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China Zheshang Bank (2016) investor relations material
China Zheshang Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Total assets reached RMB3,712.3 billion, up 6.64% from December 31, 2025, with loans and advances up 4.71% and customer deposits up 5.44%.
Operating income for Q1 2026 was RMB17.2 billion, a 0.39% year-over-year increase; net profit attributable to shareholders was RMB5.99 billion, up 0.72%.
Net interest income declined 1.30% year-over-year, while net non-interest income rose 4.31%.
Financial highlights
Net profit attributable to shareholders: RMB5.99 billion, up 0.72% year-over-year.
Operating income: RMB17.2 billion, up 0.39% year-over-year.
Net interest margin: 1.60%, down 0.16 percentage points year-over-year.
Cost-to-income ratio: 25.73%, down 1.33 percentage points year-over-year.
Non-performing loan ratio: 1.36%, unchanged from year-end 2025.
Outlook and guidance
Management did not provide explicit forward-looking guidance in the report.
- Net profit declined 14.85% to RMB12.93 billion, but asset quality and capital ratios remained robust.2016
Q4 202530 Mar 2026 - Net profit grew 0.92% to RMB15.19bn, with improved asset quality and strong capital ratios.2016
Q4 20242 Dec 2025 - Income and profit rose, assets and capital ratios improved, NPL ratio stable, digital focus.2016
Q2 20242 Dec 2025 - Net profit fell 4.15% year-over-year, but asset quality and capital ratios remained robust.2016
Q2 20252 Dec 2025 - Net profit fell 9.6% year-over-year despite asset and deposit growth; capital ratios remain solid.2016
Q3 20252 Dec 2025 - Operating income rose 5.63% and net profit 1.19% year-over-year, with stable asset quality.2016
Q3 20242 Dec 2025 - Net profit rose 0.61% as asset growth and improved liquidity offset lower operating income.2016
Q1 20252 Dec 2025
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