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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Chongqing Rural Commercial Bank
Chongqing Rural Commercial Bank (3618) investor relations material
Chongqing Rural Commercial Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Unaudited Q3 operating income was RMB7.603bn (+9.86% YoY) and net profit RMB3.455bn (+12.25%); 9M operating income was RMB23.485bn (+8.44%) and net profit RMB11.798bn (+7.99%).
At 30 September 2026, total assets reached RMB1,776.075bn (+6.60% from year-end 2025), with gross loans up 4.96% and customer deposits up 4.33%.
Financial highlights
9M net interest income was RMB20.161bn (+12.95% YoY); net fee and commission income was RMB1.065bn (+0.68%).
9M net profit attributable to shareholders was RMB11.534bn (+7.86%); basic and diluted EPS was RMB0.99 (+7.61%).
9M operating expenses were RMB6.318bn (+3.16%); credit impairment losses were RMB3.247bn (+0.55%).
9M net cash generated from operating activities was RMB37.136bn, up 95.78% YoY.
Key financial ratios and metrics
9M net interest margin was 1.63%, up 4 bps YoY; cost-to-income ratio was 25.66%, down 1.55 percentage points.
9M annualised ROE was 10.94%, up 0.12 percentage point; annualised ROA was 0.92%, unchanged YoY.
At 30 September, Group capital adequacy ratio was 13.92%, core tier 1 ratio 12.53%, leverage ratio 8.01%, and liquidity coverage ratio 440.93%.
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Latest events from Chongqing Rural Commercial Bank
- Net profit up 6.32% to RMB8.34bn, with strong asset growth and improved NPL ratio.3618
H1 2026 - Q1 2026 net profit grew 5.35% year-over-year, with robust asset growth and strong capital ratios.3618Q1 2026
- Net profit increased 5.35% to RMB12.42 billion, with asset quality and capital ratios remaining strong.3618H2 2025
- Net profit and assets grew, with improved asset quality and strong capital ratios.3618Q3 2025
- Net profit up 3.79% to RMB7.85bn, assets at RMB1.63tn, NPL ratio stable at 1.17%.3618H1 2025
- Net profit up 4.24% to RMB10.57bn, NPL ratio improved to 1.17%.3618Q3 2024
- Net profit up 6.18% to RMB7.56bn, with stable asset quality and strong capital ratios.3618H1 2024
- Net profit grew 4.24% year-over-year, with strong capital ratios and stable asset quality.3618Q1 2025
- Net profit up 5.97% to RMB11.79bn, assets at RMB1.52tn, and dividend proposed at RMB3.046/10 shares.3618H2 2024
Next Chongqing Rural Commercial Bank earnings date
H2 202625 Mar, 2027
Chongqing Rural Commercial Bank
Next Chongqing Rural Commercial Bank earnings date
H2 202625 Mar, 2027
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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.