Zhong Guo Jing Ji Wang·2025-08-27 23:35Core Viewpoint - Chongqing Bank reported a revenue of 7.659 billion yuan for the first half of 2025, marking a 7.00% increase year-on-year, alongside a net profit of 3.394 billion yuan, which is a 5.73% increase compared to the same period last year [1][3]. Financial Performance - In the first half of 2025, Chongqing Bank achieved an operating income of 7.659 billion yuan, a net profit of 3.394 billion yuan, and a net profit attributable to shareholders of 3.190 billion yuan, reflecting increases of 7.00%, 5.73%, and 5.39% respectively compared to the previous year [1][3][4]. - The bank's cash flow from operating activities was 40.094 billion yuan, a significant improvement from -37.914 billion yuan in the same period last year [4][8]. - Interest income for the first half of 2025 was 15.370 billion yuan, up 6.72% from the previous year, while interest expenses increased by 3.59% to 9.507 billion yuan [4]. Loan Quality - As of June 30, 2025, the non-performing loan (NPL) balance stood at 5.840 billion yuan, an increase of 377 million yuan from the end of the previous year, with an NPL ratio of 1.17%, down 0.08 percentage points [1][8][9]. - The real estate sector's NPL ratio reached 7.19%, the highest since the bank's listing in 2013 [1][9]. Capital Adequacy - As of June 30, 2025, Chongqing Bank's core Tier 1 capital adequacy ratio was 8.80%, down 1.08 percentage points from the end of the previous year, and the overall capital adequacy ratio was 12.93%, down 1.53 percentage points [10][11][12]. - These capital adequacy ratios are below the average levels for commercial banks in China, which reported a core Tier 1 capital adequacy ratio of 10.93% [11][12]. Business Segments - The personal banking segment reported a revenue of 1.297 billion yuan in the first half of 2025, down from 1.495 billion yuan in the same period last year, resulting in a pre-tax loss of 42.707 million yuan [7][8]. - The corporate banking segment generated a revenue of 5.752 billion yuan with a pre-tax profit of 3.751 billion yuan, showing growth compared to the previous year [8].