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China Everbright Bank Company (601818) investor relations material
China Everbright Bank Company Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved net profit of RMB 11.52 billion for Q1 2026, down 8.05% year-over-year; operating income was RMB 31.81 billion, down 3.85% year-over-year.
Total assets reached RMB 7.20 trillion, up 0.50% from year-end 2025; loans and advances grew 1.91% to RMB 4.06 trillion.
Focused on serving the real economy, advancing digital, green, and inclusive finance, and strengthening risk management.
Financial highlights
Net profit attributable to shareholders was RMB 11.46 billion, down 8.06% year-over-year.
Basic and diluted EPS were RMB 0.17, down 10.53% year-over-year.
Net interest income increased 4.13% to RMB 23.47 billion; fee and commission income fell 9.25% to RMB 5.15 billion.
Operating cash flow was negative RMB 36.02 billion, compared to positive RMB 57.08 billion in Q1 2025, mainly due to lower deposit inflows.
Non-performing loan balance rose to RMB 53.45 billion, with NPL ratio at 1.32%, up 0.05 percentage points from year-end.
Outlook and guidance
Plans to maintain prudent provisioning and actively manage risk assets to strengthen asset quality.
Will continue to support key national strategies, digital transformation, and high-quality development.
- Net profit fell 6.88% to RMB 38.83bn, but asset quality and capital ratios stayed robust.601818
Q4 202531 Mar 2026 - Net profit grew 0.53% to RMB 24.74B, with stable asset quality and strong capital ratios.601818
Q2 202517 Dec 2025 - Net profit up 2.22% to RMB 41.70bn; NPL ratio stable at 1.25%; capital adequacy 14.13%.601818
Q4 202417 Dec 2025 - Net profit grew 1.81% year-over-year to RMB 38.59 billion, with stable asset quality.601818
Q3 202417 Dec 2025 - Net profit up 1.61% year-over-year, with stable asset quality and improved capital ratios.601818
Q2 202417 Dec 2025 - Q3 net profit dropped 10.33% year-over-year, with stable asset quality but lower capital ratios.601818
Q3 202530 Oct 2025 - Q1 net profit grew 0.28% as asset quality and capital ratios remained robust.601818
Q1 20256 Jun 2025
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