China Merchants Bank: Net profit attributable to shareholders of the bank in 2025 is 150.181 billion yuan, a year-on-year increase of 1.21%.

LightningPacketLoss · 2026-03-30T18:24:03+00:00

China Merchants Bank's 2025 Annual Report shows that the group's operating income was 337.532 billion yuan, a year-on-year increase of 0.01%; net profit was 150.181 billion yuan, a year-on-year increase of 1.21%. Total assets reached 13.07 trillion yuan, an increase of 7.56%; total customer deposits were 9.84 trillion yuan, an increase of 8.13%. The non-performing loan ratio was 0.94%, slightly down.

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2026-03-30 18:24:03

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On March 27, China Merchants Bank released its 2025 annual report. In 2025, the Group achieved operating income of RMB 3375.32 billion, up 0.01% year over year. Of this, net interest income was RMB 2155.93 billion, up 2.04%, while non-interest net income was RMB 1219.39 billion, down 3.38%. Net profit attributable to the bank’s shareholders was RMB 1501.81 billion, up 1.21%. The bank shareholders’ average total asset return (ROAA) and the bank’s average return on equity for ordinary shareholders (ROAE) were 1.19% and 13.44%, respectively, down 0.09 and 1.05 percentage points year over year.

As of end-2025, the Group’s total assets were RMB 13.07 trillion, up 7.56% from end-2024. Total loans and advances were RMB 7.26 trillion, up 5.37% from end-2024. Total liabilities were RMB 11.79 trillion, up 7.98% from end-2024. Total customer deposits were RMB 9.84 trillion, up 8.13% from end-2024.

Regarding asset quality, as of end-2025, the Group’s balance of non-performing loans was RMB 68.206 billion, up RMB 2.596 billion from end-2024. The non-performing loan ratio was 0.94%, down 0.01 percentage points from end-2024. The allowance coverage ratio was 391.79%, down 20.19 percentage points from end-2024. The loan loss provision ratio was 3.68%, down 0.24 percentage points from end-2024.

(China Merchants Bank)

(Editor: Qian Xiaorui)

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