On March 30, at the 2025 results briefing held by Bank of China, Vice President Yang Jun addressed trends in deposit growth. He noted that the M2 money supply has maintained steady growth in recent years, with an average annual increase of 8.5% over the past three years, and this trend is expected to continue this year. Yang reported that the bank's customer deposits have shown stable and positive growth, with domestic RMB deposits increasing year-on-year in 2025.

Regarding market concerns about maturing time deposits, Yang pointed out that since the second half of 2025, the volume of time deposits reaching maturity at Bank of China has risen. The bank has actively worked to retain these deposits, and in practice, the majority have remained in deposit forms, with a high rollover rate for time deposits. This pattern is expected to persist for time deposits maturing this year.

Yang also mentioned that, as current deposit interest rates are lower than those from three years ago, the repricing of these deposits will help reduce the bank's deposit cost ratio. This is expected to positively impact the stabilization of the bank's net interest margin. Structurally, he anticipates that funds across the economy will continue to flow toward individuals and non-bank financial institutions.

Additionally, Yang observed that as fiscal and financial policies aimed at boosting domestic demand take effect, economic conditions continue to improve, and corporate liquidity strengthens, growth in corporate deposits is expected to pick up. This will provide a solid foundation for the bank to support the real economy.