Recently, listed banks have released their 2025 performance reports intensively, outlining the flow and layout of credit funds. Finance is a mirror image of the economy, and through the flow of money, the development trajectory of China's economy is clear and distinct, with steady progress and a focus on improving quality. Adequate investment provides strong support for the real economy, and the continuous injection of financial "live water" is an important guarantee for the steady progress of the real economy. In 2025, listed banks will increase their credit lending efforts, with the six major state-owned banks of Industry, Agriculture, China, Construction, Communications, and Postal Savings totaling over 9.4 trillion yuan in new loans added that year. Abundant funding supply lays a solid foundation for development. According to the annual report, as of the end of 2025, Industrial and Commercial Bank of China has added a total of 4.8 trillion yuan in new credit and bond investments, setting a new historical high; The net amount of loans issued by Construction Bank increased by 7.53% year-on-year; Agricultural Bank of China added 2.23 trillion yuan in loans that year, leading the industry. While leading the overall volume, we pay more attention to optimizing the structure and pace of investment. Key areas such as manufacturing, strategic emerging industries, green and inclusive industries have maintained rapid growth, and the role of state-owned banks in serving the main force of the real economy has been effectively played. ”Liu Jun, the President of Industrial and Commercial Bank of China, pointed out the common trend of the current flow of bank funds - from "quantitative expansion" to "qualitative improvement", and precise drip irrigation in key areas of the real economy. Sorting out the annual reports of listed banks, many data confirm this trend: by the end of 2025, the balance of ICBC's manufacturing loans will exceed 5.2 trillion yuan, a year-on-year increase of nearly 20%; China Construction Bank's investment in strategic emerging industries saw a year-on-year increase of 23.46% in loans; Agricultural Bank of China has added more than one trillion yuan in county-level loans, and the balance of loans to farmers has increased by 22.4% year-on-year. Behind the rising data is the precise implementation of monetary policy in 2025: reducing the reserve requirement ratio by 0.5 percentage points, lowering the policy interest rate by 0.1 percentage points, and comprehensively lowering the structural monetary policy tool interest rate by 0.25 percentage points... A series of policy measures have been put into effect, guiding financial institutions to allocate credit reasonably and increasing support for major strategies, key areas, and weak links. The growth rate of the "Five Major Articles" fields is obvious, and which fields are more "attractive" can be seen from the changes in credit structure. The reporter found through reviewing the annual reports that several banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, and China Construction Bank, have seen significant growth in loans in various fields. Specifically, technology-based enterprises are receiving increasing funding support. As of the end of 2025, the balance of ICBC's technology loans has exceeded 6 trillion yuan, a year-on-year increase of nearly 20%; The balance of technology loans from China Construction Bank was 5.25 trillion yuan, a year-on-year increase of 18.91%; The year-on-year growth rate of technology-based small and medium-sized enterprise loans from Bank of Communications reached 36.29%; The coverage rate of China CITIC Bank's national level "specialized, refined, and innovative" enterprise services has reached 98.48%. More and more banks are breaking through the traditional "three tables" restrictions, innovating diversified credit enhancement methods, and providing comprehensive service models such as "stock loans and debt insurance" to provide financial support for enterprises throughout the entire chain and lifecycle. Pension finance is also a key focus of banks' efforts, and related fields of business maintain high-speed growth. As of the end of 2025, the scale of various types of pension management by ICBC is 5.9 trillion yuan, a year-on-year increase of 18.5%; The year-on-year growth rates of pension industry loans from China Construction Bank and Bank of Communications are both around 50%; China CITIC Bank's investment in elderly care industry loans has more than doubled. In addition, many banks have also performed well in the field of inclusive finance. According to the annual report, by the end of 2025, CITIC Bank's inclusive small and micro enterprise loans will account for 11% of the total bank loans; The balance of Pudong Development Bank's inclusive finance specialty product "Puhui Loan" increased by 192% compared to the end of last year. Through various means, we have concentrated our resources on the key areas of the 'Five Great Articles', resulting in a significant increase in related loans and achieving a better asset structure, healthier balance sheets, and more sustainable profit returns. ”Gu Lingyun, Vice President of China CITIC Bank, said that the facts have fully proved that steadily moving forward along this path will strengthen the foundation of development, increase the momentum, and make the advantages more obvious. In the first year of the "15th Five Year Plan", the trend of listed banks' credit investment towards "new and better" has become increasingly clear as they delve deeper into credit demand and improve the quality and efficiency of financial services. In the first two months of this year, Agricultural Bank of China's physical loans increased by 1.1 trillion yuan, a year-on-year increase, Bank of China's RMB loan balance grew well, and Industrial and Commercial Bank of China's corporate loans grew rapidly... Many pieces of information at the performance conference showed that various banks are actively seizing the opportunity to start the "15th Five Year Plan", digging deep into credit demand, and maintaining stable growth in credit supply. The annual loan increment target for this year will not be lower than last year, and the pace of investment will be balanced between moderate forward momentum and balanced sustainable growth. ”Zhou Wanfu, Vice President of Bank of Communications, said. The government work report has listed "focusing on building a strong domestic market" as the top task for this year's work. Many banks have revealed at their performance conferences that they will anchor and expand new space for domestic demand growth, combine their own advantages, and continue to increase investment in key areas. For example, ICBC will provide more suitable financial services around the construction of a modern industrial system; Agricultural Bank of China will focus on key areas and project services for rural revitalization, striving to achieve a net increase of over one trillion yuan in county-level loans and a balance of over 2 trillion yuan in rural loans this year. At the same time, multiple banks have proposed a special action to deepen consumer finance. China Construction Bank will focus on supporting the consumption of goods such as automobiles and household appliances, as well as the consumption of services such as cultural tourism and health care; Bank of China will continue to carry out the "Ten Thousand Billion Billion" action to benefit the people; Agricultural Bank of China will expand more consumer finance scenarios around traditional consumption such as automobiles and home decoration, as well as green and healthy industries. Empowering with technology to improve the quality and efficiency of financial services has become a "must answer question" for all banks. According to the information at the performance conference, China Construction Bank has empowered the entire credit approval process with AI, resulting in a double-digit increase in acceptance volume and a decrease of over 30% in average processing time; Bank of China's intelligent marketing assistant has covered all levels of customer managers, and the intelligent Q&A assistant covers all branches; China CITIC Bank is advancing the AI reshaping of its core business processes... Multiple banks are increasing their investment in technology to promote the large-scale application of artificial intelligence technology in more fields. Experts say that the coexistence and prosperity of finance and the real economy, stable and abundant capital investment, and continuously optimized credit structure are continuously enhancing the vitality and resilience of economic development. (New Society)