Zheng Quan Zhi Xing·2025-08-26 14:12Core Viewpoint - Chongqing Rural Commercial Bank reported a stable performance with a slight increase in net profit and total assets, while facing challenges in non-interest income and maintaining a strong capital adequacy ratio [9][10]. Financial Performance - Net interest income reached RMB 11,744 million, a year-on-year increase of 5.98% [9] - Non-interest income was RMB 2,996.7 million, down 16.56% compared to the previous year [9] - Total operating income was RMB 14,740.7 million, showing a slight increase of 0.46% [9] - Net profit amounted to RMB 7,846.9 million, reflecting a growth of 3.79% year-on-year [9] Asset and Liability Management - Total assets reached RMB 1,630,130.9 million, an increase of 7.60% from the previous year [2] - Customer loans and advances stood at RMB 765,245 million, up 7.14% [2] - Total liabilities were RMB 1,491,275.4 million, reflecting a growth of 7.96% [2] Capital Adequacy and Risk Management - Capital adequacy ratio was reported at 15.11%, indicating a strong capital position [9] - Provision coverage ratio was 355.58%, demonstrating robust risk mitigation capabilities [3] - Non-performing loan ratio was 1.17%, slightly improved from the previous year [2] Market Position and Strategic Initiatives - The bank's market image improved, being included in the CSI 300 Index and MSCI Index, ranking 112th globally according to The Banker [9] - The bank aims to enhance its digital financial services and support rural revitalization, with nearly 70% of its workforce dedicated to this initiative [10] - Focus on developing green finance and supporting small and micro enterprises, with a loan balance of RMB 1,478.46 million for small enterprises [10] Shareholder Information - The total number of shareholders reached 125,825 as of July 31, 2025, with a majority being A-shareholders [4] - Major shareholders include state-owned enterprises and investment groups, indicating a stable ownership structure [6][7]