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Chongqing Rural Commercial Bank (3618) investor relations material
Chongqing Rural Commercial Bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary26 Aug, 2025
Executive summary
Achieved steady growth in scale and profitability, with total assets up 7.6% to RMB1.63 trillion and net profit up 3.79% year-over-year to RMB7.85 billion.
Maintained leading market position in western China, with A-share included in CSI 300 Index and H-share in MSCI Index.
Continued focus on serving rural revitalization, small and micro enterprises, and county economies, with agricultural loans at RMB260.22 billion.
Enhanced digital transformation and risk management, with significant investment in technology and data-driven operations.
Financial highlights
Operating income rose 0.64% year-over-year to RMB14.74 billion; net interest income increased 5.98% to RMB11.74 billion.
Net non-interest income declined 15.99% to RMB2.99 billion, mainly due to lower trading gains and fee income.
Operating expenses increased 3.90% to RMB4.08 billion, with staff costs up 17.26%.
Impairment losses on credit dropped 27.46% to RMB1.78 billion, reflecting improved asset quality.
Basic and diluted EPS were RMB0.67, up from RMB0.64 year-over-year.
Cost-to-income ratio was 26.59%; annualized ROA 1.01%; annualized ROE 11.90%.
Outlook and guidance
Net interest margin expected to remain under pressure due to a downward interest rate environment, but management aims to stabilize through asset-liability optimization.
Profit growth to be supported by scale expansion, differentiated pricing, and enhanced risk control.
Asset quality expected to remain stable, with continued focus on risk monitoring and digital risk control.
Strategic focus on digital, industrial-chain, and scenario-driven growth, with emphasis on technology, industry, and ecosystem integration.
What specific strategies will mitigate NIM pressure in H2 2025?
How will the bank address rising retail NPLs in H2 2025?
Provide an update on digital transformation project implementation.
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Next Chongqing Rural Commercial Bank earnings date
Q3 202528 Oct, 2025
Next Chongqing Rural Commercial Bank earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Chongqing Rural Commercial Bank Co., Ltd. is a financial institution that provides a range of banking products and services. Its offerings include personal and corporate banking, focusing on deposit accounts, loans, and payment solutions. The bank also provides wealth management services and operates in areas such as agriculture financing to support rural and urban customers. Additionally, it engages in interbank activities, securities investments, and treasury operations. The company is headquartered in Chongqing, China, and its shares are listed on the HKEX.
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