Weekly Bank Overview (3.20—3.27)

Financial Network × Enterprise Warning App

◆ Voice of Regulation

The Financial Regulatory Administration is seeking public opinion on the “Management Measures for Financial Consumer Complaint Handling by Banking and Insurance Institutions (Revised Draft for Comments)”

In order to protect the legitimate rights and interests of financial consumers, standardize the handling of consumer complaints by banking and insurance institutions, and promote diversified resolution of financial consumer disputes, the Financial Regulatory Administration has revised the “Management Measures for Consumer Complaint Handling in the Banking and Insurance Sectors” to form the “Management Measures for Financial Consumer Complaint Handling by Banking and Insurance Institutions (Revised Draft for Comments),” which is now open for public opinion. The full text of the “Measures” includes six chapters: General Principles, System Mechanism, Consumer Complaint Handling, Diversified Resolution of Consumer Disputes, Supervision and Management, and Supplementary Provisions, totaling 52 articles. The “Measures” clearly state that the handling of financial consumer complaints should adhere to the principles of legality and compliance, diversified resolution, convenience and efficiency, and addressing both symptoms and root causes.

Draft Financial Law Seeks Public Opinion

On March 20, 2026, the Ministry of Justice, the People’s Bank of China, the Financial Regulatory Administration, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange published the “Draft Financial Law of the People’s Republic of China” on their official website, seeking public opinion. The draft consists of 11 chapters and 95 articles, comprehensively summarizing and absorbing the achievements and experiences of China’s financial legal construction since the 18th National Congress of the Communist Party, focusing on the new tasks and requirements faced in the new era and new journey, transforming the Party Central Committee’s decisions, theoretical innovations, and reform outcomes from financial management practices into legal norms to be jointly observed by the entire industry and society, providing a solid legal guarantee for accelerating the construction of a financial powerhouse.

◆ Industry Attention

Multiple Banks Issue Precious Metal Market Risk Alerts

Recently, several banks, including Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, and China Merchants Bank, issued announcements regarding precious metal market risk alerts, stating that current precious metal prices are highly volatile and market uncertainty has significantly increased, advising customers to enhance their risk awareness and invest rationally based on their financial situation and risk tolerance, while managing their positions appropriately.

◆ Corporate Dynamics

Postal Savings Bank: China Post Investment Approved to Commence Operations

Postal Savings Bank announced that it recently received approval from the National Financial Regulatory Administration, allowing China Post Financial Asset Investment Co., Ltd. to commence operations, with a registered capital of 10 billion yuan and registered in Beijing. China Post Investment will focus on serving the real economy, conducting pilot projects for market-oriented debt-to-equity swaps and equity investments, supporting technological innovation and the development of private enterprises, aiding the development of new productive forces, and promoting the high-quality development of the bank.

Rumored Application for Revocation of Private Banking License; Bank of Communications: Implementing Retail Sector System and Mechanism Reform; Existing Business Unaffected

Recently, there have been reports that Bank of Communications intends to apply for the revocation of its private banking specialized license. Public information shows that the private banking department was approved for licensing in 2012. In response, Bank of Communications stated that in order to strengthen its wealth financial characteristics and enhance customer service capabilities, it is implementing reforms in the retail sector system and mechanism, with related organizational adjustments being carried out in strict accordance with prescribed procedures. Existing services, rights, processes, and other aspects of the private banking business will not be affected. Bank of Communications emphasized that it will always adhere to a customer-centric approach, continuously providing higher quality and more efficient financial services. It appreciates the support and attention of customers and the public.

Xiamen International Bank Approved to Increase Capital to 17.567 Billion Yuan

The Xiamen Regulatory Bureau of the National Financial Regulatory Administration issued an approval allowing Xiamen International Bank Co., Ltd. to increase its registered capital by 520,833,333 yuan, changing from 17,046,309,526 yuan to 17,567,142,859 yuan.

Ping An Bank: 2025 Net Profit 42.633 Billion Yuan, Down 4.2% Year-on-Year

Ping An Bank announced that its total assets reached 5,925.777 billion yuan in 2025, an increase of 2.7% from the end of the previous year, achieving an operating income of 131.442 billion yuan, a year-on-year decrease of 10.4%, and a net profit of 42.633 billion yuan, a year-on-year decrease of 4.2%. The company has focused on technological finance and green finance, optimizing its asset-liability structure, strengthening risk control, with the non-performing loan ratio reduced to 1.05%.

CITIC Bank: 2025 Net Profit 70.618 Billion Yuan, Up 2.98% Year-on-Year

CITIC Bank announced that its operating income for 2025 was 212.475 billion yuan, a decrease of 0.55% year-on-year. The net profit was 70.618 billion yuan, an increase of 2.98% year-on-year. In 2025, CITIC Bank’s net profit exceeded 70 billion yuan, an increase of 3% year-on-year; the non-performing loan ratio fell to 1.15%, with the provision coverage ratio stable at over 200%; total assets crossed the 10 trillion yuan milestone.

