Cai Jing Wang·2025-10-24 10:56Core Insights - Chongqing Bank reported a net profit of 5.196 billion yuan for the first nine months of 2025, an increase of 490 million yuan, representing a growth of 10.42% compared to the same period last year [1] - The bank's total assets reached 1.02275 trillion yuan, an increase of 166.108 billion yuan, reflecting a growth of 19.39% year-on-year [1] Financial Performance - The bank's operating income was 11.740 billion yuan, up by 1.106 billion yuan, with a growth rate of 10.40% [1] - Business and management expenses amounted to 2.810 billion yuan, an increase of 253 million yuan, representing a growth of 9.90% [1] - The cost-to-income ratio improved to 23.93%, a decrease of 0.11 percentage points from the previous year [1] Asset and Deposit Growth - Customer deposits totaled 554.245 billion yuan, an increase of 80.128 billion yuan, with a growth rate of 16.90% [1] - The breakdown of deposits includes 416.672 billion yuan in time deposits, 96.679 billion yuan in demand deposits, and 23.678 billion yuan in margin deposits [1] Loan Portfolio - Total customer loans and advances reached 520.385 billion yuan, an increase of 79.768 billion yuan, reflecting an 18.10% growth [1] - Corporate loans accounted for 399.019 billion yuan, while personal loans were 99.290 billion yuan [1] Asset Quality - The non-performing loan balance stood at 5.894 billion yuan, an increase of 431 million yuan [2] - The non-performing loan ratio improved to 1.14%, a decrease of 0.11 percentage points [2] - The provision coverage ratio rose to 248.11%, an increase of 3.03 percentage points [2] Capital Adequacy - As of the end of the third quarter, the core tier 1 capital adequacy ratio was 8.57%, the tier 1 capital adequacy ratio was 9.67%, and the total capital adequacy ratio was 12.60%, all of which met the latest regulatory requirements [2]