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Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. China Banking's net interest income for the
three
months ended in Mar. 2026 was ₱19,498 Mil. Its net interest income for the trailing twelve months (TTM) ended in Mar. 2026 was ₱74,963 Mil.
The historical data trend for China Banking's Net Interest Income can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.
Net Interest Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱74,963 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Net Interest Income of ₱74,963 Mil mean?
China Banking (PHS:CBC) has a Net Interest Income of ₱74,963 Mil as of Mar. 2026.
Is China Banking's Net Interest Income too high?
China Banking's current Net Interest Income is ₱74,963 Mil. Overall, China Banking has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Banking's Net Interest Income compare to competitors?
China Banking's Net Interest Income of ₱74,963 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. China Banking's current Net Interest Income is ₱74,963 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Banking stock overvalued right now?
Based on GuruFocus' analysis, China Banking (PHS:CBC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱59.35, compared to a current price of ₱53.55 — trading 9.8% below its estimated fair value. The current Net Interest Income is ₱74,963 Mil. China Banking's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For China Banking (PHS:CBC), the current Net Interest Income is ₱74,963 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is China Banking (PHS:CBC) Overvalued in 2026?
Based on GuruFocus' analysis, China Banking stock appears to be undervalued.
The current stock price of ₱53.55 is trading 9.8% below its estimated GF Value™ of ₱59.35.
GuruFocus considers China Banking to be Modestly Undervalued.
Key valuation signals for PHS:CBC:
Net Interest Income: ₱74,963 Mil
GF Value™: ₱59.35 vs. price of ₱53.55 (9.8% below fair value)
No single metric tells the full story. See the PHS:CBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Banking Corp is a commercial bank engaged in corporate and SME lending, retail loans including mortgage and auto loans, treasury and foreign exchange trading, trust and investment management, wealth management, cash management, and insurance products. The group's five business segments, namely, Institutional Banking, Consumer Banking, Retail Banking Business, Financial Markets, and Others, which include credit management, thrift banking business, operations and financial control, and other support services. The majority of the company's revenue comes from the Retail Banking Business.
60GF Score
Get the complete analysis for PHS:CBC
Net Interest Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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