中国银行副行长杨军：预计2026年到期定期存款转存比例较高

Core Viewpoint - China Bank anticipates an increase in the maturity scale of fixed-term deposits starting in the second half of 2025, with a high retention rate expected for these deposits [1] Group 1: Deposit Management - China Bank's Vice President Yang Jun emphasized the importance of stabilizing and retaining deposits as maturity increases, with a high proportion of fixed-term deposits expected to be renewed [1] - The current deposit interest rates are lower than those from three years ago, which will lead to a decrease in the interest rates paid on deposits, positively impacting the bank's net interest margin [1] Group 2: Financial Performance Projections - By the end of 2025, China Bank's total assets and liabilities are projected to exceed 38 trillion yuan and 35 trillion yuan, respectively, representing growth rates of 9.40% and 9.47% compared to 2024 [1] - For the year 2025, the bank expects to achieve operating income and net profit of 659.9 billion yuan and 257.9 billion yuan, reflecting year-on-year growth of 4.28% and 2.06% [1] - The non-performing loan ratio is projected to be 1.23% by the end of 2025, a decrease of 0.02 percentage points from the end of 2024 [1]