Bank of Communications' net profit attributable to the parent in 2025 is 95.622 billion yuan, with total assets surpassing 15.5 trillion yuan.

(Source: Beijing Business Daily)

Beijing Business Daily News (Reporter Song Yitong) On March 27, Bank of Communications released its 2025 annual performance. By the end of 2025, the group’s total assets exceeded 15.5 trillion yuan, up 4.35% year over year end; net profit attributable to shareholders of the parent company for the full year was 956.22 billion yuan, up 2.18%; operating revenue was 2650.71 billion yuan, up 2.02%; asset quality remained steady and improved, with the non-performing loan ratio at 1.28%, down 0.03 percentage points from the end of the previous year, and the provision coverage ratio rising to 208.38%, indicating sufficient risk-coverage capability.

By the end of 2025, the bank’s domestic Renminbi loans outstanding were 8.87 trillion yuan, up 7.88% from the end of the previous year. To support expanding effective investment, the loan growth rates for manufacturing and private-sector enterprises were both higher than the average growth rate of total loans. By effectively delivering major national regional development strategies through efficient financial supply, the bank’s credit growth in the three key regions of Beijing-Tianjin-Hebei, the Yangtze River Delta, and the Guangdong-Hong Kong-Macao Greater Bay Area rose by 6.59% from the end of the previous year, accounting for about 54%.

During the reporting period, Bank of Communications deepened the application of business scenarios, increasing the enablement of “digital employees” in areas including operational customer service, risk credit granting, and office research and development. It iterated and upgraded its mobile app services by adding localized services and preferential benefits in daily-life scenarios, creating a convenient experience of “financial transactions + lifestyle services.” By the end of 2025, the monthly active customer counts of its personal mobile banking and its Buy Now app were 57.41 million users and 26.64 million users, respectively; the volume of its “Cloud Bank of Communications” remote video service business reached 3.78 million transactions. By safeguarding resource investment in the technology field, in 2025 the financial technology investment as a proportion of total operating revenue exceeded 5%, and the share of financial technology personnel increased.

In terms of wealth and retail finance, it continued to develop the “Worde Select” brand. The “Worde Select” funds and wealth management product yield rates outperformed the market’s average level. By the end of 2025, retail AUM was nearly 6 trillion yuan, up 8.91% from the end of the previous year; the balance of privately distributed individual public fund products sold by the bank was 230 billion yuan; and the balance of individual wealth management products sold was 1,022.5 billion yuan.

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