In 2025, Bank of Communications' net profit increased by 2.18%, and the retail sector restructuring was launched.

【Caixin】 Bank of Communications (601328.SH/03328.HK) accelerated its revenue and net profit growth in 2025, while the growth rate of net interest income declined, and net commission income turned from a decline in 2024 to a year-on-year increase.

On March 27, 2026, Bank of Communications released its 2025 annual report, showing that during the reporting period, it achieved operating income of 265.1 billion yuan, a year-on-year increase of 2.02%; the net profit attributable to shareholders was 95.6 billion yuan, a year-on-year increase of 2.18%. As of the end of 2025, total assets amounted to 15.5 trillion yuan, an increase of 4.35% compared to the end of the previous year.

As interest-earning assets continue to grow, net interest income, which is the main part of its revenue, was 173.1 billion yuan, a year-on-year increase of 1.91%, but the growth rate declined compared to 2024. This was mainly due to a year-on-year decrease of 7 basis points (BP) in net interest margin to 1.2%, leading to an overall year-on-year decline of 7.14% in total interest income. Among them, affected by the decrease in the Loan Prime Rate (LPR), weak demand and fierce competition in the industry, the customer loan yield decreased by 58 BP year-on-year; due to the overall decline in market interest rates, the yield on securities investments decreased by 25 BP.