Cai Jing Wang·2025-10-24 11:48Core Insights - Chongqing Bank's Q3 2025 report highlights a historic milestone with total assets surpassing 1 trillion yuan, indicating a new phase of development and strong growth momentum in profitability and asset quality [1][3] Group 1: Asset Scale and Growth - As of the end of Q3, Chongqing Bank's total assets reached 1,022.7 billion yuan, a 19.4% increase from the beginning of the year, marking a significant achievement in its comprehensive strength and market position [1] - The bank's deposit balance stood at 554.25 billion yuan, up 16.9% year-on-year, while the loan balance reached 520.39 billion yuan, reflecting an 18.1% increase, providing a solid foundation for its main business [1] Group 2: Financial Performance - The bank achieved operating income of 11.74 billion yuan, a year-on-year growth of 10.40%, and a net profit of 5.196 billion yuan, also up 10.42%, marking the first time in nine years that both metrics experienced double-digit growth [1] - Net interest income increased by 15.2% year-on-year, reinforcing the bank's profitability and highlighting the effectiveness of its business structure optimization [1] Group 3: Asset Quality and Risk Management - Chongqing Bank's asset quality continues to improve, with a non-performing loan ratio of 1.14% at the end of Q3, down 0.11 percentage points from the beginning of the year [2] - The bank's provision coverage ratio reached 248.11%, an increase of 3.03 percentage points, enhancing its risk absorption capacity and providing a solid safety net for future operations [2] Group 4: Strategic Contributions - The bank actively supports national strategic initiatives, with financing for the Chengdu-Chongqing economic circle exceeding 300 billion yuan, a 20% increase, aiding over 120 major projects [3] - In supporting the construction of the Western Land-Sea New Corridor, the bank's financing balance reached 53.3 billion yuan, a remarkable 79% increase, showcasing its commitment to regional development [3] - Chongqing Bank has successfully attracted over 20 billion yuan in funding to support local economic development, aligning with its goal of becoming a Western financial center [3]