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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bank of Chengdu
Bank of Chengdu (601838) investor relations material
Bank of Chengdu Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
9M 2026 revenue rose 9.84% YoY to RMB 19,507,503 thousand; net profit rose 4.48% to RMB 9,917,974 thousand.
At September-end, total assets grew 7.17% from year-end 2025; deposits grew 8.65% and loans 4.44%, with the NPL ratio steady at 0.68%.
Financial highlights
Q3 revenue increased 22.59% YoY to RMB 6,731,555 thousand; Q3 net profit rose 4.78% to RMB 3,013,455 thousand, while operating profit declined 0.72%.
9M operating profit increased 1.50% to RMB 11,428,126 thousand; profit before tax rose 1.49% to RMB 11,427,364 thousand.
9M net interest income was RMB 17,909,890 thousand versus RMB 14,724,851 thousand; net fee and commission income was RMB 332,708 thousand versus RMB 375,137 thousand.
9M basic EPS was RMB 2.28, up 1.79% YoY; Q3 basic EPS was RMB 0.65, down 4.41% YoY.
Key financial ratios and metrics
Annualized return on assets was 0.91% for 9M, versus 0.96% a year earlier; weighted-average ROE was 10.48%, down 0.92 percentage points YoY.
Cost-to-income ratio improved to 23.33% from 25.21%; NPL ratio was 0.68%, unchanged from year-end 2025.
Provision coverage was 448.06%, up from 426.17%; loan provision ratio was 3.04%, versus 2.91% at year-end 2025.
Consolidated capital adequacy ratio was 13.57% versus 13.81% at year-end 2025; leverage ratio was 6.73% versus 6.86%.
Liquidity coverage ratio was 166.15%, versus 164.74% at year-end 2025.
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Latest events from Bank of Chengdu
- Net profit rose 4.35% to RMB 6.90 billion, with stable asset quality and robust capital ratios.601838
H1 2026 - Net profit up 3.31% to RMB 13.28bn, NPL ratio at 0.68%, assets up 11.87%.601838H2 2025
- Q1 2026 saw solid profit and asset growth, with strong capital and stable asset quality.601838Q1 2026
- Net profit rose 5.03% year-over-year as assets and loans expanded, with strong capital ratios.601838Q3 2025
- Net profit rose 7.29% year-over-year with stable asset quality and robust capital ratios.601838H1 2025
- Net profit up 10.81% year-over-year, with strong growth in assets, deposits, and loans.601838Q3 2024
- Net profit up 10.60% to ¥6.17B, assets at ¥1.20T, NPL ratio 0.66%, capital strong.601838H1 2024
- Net profit up 10.21% and total assets up 14.56%, with improved asset quality.601838H2 2024
- Q1 2025 net profit up 5.64%, assets up 6.77%, NPL ratio steady at 0.66%.601838Q1 2025
Next Bank of Chengdu earnings date
H2 202623 Apr, 2027
Bank of Chengdu
Next Bank of Chengdu earnings date
H2 202623 Apr, 2027
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Frequently asked questions
Bank of Chengdu Co., Ltd. is a commercial bank offering a range of financial products and services. The bank's offerings include corporate and personal banking, such as deposit accounts, loans, and payment solutions. It also provides wealth management, trade financing, and investment banking services. Additionally, the bank engages in interbank operations and treasury management activities. The company is headquartered in Chengdu, China, and its shares are listed on the SSE.