解码重庆银行的“量价险”平衡术

Core Insights - Chongqing Bank has demonstrated strong performance in the first half of 2025, achieving operating income of 7.659 billion yuan and net profit of 3.394 billion yuan, with year-on-year growth of 7% and 5.7% respectively [1] - The bank's total assets reached 1,008.7 billion yuan, completing its "14th Five-Year" strategic goal ahead of schedule, while maintaining good asset quality with key risk indicators showing improvement [1][7] Financial Performance - The bank's net interest income exceeded 5.8 billion yuan, reflecting a year-on-year increase of 12.2% [1] - Net interest margin for the first half of 2025 was 1.39%, up 4 basis points from the beginning of the year, despite ongoing pressure from market conditions [2] - Average loan interest rate was approximately 4.4%, slightly down by 8 basis points year-on-year, but the decline was significantly narrowed compared to previous periods [3] Asset and Liability Management - Average balance of interest-bearing liabilities increased to 838.312 billion yuan, a rise of 20.36% year-on-year, while the average cost of interest-bearing liabilities decreased to 2.29% [4] - The bank's savings deposits grew by 40.1 billion yuan, ranking second in Chongqing, with public deposits increasing by 27.5 billion yuan, leading the city [4] Risk Management - Key risk indicators showed a decline in non-performing loan ratio to 1.17%, down 0.08 percentage points from the beginning of the year, with a provision coverage ratio rising to 248.3% [1][9] - The bank has implemented a comprehensive risk management system, enhancing its ability to identify, warn, and manage risks effectively [9] Strategic Initiatives - Chongqing Bank has actively supported the Chengdu-Chongqing economic circle, with financing balances for major projects exceeding 90, and significant growth in loans for key industries [8] - The bank has developed specialized credit products and increased its focus on green finance, with green loans and leasing balances growing by 28% and 40% respectively [8] Future Outlook - The bank aims to further strengthen asset allocation, optimize liability management, and deepen risk control to support high-quality economic development [10]