Sou Hu Cai Jing·2026-01-06 17:44Core Viewpoint - Chongqing Bank stands out in the A-share banking sector with impressive performance in both capital markets and operational results, achieving a stock price increase of 21.64% in 2025, ranking fourth among 42 listed banks nationwide and second among 17 listed city commercial banks [1][2]. Market Performance - As of December 31, 2025, Chongqing Bank's total market capitalization for its A+H shares reached 31.7 billion yuan, a 19.6% increase from the beginning of the year, making it the top financial institution listed in Chongqing [2]. - The A-share closing price was 10.83 yuan per share (adjusted price 13.60 yuan), with a 21.64% increase, outperforming the industry average by 9.6 percentage points [2]. - The H-share closing price was 7.85 HKD per share (adjusted price 17.71 HKD), with a 37.26% increase, ranking sixth among 30 mainland banks listed in Hong Kong [5]. 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, and setting a new benchmark for the development of the western banking industry [1][10]. - The bank's revenue for 2024 grew by 3.54% year-on-year, while net profit increased by 5.59%. In the first half of 2025, revenue reached 7.659 billion yuan, a 7% year-on-year increase, marking a new high in 13 quarters [7][8]. - By the third quarter of 2025, both revenue and net profit achieved over 10% growth, marking the best performance in nearly nine years [7]. Asset Quality - The bank's non-performing loan ratio decreased to 1.14%, and the provision coverage ratio increased to 248.11%, indicating improved asset quality and risk resilience [8]. Strategic Focus - Chongqing Bank has focused on the Chengdu-Chongqing economic circle, with financing in this area exceeding 300 billion yuan, a 20% increase, supporting over 120 major regional projects [7]. - The bank's leadership has implemented a "Five High" strategic positioning to drive high-quality development, emphasizing efficiency and service quality [10][12].