CBHB(09668) opens a new chapter in the first quarter: total assets exceed 2 trillion for the first time, risk control upgrades to safeguard high-quality development.

In 2026, it is the year when the "15th Five-Year Plan" begins, and also the key year for China Bohai Bank (CBHB) to deepen the "9531" strategy and promote transformation and development. In the first quarter, the total assets of the bank exceeded 2 trillion, reaching 2.04 trillion yuan, an increase of 5.7% from the beginning of the year; net profit was 3.413 billion yuan, an increase of 9.79% year-on-year. Behind the steady leap in asset size is the continuous strengthening of profitability resilience, the precise empowerment of financial technology to the real economy, and the solid foundation of risk control - these three factors progress step by step, outlining the inherent logic of high-quality development. Scale benefits and profitability resilience enhancement In the first quarter, CBHB achieved operating income of 8.13 billion yuan, a year-on-year increase of 3%; net profit of 3.413 billion yuan, a year-on-year increase of 9.79%. Among them, net interest income was 4.348 billion yuan, a year-on-year increase of 4.69%. The cost-to-income ratio decreased to 27.38%, optimizing by 0.59 percentage points from the same period last year, demonstrating further effectiveness in fine management. Cost control on the liability side also provided support for profit growth. With the bank's average deposit interest rate declining by 41 basis points last year, the interest payment rate continued to decline in the first quarter of this year, effectively driving the growth of net interest income. The simultaneous increase in asset size and profitability capability continues the bank's steady development trend since last year. Market analysts believe that CBHB has maintained good cost control and risk balance while expanding its scale, laying a solid foundation for providing continuous good services to the real economy. Accurate credit deployment accelerates transformation momentum In terms of asset deployment, CBHB continues to concentrate credit resources on national strategic key areas. As of the end of the first quarter, the bank's manufacturing industry loan balance was 119.447 billion yuan, an increase of 8% from the beginning of the year; the technology enterprise loan balance was 145.874 billion yuan, an increase of 8.62% from the beginning of the year. Both of these loan growth rates were higher than the average loan growth rate of the bank, with funds mainly flowing into key areas of the real economy such as advanced manufacturing and technology innovation. In technology finance, CBHB focuses on the full life cycle needs of technology innovation companies, nurturing funds, tracks, listed companies, and regional "four major ecosystems." Deepening the fund ecosystem, establishing a linkage channel for "capital + industry + finance"; anchoring five core tracks such as artificial intelligence, advanced manufacturing, and new energy, prospectively laying out frontiers such as aerospace technology and quantum technology; improving the full chain service of listed companies, driving the coordinated development of the industrial chain; focusing on the Beijing-Tianjin-Hebei region, deeply cultivating the Yangtze River Delta, and the Guangdong-Hong Kong-Macao Greater Bay Area and other science and technology innovation highlands, building a regional service model. It is this pattern of "core governance, multi-point support" that supports the leading pace of technology loan growth across the bank. In the field of transaction banking, the bank has transformed "co-producing with production" into systematic practice. At the just-ended Global Financial Summit, Xu Jie, general manager of the bank's transaction banking department, was invited to deliver a keynote speech, becoming the first Chinese guest speaker at the summit. He mentioned that focusing on the strategy of opening up and digital trade, CBHB has built an integrated onshore, NRA, FT, and Hong Kong branch account "Four-in-One" cross-border service system. At the same time, supply chain finance is regarded as the core engine of strategic transformation, creating the "Bohai Bank E-chain" brand, focusing on new industries such as new energy, automobiles, and electronic information, and embarking on a chain-type deep cultivation path. In 2025, CBHB's supply chain business exceeded 300 billion yuan, an increase of nearly 30% year-on-year, winning multiple honors such as the "Best Supply Chain Financial Innovation Bank Award." The strong development of transaction banking not only broadens low-cost sources of liabilities but also accurately delivers financial liquidity to the upstream and downstream of the industrial chain through "Bohai Bank E-chain." Building a robust risk control and compliance "life line" for escorting high-quality growth The breakthrough in asset size and accurate credit deployment cannot be achieved without solid risk control and compliance guarantees. In recent years, CBHB has solidly promoted the implementation of the "9531" strategy, comprehensively reconstructed the three lines of defense for risk control, achieved credit concentration, loan platform, and digital early warning, unified risk preferences, strengthened credit approval, and ensured the rigid execution of risk policies from the source. CBHB regards data governance as the lifeline of intelligent risk control, establishes data asset catalogs and data standards covering all business lines, and enhances data availability, trustworthiness, and consistency; strengthens data security and compliant applications, promotes the transformation of risk control from "experience reliance" to "intelligent decision-making." Promoting the organic connection between risk models and business strategies, ensuring that model outcomes accurately reflect risk preferences and customer standards; deeply integrating risk models with risk control policies and approval processes, ensuring that model decisions resonate with business development. Establishing a normalized risk model re-evaluation and feedback mechanism, forming a closed-loop management covering the entire life cycle of model development, validation, deployment, monitoring, and iteration, continuously tracking model performance, combining economic changes and business feedback, driving continuous optimization of models, ensuring that the intelligent risk control system maintains foresight and adaptability. In 2025, the bank's independently developed "Intelligent Risk Control Report Project," which first accessed AI big models, was selected by the State-owned Assets Supervision and Administration Commission of the State Council as a case study in the "National State-owned Enterprise Smart Decision-making Practices Application Collection (2025)," receiving national-level recognition. At the same time, the bank has been working to build a risk management structure that is "concentrated, vertical, independent, and balanced," implementing grid management and institutionalizing the responsibility system of "each person in charge of their own duties." Adhering to the ironclad rules of "common sense, logic, trend, system, process, compliance" in business operation, managing people, guarding defenses, and holding the bottom line, ensuring that risk control decisions can withstand principled scrutiny. Establishing a clear accountability mechanism, making the consciousness of "walking on thin ice" in risk control and the professionalism of "doing good deeds" become the employees' spontaneous behavior guidelines. CBHB stated that it will continue to focus on the core requirements of the financial "five major tasks," continuously promote the development strategy of "9531," deepen reforms, and transform through practical actions. By strengthening the foundation of risk control and compliance, providing a solid guarantee for the steady and far-reaching development of the entire bank, and making greater contributions to the high-quality development of the economy and society.