中国银行副行长：今年境内人民币贷款增速将跑赢大市，稳步拓展个人房贷和非房消费贷款业务

Core Insights - In 2025, Bank of China completed a core Tier 1 capital replenishment of 165 billion yuan, enhancing its capital strength to better serve the real economy [1] - By the end of 2025, the group's loan balance reached 23.5 trillion yuan, an increase of 1.9 trillion yuan, representing an 8.6% growth [1] - The group's bond investment balance reached 9.3 trillion yuan, growing by 1.3 trillion yuan, which is a 15.7% increase [1] Group Loan Growth Strategy - The bank aims to maintain stable and balanced growth in total loans, with domestic RMB loan growth expected to outperform the market [1] - The overseas commercial loan segment will continue to grow steadily, with a faster increase in overseas RMB loans [1] - In the first two months of the year, the bank's RMB loan balance showed a positive growth trend, laying a solid foundation for achieving the annual loan target [1] Credit Structure Optimization - The bank will continue to optimize its credit structure and focus on supporting domestic demand and consumption [2] - It will support effective investment and prepare for major national strategic projects during the 14th Five-Year Plan period, seizing opportunities in new policy financing tools [2] - The bank plans to steadily expand personal housing loans and non-housing consumer loans, promoting product, customer, and scenario collaboration to build a complete consumption ecosystem [1] Globalization Strategy - The bank emphasizes its global strategy, enhancing services for enterprises going abroad and closely tracking active sectors of foreign investment [2] - It will focus on industries such as intelligent manufacturing, new energy, new materials, and biomedicine [2] - The bank aims to provide comprehensive financial services for foreign-funded enterprises and local leading companies, promoting the use of RMB financing solutions [2] Fiscal and Financial Coordination - The bank will implement detailed interest subsidy work and effectively utilize structural monetary policy tools [2] - It aims to support credit investments in areas such as technological innovation, carbon reduction, consumer services, and elderly care, benefiting more enterprises and projects [2]