Chongqing Rural Commercial Bank 2025 Financial Report Breakdown: 2 Million "YuKuaHui" Merchants Drive Growth in Both Revenue and Net Profit

Chongqing's regional operational advantages continue to be reflected in local banks.

On the evening of March 25, CQRC BANK (hereinafter referred to as Chongqing Rural Commercial Bank) disclosed its 2025 annual report, with both revenue and profit achieving single-digit growth. On one hand, this demonstrates the bank's ability to seize local opportunities, but the lower growth rate compared to its peer Bank Of Chongqing also highlights challenges in the operating environment.

Looking at several core indicators, the bank's asset scale data was particularly impressive that year. By the end of the year, Chongqing Rural Commercial Bank's asset scale continued to expand at a high speed. As of the end of 2025, the Group's total assets exceeded 1.66 trillion yuan, a year-on-year increase of 9.95%, reaching a new high in nearly four years.

Net Profit Excluding Non-Recurring Items Grew by 8.55%

In a complex macroeconomic environment, Chongqing Rural Commercial Bank's 2025 income statement showed resilience. By increasing the scale of interest-earning assets and controlling liability costs, the bank achieved positive growth in revenue and net profit.

The annual report shows that in 2025, Chongqing Rural Commercial Bank achieved operating income of 28.648 billion yuan, a year-on-year increase of 1.37%. With non-interest income dragged down by market fluctuations (a year-on-year decrease of 23.92%), the strong growth of 7.85% in net interest income became the main factor in stabilizing overall revenue.

In addition, the bank achieved a net profit of 12.420 billion yuan for the full year, a year-on-year increase of 5.35%. Net profit attributable to shareholders after deducting non-recurring items was 12.097 billion yuan, a year-on-year increase of 8.55%. The latter indicates that there were non-recurring losses that year.

Net Interest Margin Stabilized

For current bank stock investors, the trend of net interest margin and the stability of non-interest income are two core "concerns".

Chongqing Rural Commercial Bank's annual report shows that against the backdrop of multiple LPR rate cuts and adjustments to existing mortgage interest rates, the bank's net interest margin in 2025 was 1.51%, flat year-on-year. The net interest yield was 1.60%, a slight decrease of only 1 basis point. This indicates that the bank's pricing management ability for the liability side is relatively effective, and the decrease in liability costs has effectively offset the negative impact of the industry-wide interest rate reduction.

Specifically, the bank's liability costs were significantly compressed in 2025. The interest rate on customer deposits decreased to 1.45%, a substantial year-on-year drop of 28 basis points. Meanwhile, through a classified management system for deposit products, the bank was able to strictly control high-cost deposits. This led to a year-on-year decrease in interest expenses by 8.61%, even as total deposits increased by 9.21% to surpass the trillion-yuan mark.

Investment Income and Fair Value Decreased

The financial report shows that the bank's net non-interest income in 2025 was 4.388 billion yuan, a year-on-year decrease of 23.92%. Among them, net income from fees and commissions decreased by 19.71%, and gains on investment income and changes in fair value also declined.

This was mainly due to the macroeconomic environment in 2025, which saw increased volatility in the bond market, declining market interest rates, and reduced demand for distribution services.

It is worth noting that the bank successfully obtained the qualification for fund custodian services within the year, which is expected to become a new growth driver for its intermediary business income in the future.

"Three New Driving Forces" Gaining Full Momentum

A significant development for Chongqing Rural Commercial Bank in 2025 lies in the reconstruction of its business's underlying logic. The bank drives sales growth through new scenarios and new digital tools, embodying the "digital drive, industrial chain drive, and scenario circle drive" three new driving forces emphasized in its annual report.

A typical example is the "YuKuaHui" commercial ecosystem developed by the bank. By setting up specialized consumption zones in featured streets of specific cities, it integrates "YuKua" services and consumption discounts to create a one-stop consumption experience encompassing shopping, New Year's goods, folk customs, and scenic beauty, while also driving financial service growth for related customers.

The annual report shows that the bank's "YuKuaHui" has surpassed 2 million merchants. This has not only activated a large number of individual customers but also provided scenario-based credit loans to over 40,000 merchants through "YuKua Revitalization Loan 2.0," enhancing the comprehensive service capabilities of the scenario ecosystem.

Furthermore, the bank is also enhancing its growth momentum through deep cultivation of scenarios and the construction of industrial chain ecosystems. For instance, the loan balance for technology-based enterprises reached 90.906 billion yuan, ranking first among local corporate banks.

Annual Dividend of 3.645 Billion Yuan

In 2025, Chongqing Rural Commercial Bank distributed an interim ordinary share dividend of 2.0336 yuan per 10 shares (tax inclusive). The board of directors proposed a final cash dividend for 2025 of 1.1755 yuan per 10 shares (tax inclusive) to all shareholders. The cumulative ordinary share dividend for the full year was 3.2091 yuan per 10 shares (tax inclusive), with a total cash dividend of 3.645 billion yuan (tax inclusive) distributed to all shareholders.

Chongqing Rural Commercial Bank's chairman stated in his speech that the bank will implement a stable and sustainable dividend policy. The bank has distributed a cumulative total of 15 billion yuan in dividends over the past five years, with a dividend payout ratio not lower than 30%.

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