On the evening of August 20, Bank Of Chongqing Co.,Ltd. (601963.SH, 01963.HK) released its semi-annual report for 2026. The results indicate that during the first half of the year, the bank maintained its momentum of double-digit growth in both operating revenue and net profit, while achieving a historic milestone with its asset scale crossing the "dual-trillion" threshold. Asset quality, profitability efficiency, and lending in key sectors all remained stable.



Asset Growth and Quality: Securing the "Dual-Trillion" Mark with NPL Ratio Falling to 1.11%

As of the end of June, the total assets of the Bank Of Chongqing Co.,Ltd. group reached RMB 1,108.909 billion, and the legal entity's total assets stood at RMB 1,042.818 billion, marking a historic achievement of surpassing the dual-trillion yuan level. Deposit balances totaled RMB 627.202 billion, an increase of RMB 61.498 billion from the start of the year, representing a growth of 10.87%. Loan balances reached RMB 582.459 billion, up RMB 51.175 billion from the beginning of the year, a rise of 9.63%.

In terms of asset quality, the bank's non-performing loan (NPL) ratio was 1.11%, a decrease of 0.03 percentage points compared to the end of the previous year. The proportion of special-mention loans fell to 1.81%, down 0.13 percentage points from the end of 2025. The provision coverage ratio increased to 247.31%, up 1.73 percentage points from the prior year-end, indicating a continuous strengthening of its risk absorption capacity.



Efficiency Gains: Double-Digit Growth Persists, and Profitability Metrics Improve

During the reporting period, the bank generated operating revenue of RMB 8.486 billion, a year-on-year increase of 10.79%. Net profit attributable to the parent company reached RMB 3.518 billion, up 10.29% year-on-year, while total net profit was RMB 3.767 billion, a rise of 10.97%. It stands as one of the 13 A-share listed banks that have achieved positive growth in both revenue and net profit for ten consecutive quarters and is the only one to have recorded "double-digit growth" for four straight quarters.

The bank's net interest income totaled RMB 7.389 billion, a significant 26.04% increase year-on-year. Its return on equity (ROE) improved by 0.51 percentage points compared to the same period last year, marking the fourth consecutive quarter of year-on-year improvement in this metric.



Enhanced Services: Focusing on Major Strategic Initiatives and Advancing Digital Transformation

Leveraging its regional layout, headquarters advantages, and deep local roots, the bank has continuously strengthened its comprehensive service capabilities for major strategies, key projects, and priority sectors. In the first half of the year, it provided over RMB 140 billion in credit support to the Chengdu-Chongqing Economic Circle. Its financing balance for the New International Land-Sea Trade Corridor surpassed RMB 60 billion.

Loans to technology-oriented enterprises grew by 27.3%. The manufacturing loan portfolio exceeded RMB 41 billion, with the year-on-year growth rate for medium and long-term manufacturing loans in the Chongqing region topping 40%. Green finance balances reached RMB 106.9 billion, and the bank issued the nation's first cross-provincial GEP-linked loan. Inclusive finance loans surpassed RMB 77 billion, and agriculture-related loans exceeded RMB 57 billion. The investment banking business maintained its leading position, ranking first among underwriters among western regional legal-entity banks.

On the digital front, the bank is advancing its "456" digital transformation framework, focusing on "AI + Data" empowerment and risk prevention. It has established a generative AI application management platform, deployed the "Tongyi Qianwen" large language model, and added seven new application scenarios, including an "Intelligent Compliance Assistant." Mobile operations now cover external marketing, credit approval, and counter services, completing 1.409 million transactions in total. In data governance, the bank has integrated over 1,100 internal data items and introduced more than 60 external data sources, supporting over 320 million data usage instances across its business systems.