China Everbright Bank reports steady H1 2025 profit despite dip in operating income

China Everbright Bank reported a net profit of RMB 24.741 bn for the first half of 2025, a 0.53% increase year-on-year. Operating income reached RMB 65.918 bn, a decrease of 5.57% compared to the same period in 2024.

The bank's total assets grew by 4.02% to RMB 7,238.591 bn, with loans and advances increasing by 3.82% to RMB 4,084.070 bn. Deposits also saw a significant rise of 5.39% to RMB 4,253.182 bn. Asset quality remained stable, with a non-performing loan ratio of 1.25%, unchanged from the end of last year, and a provision coverage ratio of 172.47%.

The Board of Directors approved the semi-annual report, along with several other key proposals, including the bank's recovery plan and revisions to various internal management methods. The bank continued to optimize its capital structure, with total capital reaching RMB 691.079 bn and a capital adequacy ratio of 13.53%.

The Board of Directors also approved the re-appointment of Mr. Zhang Xuyang as board secretary. China Everbright Group, the bank's controlling shareholder, completed its shareholding increase plan, raising its stake by 0.21%.