CITIC Bank's Total Assets Break Through the 1 Trillion Yuan Mark for the First Time

Our reporter Yang Jie

The first 2025 annual report from A-share listed banks has been released. On the evening of March 20, CITIC Bank Co., Ltd. (hereinafter referred to as “CITIC Bank”) was the first to disclose its 2025 performance report.

The report shows that in 2025, CITIC Bank adhered to the four main operating themes of “stabilizing interest margins, maintaining quality, expanding fee income, and growing customer base,” actively implementing cost reduction management requirements, and overall business continued a balanced, steady, and sustainable high-quality development trend.

Specifically, during the reporting period, CITIC Bank achieved a net profit attributable to the bank’s shareholders of 70.618 billion yuan, an increase of 2.98% compared to 2024; operating income was 212.475 billion yuan, a decrease of 0.55% from 2024; among which, net interest income was 144.469 billion yuan, down 1.51% from 2024, and non-interest net income was 68.006 billion yuan, up 1.55% from 2024.

In terms of asset quality, as of the end of the reporting period, CITIC Bank’s non-performing loan balance reached 67.216 billion yuan, an increase of 7.31 billion yuan or 1.10% from the end of 2024; the NPL ratio was 1.15%, a decrease of 0.01 percentage points from the end of 2024; the provision coverage ratio was 203.61%, down 5.82 percentage points from the end of 2024.

As of the end of the reporting period, CITIC Bank’s total assets exceeded 10 trillion yuan for the first time, reaching 10.13 trillion yuan, an increase of 6.28% from the end of 2024; total loans and advances amounted to 5.86 trillion yuan, up 2.48%; total customer deposits reached 6.05 trillion yuan, an increase of 4.69%. During the reporting period, CITIC Bank fully intensified targeted support for the real economy, with growth rates in key areas significantly outperforming overall loan growth.

In 2025, CITIC Bank will prioritize the “Five Major Articles” of financial development. Specifically, supporting technological self-reliance through financial technology, building a full lifecycle service system, and helping CITIC Group achieve comprehensive coverage of national-level specialized and innovative enterprises and manufacturing champions; deepening green finance to foster low-carbon development, establishing a green financial service ecosystem covering the entire industry chain, with green loans surpassing 750 billion yuan; focusing on inclusive finance to support people’s livelihoods, integrating deeply into mechanisms supporting small and micro enterprise financing, with inclusive micro-loans exceeding 640 billion yuan; consolidating leadership in pension finance by upgrading the “Happiness+” financial service system, and doubling pension industry loan issuance; accelerating digital financial capacity, with strong progress in “AI+” and “data elements,” and digital applications like “Xiao Xin” wealth advisory flourishing.

Notably, in terms of investor returns, CITIC Bank plans to increase cash dividends in 2025 to 21.2 billion yuan, accounting for 31.75% of net profit attributable to common shareholders, both the highest in history.

On the same evening, CITIC Bank announced its 2025 profit distribution plan. The announcement states that CITIC Bank intends to distribute a cash dividend of 1.93 yuan (including tax) for every 10 shares to all common shareholders. Based on the total share capital of 55.645 billion shares of A-shares and H-shares as of December 31, 2025, the total cash dividend for common shares will be 10.74 billion yuan. Including the interim cash dividend of 10.461 billion yuan (distributed at 1.88 yuan per 10 shares), the total cash dividends for the year will amount to 21.201 billion yuan (distributed at 3.81 yuan per 10 shares), accounting for 31.75% of the net profit attributable to the bank’s common shareholders after consolidation, and 30.02% of the net profit attributable to the bank’s shareholders after consolidation.