重庆银行三季报：资产质量持续优化 营收净利增速创九年新高

Core Viewpoint - Chongqing Bank's Q3 performance report showcases a comprehensive achievement in scale, efficiency, quality, and responsibility, marking a significant milestone in its strategic execution and development path [1][2]. Group 1: Scale Breakthrough - As of the end of Q3, Chongqing Bank's total assets reached 1,022.7 billion yuan, a 19.4% increase from the beginning of the year, successfully crossing the trillion yuan threshold [5]. - The bank's deposit balance stood at 554.245 billion yuan, up 16.9% year-to-date, while the loan balance reached 520.385 billion yuan, reflecting an 18.1% increase [5]. Group 2: Performance Breakthrough - During the reporting period, Chongqing Bank achieved an operating income of 11.74 billion yuan, a year-on-year growth of 10.40%, and a net profit of 5.196 billion yuan, also up 10.42% year-on-year, marking the first time in nine years that both metrics saw double-digit growth [6]. - Net interest income increased by 15.2% year-on-year, reinforcing the bank's profitability foundation and highlighting the effectiveness of its business structure optimization [6]. Group 3: Quality Assurance - The bank's asset quality continued to improve, with a non-performing loan ratio of 1.14% at the end of Q3, down 0.11 percentage points from the beginning of the year [8]. - The risk coverage ratio reached 248.11%, an increase of 3.03 percentage points year-to-date, providing a solid safety net for future operations [8]. Group 4: Service to National Strategy - Chongqing Bank has actively supported national strategic initiatives, with financing for the "Chengdu-Chongqing Economic Circle" exceeding 300 billion yuan, a 20% increase, and involvement in over 120 major projects [10]. - The bank's financing for the "Western Land-Sea New Corridor" reached 53.3 billion yuan, a remarkable 79% year-on-year increase, showcasing its commitment to regional development [10]. - In alignment with the goal of building a "Western Financial Center," the bank successfully attracted over 20 billion yuan in funding, injecting financial vitality into the local economy [10].