As the banking sector grapples with narrowing interest margins and mounting asset quality pressures, Bank Of Chongqing Co.,Ltd. has delivered a standout performance. The bank's 2026 interim report reveals sustained operational momentum: revenue for the first half reached 8.486 billion yuan, up 10.79% year-on-year, while net profit climbed 10.97% to 3.767 billion yuan, maintaining a robust "double-digit" growth trajectory. Total group assets surged to 1.1089 trillion yuan, with both the group and its legal entity crossing the "double trillion" threshold together.
Behind these impressive figures lies the strategic resolve and pragmatic execution of the management team. As one of the key leaders steering this western benchmark city commercial bank, President Gao Song has infused steady momentum into the bank's high-quality development with his distinctive "professional risk-control foundation" and "practical, results-driven approach."
Legal Expertise and Risk Management: Fortifying the City Bank's Defense Lines
In the industry, Gao Song is widely recognized as a "specialist president." A graduate of Southwest University of Political Science and Law, he holds a master's degree in law, along with credentials as a corporate lawyer and senior economist. His early career spanned credit operations, risk management, asset preservation, and legal compliance, equipping him with deep, hands-on expertise in front-line risk control and regulatory adherence.
Since assuming the role of president and chairman of the Risk Management Committee, Gao has seamlessly woven his legal acumen and prudent risk philosophy into the bank's governance framework. Interim data shows comprehensive asset quality improvements: the non-performing loan (NPL) ratio fell to 1.11%, special-mention loans dropped to 1.81%, and the provision coverage ratio rose steadily to 247.31%, signaling stronger risk absorption capacity. In key sectors, inclusive小微 loan NPL and special-mention rates achieved another "dual decline," with the NPL formation rate hitting a three-year low. All top ten single borrowers' loans remain in normal status.
These multi-dimensional metrics build a formidable safety shield, safeguarding the long-term interests of depositors and investors amid stringent financial regulation.
Rooted in Bayu Soil: Precision Support for Local Industries and Micro Businesses
With over two decades of immersion in Chongqing's financial system, Gao possesses acute insights into the region's industrial fabric and the pain points of small and micro enterprises. Under his strategic coordination, Bank Of Chongqing Co.,Ltd. has stayed true to its founding mission of serving the real economy and小微 businesses, deeply integrating into regional development strategies. In the first half, the bank extended over 140 billion yuan in credit support to the Chengdu-Chongqing Economic Circle, maintained a financing balance exceeding 60 billion yuan for the Western陆海 New International Land-Sea Trade Corridor, and pushed manufacturing loans past 41 billion yuan. Inclusive小微 loan balances reached 77.647 billion yuan, ranking among the top western listed city commercial banks, while agriculture-related loans surpassed 57 billion yuan, effectively bridging the "last mile" for precise financial resource allocation.
Grassroots Experience Meets Macro Vision: Driving Modern SOE Governance Forward
Having climbed from a grassroots branch credit officer to group president, and having served as deputy director of the Policy and Regulation Bureau at the State-owned Assets Supervision and Administration Commission, Gao combines hands-on grassroots insight with a macro-level perspective on modern state-owned enterprise governance. Facing the wave of digital economy and fintech transformation, he has anchored the bank's "456" digital transformation framework, focusing on "AI + data" empowerment and risk prevention as dual core priorities, driving deep integration of frontier technology with frontline scenarios.
The interim report highlights that Bank Of Chongqing Co.,Ltd. has not only built a generative AI application management platform and deployed open-source base models, but also launched innovative tools like the "Intelligent Compliance Assistant" and "Chongqing Bank Data Treasure." Usage of "Chongqing Bank Xiao AI" grew 55% from the start of the year. Meanwhile, upgrades to mobile business development and digital credit processes have streamlined one-click loan renewals for inclusive finance and remote due diligence, truly converting technological innovation into sharper risk control and more efficient frontline service.
Data never lies, and pragmatism defines responsibility. Amid a complex macroeconomic landscape, President Gao Song—armed with legal risk-control expertise and sharp market instincts—is propelling Bank Of Chongqing Co.,Ltd. steadily forward in the dynamic balance of "scale, profitability, and quality," showcasing the resilient and progressive spirit of a western benchmark city commercial bank.