Bank of Chongqing (BCQ) reported 2025 net profit of RMB6.11 billion, an increase of 10.58% year on year (YoY), while operating income grew 11.18% to RMB14.75 billion. Net profit attributable to shareholders reached RMB5.65 billion, up 10.49% YoY. Net interest income rose 22.44% to RMB12.46 billion, supported by a 10.10% growth in interest income and a slower 3.32% rise in interest expense.

Total assets exceeded the RMB1 trillion mark for the first time, ending the year at RMB1.03 trillion, a 20.67% increase from 2024. Total loans expanded 20.58% to RMB531.29 billion, driven by a 30.95% jump in corporate lending. Customer deposits advanced 19.32% to RMB565.70 billion.

Asset quality improved: the non-performing loan ratio fell 0.11 percentage point to 1.14%, special-mention loans dropped to 1.94%, and the allowance coverage ratio edged up to 245.58%.

Capital adequacy metrics remained above regulatory minima despite rapid asset expansion; the capital adequacy ratio stood at 12.55%, the tier-1 ratio at 9.62%, and the core tier-1 ratio at 8.53%.

Liquidity stayed robust with a 213.83% liquidity ratio, while net cash generated from operating activities turned to an inflow of RMB49.44 billion from an outflow a year earlier.

The Board proposes a final cash dividend of RMB0.2918 per share (tax inclusive). Together with the interim distribution of RMB0.1684, total dividend for 2025 will be RMB0.4602 per share, amounting to RMB1.60 billion and representing a payout ratio of 30.00% of annual net profit.

Looking ahead, management targets continued support for advanced manufacturing, technology innovation and inclusive finance, and plans to enhance digital transformation and risk control while maintaining capital strength.