智通财经网·2025-10-28 11:41Core Insights - Chongqing Rural Commercial Bank reported a net profit of 10.925 billion yuan for the first nine months of 2025, representing a year-on-year increase of 3.32% [1] - The net profit attributable to shareholders was 10.694 billion yuan, up 3.74% compared to the same period last year [1] - The annualized average return on total assets was 0.92%, a decrease of 0.03 percentage points year-on-year [1] - The annualized weighted average return on equity was 10.82%, down 0.30 percentage points from the previous year [1] Financial Performance - The group achieved an operating income of 21.657 billion yuan, reflecting a year-on-year growth of 0.81% [1] - Net interest income was 17.850 billion yuan, an increase of 6.88% compared to the same period last year [1] - Net fee and commission income stood at 1.057 billion yuan [1] - The net interest margin was 1.59%, a slight decrease of 0.02 percentage points year-on-year, with a narrowed decline of 0.14 percentage points [1] Asset Quality - As of September 30, 2025, the group reported a non-performing loan balance of 8.711 billion yuan [1] - The non-performing loan ratio was 1.12%, down 0.06 percentage points from the end of the previous year [1] - The provision coverage ratio increased to 364.82%, up 1.38 percentage points from the end of last year [1]