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Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
China Merchants Bank
China Merchants Bank (3968) investor relations material
China Merchants Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary28 Apr, 2026
Executive summary
Achieved stable growth in Q1 2026 with revenue of RMB 86.94 billion, up 3.81% year-over-year, and net profit attributable to shareholders of RMB 37.85 billion, up 1.52%.
Total assets reached RMB 13.48 trillion, up 3.17% from year-end 2025; loans and advances grew 2.84%.
Asset quality remained stable with a non-performing loan (NPL) ratio of 0.94%, unchanged from year-end.
Allowance coverage ratio at 387.76%, allowance-to-loan ratio at 3.63%.
Financial highlights
Net interest income was RMB 55.64 billion, up 4.99% year-over-year; net fee and commission income was RMB 20.66 billion, up 4.87%.
Non-interest net income reached RMB 31.31 billion, up 1.87%.
Cost-to-income ratio improved to 28.46%, down 0.19 percentage points year-over-year.
Credit impairment losses increased 15.65% to RMB 14.85 billion.
Operating cash flow was RMB 125.85 billion, up 32.44% year-over-year.
Outlook and guidance
Will continue to focus on high-quality growth, risk management, and supporting real economy, especially in real estate and retail sectors.
Plans to strengthen asset quality controls and maintain stable capital adequacy.
Will closely monitor retail and credit card risks and maintain strict classification and disposal of non-performing assets.
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Latest events from China Merchants Bank
- Net profit up 1.21% to RMB150.2bn, NPL ratio at 0.94%, and strong capital adequacy.3968
Q4 20258 Apr 2026 - Net profit up 0.52% to CNY 113.77B, asset quality stable, and assets grew 4.05%.3968Q3 20253 Feb 2026
- H1 2024 net profit fell 1.33% YoY; asset quality stable, digital and retail growth strong.3968Q2 202422 Jan 2026
- Net profit fell 0.62% as assets and capital strength grew, with stable asset quality.3968Q3 202417 Jan 2026
- Net profit grew 0.25% to RMB74.93bn, with stable asset quality and robust capital ratios.3968Q2 20257 Jan 2026
- Net profit rose 1.22% on robust asset growth, stable asset quality, and strong capital ratios.3968Q4 20243 Dec 2025
- Q1 2025 net profit fell 2.08% YoY, but asset quality and capital ratios remained robust.3968Q1 20253 Dec 2025
Next China Merchants Bank earnings date
Q2 202628 Aug, 2026
China Merchants Bank
Next China Merchants Bank earnings date
Q2 202628 Aug, 2026
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Eferix Drawings Google Play
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Amina0781App Store
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@theshortbearx.com
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