Chongqing Rural Commercial Bank sees steady profit growth, asset expansion in H1 2025

Chongqing Rural Commercial Bank reported a net profit of RMB7.847 bn for the six months ended June 30, 2025, a 3.79% increase year-on-year. Operating income rose marginally by 0.64% to RMB14.736 bn, driven by a 5.98% increase in net interest income to RMB11.744 bn. The bank's total assets reached RMB1,630.571 bn, up 7.60% from the previous year-end, with total liabilities increasing by 7.96% to RMB1,491.275 bn.

The bank's non-performing loan ratio slightly improved to 1.17%, a 0.01 percentage point decrease from the end of 2024, demonstrating improved asset quality. Deposits from customers grew by 8.84% to RMB1,025.195 bn, and loans and advances to customers increased by 7.14% to RMB765.245 bn. The capital adequacy ratio stood at 15.11%, a decrease of 1.01 percentage points, attributed to shareholder dividends and asset growth.

Strategic initiatives in the first half of 2025 included deepening financial services in rural areas, expanding into city markets with technology and green finance, and strengthening risk management. The bank's A-share was included in the CSI 300 Index, and its H-share in the MSCI Index, reflecting an improved market image and a historic high ranking among global banks.