CITIC Bank Chairman Fang Heying: Building a Resilient Buffer Against Narrow Interest Margins by Reducing Funding Costs

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On March 23, CITIC BANK held its 2025 performance briefing. Chairman Fang Heying stated that the bank is focusing on balanced management of the volume and cost of liabilities to create a substantial buffer capable of withstanding the impact of narrowing interest margins. A deeper analysis reveals that CITIC BANK maintains a relatively sound deposit structure, with corporate demand deposits accounting for 46% of the total, ranking among the top two joint-stock banks. Since the implementation of stricter self-regulation on deposits, the quality of "true demand deposits" has improved significantly. Retail demand deposits make up 27% of the total, with their share increasing by 3.2 percentage points over the past two years.

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Chairman Fang Heying stated that the bank is focusing on balanced management of the volume and cost of liabilities to create a substantial buffer capable of withstanding the impact of narrowing interest margins. A deeper analysis reveals that CITIC BANK maintains a relatively sound deposit structure, with corporate demand deposits accounting for 46% of the total, ranking among the top two joint-stock banks. Since the implementation of stricter self-regulation on deposits, the quality of \"true demand deposits\" has improved significantly. Retail demand deposits make up 27% of the total, with their share increasing by 3.2 percentage points over the past two years.</p>\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU1497733631.SGD","symbol_name":"Eastspring Investments - Asian Low Volatility Equity Fund ASDM SGD","start_time":0,"source_url":"","article_id":"1110657582","we_media_id":"1039043262","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=1110657582","pubTimestamp":1774237860,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Deep News","introduction":"Global Stock Market Deep Analysis","home_visible":1,"id":"1039043262","head_image":"https://community-static.tradeup.com/news/8296859682db4b478146245e72de1922"},"summary":"On March 23, CITIC BANK held its 2025 performance briefing. 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