CITIC Bank (China CITIC Bank Corporation Limited) reported first-half 2026 net profit of RMB37.60 billion, up 3.08 % year on year. Operating income grew 4.32 % to RMB110.41 billion, with net interest income increasing 2.74 % to RMB73.15 billion and net non-interest income up 7.59 % to RMB37.26 billion. The net interest margin slipped by 1 basis point to 1.62 %.

Total assets reached RMB10.38 trillion, rising 2.50 % from end-2025. Loans and advances expanded 2.50 % to RMB6.01 trillion, while customer deposits climbed 3.81 % to RMB6.28 trillion. Asset quality held steady: the non-performing loan ratio stayed at 1.15 %, and the allowance coverage ratio was 203.12 %. Credit cost increased 16 basis points to 1.05 %.

Key profitability indicators remained resilient, with ROAA at 0.75 % and ROAE at 9.65 %. The common equity tier 1 ratio stood at 9.37 %, tier 1 ratio at 10.98 %, and the total capital adequacy ratio at 12.81 %. Liquidity coverage ratio improved to 161.48 %.

The board declared an interim cash dividend of RMB2.03 per 10 shares (tax inclusive), subject to shareholder approval; no earnings were allocated to share capital conversion.

During the period the bank issued two tranches of write-down undated capital bonds totaling RMB60 billion and redeemed RMB40 billion of earlier perpetual bonds. Its RMB40 billion rights issue plan, previously approved by regulators, awaits final registration.

Auditors KPMG Huazhen LLP and KPMG reviewed the interim financial information. The bank stated it was unaware of any material risks that would adversely affect its strategic objectives.