China Everbright Bank Company (601818) investor relations material

Executive summary

• Achieved total assets of RMB 7.17 trillion, up 2.96% year-over-year; loans and advances grew 1.18% to RMB 3.98 trillion; deposits increased 1.65% to RMB 4.10 trillion.

• Net profit attributable to shareholders was RMB 38.83 billion, down 6.88% year-over-year; operating income was RMB 126.31 billion, down 6.72%.

• Board proposes a total cash dividend of RMB 1.75 per 10 shares for 2025, with a payout ratio of 30.08% of net profit attributable to ordinary shareholders.

• Maintained capital adequacy, risk control, and asset quality in line with regulatory requirements.

Financial highlights

• Net interest income was RMB 92.10 billion, down 4.72% year-over-year; net interest margin declined to 1.40%.

• Fee and commission income rose 6.19% to RMB 20.25 billion, driven by strong growth in wealth management fees.

• Cost-to-income ratio improved to 29.13%, down 0.68 percentage points year-over-year.

• Non-performing loan (NPL) ratio was 1.27%, up 0.02 percentage points; provision coverage ratio at 174.14%.

• Capital adequacy ratio at 13.71%, Tier 1 at 11.75%, and CET1 at 9.69%.

Outlook and guidance

• Expects stable loan growth and continued optimization of asset-liability structure in 2026.

• Will focus on supporting national strategies, digital transformation, and risk management.

• Plans to further strengthen capital base through internal and external channels.