Luzhou Bank Achieves Net Profit of 1.541 Billion Yuan in 2025, Up 20.83% Year-on-Year

On March 23, Luzhou Bank released its 2025 annual performance announcement, showing that during the reporting period, the bank achieved an operating income of 4.861 billion yuan, down 6.69% year-on-year; the net profit attributable to the bank’s shareholders was 1.541 billion yuan, an increase of 20.83% year-on-year.

Chongqing Bank’s 2025 Operating Income and Net Profit Growth Rate Exceeds 10%

On March 24, Chongqing Bank released its 2025 annual report, showing that in 2025, the bank achieved an operating income of 15.113 billion yuan, a year-on-year increase of 10.48%; it achieved a net profit of 6.105 billion yuan, a year-on-year increase of 10.58%; the net profit attributable to the bank’s shareholders was 5.654 billion yuan, a year-on-year increase of 10.49%; both operating income and net profit growth rates exceeded 10%.

Yunong Commercial Bank: 2025 Net Profit 12.128 Billion Yuan, Up 5.35% Year-on-Year

Yunong Commercial Bank announced that in 2025, it achieved operating income of 28.648 billion yuan, up 1.37% year-on-year; the net profit attributable to the bank’s shareholders was 12.128 billion yuan, up 5.35% year-on-year. The bank successfully obtained qualification for securities investment fund custody, filling a gap in this field among municipal legal person banks.

Bohai Bank Achieves Net Profit of 5.498 Billion Yuan in 2025, Up 2.42 Billion Yuan from Previous Year

On March 26, Bohai Bank released its 2025 annual performance announcement, showing that in 2025, the bank achieved an operating income of 25.970 billion yuan, an increase of 488 million yuan from the previous year, a growth rate of 1.92%; it achieved a net profit of 5.498 billion yuan, an increase of 242 million yuan from the previous year, a growth rate of 4.61%; the cost-to-income ratio was 38.01%, down 1.00 percentage points from the previous year.

Qingdao Bank Achieves Net Profit of 5.188 Billion Yuan in 2025, Up 21.66% from Previous Year

On March 26, Qingdao Bank released its 2025 annual report, showing that as of the end of the reporting period, the bank’s total assets exceeded 810 billion yuan, reaching 814.960 billion yuan; total customer deposits surpassed 500 billion yuan, reaching 502.899 billion yuan, and total customer loans approached 400 billion yuan, reaching 397.008 billion yuan. In terms of profitability, during the reporting period, Qingdao Bank achieved an operating income of 14.573 billion yuan, an increase of 1.075 billion yuan from the previous year, a growth rate of 7.97%; it achieved a net profit attributable to the parent company’s shareholders of 5.188 billion yuan, an increase of 21.66% from the previous year.

Huishang Bank Achieves Net Profit of 16.926 Billion Yuan in 2025, Non-Performing Loan Ratio Reduced to 0.98%

On March 26, Huishang Bank released its 2025 annual performance announcement, showing that as of the end of the reporting period, the bank’s total assets were 23,260.85 billion yuan, an increase of 3,123.32 billion yuan from the end of the previous year, a growth rate of 15.51%. Among them, the total amount of customer loans and advances was 11,304.92 billion yuan, an increase of 1,283.26 billion yuan from the end of the previous year, a growth rate of 12.80%. The total liabilities were 21,535.88 billion yuan, an increase of 3,015.02 billion yuan from the end of the previous year, a growth rate of 16.28%. During the reporting period, Huishang Bank achieved an operating income of 37.670 billion yuan, an increase of 438 million yuan from the same period last year, a growth rate of 1.18%; the net profit was 16.926 billion yuan, an increase of 1.009 billion yuan from the same period last year, a growth rate of 6.34%.

Shanghai Bank: 2025 Achieves Operating Income of 54.761 Billion Yuan, Up 3.35% Year-on-Year

Shanghai Bank announced that it achieved an operating income of 54.761 billion yuan in 2025, an increase of 3.35% year-on-year; the net profit attributable to the parent company’s shareholders was 24.193 billion yuan, up 2.69% year-on-year. As of the end of the year, total assets reached 3,308.752 billion yuan, an increase of 2.54% from the end of the previous year, with a non-performing loan ratio maintained at 1.18%. The company continues to promote strategic transformation, enhancing its ability to serve the real economy.

◆ Financial Personnel

Ping An Bank: The 13th Board of Directors’ Third Meeting Approved the Appointment of Wu Leiming as Vice President

Ping An Bank announced that the 13th Board of Directors’ third meeting was held on March 20, 2026, and approved several proposals, including the “2025 Annual Report” and “2025 Annual Profit Distribution Plan.” Among them, it is proposed to distribute a cash dividend of 5.96 yuan (including tax) for every 10 shares, totaling 11.566 billion yuan; the meeting also agreed to appoint Wu Leiming as Vice President, subject to approval by the National Financial Regulatory Administration. In addition, the meeting reviewed multiple reports on financial budgets, risk management, and more.

(Edited by: Wang Xinyu)

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