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<Research>M Stanley: CN Banks Have Integrated AI into Core Infra, Supporting ROE Stability and Enhancing Corporate Competitiveness
Banks in China have deployed AI on a large scale across front-, middle- and back-office functions, and are building enterprise-level AI platforms, internal knowledge bases, digital...
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<Research>M Stanley: CN Banks Have Integrated AI into Core Infra, Supporting ROE Stability and Enhancing Corporate Competitiveness
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Banks in China have deployed 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, a research report by Morgan Stanley wrote.

The broker believed 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.

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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 ROE.

Four major SOE banks recorded substantial AI spending last year, with each bank's IT investment exceeding RMB25 billion, accounting for approximately 3-4% of total revenue, the broker noted. However, it believed banks that can translate AI investment into broad internal applications and workflow transformation will stand out.

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(HK stocks quote is delayed for at least 15 mins.Short Selling Data as at 2026-05-13 16:25.)

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