CHONGQING RURAL COMMERCIAL BANK CO., LTD.

Financial Ratios Chongqing Rural Commercial Bank Co., Ltd.

Stocks

3618

CNE100000X44

Banks

Market Closed - Hong Kong S.E. 11:08:14 25/09/2026 +03			5-day change	1st Jan Change
6.265 ^HKD	-1.34%		+0.24%	+1.87%

08-31	Chongqing Rural Commercial Bank's H1 Profit Rises 6%	MT
08-30	Chongqing Rural Commercial Bank Co., Ltd. Reports Earnings Results for the Half Year Ended June 30, 2026	CI

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Published financial data: CHONGQING RURAL COMMERCIAL BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Interest Income On Loans	51.75B	51.26B	49.89B	47.09B	46.47B
Interest Income, Total	51.75B	51.26B	49.89B	47.09B	46.47B
Interest On Deposits	25.51B	25.85B	26.39B	24.59B	22.2B
Interest Expense, Total	25.51B	25.85B	26.39B	24.59B	22.2B
Net Interest Income	26.23B	25.4B	23.49B	22.49B	24.26B
Income From Trading Activities	1.24B	687M	1.89B	2.39B	1.06B
Gain (Loss) on Sale of Assets	53.96M	34.91M	23.05M	29.25M	69.96M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	124M	470M	289M	1.4B	1.83B
Income (Loss) on Equity Invest. (Income Block)	1.1M	3.25M	22.66M	34.6M	39.37M
Total Other Non Interest Income	3.2B	2.34B	2.24B	1.89B	1.35B
Non Interest Income, Total	4.61B	3.54B	4.46B	5.74B	4.36B
Revenues Before Provison For Loan Losses	30.85B	28.94B	27.96B	28.23B	28.62B
Provision For Loan Losses	10.85B	7.84B	5.94B	5.96B	5.44B
Total Revenues	20B	21.1B	22.02B	22.27B	23.18B
Salaries And Other Employee Benefits	5.47B	5.63B	5.73B	5.53B	5.61B
Occupancy Expense	-	786M	803M	796M	803M
Selling General & Admin Expenses, Total	21.05M	2.63B	2.8B	2.6B	2.47B
Total Other Non Interest Expense	3.28B	487M	486M	530M	569M
Non Interest Expense, Total	8.77B	9.53B	9.81B	9.45B	9.45B
EBT, Excl. Unusual Items	11.23B	11.57B	12.2B	12.82B	13.73B
Restructuring Charges	-31.67M	-10.98M	-6.92M	-2.96M	-16.41M
EBT, Incl. Unusual Items	11.2B	11.56B	12.2B	12.82B	13.71B
Income Tax Expense	1.48B	1.08B	1.07B	1.03B	1.29B
Earnings From Continuing Operations	9.72B	10.48B	11.13B	11.79B	12.42B
Net Income to Company	9.72B	10.48B	11.13B	11.79B	12.42B
Minority Interest	-159M	-202M	-223M	-276M	-292M
Net Income - (IS)	9.56B	10.28B	10.9B	11.51B	12.13B
Preferred Dividend and Other Adjustments	-	160M	238M	238M	238M
Net Income to Common Incl Extra Items	9.56B	10.12B	10.66B	11.27B	11.89B
Net Income to Common Excl. Extra Items	9.56B	10.12B	10.66B	11.27B	11.89B
Per Share Items
Net EPS - Basic	0.84	0.89	0.94	0.99	1.05
Basic EPS - Continuing Operations	0.84	0.89	0.94	0.99	1.05
Basic Weighted Average Shares Outstanding	11.36B	11.36B	11.36B	11.36B	11.36B
Net EPS - Diluted	0.84	0.89	0.94	0.99	1.05
Diluted EPS - Continuing Operations	0.84	0.89	0.94	0.99	1.05
Diluted Weighted Average Shares Outstanding	11.36B	11.36B	11.36B	11.36B	11.36B
Normalized Basic EPS	0.6	0.62	0.65	0.68	0.73
Normalized Diluted EPS	0.6	0.62	0.65	0.68	0.73
Dividend Per Share	0.25	0.27	0.29	0.3	0.32
Payout Ratio	26.38	29.48	30.45	30.53	30.65
American Depositary Receipts Ratio (ADR)	50	50	50	50	50
Supplemental Items
Effective Tax Rate - (Ratio)	13.23	9.36	8.78	8.02	9.41
Current Domestic Taxes	3.21B	2.51B	2.14B	2.58B	2.74B
Total Current Taxes	3.21B	2.51B	2.14B	2.58B	2.74B
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-1.73B	-1.43B	-1.07B	-1.55B	-1.45B
Normalized Net Income	6.86B	7.03B	7.4B	7.74B	8.29B
Non-Cash Pension Expense	156M	79.34M	77.58M	-178M	-92.27M

