Comprehensive Financial Services

In 2025, the comprehensive financial services segment achieved revenue of RMB290.880 billion and profit attributable to ordinary shareholders of RMB55.815 billion, up by 6.2% and 6.0% year on year, respectively. Affected by the industry-wide narrowing of interest margin, CITIC Bank reported a decrease in net interest income by 1.5% year on year, but this was strongly offset by a 5.6% year-on-year increase in net fee and commission income. For the full year, the bank recorded revenue of RMB212.475 billion, a slight decrease of 0.55% year on year. With continuous efforts in promoting cost reduction and efficiency enhancement, the costto- income ratio fell for the first time in five years, decreasing by 0.88 percentage points year on year, and the credit cost ratio decreased by 0.06 percentage points. It achieved profit attributable to shareholders of the bank of RMB70.618 billion, up by 3.0% year on year. As at 31 December 2025, its asset scale exceeded RMB10 trillion, asset quality remained stable, and the non-performing loan ratio decreased by 0.01 percentage points to 1.15%. CITIC Securities seized market opportunities, with significant year-on-year revenue growth in brokerage, investment banking, asset management and proprietary trading businesses. For the full year, it achieved revenue of RMB74.854 billion¹, up by 28.8% year on year, and profit attributable to shareholders of the parent company of RMB30.076 billion, up by 38.6% year on year, hitting a record high. CITIC Trust achieved RMB3.8 trillion in trust assets, with 34.4% growth year on year in newly signed revenue. Its proprietary business achieved revenue of RMB3.947 billion, hitting a record high. For the full year, it achieved revenue of RMB6.326 billion and profit attributable to shareholders of the parent company of RMB3.052 billion, up 17.6% and 15.0% year on year respectively. CITIC-Prudential Life² focused on enriching its product system to meet customers’ needs such as pension and health, achieving gross premium income of RMB33.662 billion, up 12.3% year on year. It seized the favourable opportunities in the capital market, affected by the year-on-year investment performance, and realised profit attributable to shareholders of the parent company of RMB4.952 billion, up 5,169.6% year on year.