ABC released its unaudited 2026 interim results, reporting operating income of RMB411.12 billion, up 11.2% year-on-year, and net profit of RMB148.06 billion, a 5.8% rise from the prior-year period. Net profit attributable to equity holders reached RMB146.38 billion, while the annualised return on weighted average equity stood at 10.14% and annualised ROA at 0.59%.
\n\nTotal assets expanded 4.7% since end-2025 to RMB51.06 trillion, driven by a RMB1.69 trillion—or 6.2%—increase in loans and advances to customers, which closed at RMB28.82 trillion. Deposits from customers advanced 4.3% to RMB34.05 trillion, keeping the bank’s loan-to-deposit ratio at 79.79% for its County Area Banking Business and 79.79% overall.
\n\nNet interest income rose 10.5% to RMB312.24 billion, contributing 75.9% of total operating income. Net interest margin narrowed by 4 basis points year-on-year to 1.28%, while net fee and commission income slipped 8.7% to RMB46.96 billion, reflecting a high comparison base in 2025 that included one-off wealth management gains.
\n\nAsset quality remained stable. The non-performing loan ratio edged down 2 basis points from end-2025 to 1.25%, with allowance coverage at 290.10%—the highest among peer banks according to management. The capital adequacy ratio stood at 17.50%, Common Equity Tier 1 at 10.80% and Tier 1 at 12.59%, all above regulatory minima. The average liquidity coverage ratio for Q2-26 was 129.72%.
\n\nABC’s strategic focus on rural revitalisation and inclusive, green, and digital finance continued to underpin growth. County Area loans increased RMB981.5 billion to RMB11.9 trillion, representing 41.9% of total domestic loans, while green loans climbed 10.4% to RMB6.53 trillion. Inclusive finance loans rose 12.2% to RMB4.88 trillion, and loans to private enterprises grew by RMB636.3 billion to RMB8.20 trillion.
\n\nThe bank maintained Global Systemically Important Bank status for a 12th consecutive year and reported high credit ratings: S&P A/A-1, Moody’s A1/P-1 and Fitch A/F1+. Looking ahead to 2H26, ABC stated it will keep prioritising risk prevention, support for the real economy and further development in technology, green and inclusive finance while preserving stable asset quality and capital strength.