CITIC Bank Chairman Fang Heying: Building a Resilient Buffer Against Narrow Interest Margins by Reducing Funding Costs

Deep News03-23 11:51

On March 23, CITIC BANK held its 2025 performance briefing. Chairman Fang Heying stated that the bank is focusing on balanced management of the volume and cost of liabilities to create a substantial buffer capable of withstanding the impact of narrowing interest margins. A deeper analysis reveals that CITIC BANK maintains a relatively sound deposit structure, with corporate demand deposits accounting for 46% of the total, ranking among the top two joint-stock banks. Since the implementation of stricter self-regulation on deposits, the quality of "true demand deposits" has improved significantly. Retail demand deposits make up 27% of the total, with their share increasing by 3.2 percentage points over the past two years.

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