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Shanghai Rural Commercial Bank (601825) investor relations material
Shanghai Rural Commercial Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved revenue of RMB 6.64 billion for Q1 2026, up 1.23% year-over-year; net profit attributable to shareholders reached RMB 3.59 billion, up 0.73% year-over-year.
Asset quality remained stable with a non-performing loan (NPL) ratio of 0.96% and provision coverage at 303.07%.
Retail finance transformation deepened, with retail AUM up 2.11% and personal customer base expanding.
Green finance assets surpassed RMB 109 billion, with green loans up 2.83% from year-end.
Financial highlights
Operating income: RMB 6.64 billion, up 1.23% year-over-year.
Net profit attributable to shareholders: RMB 3.59 billion, up 0.73% year-over-year.
Cost-to-income ratio improved to 23.13%, down 2.30 percentage points year-over-year.
Total assets: RMB 1.63 trillion, up 2.50% from year-end; total loans: RMB 803.74 billion, up 3.98%.
Net cash flow from operating activities: RMB 7.28 billion, down 59.03% year-over-year due to reduced interbank funding.
Outlook and guidance
Continued focus on retail finance, digital transformation, and green finance expansion.
Ongoing optimization of asset structure and liability costs, with emphasis on differentiated pricing and customer segmentation.
- Net profit grew 0.20% to RMB 12.31 billion, with stable asset quality and strong capital ratios.601825
H2 202523 Apr 2026 - Net profit rose 1.2% to RMB 12.29bn, with stable asset quality and a higher dividend payout.601825
H2 202420 Mar 2026 - Net profit grew 10.64% year-over-year on higher income and robust asset quality.601825
H2 202320 Mar 2026 - Net profit grew 0.78% to RMB 10.57 billion, with stable asset quality and strong capital ratios.601825
Q3 202531 Oct 2025 - H1 2025 net profit up 0.41% to RMB 7.17bn; NPL 0.97%; interim dividend RMB 2.41/10 shares.601825
H1 202529 Aug 2025 - Net profit up 0.81% year-over-year to RMB 10.49 billion, with stable asset quality.601825
Q3 202413 Jun 2025 - Net profit rose 0.62% YoY to RMB 6.97bn, with strong capital and stable asset quality.601825
H1 202413 Jun 2025 - Net profit up 0.34% year-over-year, with stable asset quality and strong capital ratios.601825
Q1 20256 Jun 2025
Next Shanghai Rural Commercial Bank earnings date
Next Shanghai Rural Commercial Bank earnings date
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