重庆银行股份有限公司2025年第三季度报告

Core Viewpoint - The report highlights the financial performance of Chongqing Bank for the third quarter of 2025, showing significant growth in total assets, customer deposits, and net profit, while also addressing capital adequacy ratios and dividend distribution plans [14][15][16]. Financial Data Summary - Total assets reached CNY 1,022.75 billion, an increase of CNY 166.11 billion, or 19.39%, compared to the end of the previous year [14]. - Customer deposits amounted to CNY 554.25 billion, up CNY 80.13 billion, or 16.90% [14]. - Total loans and advances stood at CNY 520.39 billion, reflecting a growth of CNY 79.77 billion, or 18.10% [14]. - Net profit for the nine months ending September 30, 2025, was CNY 5.196 billion, an increase of CNY 490 million, or 10.42% [15]. - Operating income reached CNY 11.740 billion, up CNY 1.106 billion, or 10.40% [15]. - The non-performing loan balance was CNY 5.894 billion, with a non-performing loan ratio of 1.14%, down 0.11 percentage points from the previous year [14]. Capital Adequacy and Ratios - The core Tier 1 capital adequacy ratio was 8.57%, Tier 1 capital adequacy ratio was 9.67%, and total capital adequacy ratio was 12.60%, all of which decreased compared to the end of the previous year [15]. - The provision coverage ratio increased to 248.11%, up 3.03 percentage points from the previous year [14]. Shareholder Information - As of the report date, the total number of ordinary shareholders was 36,303, with the top ten shareholders holding a combined 22.77% of the total shares [10][11]. - The proposed cash dividend is CNY 1.684 per 10 shares, totaling CNY 585.12 million, which represents 11.99% of the net profit attributable to ordinary shareholders for the first three quarters of 2025 [16].