Greater China Banks Daily: China banks move from AI rollout to token ROI discipline; Regulators take over Wuhan Zhongbang Bank due to severe credit risk

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Greater China Banks Daily: China banks move from AI rollout to token ROI discipline; Regulators take over Wuhan Zhongbang Bank due to severe credit risk

Global Research

6 July 2026ab

Greater China Banks Daily Equities

ChinaChina banks move from Al rollout to token ROI

discipline; Regulators take over Wuhan Banks

Zhongbang Bank due to severe credit risk MayAnalystYan

may.yan@ubs.com

+852-2971 7157

China banks move from Al rollout to token ROI discipline Alex Ye

Analyst

21 jingji, Jul 3: China banks' Al race is shifting from 2025's focus on GPU procurement S1460522090005

and scenario rollout to 2026's emphasis on Token economics and ROl discipline. Several alex.ye@ubs.com

banks have disclosed large-scale model usage: CMB's daily Token consumption reached +86 755 2215 8858

33bn by May 2026, with an estimated Al cost-to-income ratio of c20%; PSBC reported

Catherine Yang, CFA

over 6mn daily model calls and over 10bn Tokens per day, targeting 30bn+ by 2026; Analyst

while WeBank's daily Token usage surged from 2bn to over 50bn. The key point is that S1460526010003

banks are increasingly tying Token consumption to measurable business outcomes. At catherine-za.yang@ubs.com

CMB, the Al contribution ratio (i.e.the ratio between working hours of business tasks +86-755-2215 8860

processed by AI and the actual working hours invested by human employees) improved Helen Li, CFA

from 1:13.5 at end-2025 to nearly 1:9 by May 2026, while Al replaced 15.56mn Analyst

working hours in 2025, equivalent to over 8,000 full-time employees. Its retail RM helen-za.li@ubs.com

assistant lifted effective client contacts by 14% and average transaction size by 20%. +852-2971 6066

Regulators take over Wuhan Zhongbang Bank due to severe credit risk