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Chongqing Rural Commercial Bank (3618) investor relations material
Chongqing Rural Commercial Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
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.
What caused the drop in capital adequacy ratios?
Drivers of NPL ratio decrease and coverage increase
Analyze the impact of credit impairment on net profit
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Next Chongqing Rural Commercial Bank earnings date
H2 202524 Mar, 2026
Next Chongqing Rural Commercial Bank earnings date
H2 202524 Mar, 2026
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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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