China Everbright Bank (06818) announced interim results. Net profit to mother was 18.711 billion yuan, a year-on-year decrease of 24.01%

According to the Zhitong Finance App, China Everbright Bank (06818) announced its 2026 interim results. Since 2026, the Group's net interest spread has steadily rebounded, driving net interest income to achieve positive growth. The decline in operating income has narrowed compared to the previous year. During the reporting period, the Group achieved operating revenue of 63.108 billion yuan, a year-on-year decrease of 4.31%. Among them, net interest income was $46.871 billion, up 3.17% year on year; net income from handling fees and commissions was 9.676 billion yuan, down 7.34% year on year. Net profit of 18.838 billion yuan was realized, a year-on-year decrease of 23.86%; net profit attributable to the bank's shareholders was 18.711 billion yuan, a year-on-year decrease of 24.01%. Basic earnings per share were $0.28.

During the reporting period, the Group actively mitigated risks, accelerated bad treatment, strictly controlled new risks, and consolidated asset quality. At the end of the reporting period, the Group's non-performing loan balance was 58.639 billion yuan, up 7.897 billion yuan from the end of the previous year; the non-performing loan ratio was 1.44%, up 0.17 percentage points from the end of the previous year; the provision coverage rate was 150.02%, down 24.12 percentage points from the end of the previous year; and the loan provision rate was 2.16%, down 0.06 percentage points from the end of the previous year.

The Group continues to increase its credit and bond support for key areas of the real economy, such as the “Five Major Articles” in finance. Assets and liabilities have grown steadily, and the deposit and loan structure has been continuously optimized. At the end of the reporting period, the Group's total assets were $7251,234 billion, up 85.915 billion yuan from the end of the previous year; the total principal amount of loans and advances was 40,68,283 billion yuan, an increase of 88.065 billion yuan over the end of the previous year, an increase of 2.21%; the deposit balance was 4192.705 billion yuan, an increase of 90.247 billion yuan over the end of the previous year, an increase of 2.20%.

At the end of the reporting period, the Group's net core Tier 1 capital was 502,630 billion yuan, up 7.810 billion yuan from the end of the previous year; net Tier 1 capital of 607.749 billion yuan, an increase of 7.851 billion yuan over the end of the previous year; net capital of $69%, a decrease of 6.217 billion yuan from the end of the previous year; core Tier 1 capital adequacy ratio of 9.67%, Tier 1 capital adequacy ratio of 11.69%, and capital adequacy ratio of 13.35%, all in line with regulatory requirements.