Zhong Guo Jing Ji Wang·2025-09-03 08:11Core Viewpoint - Chongqing Rural Commercial Bank (渝农商行) reported a slight increase in revenue and net profit for the first half of 2025, but a significant decline in cash flow from operating activities [1][2]. Financial Performance - The bank achieved an operating income of 14.74 billion yuan, a year-on-year increase of 0.46% [1][2]. - Net profit reached 7.85 billion yuan, reflecting a growth of 3.79% compared to the previous year [1][2]. - The net profit attributable to shareholders was 7.70 billion yuan, up 4.63% year-on-year [1][2]. - Operating cash flow decreased significantly by 92.37%, amounting to 3.44 billion yuan [1][2]. Income Breakdown - Net interest income was reported at 11.74 billion yuan, an increase of 5.98% from the previous year [2]. - Non-interest income fell by 16.56% to 2.99 billion yuan, with fees and commissions down by 13.22% [2]. - Other non-interest income also decreased by 17.68% to 2.22 billion yuan [2]. Comparison with Peers - Beijing Rural Commercial Bank reported an operating income of 9.05 billion yuan for the same period, showing a growth rate of 8.43%, which is significantly higher than that of Chongqing Rural Commercial Bank [3]. - In 2024, Chongqing Rural Commercial Bank's revenue growth was 1.09%, while Beijing Rural Commercial Bank's was 18.09%, indicating a substantial difference in performance [3]. Management Changes - The bank's president, Sui Jun, has been acting as the chairman and legal representative since October 2024, following the departure of former chairman Xie Wenhui [3].