China Everbright Bank reports steady first half 2025 growth, stable asset quality

For the six-month period ended June 30, 2025, China Everbright Bank reported a net profit of RMB24,741 million, a slight increase of 0.53% year-on-year. Operating income, however, saw a decrease of 5.60% to RMB65,951 million. Net interest income contributed RMB45,432 million, while net fee and commission income stood at RMB10,443 million.

The Group's total assets grew by 4.02% to RMB7,238,591 million, with total loans and advances to customers increasing to RMB4,084,070 million. Deposits from customers also rose by 5.39% to RMB4,253,182 million. The NPL ratio remained stable at 1.25%, and the provision coverage ratio was 172.47%. All capital adequacy ratios met regulatory requirements.

The bank continued its focus on technology, green, inclusive, pension, and digital finance, expanding specialized institutions and product offerings in these areas. Loans to tech firms increased by 9.88% and green loans by 12.37% compared to the end of the previous year.