和讯·2025-12-08 10:25Core Viewpoint - CITIC Bank has been awarded the "China Annual Bank" title by The Banker magazine, marking its second win since 2017, reflecting its significant brand influence and recognition in the banking industry [1][2]. Brand Value and Transformation - CITIC Bank's brand value has increased by 27.2% year-on-year, reaching $16.953 billion, leading among mainland Chinese banks [2]. - The bank has redefined its brand philosophy to "Let Wealth Have Temperature," focusing on trust, social responsibility, and emotional connection in financial services [2][4]. Strategic Brand Development - The shift in the evaluation system for state-owned enterprises emphasizes brand building as a strategic asset, integrating it into core assessment dimensions [3]. - CITIC Bank's approach to brand management is a systematic project that translates its mission of "finance for the people" into tangible market influence [4]. Support for Economic Development - The bank has directed financial resources towards strategic emerging industries and green low-carbon sectors, with loans to strategic emerging industries exceeding 450 billion yuan and green credit nearing 320 billion yuan [6]. - CITIC Bank's comprehensive financial ecosystem supports technological upgrades and self-sufficiency for enterprises, embodying the principle of serving the real economy [6]. Financial Performance - For the first three quarters of 2025, CITIC Bank reported operating income of 156.598 billion yuan and net profit of 53.391 billion yuan, maintaining stable profitability [7]. - The bank's total assets reached 9,898.128 billion yuan, with a non-performing loan ratio of 1.16%, indicating robust asset quality [7]. Wealth Management and Social Responsibility - CITIC Bank's retail asset management balance reached 4.99 trillion yuan, with retail financial products growing by 4.11% year-on-year [8]. - The bank has launched charitable financial products, raising 2.879 billion yuan for children's education and healthcare projects, demonstrating its commitment to social responsibility [8]. Customer-Centric Approach - The bank's "Let Wealth Have Temperature" philosophy is integrated into every aspect of customer service, addressing the needs of an aging population with comprehensive retirement solutions [9][10]. - CITIC Bank aims to enhance financial accessibility and satisfaction for the public, aligning with national strategies to boost consumption and domestic demand [10]. Brand Experience and Engagement - The bank engages younger consumers through innovative initiatives, such as photography contests and sponsorships, creating a connection between finance and lifestyle [12][14]. - CITIC Bank's brand evolution reflects a shift from product-based competition to a holistic experience driven by values of trust, emotion, and social responsibility [14][16].