CEB BANK (06818) has released its interim results for the first half of 2026, reporting a net profit attributable to shareholders of RMB 18.711 billion, a year-on-year decrease of 24.01%. The bank's net interest margin stabilized and rebounded during the period, driving positive growth in net interest income and narrowing the decline in operating revenue compared to the previous year.

During the reporting period, the group achieved operating revenue of RMB 63.108 billion, down 4.31% year-on-year. Net interest income reached RMB 46.871 billion, an increase of 3.17%, while net fee and commission income totaled RMB 9.676 billion, a decrease of 7.34%. Net profit stood at RMB 18.838 billion, down 23.86% year-on-year, with basic earnings per share of RMB 0.28.

The group actively mitigated risks and accelerated the disposal of non-performing assets while strictly controlling new risks to solidify asset quality. As of the end of the reporting period, non-performing loan balances totaled RMB 58.639 billion, an increase of RMB 7.897 billion compared to the end of the previous year. The non-performing loan ratio rose to 1.44%, up 17 basis points from the end of last year. The provision coverage ratio stood at 150.02%, down 24.12 percentage points, while the loan provision ratio was 2.16%, a decline of 0.06 percentage points.

The group continued to strengthen credit and bond support for key areas of the real economy, including the "five major articles" in finance, with steady growth in assets and liabilities and continuous optimization of the deposit and loan structure. Total assets reached RMB 7.251234 trillion by the end of the period, up 1.20% from the end of last year. Gross loans and advances totaled RMB 4.068283 trillion, an increase of 2.21%, while deposits rose 2.20% to RMB 4.192705 trillion.

Regarding capital adequacy, core Tier 1 capital netted RMB 502.630 billion, up from the end of the previous year, with Tier 1 capital at RMB 607.749 billion and total capital at RMB 693.744 billion. The core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and capital adequacy ratio were 9.67%, 11.69%, and 13.35%, respectively, all meeting regulatory requirements.