Zheng Quan Ri Bao Zhi Sheng·2025-10-25 03:35Core Insights - Chongqing Bank reported a significant increase in both operating income and net profit for Q3 2025, with operating income reaching 4.08 billion yuan, up 17.38% year-on-year, and net profit at 1.80 billion yuan, up 20.49% [1] - For the first three quarters of 2025, the bank's operating income totaled 11.74 billion yuan, a year-on-year increase of 10.40%, while net profit was 5.20 billion yuan, also up 10.42% [1] - The bank's total assets as of September 30, 2025, amounted to 1.02 trillion yuan, reflecting a growth of 19.39% compared to the end of the previous year [1] Financial Performance - The bank's business and management expenses were 2.81 billion yuan, an increase of 253 million yuan, or 9.90%, compared to the same period last year [1] - The cost-to-income ratio improved to 23.93%, a decrease of 0.11 percentage points year-on-year [1] - The non-performing loan ratio stood at 1.14%, down 0.11 percentage points from the end of the previous year, indicating strong asset quality [1] Capital Adequacy - As of the report date, 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] - The bank's capital adequacy ratios decreased by 1.31, 1.53, and 1.86 percentage points respectively compared to the end of the previous year [2] Dividend Distribution - To enhance shareholder returns, Chongqing Bank announced a profit distribution plan for Q3 2025, proposing a cash dividend of 1.684 yuan per 10 shares (before tax), totaling approximately 585 million yuan (before tax) [2]