成都银行总资产突破1.38万亿，三季报凸显强劲韧性

Core Insights - Chengdu Bank's total assets exceeded 1.38 trillion yuan, reflecting a robust growth of 10.81% year-to-date, while maintaining an excellent asset quality with a non-performing loan ratio of 0.68% [1][3] - The bank reported a revenue of 17.761 billion yuan, a year-on-year increase of 3.01%, and a net profit of 9.493 billion yuan, up 5.03% year-on-year, showcasing its resilience amid a challenging economic environment [1][2] - Chengdu Bank's strategy focuses on deepening regional economic integration and supporting major infrastructure projects, aligning with national strategic initiatives [4][9] Financial Performance - For the first three quarters, Chengdu Bank achieved a net interest income growth of 8.2%, indicating a stable revenue stream despite industry-wide pressure on net interest margins [2][3] - The annualized weighted average return on equity (ROE) stands at 15.2%, placing the bank among the top performers in the A-share listed banks [2] Asset Quality - The bank's non-performing loan coverage ratio is at 433.08%, significantly higher than the industry average, indicating strong risk mitigation capabilities [3] - Chengdu Bank's loan balance reached 846.247 billion yuan, with a growth rate of 14.15%, primarily driven by corporate loans, reflecting its commitment to serving the real economy [4] Strategic Focus - Chengdu Bank is actively engaging in the construction of the Chengdu-Chongqing economic circle and other major national strategies, providing financial support for significant infrastructure and livelihood projects [4][5] - The bank is enhancing its cross-border financial services, collaborating with strategic partners to facilitate local enterprises' integration into global supply chains [5][6] Innovation and Digital Transformation - The bank has established specialized branches for technology, culture, and green finance, aiming to support the transition to new economic drivers and high-quality development [7][8] - Chengdu Bank has been proactive in the technology sector, launching various credit products tailored for tech enterprises and achieving significant milestones in cultural finance [8]