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China Merchants Bank (CIHKY)
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China Merchants Bank (CIHKY) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Mar 23, 2026
TBA (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
Last Year’s EPS
0.97
Same Quarter Last Year
Moderate Buy
Based on 0 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 29, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
The earnings call presents a balanced view with stable core profit indicators, strong growth in wealth management and corporate loans, and stable asset quality as highlights. However, challenges remain with decreasing net operating income, pressure on NIM due to weak retail loan demand, and declining payment-related income.
Company Guidance
In the recent call, China Merchants Bank provided detailed guidance on its financial performance for the first three quarters of 2025. The bank reported a net operating income of RMB 251.28 billion, a slight year-on-year decrease of 0.52%, while net profit attributable to shareholders increased by 0.52% to RMB 113.7 billion. Key financial metrics, such as return on average assets (ROAA) and return on average equity (ROAE), were reported at 1.22% and 13.96%, respectively. The bank maintained a cost-to-income ratio of 29.86% and a total capital ratio of 17.59%. Total assets increased to RMB 12.64 trillion, with total customer deposits reaching RMB 9.52 trillion. Despite a challenging environment, the bank's net interest income rose by 1.74% to RMB 160.04 billion, although the net interest margin (NIM) decreased by 12 basis points year-on-year. The wealth management business showed strong growth, with retail assets under management rising to RMB 16.6 trillion, a growth rate of 11%. The bank's asset quality remained stable, with a non-performing loan (NPL) ratio of 0.94%, supported by an allowance coverage ratio of 405.93%. Looking ahead, the bank plans to continue its transformation into an international, comprehensive, and intelligent institution, aligning with China's national development plans.
Stable Core Profit Indicators
The group's net operating income was RMB 251.28 billion, a year-on-year decrease of 0.52%, with the decrease narrowed by 1.21 percentage points compared with the first half. Net profit attributable to the bank's shareholder was RMB 113.7 billion, year-on-year increase of 0.52%, up by 0.27 percentage points compared with the first half.
Wealth Management Business Growth
The bank's wealth management business showed good growth momentum with net fee and commission income recording positive year-on-year growth for the first time in 3 years. Retail AUM was RMB 16.6 trillion, up by RMB 1.67 trillion compared with the end of last year, a growth rate of 11%. Wealth management fee and commission income was RMB 20.67 billion, up by 18%, a faster growth than the first half.
Corporate Loan Growth
Corporate loan RMB 3.15 trillion, up by 10.01% compared with last year-end, indicating strong growth in this segment.
Stable Asset Quality
The NPL ratio was 0.94%, down by 0.01 percentage points. The NPL in the property and manufacturing sectors were 4.24% and 0.45%, down by 0.5 and 0.05 percentage points, respectively.

China Merchants Bank (CIHKY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

CIHKY Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Mar 23, 2026
2025 (Q4)
- / -
0.971
Oct 29, 2025
2025 (Q3)
- / 1.08
1.0631.22% (+0.01)
Aug 29, 2025
2025 (Q2)
- / 1.03
1.0042.79% (+0.03)
Apr 29, 2025
2025 (Q1)
- / 1.02
1.05-3.24% (-0.03)
Mar 25, 2025
2024 (Q4)
- / 0.97
0.8978.25% (+0.07)
Oct 29, 2024
2024 (Q3)
- / 1.06
Aug 29, 2024
2024 (Q2)
- / 1.00
Apr 29, 2024
2024 (Q1)
- / 1.05
1.125-6.67% (-0.07)
Mar 25, 2024
2023 (Q4)
- / 0.90
0.8663.58% (+0.03)
Oct 27, 2023
2023 (Q3)
- / -
1.085
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

CIHKY Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 29, 2025
$32.05$32.04-0.03%
Aug 29, 2025
$30.76$30.79+0.10%
Apr 29, 2025
$27.86$27.73-0.47%
Mar 25, 2025
$30.38$30.06-1.05%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does China Merchants Bank (CIHKY) report earnings?
China Merchants Bank (CIHKY) is schdueled to report earning on Mar 23, 2026, TBA (Confirmed).
    What is China Merchants Bank (CIHKY) earnings time?
    China Merchants Bank (CIHKY) earnings time is at Mar 23, 2026, TBA (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is CIHKY EPS forecast?
          Currently, no data Available
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