China Everbright Bank (CEB BANK) released its 2025 Sustainability Report, detailing both financial and ESG performance for the year ended 31 December 2025.
Financial highlights • Total assets reached RMB 7.17 trillion, up from RMB 6.77 trillion a year earlier. • Operating income stood at RMB 126.46 billion. • Net profit came in at RMB 39.14 billion, of which RMB 38.83 billion was attributable to shareholders. • The non-performing loan ratio was 1.27%, while provision coverage improved to 174.14%.
Balance-sheet structure and real-economy support • Inclusive loans to micro and small enterprises rose to RMB 462.81 billion, a 6.20% increase year-on-year. • Agriculture-related lending totalled RMB 347.16 billion. • Medium- and long-term loans to manufacturing companies reached RMB 338.10 billion.
Green finance acceleration • Green loan balances expanded 13.57% to RMB 469.08 billion, taking the share of green credit to 11.68% of the total loan book. • The bank underwrote 35 green bonds for 23 issuers, raising RMB 10.43 billion and enabling RMB 109.40 billion of direct corporate financing. • Cumulative disbursement via PBoC carbon-reduction support tools hit RMB 2.72 billion, expected to cut 1.55 million tCO2e.
Climate and operational footprint • Scope 1 and 2 greenhouse-gas emissions fell to 31,822 tCO2e, a 34.2% reduction from 2024. • Total energy consumption declined to 68,024.59 MWh; the paperless processing rate at counters reached 90%.
Governance and risk management • The board reviewed 45 ESG-related proposals during the year; 100% of directors and senior management completed anti-corruption training. • A three-line-of-defence risk framework underpinned ESG and climate-risk assessments, with 473 clients triggering real-time ESG early-warning signals.
Human-capital development • Headcount totalled 48,483, with women representing 57%. • All employees received consumer-protection and anti-corruption training; volunteer service hours reached 534.61.
Community and social impact • External donations amounted to RMB 17.37 million. • Financial-education campaigns were staged 46,000 times, reaching 605 million person-times nationwide. • The bank’s “Cloud Fee Payment” platform processed 3.67 billion public-service transactions during the year.
Outlook commentary from management Chairman Wu Lijun and President Hao Cheng highlighted the bank’s commitment to “serving national strategies, supporting the real economy and improving social well-being,” with continued emphasis on technology finance, green finance, inclusive finance, pension finance and digital transformation as CEB BANK embarks on the 15th Five-Year Plan period.
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