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China Everbright Bank Company (601818) investor relations material
China Everbright Bank Company Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Revenue for H1 2026 was RMB 63.07 billion, down 4.32% year-over-year; net profit attributable to shareholders was RMB 18.71 billion, down 24.01% year-over-year.
Net interest income increased 3.17% year-over-year, but fee and commission income declined 7.34%.
Asset quality weakened: NPL ratio rose to 1.44% (up 0.17pp from end-2025), with provision coverage at 150.02%.
Total assets grew 1.20% to RMB 7.25 trillion; loans and deposits both increased over 2% from end-2025.
Interim cash dividend proposed: RMB 0.81 per 10 shares, totaling RMB 4.786 billion.
Financial highlights
Operating income: RMB 63.07 billion (down 4.32% YoY).
Net profit: RMB 18.84 billion (down 23.86% YoY); EPS: RMB 0.28 (down 26.32% YoY).
Net interest margin: 1.36% (up 0.05pp YoY); net interest income: RMB 46.87 billion (up 3.17% YoY).
Fee and commission income: RMB 9.68 billion (down 7.34% YoY).
Cost-to-income ratio: 25.92% (down 0.61pp YoY).
Operating cash flow: RMB 60.88 billion (down 71.32% YoY).
Outlook and guidance
Management expects continued pressure on profitability due to low interest rates and economic headwinds.
Focus remains on supporting national strategies, expanding core businesses, and enhancing risk controls.
Plans to further strengthen digital transformation, risk management, and green finance initiatives.
- Q1 2026 net profit fell 8.05% year-over-year, with asset quality and capital ratios under pressure.601818
Q1 2026 - Net profit fell 6.88% to RMB 38.83bn, but asset quality and capital ratios stayed robust.601818
Q4 2025 - Q3 net profit dropped 10.33% year-over-year, with stable asset quality but lower capital ratios.601818
Q3 2025 - Net profit grew 0.53% to RMB 24.74B, with stable asset quality and strong capital ratios.601818
Q2 2025 - Net profit grew 1.81% year-over-year to RMB 38.59 billion, with stable asset quality.601818
Q3 2024 - Net profit up 1.61% year-over-year, with stable asset quality and improved capital ratios.601818
Q2 2024 - Q1 net profit grew 0.28% as asset quality and capital ratios remained robust.601818
Q1 2025 - Net profit up 2.22% to RMB 41.70bn; NPL ratio stable at 1.25%; capital adequacy 14.13%.601818
Q4 2024
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