Financial highlights, results announcements, regulatory disclosures and governance documents for China Everbright Bank (Europe) S.A. and its listed parent, in one place.
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Operating income | 2.95 | 3.89 | 8.00 | 4.46 | 4.55 |
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Profit for the financial year | 0.11 | 1.06 | 4.75 | 1.16 | 1.77 |
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Net fee and commission income | 2.35 | 3.04 | 6.25 | 2.68 | 3.68 |
| Net interest income | 0.37 | 0.46 | 1.62 | 0.88 | 0.87 |
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Cost-to-income ratio | 94.1 | 70.4 | 31.8 | 58.4 | 48.3 |
| Return on equity | 0.8 | 7.5 | 27.0 | 5.6 | 8.3 |
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Return on assets | 0.07 | 1.02 | 2.55 | 0.78 | 1.69 |
| Series | Share |
|---|---|
| Net fee and commission income | 77.6% |
| Net interest income | 18.2% |
| Other operating income | 4.2% |
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Total assets | 152.0 | 103.8 | 186.0 | 149.1 | 104.7 |
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Loans and advances to customers | 104.9 | 81.8 | 86.1 | 78.9 | 56.5 |
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Amounts owed to credit institutions | 136.0 | 87.5 | 163.8 | 126.9 | 78.3 |
| Shareholders' equity | 13.6 | 14.6 | 20.5 | 20.5 | 22.4 |
| Series | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|
| Equity / total assets | 8.9 | 14.1 | 11.0 | 13.8 | 21.4 |
| Series | Share |
|---|---|
| Loans and advances to customers | 54.0% |
| Loans and advances to credit institutions | 21.1% |
| Debt securities | 14.8% |
| Cash and balances with central banks | 7.2% |
| Tangible assets | 2.8% |
| Series | Share |
|---|---|
| Amounts owed to credit institutions | 74.8% |
| Shareholders' equity | 21.4% |
| Other liabilities, accruals and provisions | 3.9% |
Every figure above is taken from the annual accounts of China Everbright Bank (Europe) S.A. for the financial years 2021 to 2025, audited by the Bank’s réviseur d’entreprises agréé and filed with the Registre de Commerce et des Sociétés (RCS B 213668). Operating income is the sum of net interest income, net fee and commission income, the result on financial operations and other operating income; operating expenses are general administrative expenses plus depreciation. The accounts disclose no risk-weighted assets, non-performing exposures or liquidity ratios, so no capital, asset-quality or liquidity ratio is presented. The filed statements, downloadable in full from the report library, prevail.
| Financial year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Balance sheet at 31 December — EUR million | |||||
| Total assets | 152.0 | 103.8 | 186.0 | 149.1 | 104.7 |
| Loans and advances to customers | 104.9 | 81.8 | 86.1 | 78.9 | 56.5 |
| Debt securities and other fixed-income securities | 10.8 | 11.4 | 49.6 | 43.3 | 15.5 |
| Loans and advances to credit institutions | 3.7 | 5.7 | 36.4 | 1.7 | 22.1 |
| Cash and balances with central banks | 31.0 | 3.7 | 13.0 | 24.8 | 7.6 |
| Amounts owed to credit institutions | 136.0 | 87.5 | 163.8 | 126.9 | 78.3 |
| Shareholders’ equity | 13.6 | 14.6 | 20.5 | 20.5 | 22.4 |
| Subscribed capital, fully paid up | 20.0 | 20.0 | 20.0 | 20.0 | 20.0 |
| Guarantees issued to customers, off-balance sheet (Note 15) | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
| Profit and loss account — EUR million | |||||
| Net interest income | 0.37 | 0.46 | 1.62 | 0.88 | 0.87 |
| Net fee and commission income | 2.35 | 3.04 | 6.25 | 2.68 | 3.68 |
| Result on financial operations | 0.21 | 0.26 | 0.11 | 0.89 | -0.19 |
| Other operating income | 0.02 | 0.13 | 0.02 | 0.00 | 0.20 |
