CEB BANK (06818) announced its 2025 annual results, with the group achieving operating revenue of 1.2646 trillion yuan, a decrease of 6.74% year-on-year. Net profit attributable to shareholders was 38.826 billion yuan, down 6.88% compared to the previous year. Basic earnings per share stood at 0.58 yuan, with a proposed final dividend of 0.7 yuan per 10 shares.
The bank has firmly established a philosophy of high-quality development, adhering to a balanced strategy of volume and pricing while continuously driving effective improvement and reasonable growth in deposit and loan businesses. In lending, it utilized joint consultation mechanisms to align business and risk management, leveraged key products, and effectively served critical sectors and vulnerable areas of the real economy. For deposits, the bank emphasized stabilizing volume while enhancing quality through targeted measures and refined management, promoting steady growth, structural optimization, and cost improvement.
At the end of the reporting period, corporate deposit balances (including the corporate portion of margin deposits) totaled 2.660274 trillion yuan, a decrease of 7.866 billion yuan from the beginning of the year, down 0.29%. Corporate loan balances (excluding discounts) reached 2.429212 trillion yuan, an increase of 131.653 billion yuan from the start of the year, up 5.73%.
The bank built its "Sunshine Investment Banking" brand around bond underwriting, intermediary matching, and merger financing, strengthening comprehensive financial services for diverse clients. During the reporting period, it underwrote 412.784 billion yuan of non-financial corporate debt financing instruments, non-policy financial bonds, and credit asset-backed securities in the interbank bond market. It continued to leverage innovative financing products such as technology innovation bonds and green bonds to support national strategies including technological advancement, green development, and rural revitalization.
The bank further promoted merger financing for strategic emerging industries like technology firms, covering key areas such as advanced manufacturing and consumer sectors, aiding high-quality development of the real economy. It actively supported share buybacks and repurchase loan businesses to help optimize equity structures and stabilize market expectations. During the period, it extended 27.469 billion yuan in merger loans domestically and internationally and issued eight credit asset securitization projects totaling 21.601 billion yuan in assets.
Driven by digital and online transformation, the bank advanced product innovation, process reengineering, and risk control upgrades, achieving significant results in serving the real economy and supporting small and micro enterprises. It developed an online product system featuring three automated approval categories—credit-based, mortgage-based, and guarantee-based—and optimized financing services like "Specialized, Refined, Distinctive, and Innovative Enterprise Loans" and "Technology E-Loans" for tech innovation firms.
Implementing coordination mechanisms for small and micro financing, the bank increased support for foreign trade enterprises through extensive outreach initiatives and diligently connected with companies on recommendation lists. It enhanced customer operations using innovative "marketing funnel" models and tools like intelligent outbound calls to boost potential client conversion. By incorporating multi-dimensional data sources and strengthening risk management across business processes, the bank maintained stable asset quality.
At the end of the reporting period, inclusive loan balances reached 462.807 billion yuan, an increase of 26.988 billion yuan from the beginning of the year, up 6.20%. The number of inclusive customers was 495,300, rising by 59,600 from the start of the year. The weighted average interest rate for newly issued loans was 3.19%, down 28 basis points from the beginning of the year.
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