Nan Fang Du Shi Bao·2025-10-29 10:31Core Insights - The recent quarterly reports from Chengdu Bank and Chongqing Bank highlight their differing performances amidst the ongoing development of the Chengdu-Chongqing economic circle, reflecting diverse trajectories in regional financial growth [2][4]. Revenue Performance - Chengdu Bank reported a Q3 revenue of 5.491 billion yuan, a year-on-year decrease of 2.92%, while net profit was 2.876 billion yuan, a slight increase of 0.17%. For the first three quarters, revenue was 17.76 billion yuan, up 3.01%, and net profit was 9.493 billion yuan, up 5.03% [3]. - In contrast, Chongqing Bank achieved a Q3 revenue of 4.081 billion yuan, a year-on-year increase of 17.38%, with net profit reaching 1.802 billion yuan, up 20.49%. For the first three quarters, revenue was 11.74 billion yuan, up 10.40%, and net profit was 5.196 billion yuan, up 10.42% [3][4]. Asset Growth - As of September 2025, Chengdu Bank's total assets stood at 1.39 trillion yuan, growing by 10.81% year-on-year, with loans totaling 847.48 billion yuan, up 14.13% [5]. - Chongqing Bank's total assets exceeded 1.02 trillion yuan, reflecting a robust growth of 19.39% year-on-year, with customer loans amounting to 520.39 billion yuan, an 18.10% increase [5][6]. Asset Quality - Chengdu Bank maintained a low non-performing loan (NPL) ratio of 0.68%, with NPLs totaling 5.745 billion yuan, while the provision coverage ratio was 433.08%, showing a slight decline [7]. - Chongqing Bank's NPLs reached 5.894 billion yuan, with an NPL ratio of 1.14%, which decreased by 0.11 percentage points, and a provision coverage ratio of 248.11%, indicating a positive trend in asset quality [7]. Competitive Dynamics - The competition between Chengdu Bank and Chongqing Bank is shifting from a focus on scale and growth to a balance of capital adequacy and risk management, emphasizing the importance of converting current operational advantages into long-term risk benefits [8].