Chongqing Bank's net profit last year exceeded 5.6 billion yuan, an increase of over 10%, with total assets surpassing one trillion yuan.

On March 24, Chongqing Bank (601963.SH, 01963.HK) released its 2025 annual performance report. For 2025, the bank recorded net profit attributable to shareholders of 5.654 billion yuan, up 10.49% year over year; operating income was 15.113 billion yuan, up 10.48% year over year.

In the annual report message from Chairman Yang Xiuming of Chongqing Bank, he said that in 2025, Chongqing Bank’s “comprehensive business operations capability and operating efficiency continued to improve, the net interest margin stabilized and rebounded, and both operating income and net profit achieved double-digit growth year over year for the first time in nearly six years—both rising by around 10%.”

As of the end of 2025, Chongqing Bank’s total assets reached 1,033.726 billion yuan, up 20.67% year over year, officially joining the “trillion-yuan municipal commercial bank club.”

Judging from the revenue mix, in 2025 Chongqing Bank generated net interest income of 12.459 billion yuan, up 22.44% year over year; its share of operating income increased to 82.44%, becoming the main support driving revenue growth. Non-interest net income was 2.654 billion yuan, down 24.24% year over year.

In 2025, Chongqing Bank’s spread indicators improved. The annual report shows that in 2025, the bank’s net interest spread increased by 13 basis points from the previous year to 1.35%, and its net interest margin yield increased by 4 basis points from the previous year to 1.39%. Specifically, the average yield on interest-earning assets decreased by 27 basis points from the previous year to 3.53%, but the average cost rate of interest-bearing liabilities fell by 40 basis points to 2.18%. The improvement in liability costs was even greater, thereby推动 the spread to rebound.

As of the end of 2025, Chongqing Bank’s total customer loans and advances were 531.285 billion yuan, up 20.58% year over year; customer deposits were 565.704 billion yuan, up 19.32% year over year. Of this, corporate loans were 409.867 billion yuan, up 30.95% year over year; retail loans were 96.702 billion yuan, down 0.94% year over year; and discounted bills were 22.551 billion yuan, down 18.51% year over year.

Looking at the deposit side, as of the end of 2025, the bank’s personal deposits were 306.704 billion yuan, an increase of 57.146 billion yuan from the end of the previous year, representing growth of 22.90%. Their share of total customer deposits was 54.22%, up 1.59 percentage points from the end of the previous year; corporate deposits were 215.652 billion yuan, up 15.94%.

Regarding asset quality, as of the end of 2025, Chongqing Bank’s non-performing loan ratio was 1.14%, down 0.11 percentage points from the end of the previous year; the provision coverage ratio was 245.58%, up 0.50 percentage points from the end of the previous year. By business segment, Chongqing Bank’s non-performing loan ratio for corporate loans was 0.71%, down 0.19 percentage points from the end of the previous year; for retail loans it was 3.23%, up 0.52 percentage points from the end of the previous year.

However, amid relatively rapid expansion, Chongqing Bank’s capital indicators faced some pressure. As of the end of 2025, the bank’s core tier-one capital adequacy ratio, tier-one capital adequacy ratio, and total capital adequacy ratio were 8.53%, 9.62%, and 12.55%, respectively, down 1.35, 1.58, and 1.91 percentage points from the end of the previous year. All indicators still continued to meet regulatory requirements.

Chongqing Bank said that the main reason for the change in its capital adequacy ratio during the reporting period was the normal development of various businesses; the total amount of risk-weighted assets both on and off the balance sheet increased, which to a certain extent reduced capital adequacy ratios at all levels.

大量 information, precise interpretation, all in the Sina Finance APP