Bei Jing Shang Bao·2025-08-26 14:56Group 1: Financial Performance - As of the end of the reporting period, the total assets of Chongqing Rural Commercial Bank reached 1,630.131 billion yuan, an increase of 115.189 billion yuan compared to the end of the previous year [1] - The bank's operating income for the first half of 2025 was 14.741 billion yuan, an increase of 0.068 billion yuan, representing a growth rate of 0.46% year-on-year [3] - The net profit for the first half of 2025 was 7.847 billion yuan, an increase of 0.286 billion yuan, with a growth rate of 3.79% year-on-year [3] Group 2: Asset Quality and Capital Adequacy - The non-performing loan ratio stood at 1.17%, a decrease of 0.01 percentage points from the end of the previous year, indicating improved asset quality [1] - The capital adequacy ratio was reported at 15.11%, and the provision coverage ratio was 355.58%, demonstrating strong risk compensation capabilities [1] - The cost-to-income ratio was 26.58%, and the interest rate on deposits was 1.52%, which decreased by 27 basis points year-on-year [1] Group 3: Deposits and Loans - The deposit balance reached 1,025.195 billion yuan, an increase of 83.249 billion yuan compared to the end of the previous year [1] - The loan balance was 765.245 billion yuan, reflecting an increase of 50.972 billion yuan from the previous year [1]