Today, let’s take stock of the leaders in the cross-border payment sector since the 20th.
The first company, Uboxun, has a circulating market value of 5.947 billion yuan, with a cumulative increase of 16.87% on the 20th.
The company will achieve a net profit attributable to the parent company of 85.26 million yuan in 2025, successfully turning a loss into a profit. The net profit in the first quarter of 2026 is expected to increase by 79.23% year-on-year to 126.4%, and the results of overseas market expansion are evident.
At the same time, the company adopts MediaTek platform solutions in the research and development of some smart terminal products, enriches product platform choices, and continues to promote overseas market layout, including the Middle East. Related products have been sold locally.
The second company, CNPC Capital, has a circulating market value of 133.753 billion yuan, with a cumulative increase of 16.14% on the 20th.
The company adheres to the positioning of industrial finance, focuses on the energy and chemical industry chain, and provides diversified financial services.
Recently, a coordination group for industry-finance integration and a regional coordination group for integration of industry and finance have been established to provide “a package” of products and “one-stop” services to main business units.
On April 3, 2026, the digital currency concept sector reached a strong daily limit, attracting high market attention.
The third company, Bank of China, has a circulating market value of 1.237194 billion yuan, with a cumulative increase of 8.91% on the 20th.
In 2025, Bank of China’s operating efficiency will steadily improve, achieving operating income of 658.3 billion yuan, a year-on-year increase of 4.48%, of which non-interest income increased by 19.21% year-on-year, and total assets exceeded 38 trillion yuan.
The company took the lead in releasing an action plan to support the development of the artificial intelligence industry chain. The balance of technology loans increased by 18.78%, and it continued to increase financial support for the field of technological innovation.
The fourth company, Hua Xia Bank, has a circulating market value of 114.019 billion yuan, with a cumulative increase of 8.02% on the 20th.
In 2025, Hua Xia Bank’s deposit and loan increments and growth rates all hit a five-year high. The growth rates of technology finance and green finance loan balances were respectively 45.02 and 22.27 percentage points higher than the growth rate of the bank’s total loans. Net interest income will see positive growth for the first time since 2021.
The company proactively collects historical burdens, continues to optimize asset quality, and has maintained a decline in non-performing loan ratios for five consecutive years.
The fifth bank, Industrial and Commercial Bank of China, has a circulating market value of 2,040.964 billion yuan, with a cumulative increase of 6.47% on the 20th.
As of the end of 2025, the balance of ICBC’s technology loans has reached 6 trillion yuan, actively supporting the development of technological innovation.
Recently, it has applied for a number of financial technology-related patents, including dialogue skills training methods, branch service methods based on business predictions, etc., and optimizes service processes through technological empowerment to improve customer service efficiency and experience.
In addition, the top ten include China Construction Bank, with a cumulative increase of 5.46% on the 20th; Bank of Communications, with a cumulative increase of 4.28%; Ping An Bank, with a cumulative increase of 3.33%; Agricultural Bank of China, with a cumulative increase of 2.84%; and Shanghai Pudong Development Bank, with a cumulative increase of 2.53%.
It can be found that these leading companies have three obvious things in common:
1. They closely follow the policy guidance and focus on the core track. Most companies closely follow the national strategy to lay out key areas such as technology finance and green finance. Uboxun deploys cross-border intelligent terminals to serve overseas markets. CNPC Capital deeply engages in financial services along the energy and chemical industry chain, and achieves growth through precise business docking with the needs of the real economy.
2. The performance has both stability and growth. Many banks have achieved double growth in revenue and net profit. Uboxun has achieved an annual turnaround and a substantial profit increase in the first quarter. Shanghai Pudong Development Bank’s asset quality has continued to improve, and its net profit attributable to the parent company has maintained double-digit growth for two consecutive years. It has gained market recognition for its good operating fundamentals.
3. Actively embracing the wave of digital transformation, Industrial and Commercial Bank of China, Shanghai Pudong Development Bank, Ping An Bank, etc. have increased investment in the application of artificial intelligence, big data and other technologies, launched digital intelligence strategies to upgrade service capabilities, optimized business processes through patent research and development, system upgrades, etc., and improved the efficiency and accuracy of financial services.
