Cai Jing Wang·2025-08-27 01:01Core Insights - The core viewpoint of the article is the financial performance of Chongqing Rural Commercial Bank in the first half of 2025, highlighting growth in revenue and net profit along with improvements in asset quality and capital adequacy [1] Financial Performance - In the first half of 2025, the bank achieved an operating income of 14.741 billion yuan, and a net profit of 7.847 billion yuan, representing year-on-year growth of 0.46% and 3.79% respectively [1] - The net profit attributable to shareholders was 7.699 billion yuan, an increase of 341 million yuan, with a growth rate of 4.63% [1] Asset and Deposit Growth - As of the end of the first half, the total assets of the bank reached 1.63 trillion yuan, an increase of 115.189 billion yuan compared to the end of the previous year [1] - The deposit balance stood at 1.03 trillion yuan, reflecting a growth of 83.249 billion yuan from the end of the previous year [1] - The loan balance was 765.245 billion yuan, which increased by 50.972 billion yuan compared to the end of the previous year [1] Loan Quality and Capital Adequacy - The bank's non-performing loan ratio was 1.17%, a decrease of 0.01 percentage points from the end of the previous year, indicating improved loan quality [1] - The capital adequacy ratio was reported at 15.11%, and the provision coverage ratio was 355.58%, demonstrating strong risk absorption capacity [1] Cost Management - The cost-to-income ratio was 26.58%, while the deposit interest rate was 1.52%, which decreased by 27 basis points year-on-year, indicating effective cost control measures [1]