CITIC Bank held its 2026 third-quarter earnings briefing today, according to a financial news report from November 3.
The head of the finance and accounting department stated that in recent years, despite a severe and complex market environment, CITIC BANK has maintained an ROE among the top of its comparable peers, demonstrating strong resilience.
In 2025, CITIC BANK's ROE stood at 9.39%, surpassing the average of seven joint-stock peers by 0.84 percentage points, with its ranking rising to second place among joint-stock banks.
Under the 15th Five-Year Plan, CITIC BANK has set an ambitious target for its ROE performance over the next five years. In line with the bank's overall strategic planning, it will strive to enhance ROE through three main areas.
First, it will comprehensively deepen integrated customer management, continuously increase the proportion of light-capital income and the return efficiency of risk capital, unswervingly uphold a customer-centric business philosophy, and fully enhance customer management capabilities.
Second, it will optimize asset allocation, deepen structural adjustments, promote long-term improvement in risk costs, remain committed to serving the real economy, and continuously refine its product mix, customer mix, maturity structure, and regional structure.
Third, it will refine capital management to reduce capital consumption. On one hand, with value creation as the goal and RAROC as the measuring standard, it will accelerate light-asset development and improve capital efficiency. On the other hand, CITIC BANK has now successfully completed the regulatory acceptance inspection for the advanced capital measurement approach. Once subsequently implemented, this will directly bring about savings in capital occupation. CITIC BANK will take the implementation of the advanced approach as an opportunity to accelerate the advancement of its risk management system and capabilities, further improve its operational management capacity, and comprehensively enhance operational metrics.
The department head stated that with the continued improvement of the macroeconomic environment, ongoing enhancements in market conditions, and the gradual release of CITIC BANK's strategic transformation and a series of management achievements, the bank is confident in maintaining its ROE at a favorable industry level in the coming years and delivering sustained and stable value returns to shareholders.
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