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China Minsheng Banking Corp (600016) investor relations material
China Minsheng Banking Corp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Aug, 2025
Executive summary
Revenue for H1 2025 reached RMB 72.38 billion, up 7.83% year-over-year, with net profit attributable to shareholders at RMB 21.38 billion, down 4.87% year-over-year.
Net interest income grew 1.28% year-over-year, while non-interest income surged 25.00% year-over-year, driven by investment and trading gains.
Asset quality remained stable with a non-performing loan (NPL) ratio of 1.48%, and provision coverage at 145.06%.
Capital adequacy improved: core tier-1 ratio at 9.50%, total capital adequacy at 13.25%.
Liquidity coverage ratio stood at 155.16%, well above regulatory requirements.
Financial highlights
Operating income: RMB 72.38 billion (+7.83% YoY); net interest income: RMB 49.20 billion (+1.28% YoY); non-interest income: RMB 23.18 billion (+25.00% YoY).
Net profit attributable to shareholders: RMB 21.38 billion (-4.87% YoY); basic EPS: RMB 0.45.
Cost-to-income ratio improved to 28.54% (-2.10ppt YoY).
NPL ratio: 1.48%; provision coverage: 145.06%; loan loss provisions: RMB 26.04 billion (+26.70% YoY).
Total assets: RMB 7.77 trillion (-0.59% from end-2024); total loans: RMB 4.47 trillion (+0.44% from end-2024); total deposits: RMB 4.31 trillion (+1.46% from end-2024).
Outlook and guidance
The bank will focus on optimizing asset-liability structure, enhancing risk management, and supporting key sectors such as technology, green finance, and inclusive finance.
Plans to maintain stable dividend policy, with interim cash dividend of RMB 1.36 per 10 shares.
Management expects continued pressure on net interest margin but aims to offset with growth in non-interest income and cost control.
Real estate NPLs decreased. What drove this?
What drove non-interest income growth?
What caused operating cash flow improvement?
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Next China Minsheng Banking Corp earnings date
Q3 202529 Oct, 2025
Next China Minsheng Banking Corp earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
China Minsheng Banking Corp Ltd provides a range of banking and financial services to individual and corporate clients. Its offerings include personal and corporate banking, wealth management, investment banking, and treasury operations. The bank supports various industries with tailored financial solutions, including loans, deposits, and payment services. The company is headquartered in Beijing, China, and its shares are listed on the SSE and SEHK.
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