Chongqing Bank 2025 Annual Report: Net profit grew 10.58% year-on-year, while personal banking business fell into nearly a 100 million yuan loss

（Source: 大鱼财经 Studio）

Recently, Chongqing Bank released its 2025 annual report. Last year, Chongqing Bank’s total assets reached 1.03T yuan, up by about 177.1 billion yuan year over year, with a growth rate as high as 20.67%, placing it among the “trillion-yuan” urban commercial banks. In addition, last year Chongqing Bank’s profit growth accelerated. In 2025, operating revenue was 15.11B yuan, up 10.48% year over year; net profit was 6.11B yuan, up 10.58% year over year.

Behind the rapid overall performance growth, however, Chongqing Bank’s retail business posted large losses last year.

On the asset side, last year, Chongqing Bank’s loan assets grew at a relatively fast pace. By the end of 2025, Chongqing Bank’s total customer loans and advances were 531.29B yuan, up 20.58% year over year.

Chongqing Bank’s loan mix is dominated by corporate loans, while retail loans account for a lower share. At the end of the 2025 reporting period, the balance of corporate loans was 409.87B yuan, up 30.95% year over year, accounting for 77.46% of total loans; the balance of retail loans was 96.7B yuan, down 0.94% year over year, accounting for 18.2% of total loans.

At the end of 2025, among retail loans, the balance of personal consumption loans and other items was 39.75B yuan, representing 41.11% of retail loans, down 8.39% year over year.

In terms of asset quality, as of the end of 2025, Chongqing Bank’s overall non-performing loan ratio for its loan business was 1.14%, down 0.11 percentage points year over year. The provision coverage ratio was 245.58%, up 0.5 percentage points year over year.

At the end of 2025, Chongqing Bank’s corporate loan non-performing loan ratio was 0.71%, down 0.19 percentage points from the end of the previous year; the retail loan non-performing loan ratio was 3.23%, up 0.52 percentage points from the end of the previous year.

Image source: Chongqing Bank’s financial report

On profitability, Chongqing Bank’s operating revenue growth last year accelerated significantly. Previously, from 2022 to 2023, Chongqing Bank’s operating revenue recorded negative growth, with growth rates of -7.23% and -1.89%, respectively. In 2024, Chongqing Bank’s operating revenue growth rate was 3.54%.

Chongqing Bank’s operating revenue growth mainly came from the contribution of interest income growth. In 2025, Chongqing Bank’s interest income was 31.59B yuan, up 10.10% year over year; interest expense was 19.13B yuan, up 3.32% year over year; net interest income was 12.46B yuan, up significantly by 22.44% year over year.

Chongqing Bank’s non-interest income declined noticeably. In 2025, Chongqing Bank’s net fee and commission income fell sharply, down 32.66% year over year to 598 million yuan; among other non-interest net income, the bank’s net fair value changes in the prior year were -830 million yuan, with a decline as high as 871.95% year over year.

Based on segment revenue, in 2024 (last year), Chongqing Bank’s Personal Banking Business Unit achieved operating revenue of 3.18B yuan, down 5.73% year over year; pre-tax profit was -92.79 million yuan. The pre-tax profit declined by 120.95% year over year compared with 444 million yuan in 2024, making it the first time the Personal Banking Business Unit posted a pre-tax loss since the bank’s A-share listing.

Image source: Chongqing Bank’s financial report

From the income statement, last year, the bank’s credit impairment losses for its personal banking business were 1.85B yuan, up 573 million yuan from the same period last year, an increase of 44.73%, which had a significant impact on the bank’s personal banking business pre-tax profit.

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