渝农商行2025年上半年归母净利润同比增长4.63%至76.99亿元

Core Viewpoint - The report from Chongqing Rural Commercial Bank (渝农商行) indicates stable growth in revenue and profit for the first half of 2025, with a focus on supporting rural and local economies through various financial services [1][2]. Financial Performance - The bank achieved an operating income of 14.741 billion yuan, a year-on-year increase of 0.46% [1] - The net profit attributable to shareholders reached 7.699 billion yuan, up 4.63% year-on-year [1] - Total assets amounted to 1.630131 trillion yuan, an increase of 115.189 billion yuan from the end of the previous year [1] - Deposit balance was 1.025195 trillion yuan, growing by 83.249 billion yuan [1] - Loan balance stood at 765.245 billion yuan, an increase of 50.972 billion yuan [1] Asset Quality - 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 was 15.11% [1] - Provision coverage ratio was 355.58% [1] - Cost-to-income ratio was 26.58% [1] - Interest rate on deposits was 1.52%, down 27 basis points year-on-year [1] Support for Local Economy - The bank maintains a leading position in rural finance, with nearly 70% of personnel and 80% of outlets focused on rural areas [1] - Agricultural loan balance reached 260.218 billion yuan, with a leading market share in Chongqing [1] Strategic Initiatives - The bank is accelerating urban development efforts, with technology loan balance at 99.805 billion yuan [2] - Green credit balance reached 80.219 billion yuan, increasing by 12.466 billion yuan [2] - Inclusive finance initiatives include credit card and consumer loan balances exceeding 150 billion yuan, leading in Chongqing [2] - Loans for small and micro enterprises totaled 147.846 billion yuan [2] - The bank supports key projects in the Chengdu-Chongqing economic circle with a loan balance of 26.822 billion yuan [2] - Financing for the New International Land-Sea Trade Corridor reached 58.725 billion yuan, an increase of 4.169 billion yuan [2]