Chongqing Rural Commercial Bank (3618) Q3 2025 earnings summary

Executive summary

• Net profit for January–September 2025 rose 3.32% year-over-year to RMB10.925 billion; net profit attributable to shareholders increased 3.74% to RMB10.694 billion.

• Operating income for the nine months reached RMB21.657 billion, up 0.81% year-over-year.

• Total assets as of 30 September 2025 were RMB1,656.25 billion, up 9.30% from year-end 2024.

• Non-performing loan ratio improved to 1.12%, down 0.06 percentage points from year-end 2024.

Financial highlights

• Net interest income for the nine months was RMB17.85 billion, up 6.88% year-over-year.

• Net fee and commission income totaled RMB1.06 billion.

• Net interest margin was 1.59%, down 0.02 percentage points year-over-year.

• Credit impairment losses decreased 14.31% year-over-year to RMB3.23 billion.

• Cost-to-income ratio increased to 27.21%, up 0.28 percentage points year-over-year.

Outlook and guidance

• The Group continues to implement cost reduction and efficiency improvement measures, focusing on meticulous management.