智通财经网·2025-08-22 10:04Core Insights - Chongqing Bank reported a steady growth in profitability, with operating income reaching 7.527 billion yuan, a year-on-year increase of 8.24%, and net profit of 3.394 billion yuan, up 5.73% [1] - The bank's total assets increased to 983.365 billion yuan, a rise of 126.723 billion yuan or 14.79% compared to the previous year [1] - The bank's non-performing loan ratio improved to 1.17%, a decrease of 0.08 percentage points from the previous year, indicating better asset quality [2] Financial Performance - Operating income for the six months ending June 30, 2025, was 7.527 billion yuan, reflecting an 8.24% increase year-on-year [1] - Net profit attributable to shareholders was 3.190 billion yuan, marking a 5.39% year-on-year growth [1] - Total loans amounted to 500.670 billion yuan, with an increase of 600.54 million yuan or 13.63% from the previous year [1] Asset and Liability Management - Total assets reached 983.365 billion yuan, up 126.723 billion yuan or 14.79% from the end of the previous year [1] - Total deposits increased to 544.136 billion yuan, a rise of 700.19 million yuan or 14.77% [1] - The proportion of general loans to total loans increased to 95.71%, up 2.02 percentage points from the previous year [1] Capital Management - The core tier 1 capital adequacy ratio stood at 8.80%, while the total capital adequacy ratio was 12.93%, meeting regulatory requirements [2] - The bank's capital strength remains robust, with a focus on improving capital utilization efficiency [2] Risk Management - The non-performing loan ratio decreased to 1.17%, down 0.08 percentage points from the previous year, indicating improved asset quality [2] - The coverage ratio for provisions increased to 248.27%, up 3.19 percentage points from the previous year, reflecting enhanced risk management practices [2]