Yibin City Commercial Bank (2596) H2 2025 earnings summary
Event summary combining transcript, slides, and related documents.
H2 2025 earnings summary
12 Oct, 2026Executive summary
2025 operating income rose 4.3% YoY to RMB2,273.8m and net profit rose 17.1% to RMB559.5m; total assets expanded 13.1% to RMB123,523.8m.
Lending growth, lower deposit funding costs and improved net interest margin supported earnings, while fee income and securities trading gains fell sharply.
Listed on the Hong Kong Stock Exchange on 13 January 2025; the H-share offering raised approximately HK$1,709.3m net to reinforce capital and support business growth.
Financial highlights
Net interest income increased 23.5% YoY to RMB1,947.8m; operating income grew 4.3% to RMB2,273.8m, with net interest income contributing 85.7% of operating income.
Profit before tax rose 15.3% to RMB653.2m; net profit increased 17.1% to RMB559.5m. Profit attributable to shareholders was RMB560.3m; basic and diluted EPS was RMB0.12 vs RMB0.13.
Interest income grew 9.1% to RMB4,028.1m as average interest-earning assets rose; average asset yield declined to 3.82% from 4.00%.
Net fee and commission income declined 75.6% to RMB15.9m; trading gains fell 73.9% to RMB52.4m and financial investment gains fell 30.2% to RMB220.0m.
Operating expenses increased 0.6% to RMB729.8m and expected credit losses were broadly flat at RMB888.8m; other operating income included a RMB17.4m foreign-exchange gain.
Outlook and guidance
2026 priorities include advanced manufacturing, green energy, technological innovation and inclusive finance, alongside ambitions in green new-energy, liquor supply-chain, SME-partner and government-bank cooperation.
Strategy emphasizes corporate and retail banking transformation, digital and intelligent operations, stronger risk management and internal controls, and development of talent and performance systems.
Management expects regional growth opportunities from the Sichuan-Chongqing economy and Yibin’s expanding power-battery and new-energy vehicle industries, while noting global uncertainty and domestic supply-demand imbalances.