| Operating income | 2.95 | 3.89 | 8.00 | 4.46 | 4.55 |
| Administrative expenses and depreciation | 2.78 | 2.74 | 2.54 | 2.60 | 2.20 |
| Net value adjustments, write-back positive | 0.00 | -0.03 | -0.28 | -0.15 | 0.27 |
| Profit before tax | 0.18 | 1.12 | 5.18 | 1.71 | 2.62 |
| Profit for the financial year | 0.11 | 1.06 | 4.75 | 1.16 | 1.77 |
| Ratios and staff | |||||
| Cost-to-income ratio (%) | 94.1 | 70.4 | 31.8 | 58.4 | 48.3 |
| Return on average shareholders’ equity (%) | 0.8 | 7.5 | 27.0 | 5.6 | 8.3 |
| Return on assets (%) | 0.07 | 1.02 | 2.55 | 0.78 | 1.69 |
| Shareholders’ equity / total assets (%) | 8.9 | 14.1 | 11.0 | 13.8 | 21.4 |
| Loans and advances / total assets (%) | 69.0 | 78.8 | 46.3 | 52.9 | 54.0 |
| Average staff during the year (full-time equivalent) | 5.8 | 5.8 | 5.5 | 6.0 | 6.0 |
| Extracted from the annual accounts of China Everbright Bank (Europe) S.A. for the financial years 2021 to 2025, audited by the Bank’s réviseur d’entreprises agréé and filed with the Registre de Commerce et des Sociétés (RCS B 213668). Operating income is net interest income plus net fee and commission income plus the result on financial operations plus other operating income; profit before tax is operating income less administrative expenses and depreciation, adjusted for net value adjustments on loans and securities. Return on assets is profit for the year over total assets at the balance-sheet date, as disclosed in the accounts. Guarantees issued are the notional amount of the financial guarantees granted to customers and disclosed as contingent liabilities in Note 15; at 31 December 2025 they are counter-guaranteed in full by China Everbright Bank Co., Ltd., the sole shareholder. The filed statements prevail. | |||||
Governance arrangements follow the CSSF circulars on internal governance for credit institutions, the EBA guidelines on internal governance, and the group standards of China Everbright Bank Co., Ltd.
A two-tier framework combining the Board of Directors with an Authorised Management committee, as required for Luxembourg credit institutions.
PDF · 2 pp · 21 KBAudit Committee, Risk Committee, Remuneration Committee and Nomination Committee, each chaired by an independent non-executive director.
PDF · 2 pp · 21 KBConstitutional documents filed with the Luxembourg Registre de Commerce et des Sociétés under number B213668.
PDF · 2 pp · 21 KBMeasurable objectives for gender, nationality, professional background and tenure, reviewed annually by the Nomination Committee.
PDF · 2 pp · 21 KBSelection criteria, fit-and-proper assessment and the CSSF approval process applied to every Board appointment.
PDF · 2 pp · 21 KBIndependence criteria, annual confirmation process and the role of INEDs in challenging management.
PDF · 2 pp · 21 KBAnnual self-assessment of the Board, its committees and individual directors, with periodic external review.
PDF · 2 pp · 21 KBConsolidated group entities, representative offices and the passported branch network within the EEA.
PDF · 2 pp · 21 KBInstitutional investors, debt analysts and rating agencies can reach the Investor Relations team directly. Media enquiries are handled by Corporate Communications.
investors@cebbank.eu
+352 27 00 28 14
10, Avenue Emile Reuter, L-2420 Luxembourg
media@cebbank.eu
+352 27 00 28 09
Important: the financial figures, share data and calendar dates on this page do not constitute published financial statements, an offer of securities, or investment advice. Audited statements filed with the CSSF and the Registre de Commerce et des Sociétés, and announcements released through the relevant exchanges, are the only authoritative sources. Image credits & licences →
