Chongqing Rural Commercial Bank (3618) investor relations material

Executive summary

• Net profit for Q1 2026 reached RMB 4,021.3 million, up 5.35% year-over-year; net profit attributable to shareholders was RMB 3,935 million, up 5.07%.

• Revenue grew 8.39% to RMB 7,830.1 million; operating income rose to RMB 7,829 million, with net interest income up 15.08% and net fee and commission income up 4.24%.

• Cost-to-income ratio improved by 3.07 percentage points to 22.40%.

• Asset quality remained stable, with NPL ratio at 1.07%, down 0.01 percentage points from year-end 2025; provision coverage ratio was 365.72%.

• Total assets as of March 31, 2026, were RMB 1,766,322.3 million, up 6.04% from year-end 2025; total liabilities rose 6.27% to RMB 1,622,100 million.

Financial highlights

• Net cash flows from operating activities surged 282.78% year-over-year to RMB 86,391.0 million, mainly due to lower cash outflows.

• Basic and diluted EPS were RMB 0.35, up 6.06% year-over-year.

• Customer loans and advances totaled RMB 830,095.0 million, up 4.11% from year-end 2025.

• Customer deposits reached RMB 1,107,904.6 million, a 7.70% increase from year-end 2025.

• Credit impairment losses increased 16.21% year-over-year to RMB 1,252 million.

Outlook and guidance

• Continued focus on cost control, efficiency improvements, and lean management to enhance resource allocation.