智通财经网·2025-10-28 11:47Core Viewpoint - 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 growth of 3.32% [2] Financial Performance - The bank's net profit attributable to shareholders reached 10.694 billion yuan, an increase of 3.74% compared to the same period last year [2] - The annualized average return on total assets was 0.92%, a decrease of 0.03 percentage points year-on-year [2] - The annualized weighted average return on equity was 10.82%, down by 0.30 percentage points from the previous year [2] - Total operating income for the first nine months was 21.657 billion yuan, reflecting a growth of 0.81% year-on-year [2] - Net interest income amounted to 17.850 billion yuan, showing an increase of 6.88% compared to the same period last year [2] - Net interest margin was 1.59%, a decline of 0.02 percentage points year-on-year, although the decline was narrowed by 0.14 percentage points [2] Asset Quality - As of September 30, 2025, the bank's non-performing loan balance stood at 8.711 billion yuan [2] - The non-performing loan ratio was 1.12%, a decrease of 0.06 percentage points from the end of the previous year [2] - The provision coverage ratio improved to 364.82%, an increase of 1.38 percentage points compared to the end of last year [2]