Bank of Chengdu (601838) H1 2026 earnings summary

Executive summary

• Achieved steady growth in total assets, deposits, and loans, with robust profitability and stable asset quality in the first half of 2026.

• Maintained a leading position in regional financial services, with strong advances in technology, green, and inclusive finance.

• Continued to optimize business structure and risk management, supporting high-quality regional economic development.

Financial highlights

• Total assets reached RMB 1,497.05 billion, up 7.05% from year-end 2025; deposits RMB 1,060.69 billion, up 7.30%; loans RMB 902.42 billion, up 4.97%.

• Operating income was RMB 12.78 billion, up 4.13% year-over-year; net profit attributable to shareholders was RMB 6.90 billion, up 4.35%.

• Basic EPS was RMB 1.63, up 3.82% year-over-year; ROAE was 7.49%.

• Cost-to-income ratio improved to 22.77%.

• Non-performing loan (NPL) ratio remained at 0.68%; provision coverage ratio at 426.06%.

Outlook and guidance

• Will focus on supporting regional strategies, green finance, and inclusive finance, aiming for coordinated growth in business scale and quality.

• Plans to further optimize deposit structure, enhance digital risk control, and expand wealth management offerings.

• Will continue to strengthen liquidity, risk management, and digital transformation to support sustainable growth.