Bank of Changsha (601577) investor relations material

Executive summary

• Achieved steady growth in business scale and profitability, with total assets reaching ¥1.34 trillion, up 5.74% from year-end 2025, and net profit attributable to shareholders at ¥4.55 billion, up 5.06% year-over-year.

• Maintained stable asset quality with an NPL ratio of 1.15% and provision coverage at 281.43%.

• Continued strategic focus on county-level finance, retail, corporate, green, inclusive, and technology finance, with notable advances in digital transformation and risk management.

Financial highlights

• Operating income for H1 2026 was ¥13.78 billion, up 4.01% year-over-year; net profit attributable to shareholders was ¥4.55 billion, up 5.06%.

• Net interest income rose 6.77% to ¥10.31 billion, while non-interest net income declined 3.44%.

• Total assets grew to ¥1.34 trillion, loans increased 7.51% to ¥657.65 billion, and deposits rose 1.17% to ¥797.89 billion.

• Basic and diluted EPS were both ¥1.13; ROAE was 6.17%, and ROAA was 0.35%.

Outlook and guidance

• Management highlights external uncertainties, continued industry margin compression, and intensified competition, but remains committed to high-quality growth, stable dividends, and enhanced investor relations.

• Plans to continue stable interim dividend policy, with a payout of ¥2.20 per 10 shares.