China Everbright Bank reports asset and profit growth in first half of 2025

China Everbright Bank reported a net profit of RMB24,741 million for the first half of 2025, a 0.53% increase year-on-year. Total assets grew by 4.02% to RMB7,238,591 million, driven by a 3.82% increase in total loans and advances to customers to RMB4,084,070 million. Deposits from customers also rose by 5.39% to RMB4,253,182 million.

Operating income for the period was RMB65,951 million, a 5.60% decrease from the previous year, primarily due to a 5.57% decline in net interest income to RMB45,432 million. Despite this, the bank's non-performing loan (NPL) ratio remained stable at 1.25%, with a provision coverage ratio of 172.47%. The bank also noted growth in technology finance and green loans, increasing by 9.88% and 12.37% respectively compared to the end of the previous year.

The bank's capital adequacy ratios consistently met regulatory requirements, with CAR, Tier 1 CAR, and common equity Tier 1 CAR at 13.53%, 11.55%, and 9.49% respectively.