格隆汇9月5日丨重庆银行(601963.SH)公布，近日，本行收到重庆水投集团发来的《关于减持股份结果 的告知函》。重庆水投集团根据重庆市国有资产监督管理委员会相关批复文件，于2025年9月3日通过大 宗交易方式以10.70元/股的价格转让本行A股股份5200万股，占本行总股本的1.50%，本次股份转让计划 已实施完成。重庆水投集团持有本行股份总数由295,335,802股减少至243,335,802股，持股比例由8.50% 降至7.00%，权益变动触及1%刻度。 ...

Investment Rating - The report maintains a positive outlook on the banking sector's allocation value, suggesting continued investment interest in the sector [4][10]. Core Viewpoints - The performance of listed banks in the first half of 2025 shows a marginal improvement in revenue and profit margins, with year-on-year growth of 1.0% in revenue and 0.8% in net profit attributable to shareholders [4][5]. - The recovery in the bond market during the second quarter has alleviated some of the pressures on bond investment returns, contributing to the overall performance improvement [4][5]. - The report anticipates that the banking sector's revenue and net profit growth will remain around 1% year-on-year for 2025, despite ongoing pressures on the banking fundamentals [4][10]. Summary by Sections Performance Overview - In the first half of 2025, listed banks experienced a year-on-year revenue growth of 1.0% and a net profit growth of 0.8%, with quarter-on-quarter improvements of 2.8 percentage points and 2 percentage points respectively [4][5]. - The growth in interest-earning assets was 9.7% year-on-year, with a stable credit growth of 8% and a significant increase in financial investments by 14.9% [4][11]. - The net interest margin for the first half of 2025 was 1.33%, showing a year-on-year decline of 13 basis points, which is less than the decline seen in the same period last year [4][5]. Non-Interest Income - Non-interest income showed a positive trend, with a year-on-year increase of 10.8% in other non-interest income and a 3.1% increase in fee income [4][5][10]. - The report highlights that the recovery in the capital market has contributed to the improvement in non-interest income [4][10]. Asset Quality - The report notes that while the non-performing loan ratio remains stable, there is an increase in the generation rate of overdue and non-performing loans, particularly in retail banking [4][10]. - The provision coverage ratio remained stable, with an increase in provisioning efforts during the first half of 2025 [4][10]. Future Outlook - The banking sector is expected to face continued pressure in 2025, but signs of a potential turning point are emerging, with improved net interest margins and non-interest income [4][10]. - The report suggests that the demand for bank stocks will increase from long-term funds, driven by favorable policies encouraging investment in the banking sector [4][10].

Group 1 - The city commercial bank sector experienced a decline of 0.37% on September 5, with Chongqing Bank leading the drop [1] - The Shanghai Composite Index closed at 3812.51, up 1.24%, while the Shenzhen Component Index closed at 12590.56, up 3.89% [1] - Key individual stock performances in the city commercial bank sector included Ningbo Bank rising by 1.74% and Chongqing Bank falling by 1.34% [1][2] Group 2 - The net outflow of main funds from the city commercial bank sector was 287 million yuan, while retail investors saw a net inflow of 141 million yuan [2] - The trading volume for Chongqing Bank was 107,400 shares, with a transaction amount of 103 million yuan [2] - The overall trading activity showed a mixed trend, with some banks experiencing slight declines while others saw minor gains [1][2]

Group 1 - Agricultural Bank of China fell over 3% [1] - Postal Savings Bank, Jiangyin Bank, Citic Bank, and Huaxia Bank all dropped over 2% [1] - Bank of China, China Construction Bank, and Chongqing Bank also experienced declines [1]

重庆银行手机银行、网上银行、自助设备等渠道7*24小时为您提供服务。请您根据自身的业务需要，提 前做好安排。如有疑问，请致电重庆银行客服热线电话。 2025年9月5日，重庆银行（601963）发布公告称，您好！非常感谢您长期对重庆银行的支持和信任。根 据重庆市银行业协会《关于进一步促进基层营业网点转型发展提升文明规范服务质效的通知》（渝银协 【2025】8号）工作要求，重庆银行将于2025年9月15日起，调整重庆银行部分营业网点对外营业时间。 ...

Core Viewpoint - The A-share market experienced a widespread decline in bank stocks, with several major banks seeing significant drops in their share prices [1][2]. Group 1: Stock Performance - Postal Savings Bank of China saw a decrease of 2.03%, with a total market capitalization of 751.8 billion [2]. - CITIC Bank's shares fell by 2.00%, with a market value of 437.4 billion [2]. - Bank of China experienced a decline of 1.60%, with a market capitalization of 1.7818 trillion [2]. - Agricultural Bank of China dropped by 1.46%, holding a market value of 2.5934 trillion [2]. - Other banks such as Everbright Bank, Construction Bank, and Shanghai Pudong Development Bank also reported declines of over 1% [1]. Group 2: Year-to-Date Performance - Agricultural Bank of China has the highest year-to-date increase at 45.00% [2]. - Postal Savings Bank of China and CITIC Bank have year-to-date increases of 15.63% and 14.78%, respectively [2]. - Shanghai Pudong Development Bank has a notable year-to-date increase of 36.48% despite the recent decline [2].

