In recent years, Bank of Chongqing Co., Ltd. (hereinafter referred to as “Bank of Chongqing”) (601963.SH; 01963.HK) has deeply implemented the spirit of the Party’s 20th National Congress and the Central Financial Work Conference, fully grasped the political and people-oriented nature of financial work, continuously improved the professionalism and effectiveness of financial services, and firmly adhered to the positioning of “high-goal leadership, high-position transformation, high-efficiency operation, high-quality service, and high-quality development.” It has coordinated and promoted key work measures of “three stabilities, three advances, three optimizations, three strengthenings, and three enhancements,” focusing on its main responsibilities and businesses, serving major strategies, strengthening comprehensive operations, improving service quality and efficiency, and driving high-quality development to deepen and solidify continuously.
As of July 31, 2025, the bank’s total assets reached 1,008.7 billion yuan, an increase of 152.1 billion yuan from the end of the previous year, a growth rate of 17.76%. The asset scale exceeded one trillion yuan, achieving the bank’s “14th Five-Year” strategic planning goal ahead of schedule.
Bank of Chongqing’s asset scale has continued to grow, asset quality has steadily improved, various businesses have flourished, and it has performed outstandingly in the capital market. As a city commercial bank rooted in the region, it is vigorously undertaking the mission of serving local economic development.
Impressive Operating Performance and Strong Development Momentum
Facing a complex market environment, Bank of Chongqing has based itself on “stability” and prioritized “progress.” Data from the semi-annual report show that the bank possesses both resilience and potential, with strong staying power.
Asset scale has expanded steadily, with continuous release of growth momentum. As of the end of June 2025, the bank’s total deposits were 544.136 billion yuan, an increase of 14.77% from the end of the previous year; total loans were 500.67 billion yuan, an increase of 13.63% from the end of the previous year. The asset scale has maintained double-digit growth, demonstrating strong development resilience and laying a solid foundation for serving the local economy.
Profit indicators performed excellently, with profitability steadily improving. The bank achieved operating revenue of 7.659 billion yuan, a year-on-year increase of 7.00%; net profit attributable to shareholders of the listed company was 3.19 billion yuan, a year-on-year increase of 5.39%. In an increasingly competitive market environment, Bank of Chongqing has steadily enhanced its profitability through measures such as optimizing business structure and improving service quality, creating good returns for shareholders.
Asset quality continued to improve, with enhanced risk resistance capabilities. The bank strengthened forward-looking risk control, achieving “three decreases and one increase” in key asset quality indicators. As of the end of June 2025, the non-performing loan ratio was 1.17%, down 0.08 percentage points from the end of the previous year; the special-mention loan ratio was 2.05%, down 0.59 percentage points from the end of the previous year; the ratio of overdue loans was 1.58%, down 0.15 percentage points from the end of the previous year. Meanwhile, the provision coverage ratio increased to 248.27%, up 3.19 percentage points from the end of the previous year, further enhancing risk resistance and fortifying the bank’s stable development.
A/H shares both performed well, with continued institutional confidence. Capital market recognition is the best testament to Bank of Chongqing’s strength. As of the end of June 2025, the bank’s A-share price had accumulated an increase of over 30%, with market capitalization reaching a nearly four-year high; H-share performance was equally impressive, with the closing price on June 12 reaching HK$8.74 per share, setting a new historical record since listing. Additionally, the bank was among the first selected for the SSE 580 Index sample list, and multiple institutions issued “overweight” and “buy” ratings, reflecting strong market confidence.
Deep Cultivation in the Real Economy, Precise Support for Key Areas
As a local corporate bank, Bank of Chongqing has always adhered to its original intention of “serving the real economy,” precisely channeling financial resources to key areas of regional development, ensuring that financial vitality resonates with the real economy.
Focusing on the dual-city economic circle, activating the regional development “engine.” The bank, using a “special team mechanism” as a lever, deeply integrated into the construction of the Chengdu-Chongqing economic circle. In the first half of the
