At the 2026 interim results conference held today, CCB Deputy President Han Jing outlined the bank's credit operations for the first half of the year, characterizing the direction and volume of lending as broadly demonstrating a pattern of "one stability and two optimizations."
By the end of June, total loans reached 29.34 trillion yuan, an increase of 1.57 trillion yuan from the start of the year, representing a growth rate of 5.6%. The corporate and retail lending mix remained at a desirable level, with the contribution from corporate loans further increasing.
Addressing the trend of rising real financing proportions, Han Jing noted this reflects the nation's economic structural adjustment, development model transformation, and shift in growth drivers. It also signifies the deepening results of the financial sector's supply-side structural reforms.
Looking ahead, Han stated that CCB will adapt to the evolving structural changes in social financing. In response to the increasingly comprehensive, globalized, and intelligent service demands of various market entities, the bank will leverage credit business as a driver. This includes strengthening an integrated service framework that combines commercial and investment banking, local and foreign currency operations, corporate functions, and group-wide coordination.
The bank aims to enhance its capacity to provide diversified financing channels covering equity, debt, loans, insurance, and leasing. The goal is to establish a distinctive comprehensive financial service model for CCB that aligns with modern industrial system development and evolving financial market trends.
Han Jing further emphasized that CCB will remain focused on its core responsibilities, directing efforts toward a package of incremental policies to sustain steady and robust credit growth. Concurrently, following the operational principles of credit business, the bank will pursue a balanced approach to volume, pricing, risk, cost, and efficiency. While safeguarding against risks, the institution is committed to enhancing the quality of services to the real economy and advancing its own high-quality development.
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