Yibin Bank reported a solid first-half 2026 performance, with net profit climbing 11.1% year on year to RMB 323.20 million and basic earnings per share steady at RMB 0.07. Operating income rose 17.6% to RMB 1.37 billion, driven by a 17.5% increase in net interest income to RMB 1.10 billion as the net interest margin widened to 1.91% from 1.80%.

Net fee and commission income fell 66.7% to RMB 3.20 million, but the pressure was offset by a 127.6% surge in trading gains to RMB 151.59 million and a stable RMB 125.31 million contribution from financial investments. Operating expenses grew 6.4% to RMB 374.08 million, while expected credit losses expanded 29.3% to RMB 596.25 million.

Total assets reached RMB 132.07 billion, up 6.9% from end-2025. Net loans and advances increased 6.9% to RMB 72.88 billion; customer deposits advanced 8.9% to RMB 100.01 billion, cutting the loan-to-deposit ratio to 78.63%.

Asset quality improved: the non-performing loan ratio declined 12 basis points to 1.53%, and the provision coverage ratio strengthened to 325.19%. Capital buffers remained solid with a core Tier 1 capital adequacy ratio of 12.42% and a total capital adequacy ratio of 13.61% versus 13.91% at end-2025. The leverage ratio stood at 8.12%.

By segment, corporate banking contributed 71.0% of operating income, retail banking 17.5%, and financial markets 11.5%. Geographic concentration remained in Sichuan Province, with 97.6% of loans booked locally.

Yibin Bank paid a final 2025 dividend of RMB 0.0356 per share (RMB 163.35 million total) on 25 August 2026 and declared no interim dividend for the period.

Management highlighted continued focus on supporting small and micro enterprises, enhancing asset quality, and maintaining prudent liquidity and capital positions amid evolving market conditions.