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CHINA CITIC BANK
CHINA CITIC BANK (998) investor relations material
CHINA CITIC BANK Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
9M 2026 operating income rose 4.16% YoY to RMB163.601bn; net profit attributable to shareholders increased 3.56% to RMB55.293bn.
Q3 operating income was RMB53.192bn, up 3.82% YoY; net profit attributable to shareholders was RMB17.691bn, up 4.60%.
Assets grew 2.45% from year-end 2025 to RMB10.379tn; customer deposits increased 5.06% to RMB6.356tn, outpacing loans, up 2.33% to RMB5.999tn.
Financial highlights
9M net interest income rose 1.62% YoY to RMB109.450bn; net non-interest income increased 9.70% to RMB54.151bn.
9M net operating profit before impairment was RMB117.698bn versus RMB109.815bn YoY; credit impairment losses increased to RMB51.333bn from RMB44.714bn.
9M basic EPS was RMB0.92, up 3.37% YoY; Q3 basic EPS was RMB0.29, up 7.41%.
9M net cash from operating activities reached RMB303.395bn, up 44.17% YoY, primarily due to higher interbank inflows.
Outlook and guidance
15th Five-Year Plan strategy targets three “excellent” businesses—wealth management, comprehensive financing, and investment and trading—and leadership in payments, cross-border services, and digital banking.
Strategic execution centers on developing six core capabilities and upgrading traditional deposit, lending, and remittance businesses.
Corporate lending priorities include mid- and long-term financing for national projects, equipment upgrades, and strategic industries, supported by PBOC relending and fiscal interest subsidies.
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Latest events from CHINA CITIC BANK
- Profitability improved as strategy shifted toward disciplined growth and tighter risk control.998
H1 2018 - Net profit up 3.08% YoY to RMB37.60bn, stable asset quality, and interim dividend proposed.998H1 2026
- Net profit rose 3.02% year-over-year, with strong asset growth and robust capital ratios.998Q1 2026
- Net profit up 2.98% to RMB70.62bn, assets over RMB10tn, record dividend payout.998H2 2025
- Net profit up 0.76% and operating income up 3.77% year-over-year, with stable asset quality.998Q3 2024
- Net profit up 3.02% year-over-year, NPL ratio stable at 1.16%, and capital ratios remain strong.998Q3 2025
- Net profit up 2.78% to RMB36.478bn, NPL ratio steady at 1.16%, interim dividend proposed.998H1 2025
- H1 2024 saw stable income growth, resilient asset quality, and a proposed interim dividend.998H1 2024
- Net profit grew 2.33% to RMB68.6B, with stable asset quality and higher dividends.998H2 2024
Next CHINA CITIC BANK earnings date
H2 202625 Mar, 2027
CHINA CITIC BANK
Next CHINA CITIC BANK earnings date
H2 202625 Mar, 2027
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Frequently asked questions
China CITIC Bank Corporation Limited provides a wide range of banking and financial services to individual, corporate, and institutional clients. Its offerings include personal and corporate banking, wealth management, investment banking, and treasury services. The bank also offers digital financial solutions and cross-border banking services. The company is headquartered in Beijing, China, and its shares are listed on the SSE and SEHK.