智通财经网·2025-08-26 14:10Core Insights - Chongqing Rural Commercial Bank reported a mid-term performance for the six months ending June 30, 2025, with operating income of 14.736 billion RMB, a year-on-year increase of 0.64% [1] - The net profit attributable to shareholders reached 7.699 billion RMB, reflecting a year-on-year growth of 4.63% [1] - Basic earnings per share stood at 0.67 RMB [1] Business Development - The bank's total assets amounted to 1.630571 trillion RMB, an increase of 115.189 billion RMB compared to the end of the previous year [1] - Total deposits reached 1.025195 trillion RMB, up by 83.249 billion RMB from the end of last year [1] - Loan balance was 765.245 billion RMB, increasing by 50.972 billion RMB compared to the end of the previous year [1] Loan Quality and Cost Control - The non-performing loan ratio was 1.17%, a decrease of 0.01 percentage points from the end of the previous year [1] - Capital adequacy ratio stood at 15.11%, with a provision coverage ratio of 355.58%, indicating strong risk absorption capacity [1] - The cost-to-income ratio was 26.59%, while the deposit interest rate was 1.52%, down by 27 basis points year-on-year [1] Market Positioning - The bank's market image has improved, being included in the CSI 300 Index for A-shares and the MSCI Index for H-shares [1] - It ranked 112th in the British magazine "The Banker" global bank ranking, an increase of 7 places from the end of the previous year, marking a historical high and leading among rural commercial banks and banks in the western region of China [1]