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Bank of Chengdu
Bank of Chengdu (601838) investor relations material
Bank of Chengdu H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary23 Apr, 2026
Executive summary
Total assets reached RMB 1.40 trillion, up 11.87% year-over-year; deposits and loans grew 11.59% and 15.78% respectively.
Operating income was RMB 23.60 billion, up 2.70% year-over-year; net profit attributable to shareholders was RMB 13.28 billion, up 3.31%.
Weighted average ROE was 15.39%; NPL ratio at 0.68%; provision coverage at 426.17%.
Board proposes a cash dividend of RMB 0.921 per share (RMB 3.90 billion total), representing 30.04% payout ratio.
KPMG issued an unqualified audit opinion.
Financial highlights
Net interest income rose 8.37% to RMB 20.01 billion; net fee and commission income fell 29.59% to RMB 0.50 billion.
Cost-to-income ratio improved to 23.73%; asset profit ratio at 1.00%.
Basic EPS was RMB 3.07; diluted EPS RMB 3.07.
Operating cash flow turned positive to RMB 74.86 billion from negative RMB 94.23 billion last year.
Capital adequacy ratio at 13.81%; core tier-1 at 8.91%.
Outlook and guidance
2026 macroeconomic outlook remains positive, with focus on high-quality growth and risk prevention.
Strategic priorities: support regional development, expand green and inclusive finance, enhance digital transformation, and maintain prudent risk controls.
Plans to further strengthen retail, wealth management, and digital channels.
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Latest events from Bank of Chengdu
- Q1 2026 saw solid profit and asset growth, with strong capital and stable asset quality.601838
Q1 202623 Apr 2026 - Net profit rose 7.29% year-over-year with stable asset quality and robust capital ratios.601838H1 202517 Dec 2025
- Net profit rose 5.03% year-over-year as assets and loans expanded, with strong capital ratios.601838Q3 202517 Dec 2025
- Net profit up 10.21% and total assets up 14.56%, with improved asset quality.601838H2 202417 Dec 2025
- Net profit up 10.81% year-over-year, with strong growth in assets, deposits, and loans.601838Q3 202413 Jun 2025
- Net profit up 10.60% to ¥6.17B, assets at ¥1.20T, NPL ratio 0.66%, capital strong.601838H1 202413 Jun 2025
- Q1 2025 net profit up 5.64%, assets up 6.77%, NPL ratio steady at 0.66%.601838Q1 20256 Jun 2025
Bank of Chengdu
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