China Citic Bank said its profit rose 1.74 percent year on year in the first half.
Net profits hit 24.01 billion yuan (3.64 billion U.S. dollars) for the first six months. Sales revenue fell 2.08 percent to 76.58 billion yuan. Fee income increased 9.35 percent to 27.09 billion yuan.
Asset value fell 4.72 percent from a year ago to 5.65 trillion yuan by the end of June.
The outstanding bad loan increased 5.23 percent year on year while the non-performing loan ratio declined 0.04 percentage points to 1.65 percent.
Its capital adequacy ratio, a measure of a bank's capital, stood at 11.76 percent.