Bank Of Chongqing(601963)2024-12-11 07:42Group 1: Loan Product Development - The "Jie e Loan" product has seen rapid growth, primarily targeting clients with good credit qualifications, including employees of enterprises and institutions [1] - As of the end of Q3 2024, the balance of "Jie e Loan" increased by over 70% compared to the end of the previous year [1] Group 2: Capital Adequacy Ratio - As of the end of Q3 2024, the capital adequacy ratio stands at 14.68%, an increase of 1.31 percentage points from the end of the previous year [1] - The improvement in the capital adequacy ratio is attributed to three main factors: retention of operating profits for capital supplementation, asset structure adjustments to reduce capital consumption, and enhanced capital efficiency [1] Group 3: Deposit Growth and Structure - As of the end of Q3 2024, the bank's deposit increment reached nearly 50 billion yuan, marking the best growth year on record [2] - The increase in deposits is primarily driven by savings deposits, which now account for over 50% of total deposits [2] Group 4: Capital Supplementation - The bank issued 6 billion yuan in secondary capital bonds this year, effectively supplementing its capital and improving the capital adequacy ratio [2]