Tai Mei Ti A P P·2026-01-06 10:45Core Viewpoint - Chongqing Bank has emerged as a standout performer in the A-share banking sector, achieving significant stock price growth and operational performance, marking it as a new benchmark in the western banking industry [1][2]. Stock Performance - As of December 31, 2025, Chongqing Bank's A+H total market capitalization reached 31.7 billion yuan, a 19.6% increase from the beginning of the year, ranking first among local financial institutions in Chongqing [2]. - The A-share closing price was 10.83 yuan per share (post-adjusted price 13.60 yuan), with a 21.64% increase, outperforming the industry average by 9.6 percentage points, ranking 4th among 42 listed banks and 2nd among 17 city commercial banks [2][4]. - The H-share closing price was 7.85 HKD per share (post-adjusted price 17.71 HKD), with a 37.26% increase, ranking 6th among 30 listed mainland banks in Hong Kong and 4th among 15 city commercial banks [4]. Operational Performance - Chongqing Bank's asset scale surpassed 1 trillion yuan in the second half of 2025, achieving its "14th Five-Year" strategic goal ahead of schedule, with multiple business indicators breaking historical records [1][10]. - By the end of the third quarter of 2025, the bank's total assets reached 1,022.75 billion yuan, a 19.39% increase from the end of 2024, ranking second in growth among over a hundred banks nationwide [10][11]. - The bank's revenue and net profit both achieved over 10% growth in the third quarter of 2025, marking the best performance in nearly nine years [8]. Strategic Focus - Chongqing Bank has leveraged its regional advantages, focusing on the Chengdu-Chongqing economic circle and other major strategies, which has driven differentiated development and continuous operational breakthroughs [6][10]. - The bank has supported over 120 major regional projects, with financing in the Chengdu-Chongqing economic circle exceeding 300 billion yuan, reflecting a 20% increase [6]. - In the construction of the Western Land-Sea New Corridor, the bank's financing balance reached 53.3 billion yuan, a 79% year-on-year increase [7]. Asset Quality - The bank's asset quality has improved, with the non-performing loan ratio decreasing to 1.14% and the provision coverage ratio increasing to 248.11%, indicating enhanced risk resilience [9].