Industrial Finance Loans Hit RMB2.63 Trillion as CIB Maps 21 Key Chains

At its interim results briefing held on August 28, Industrial Bank's management identified industrial finance as the strategic priority for the next five years. President Chen Xinjian said the state has placed the building of a modern industrial system and the consolidation of the real economy at the top of the strategic tasks in the 15th Five-Year Plan, providing new opportunities for the bank. CIB will take industry as the axis, serving the industrial, supply, capital, equity, and talent chains of enterprises, driving sustained growth and structural optimization of assets, liabilities, customers, and revenue, with the goal of building a first-class value bank.

On the asset side, as of end-June 2026, CIB's customer loan balance reached RMB6.16 trillion, an increase of RMB215.6 billion from the beginning of the year, up 3.62%. The increase was mainly from corporate loans, which grew 8.79% from the start of the year. Industrial finance loans stood at RMB2.63 trillion, up RMB155.2 billion from the beginning of the year, accounting for over 70% of the increase in customer loans. The bank focuses on four major modern industrial system directions: traditional industries, emerging and future industries, services, and infrastructure, and has identified 21 key industrial chains. As of end-June, financing balances for the 21 key industries reached RMB5.56 trillion, up 9.24% from the beginning of the year; loans in transportation, metal materials, and electronic information grew 25%, 19%, and 18%, respectively.

On the liability side, as of end-June, CIB's customer deposits rose to RMB6.23 trillion, up 5.03% from the beginning of the year, with the deposit interest rate down 34 basis points year-on-year. Among these, domestic and foreign currency corporate deposits stood at RMB4.3 trillion, up 5.2% from end-2025; the average interest rate on domestic RMB corporate deposits was 1.27%, down 23 basis points from the full year 2025, effectively reducing liability costs. In the first half, the bank formed a list of over 2,000 core customers and more than 240,000 target customers around key industries, adding 3,295 cooperative customers and 2,461 credit customers to its key target customer database. As of the reporting period end, total corporate customers reached 1.7239 million, an increase of 56,900 from end-2025.

In terms of revenue structure, in the first half, CIB's net non-interest income was RMB37.373 billion, up RMB670 million year-on-year; net fee and commission income was RMB14.201 billion, up 8.61% year-on-year, with the share of fee income rising to 12.89%. Investment banking business in key industrial finance sectors reached RMB474.892 billion, up 6.68% year-on-year; as of the reporting period end, related investment banking balances stood at RMB1.74 trillion, up 7.87% from end-2025. In the first half, the bank ranked second in the market for underwriting non-financial corporate debt financing instruments, second among joint-stock commercial banks for underwriting offshore bonds, first among joint-stock commercial banks for M&A financing balances, and second for syndicated loan balances. Capital market business deployment reached RMB12.788 billion, with 792 warrant business contracts signed.

Since establishing its three business cards of "green bank, wealth bank, and investment bank" in 2021, CIB added "technology finance" as a fourth card in 2025, with industrial finance serving as the link across all four. The bank has identified eight hard-tech core tracks, including new-generation artificial intelligence, integrated circuits, and space science and technology, implementing an operating model of "one track, one strategy; one industry, one template; one field, one ecosystem." As of the reporting period end, among technology finance customers, 78% were integrated with industrial finance; among technology loans, 88% were integrated with industrial finance; and among technology financing balances, 84% were integrated with industrial finance. In green finance, as of the reporting period end, green finance financing balances reached RMB2.67 trillion, up 8.23% from end-2025; green loans under the People's Bank of China definition stood at RMB1.214207 trillion, up 9.63% from end-2025.

Industrial finance business also extends to institutional, international, and retail areas. In institutional business, the bank deepened government-side ecosystem collaboration, building a "policy-technology-capital-market" ecosystem network. In international business, as of end-June, cross-border financing balances grew 16% from the beginning of the year, global treasury cooperative customers increased 4%, and cumulative cross-border payroll scale more than doubled year-on-year. In retail finance, the bank leverages public-private linkage to provide comprehensive retail financial services, including wealth management, consumer credit, and credit cards, to employees of key enterprises and industrial chains. CIB management stated that in the next stage, it will strengthen the systematic development of industrial finance, promote the construction of sub-industry maps, expand strategic customers, and enhance cross-departmental coordination.