Chongqing Rural Commercial Bank (3618) Q3 2026 earnings summary

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%.