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Bank of Shanghai (601229) investor relations material
Bank of Shanghai H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved steady growth with total assets reaching RMB 3.42 trillion, up 3.33% from year-end 2025.
Customer loans and advances totaled RMB 1.53 trillion, up 6.10% from year-end 2025.
Deposits grew 7.43% to RMB 1.86 trillion, with both corporate and personal deposits increasing.
Net profit attributable to shareholders was RMB 13.30 billion, up 0.51% year-over-year.
Board approved an interim cash dividend of RMB 3.00 per 10 shares, totaling RMB 4.26 billion.
Financial highlights
Operating income for H1 2026 was RMB 28.84 billion, up 5.48% year-over-year.
Net interest income rose 7.37% to RMB 17.67 billion; net fee and commission income fell 10.20%.
Cost-to-income ratio improved to 21.43%, down 0.56 percentage points year-over-year.
Credit impairment losses increased 20.78% to RMB 6.03 billion.
Basic EPS was RMB 0.94, up from RMB 0.93 in H1 2025.
Outlook and guidance
Management expects continued focus on high-quality growth, risk control, and digital transformation.
Will further strengthen capital management and optimize business structure.
No major foreseeable risks; main challenges include credit, market, liquidity, and operational risks.
- 2025 saw steady growth in assets, profits, and capital, with strong digital, green, and inclusive finance momentum.601229
H2 2025 - Steady Q1 2026 growth with robust asset quality, capital, and expanding tech and green lending.601229
Q1 2026 - Net profit grew 1.19% to RMB22.54 billion, with improved asset quality and strong digital finance growth.601229
H2 2023 - Net profit rose 4.50% year-over-year, with improved asset quality and higher dividends.601229
H2 2024 - Net profit grew 2.77% to ¥18.08B, with robust capital and asset quality metrics.601229
Q3 2025 - H1 2025 saw steady profit growth, stable asset quality, and improved capital adequacy.601229
H1 2025 - Net profit grew 1.40% year-over-year and capital adequacy reached 14.77%.601229
Q3 2024 - Net profit up 1.04% to RMB 12.97B, asset quality and capital remain robust.601229
H1 2024 - Net profit rose 2.3% year-over-year with stable asset quality and strong capital ratios.601229
Q1 2025
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