China Everbright Bank stock rises 1.00 percent as H1 profit falls 23.86 percent

Published on 10/07/2026 at 10:20 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Six-month operating income reached RMB 63.108 billion as net profit fell 23.86 percent year over year. A Neutral view from 7 analysts sets a CNY 3.41 average target.

China Everbright Bank, CNE100000SL4, Illustration mit AI erstellt.

China Everbright Bank (ISIN CNE100000SL4) was last at CNY 3.04 on the Shanghai Stock Exchange on September 30, 2026 at 3:00 p.m. CST, up 1.00 percent for the session. The market figure contrasts with a sharp decline in first-half profitability, making the bank's asset quality and capital position central for investors.

First-half profit falls 23.86 percent

According to Futubull on September 30, 2026, China Everbright Bank reported first-half operating income of RMB 63.108 billion, down 4.31 percent from the prior-year period. Net profit fell 23.86 percent to RMB 18.838 billion, while basic earnings per share declined to RMB 0.28 from RMB 0.38.

The underlying mix was uneven. Net interest income increased 3.17 percent to RMB 46.871 billion, but net fee and commission income fell 7.34 percent to RMB 9.676 billion. Asset impairment losses rose 31.25 percent to RMB 20.886 billion, pointing to credit costs as the key counterweight to improved funding conditions.

Credit quality becomes the test

The same interim report placed the non-performing loan ratio at 1.44 percent at June 30, 2026, up 0.17 percentage points from the start of the year. The provision coverage ratio fell 24.12 percentage points to 150.02 percent, while the core Tier 1 capital ratio stood at 9.67 percent.

Loan and deposit growth remained positive in the period. Loans and advances increased 2.21 percent to RMB 4,068.283 billion, and deposits rose 2.20 percent to RMB 4,192.705 billion. That combination supports balance-sheet expansion, but the rise in non-performing loans and provisions leaves profitability more sensitive to credit losses.

Analysts see limited upside

The 12-month consensus published by Investing.com is Neutral, based on 7 analysts. The average target is CNY 3.41, with a high of CNY 4.25 and a low of CNY 2.56; compared with the CNY 3.04 market price, the average target lies 12.17 percent above the price.

Barron's lists November 4, 2026 as the reporting date for third-quarter results. That date gives investors the next formal checkpoint for whether the first-half deterioration in earnings and credit metrics is stabilizing.

China Everbright Bank stock stays near CNY 3

China Everbright Bank stock was last at CNY 3.04 on the Shanghai Stock Exchange on September 30, 2026 at 3:00 p.m. CST. The 52-week range was CNY 2.87 to CNY 3.72, while market capitalization stood at CNY 179.6 billion.