Nan Fang Du Shi Bao·2025-10-23 11:16Core Viewpoint - Chongqing Bank has faced regulatory penalties due to non-compliance with loan management practices, specifically the "three checks" process, which is critical for risk control in lending operations [1][3]. Group 1: Regulatory Issues - Chongqing Bank was fined 2.2 million yuan for failing to conduct due diligence in its loan "three checks" and for imprudent investment practices [3]. - This is not the first instance of regulatory issues for Chongqing Bank; it previously faced a fine of 400,000 yuan for similar violations in November 2024 [1][2]. Group 2: Financial Performance - As of July 2025, Chongqing Bank's total assets reached 1,008.7 billion yuan, an increase of 152.1 billion yuan, representing a growth rate of 17.76% compared to the end of the previous year [2]. - For the first half of 2025, the bank reported operating income of 7.659 billion yuan, a year-on-year increase of 7.00%, and a net profit attributable to shareholders of 3.19 billion yuan, up 5.39% year-on-year [5]. Group 3: Asset Quality and Capital Adequacy - As of mid-2025, Chongqing Bank's non-performing loan (NPL) ratio was 1.17%, a decrease of 0.08 percentage points from the end of the previous year, while the provision coverage ratio improved to 248.27%, up 3.19 percentage points [4]. - However, the bank's capital adequacy ratios have declined compared to the end of 2024, with the core tier 1 capital adequacy ratio at 8.80%, tier 1 capital adequacy ratio at 9.94%, and total capital adequacy ratio at 12.93% [4]. Group 4: Loan Structure - Chongqing Bank has a significant reliance on loans to state-owned enterprises, with such loans accounting for 78.17% of its total corporate loans as of 2024 [4].