Core Insights - The article discusses the performance of Chengdu Bank and Chongqing Bank in the first half of 2025, highlighting their competitive positions in the Southwest region of China [2][9] - Chengdu Bank maintains its status as the only city commercial bank in Southwest China with total assets exceeding 1 trillion yuan, while Chongqing Bank shows rapid growth in asset scale and revenue [3][9] Asset Scale - As of June 30, 2025, Chengdu Bank's total assets reached 1.37 trillion yuan, a year-on-year increase of 9.77%, solidifying its position as the largest city commercial bank in the Southwest [3] - Chongqing Bank's total assets amounted to 983.37 billion yuan, with a significant increase of 14.79% year-on-year, indicating strong growth momentum [3][9] Revenue and Profitability - Chengdu Bank reported revenue of 12.27 billion yuan, a 5.91% increase year-on-year, and a net profit of 6.617 billion yuan, up 7.29% [4] - Chongqing Bank achieved revenue of 7.659 billion yuan, a 7% increase, and a net profit of 3.19 billion yuan, growing by 5.39% [4][5] - Both banks face challenges in revenue structure, particularly in the transformation of intermediary businesses [4][5] Business Layout - Chengdu Bank focuses heavily on corporate business, with corporate loans and advances totaling 689.64 billion yuan, a 14.44% increase, and infrastructure loans making up 67.81% of corporate loans [6] - Chongqing Bank actively supports regional projects, providing nearly 140 billion yuan in credit support and increasing its corporate loan average balance by 821.49 billion yuan [7] Risk Management - Chengdu Bank maintains a low non-performing loan (NPL) ratio of 0.66% and a robust provision coverage ratio of 452.65% [8] - Chongqing Bank's NPL ratio improved to 1.17%, with a provision coverage ratio of 248.27%, indicating ongoing asset quality enhancement [8][9] - Both banks show varying capital adequacy ratios, with Chengdu Bank's core tier one capital ratio at 8.61% and Chongqing Bank's at 8.8%, both experiencing declines [8][9] Future Outlook - Analysts suggest that the bank that can optimize its business structure and enhance its intermediary and retail business will have a better chance of claiming the title of "King of Southwest" [10]

Group 1: Overall Asset Quality - As of August 31, 2023, the asset quality of 42 listed banks in A-shares shows a stable improvement, with some banks experiencing a slight increase in non-performing loan (NPL) ratios compared to the end of the previous year [1] - The overall NPL ratio for commercial banks was 1.49% at the end of Q2 2023, improving by 0.02 percentage points from the end of Q1 [3] - The provision coverage ratio for state-owned banks and rural commercial banks increased to 249.16% and 161.87%, respectively, while the ratios for joint-stock banks and city commercial banks decreased [4] Group 2: Non-Performing Loan Trends - The NPL ratio for corporate loans is improving, while the NPL ratio for retail loans is on the rise, indicating a structural change in asset quality [5][6] - For example, Industrial and Commercial Bank of China (ICBC) reported a decrease in corporate loan NPL ratio from 1.58% to 1.47%, while the personal loan NPL ratio increased from 1.15% to 1.35% [5] - The rise in retail loan NPLs is attributed to factors such as market conditions, increased flexible employment, and changes in industry environments affecting borrower income [6] Group 3: Real Estate Loan Performance - The real estate sector remains a significant source of NPLs, with some banks reporting an increase in real estate loan NPL ratios, while others have seen improvements [7][8] - For instance, Qingnong Commercial Bank's real estate NPL ratio rose to 21.32%, an increase of 14.15 percentage points from the end of the previous year [7] - The overall decline in real estate sales and the high leverage of real estate companies are fundamental reasons for the rising NPL ratios in this sector [8]

9月4日，据重庆银行披露，该行发行的长江·聚惠公募净值型点金产品2025年第10期募集期为2025年9月 4日到2025年9月11日。计划发行量5亿元，投资者认购起点金额为1万元。产品类型为固定收益类，风险 评级为中低风险，期限为739天，业绩比较基准为2.25%～3.05%（年化）。 以上理财产品信息仅供参考，具体应以《产品说明书》等销售文件为准。本文不构成任何投资建议，投 资者据此操作，风险自担。 （重庆银行） 注：业绩比较基准不是预期收益率，不代表产品的未来表现和实际收益，不构成对产品收益的承诺。 ...

Group 1 - The city commercial bank sector saw a slight increase of 0.14% on September 4, with Qingdao Bank leading the gains [1] - The Shanghai Composite Index closed at 3765.88, down 1.25%, while the Shenzhen Component Index closed at 12118.7, down 2.83% [1] - Key stocks in the city commercial bank sector showed varied performance, with Qingdao Bank closing at 5.26, up 0.96%, and Xiamen Bank at 6.56, up 0.77% [1] Group 2 - The city commercial bank sector experienced a net inflow of 1.04 billion yuan from institutional investors, while retail investors contributed a net inflow of 1.27 billion yuan [2] - The sector saw a net outflow of 2.31 billion yuan from speculative funds [2] - Individual stock performance varied, with Beijing Bank showing a net inflow of 1.52 million yuan from institutional investors, while Xiamen Bank had a net outflow of 730.79 million yuan [3]