Chinabank’s net income up 10% to $116.8b in Q1 2025

Net interest income and total assets both grew double digits during the quarter.

China Banking Corporation (Chinabank) posted a net income of about $116.8b (PHP6.5b) in Q1 2025, a 10% increase compared to the same quarter in 2024.

Return on equity for the quarter is 15.1%, whilst return on assets is 1.6%, the Philippine bank posted at the Philippine Stock Exchange.

Net interest income rose 14% to $307.4b (PHP17.1b) on higher asset yields and loan volume, which offset increased interest expenses.

Net interest margin is 4.5%.

Total assets grew 10% to $30.55b (PHP1.7t) in Q1. Chinabank is the fourth largest private universal bank in the Philippines.

Gross loans rose 19% to $17.15b (PHP954b). Nonperforming loan (NPL) ratio is 1.5%, and NPL coverage is 112%, up from Q4 2024’s 108%.

Cash dividends are 14% higher, totalling $120.44m (PHP6.7b), a payout ratio of 27%.

CBC shareholders on record as of 9 May 2025 will receive PHP1.5 per common share regular dividend, and an additional PHP1 common share special dividend on 22 May 2025.

(US$1 = PHP55.63; as of 20 May 2025, Google)

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