---
title: "In \"Major Banks,\" China International Capital Corporation (CICC) expects that the operating income and net profit of silver stocks will increase year-on-year next year, with net interest margin pressure further narrowing"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/269805594.md"
description: "CICC's research report predicts that the operating revenue and net profit of domestic bank stocks will increase year-on-year next year, with net interest margin pressure further narrowing. It is expected that operating revenue will increase by 2.5% and 3.6% year-on-year in 2026 and 2027, respectively, while net profit attributable to shareholders will increase by 1.9% and 2.6% year-on-year. Credit issuance will focus on quality over quantity, and the growth rate of fee income is expected to stabilize and rebound. The supply-side reform of the industry is accelerating, the number of bank licenses is decreasing, and the competition and operational landscape of the industry are improving"
datetime: "2025-12-16T03:34:14.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/269805594.md)
  - [en](https://longbridge.com/en/news/269805594.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/269805594.md)
---

# In "Major Banks," China International Capital Corporation (CICC) expects that the operating income and net profit of silver stocks will increase year-on-year next year, with net interest margin pressure further narrowing

CICC's research report indicates that it continues to be optimistic about the absolute and relative return performance of domestic bank stocks. It expects that the listed banks covered will see operating income increase by 2.5% and 3.6% year-on-year in 2026 and 2027, respectively, and net profit attributable to shareholders increase by 1.9% and 2.6% year-on-year. This is due to further narrowing of net interest margin pressure, with a reduction in credit issuance and an emphasis on quality, primarily stemming from weak credit demand and insufficient risk compensation, with more pronounced characteristics in the regions and industries of credit issuance.

Additionally, after several years of fee reductions and the digestion of high base pressure, the growth rate of fee income is expected to stabilize and rebound. Although the exposure related to small and micro enterprises and retail customers remains a major source of non-performing loans, the company's business exposure remains stable, and the trend of net non-performing loan generation has even improved. The bank also expects that the supply-side reform in the industry will accelerate, with a rapid decrease in the number of bank licenses, leading to improved industry competition and operational landscape

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