<div id="readability-page-1"><div>A research report by M Stanley stated that banks in China have deployed artificial intelligence (AI) on a large scale across front-, middle- and back-office functions, and are building enterprise-level AI platforms, internal knowledge bases, digital assistants and workflow tools, indicating that AI has entered a phase of scaled implementation and become part of core banking infrastructure.The broker believes AI is helping banks enhance efficiency, reduce manual workloads and strengthen risk monitoring. This enables Chinese banks to expand services to more corporate and retail customers without increasing headcount, while offsetting pressure from the low interest rate environment in recent years. Meanwhile, AI can help banks more precisely match financing needs in the real economy, ultimately improving the overall competitiveness of Chinese enterprises while maintaining stable return on equity (ROE).The broker noted that the four major state-owned banks recorded substantial AI spending last year, with each banks IT investment exceeding RMB25 billion, accounting for approximately 3% to 4% of total revenue. However, it believes banks that can translate AI investment into broad internal applications and workflow transformation will stand out. Currently, ICBC (01398.HK) +0.020 (+0.290%) Short selling $177.49M; Ratio 32.406% , CCB (00939.HK) +0.130 (+1.481%) Short selling $295.11M; Ratio 24.526% and CM BANK (03968.HK) -0.020 (-0.042%) Short selling $50.45M; Ratio 15.882% are industry leaders, combining strong technological capabilities with solid execution. (ss/u)(HK stocks quote is delayed for at least 15 mins.Short Selling Data as at 2026-05-06 12:25.)</div>This article was automatically translated by AI, the Chinese version should be considered the authoritative version. AASTOCKS.com Limited does not guarantee its accuracy or completeness and accepts no liability for any damages or losses arising from the use of this translation.</div>

CICHY

IDCBY

601398

A research report by M Stanley highlights that Chinese banks have integrated AI into their core infrastructure, enhancing efficiency and competitiveness while maintaining stable return on equity (ROE). The report notes significant AI investments by major state-owned banks, with each exceeding RMB25 billion. Banks that effectively apply AI across their operations are expected to excel. Industry leaders include ICBC, CCB, and CM BANK, which combine technological prowess with strong execution.

AASTOCKS News

China Construction Bank

INDUSTRIAL & COMMERCIAL BK OF CHINA UNSP ADR EACH REPR 20 ORD SHS

ICBC

CM BANK

China Merchants Bank

Fullgoal CSI 800 Banks ETF

Guotai CSI All Share Investment Banking & Brokerage ETF

Hwabao WP CSI All Share Investment Banking & Brokerage ETF

China Merchants CSI BANK AH Price ETF

Hwabao WP CSI Banks ETF

China Southern CSI Banks ETF

Huaan CSI Banks ETF

ChinaAMC CSI Banks ETF

WP CSI Banks ETF

Morgan Stanley

MORGAN STANLEY DEP SHS EA REP 1/1000 SHS NON CUM PFD O

MORGAN STANLEY DEP SHS REPSTG 1/1000TH PFD SER Q

MORGAN STANLEY DEP SHS REPS 1/1000 7.125% PFD E

MORGAN STANLEY NON-CUM DEP SH REP 1/1000 PFD SER I

MORGAN STANLEY 4.875 DEP SHS REP 1/1000 NCUM PFD SR L

MORGAN STANLEY 6.5%DEP SHS REPSTG 1/1000 NON CUM SER P

MORGAN STANLEY DEP SHS REPS 1/1000 PFD SER 'A'

MORGAN STANLEY DEP SHS REPR 1/1000TH INT PFD SER 'F' FX

MORGAN STANLEY DEP SHS REP 1/1000 NON-CUM PFD STK SER K

M Stanley: Chinese Banks Have Integrated AI into Core Infrastructure, Supporting ROE Stability and Enhancing Corporate Competitiveness