连续4年，实现双位数股票投资收益率！中国银行，重磅发布！

Core Viewpoint - China Bank has demonstrated a stable and progressive performance in the past year, achieving a balance of growth and quality in a low-interest-rate environment [1] Financial Performance - In 2025, China Bank reported total operating income of 659.9 billion yuan, a year-on-year increase of 4.28%, leading among the four major banks [2] - The bank achieved a net profit after tax of 257.9 billion yuan, with shareholder profit reaching 243 billion yuan, reflecting growth rates of 2.06% and 2.18% respectively [2] - The average return on total assets (ROA) and return on equity (ROE) remained within a reasonable range, with a dividend payout ratio maintained at a high level of 30% [2] - The total assets of China Bank reached 38.36 trillion yuan, growing by 9.4% compared to the previous year [4] Revenue and Profitability - Non-interest income reached 219.2 billion yuan, growing by 19.21% year-on-year and accounting for 33.21% of total operating income, an increase of 4.16 percentage points [5][6] - The net interest margin (NIM) was stable at 1.26%, providing crucial support for revenue growth [8] - The bank's non-performing loan ratio was 1.23%, a decrease of 0.02 percentage points year-on-year, indicating improved asset quality [5] Globalization and International Business - China Bank's overseas assets exceeded 1.27 trillion USD, with a growth rate of 10.18%, marking a four-year high [10] - The bank served approximately 28,000 Chinese enterprises "going global" and over 330,000 foreign enterprises in China, with a service coverage rate exceeding 90% for Fortune 500 foreign companies [11] - The bank has established itself as a leading player in cross-border financial services, handling about 25% of cross-border settlements [12] Technological Financial Services - By the end of 2025, the balance of technology loans surpassed 4.8 trillion yuan, representing over 30% of corporate loans, positioning the bank as a leader in the industry [15] - The bank has developed a comprehensive service system for technology enterprises, with a stable non-performing loan rate in the technology loan segment [16] Strategic Outlook - For 2026, China Bank aims to enhance its support for new productive forces, maintain high levels of overseas profit contributions, and effectively manage risks while promoting stable profit growth [17]