CQRC BANK (03618) released its interim results for the six months ended June 30, 2025, reporting operating revenue of 147.36 billion yuan (RMB, same below), representing a year-on-year increase of 0.64%. Net profit attributable to shareholders reached 76.99 billion yuan, up 4.63% year-on-year, with basic earnings per share of 0.67 yuan.

The bank's core business development showed both growth and optimization. Scale and profitability continued to expand, with total assets reaching 1,630.571 billion yuan, an increase of 115.189 billion yuan from the end of the previous year. Deposit balances stood at 1,025.195 billion yuan, growing by 83.249 billion yuan from year-end, while loan balances reached 765.245 billion yuan, up 50.972 billion yuan from the previous year-end.

Loan quality and cost management continued to improve. The non-performing loan ratio was 1.17%, down 0.01 percentage points from the end of the previous year. The capital adequacy ratio stood at 15.11% and provision coverage ratio at 355.58%, demonstrating strong risk resistance capabilities. The cost-to-income ratio was 26.59%, and the deposit interest rate was 1.52%, down 27 basis points year-on-year.

The bank's market presence steadily enhanced, with its A-shares included in the CSI 300 Index and H-shares included in the MSCI Index. It ranked 112th among global banks according to The Banker magazine from the UK, rising 7 positions from the previous year-end to reach a historical high, leading among all rural commercial banks nationwide and banks in western China.