Zhong Zheng Wang·2025-10-29 07:33Core Viewpoint - Chongqing Rural Commercial Bank reported a slight increase in revenue and net profit for the first three quarters of 2025, indicating stable performance despite some declines in operational efficiency metrics [1][2]. Financial Performance - The bank achieved an operating income of 21.658 billion yuan, a year-on-year increase of 0.67% [1]. - Net interest income reached 17.850 billion yuan, growing by 6.88% compared to the previous year [1]. - Net profit for the first three quarters was 10.925 billion yuan, reflecting a 3.32% increase year-on-year [1]. - The net profit attributable to shareholders was 10.694 billion yuan, up 3.74% from the same period last year [1]. Operational Efficiency - The net interest margin was 1.59%, a decrease of 0.02 percentage points from the previous year, although the decline was narrower than the previous year's drop of 0.14 percentage points [1]. - The annualized average return on total assets was 0.92%, down 0.03 percentage points year-on-year [1]. - The annualized weighted average return on equity was 10.86%, a decrease of 0.30 percentage points compared to the previous year [1]. Asset Quality - As of September 30, 2025, the bank's non-performing loan balance was 8.711 billion yuan, with a non-performing loan ratio of 1.12%, down 0.06 percentage points from the end of the previous year [1]. - The provision coverage ratio stood at 364.82%, an increase of 1.38 percentage points from the end of the previous year [1]. Asset and Liability Growth - The total assets of the bank reached 1.66 trillion yuan, an increase of 140.869 billion yuan, representing a growth of 9.30% compared to the end of the previous year [2]. - Total liabilities amounted to 1.51 trillion yuan, increasing by 134.801 billion yuan, which is a growth of 9.76% from the previous year-end [2].