Jing Ji Guan Cha Bao·2026-01-15 04:32Core Viewpoint - Chongqing Rural Commercial Bank (CRCB) has demonstrated strong growth and resilience, with key executives and board members increasing their shareholdings, reflecting confidence in the bank's future prospects and strategic direction [2][7]. Group 1: Financial Performance - As of the end of Q3 2025, CRCB's total assets reached 1.65 trillion yuan, a 9.3% increase from the previous year, surpassing the average growth rates of A-share listed banks and rural commercial banks [3]. - The bank's deposit scale exceeded 1 trillion yuan, making it the first bank in the Chongqing region to achieve this milestone, while its loan balance approached 780 billion yuan, maintaining a leading position in growth rates among listed banks [3]. - For the first three quarters of 2025, CRCB reported operating income of 21.7 billion yuan, a 0.7% year-on-year increase, with net interest income rising by 6.9%, showcasing strong profitability despite a challenging interest rate environment [3]. Group 2: Asset Quality and Risk Management - CRCB's non-performing loan ratio decreased to 1.12% by the end of Q3 2025, down 0.06 percentage points from the previous year, which is lower than the average for A-share listed banks [4]. - The bank's provision coverage ratio improved to 365%, providing a solid risk buffer, while its core Tier 1 capital adequacy ratio stood at 12.98% and total capital adequacy ratio at 14.77%, indicating robust capital strength [4]. Group 3: Strategic Development - Under the leadership of Chairman Liu Xiaojun, CRCB has set clear strategic goals focusing on "technology-driven, industry-driven, and ecosystem-driven" transformations, aiming for a breakthrough in rural and urban financial services over the next five years [5]. - The bank has established a comprehensive financial service system, serving over 29.5 million personal customers and nearly 2 million merchants in Chongqing, enhancing local consumption through community-focused financial services [5]. - CRCB is also focusing on major strategic initiatives in the Chengdu-Chongqing economic circle and the new western land-sea corridor, integrating resources from universities and investment institutions to support technology enterprises [5]. Group 4: Governance and Market Confidence - CRCB has a well-defined governance structure and has recently optimized its board composition, receiving recognition for its governance practices [6]. - The increase in shareholdings by executives and board members signals strong confidence in the bank's operational fundamentals and long-term growth potential, aligning with positive institutional ratings received since March 2025 [7]. - The bank's commitment to high-quality transformation and innovation is expected to enhance its market recognition and support its ongoing reforms and business expansion [7][8].