China Everbright Bank (“CEB BANK”, 06818) released its 2026 interim report, approved by the Board on 28 August 2026.

Financial Performance • Operating income slipped 4.31 % YoY to RMB 63.11 billion. • Net interest income grew 3.17 % to RMB 46.87 billion; net interest margin edged up 2 bps to 1.42 %. • Net profit declined 23.86 % YoY to RMB 18.84 billion; profit attributable to equity shareholders was RMB 18.71 billion, equal to basic EPS of RMB 0.28.

Balance Sheet and Capital • Total assets rose 1.20 % from end-2025 to RMB 7.25 trillion; loans increased 2.21 % to RMB 4.07 trillion; deposits grew 2.20 % to RMB 4.19 trillion. • Common Equity Tier 1 ratio stood at 9.67 %, Tier 1 ratio at 11.69 % and total capital adequacy ratio at 13.35 %, all above regulatory minima. • Leverage ratio was 7.24 %; liquidity coverage ratio reached 156.70 %; net stable funding ratio came in at 107.42 %.

Asset Quality • Non-performing loans rose to RMB 58.64 billion, lifting the NPL ratio to 1.44 % (up 17 bps from end-2025). • Provision coverage decreased to 150.02 %, while the loan provision ratio was 2.16 %.

Segment Highlights • Operating income contribution: Corporate Banking RMB 24.73 billion, Retail Banking RMB 24.27 billion, Financial Markets RMB 14.23 billion. • Geographic leaders: Bohai Rim generated RMB 13.50 billion of revenue; Yangtze River Delta RMB 11.86 billion.

Dividends and Capital Actions • Board proposes an interim dividend of RMB 0.81 (tax-inclusive) per 10 ordinary shares, totalling RMB 4.79 billion. • February 2026: fully redeemed RMB 35.15 billion of “Everbright P3” preference shares. • April and June 2026: issued two perpetual capital bonds totalling RMB 35 billion, both resettable every five years at initial coupons of 2.01 % and 1.99 %, respectively.

Strategic Focus CEB BANK reiterated commitment to supporting technology, green, inclusive, pension and digital finance, maintaining prudent risk controls while pursuing high-quality growth.