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Assets
Cash And Equivalents	35.39B	23.25B	31.92B	18.91B	17.87B
Investment Securities, Total	560B	593B	586B	662B	727B
Trading Asset Securities, Total	48.38B	65.85B	111B	84.56B	82.06B
Total investments	608B	659B	697B	747B	809B
Gross Loans	582B	633B	677B	714B	797B
Allowance For Loan Losses	-24.83B	-27.59B	-29.43B	-30.44B	-31.39B
Net Loans	557B	605B	647B	684B	766B
Gross Property Plant And Equipment	10.97B	11.39B	12.07B	12.15B	13.59B
Accumulated Depreciation	-5.86B	-6.49B	-7.05B	-7.59B	-8.1B
Net Property Plant And Equipment	5.12B	4.9B	5.02B	4.57B	5.49B
Goodwill	440M	440M	440M	440M	440M
Other Intangibles, Total	577M	580M	614M	599M	582M
Accrued Interest Receivable	27.9M	26.58M	34.1M	20.61M	28.5M
Other Receivables	-	894M	909M	1.01B	1.3B
Restricted Cash	48.87B	47.05B	46.6B	46.63B	50.4B
Other Current Assets, Total	188M	76.82M	450M	782M	831M
Deferred Tax Assets Long-Term (Collected)	9.19B	10.77B	11.54B	11.71B	14.12B
Other Real Estate Owned And Foreclosed	39.04M	35.06M	31.96M	247M	205M
Other Long-Term Assets, Total	880M	21.37M	38.81M	43.56M	443M
Total Assets	1,266B	1,352B	1,442B	1,515B	1,666B
Liabilities
Accounts Payable, Total	-	490M	844M	797M	1.91B
Accrued Expenses, Total	4.09B	5.52B	4.61B	5.59B	5.26B
Interest Bearing Deposits	789B	877B	952B	945B	1,030B
Total Deposits	789B	877B	952B	945B	1,030B
Short-Term Borrowings	53.2B	42.48B	63.32B	71.94B	95.89B
Current Portion of Long-Term Debt	286B	283B	258B	324B	363B
Current Portion of Leases	-	49.08M	55.01M	82.49M	52.81M
Long-Term Debt	19.93B	16.64B	19.86B	11.93B	4.65B
Long-Term Leases	138M	86.3M	110M	63.69M	111M
Current Income Taxes Payable	349M	654M	466M	643M	483M
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	176M	373M	426M	2.41B	9.28B
Unearned Revenue Non Current	610M	545M	359M	197M	143M
Pension & Other Post Retirement Benefits	2.66B	2.59B	2.69B	2.66B	2.39B
Other Non Current Liabilities	4.1B	8.09B	14.46B	15.71B	13.35B
Total Liabilities	1,160B	1,237B	1,318B	1,381B	1,526B
Common Stock, Total	11.36B	11.36B	11.36B	11.36B	11.36B
Additional Paid In Capital	20.44B	20.44B	20.44B	20.44B	20.44B
Retained Earnings	69.12B	76.37B	83.95B	89.74B	98.07B
Comprehensive Income and Other	4.04B	5.56B	6.43B	10.6B	7.7B
Total Common Equity	105B	114B	122B	132B	138B
Minority Interest	1.53B	1.73B	1.77B	1.92B	2.17B
Total Equity	106B	115B	124B	134B	140B
Total Liabilities And Equity	1,266B	1,352B	1,442B	1,515B	1,666B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11.36B	11.36B	11.36B	11.36B	11.36B
ECS Total Common Shares Outstanding	11.36B	11.36B	11.36B	11.36B	11.36B
Book Value / Share	9.24	10.01	10.76	11.11	11.58
Tangible Book Value	104B	113B	121B	131B	137B
Tangible Book Value Per Share	9.15	9.92	10.66	11.01	11.49
Average Loans	555B	612B	666B	701B	756B
Total Debt	359B	342B	342B	408B	464B
Deposits at Interest - Cash	32.88B	28.42B	40.12B	36.97B	49.29B
Debt Equivalent of Unfunded Proj. Benefit Obligation	2.43B	2.38B	2.62B	2.6B	2.33B
Net Debt	189B	167B	102B	187B	188B
Equity Method Investments, Total	451M	455M	477M	510M	549M
Full Time Employees	14.9K	15.17K	15.02K	14.54K	14.27K
Number Of Offices	1.76K	1.76K	1.75K	1.74K	1.73K

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Net Income	9.56B	10.28B	10.9B	11.51B	12.13B
Depreciation, Depletion & Amortization	851M	820M	857M	877M	885M
Total Depreciation, Depletion & Amortization	851M	820M	857M	877M	885M
(Gain) Loss On Sale of Asset - (CF)	-55.11M	-31.94M	-23.04M	-30.9M	-69.96M
(Gain) Loss on Sale of Investments - (CF)	-1.11B	-1.69B	-1.5B	-2.75B	-3.45B
Total Asset Writedown	-234M	653M	-43.96M	414M	1.14B
Provision for Credit Losses	10.85B	7.84B	5.94B	5.96B	5.44B
(Income) Loss On Equity Investments - (CF)	-1.1M	-3.25M	-22.66M	-34.6M	-39.37M
Change in Trading Asset Securities	-904M	-18.66B	-38.9B	46.94B	-7.31B
Change in Other Net Operating Assets (Collected)	8.1B	-561M	4.79B	-37.53B	-82B
Other Operating Activities	-13.08B	-13.96B	-14.03B	-13.72B	-12.85B
Cash from Operations	13.98B	-15.32B	-32.04B	11.64B	-86.13B
Capital Expenditure	-881M	-611M	-1.04B	-490M	-1.73B
Sale of Property, Plant, and Equipment	85.6M	102M	134M	102M	96.24M
Cash Acquisitions	-	-	-29.4M	-2.45M	-
Investment in Marketable and Equity Securities, Total	-87.31B	-33.12B	15.12B	-68.28B	-11.31B
Other Investing Activities, Total	16.06B	18.32B	16.65B	15.57B	15.26B
Cash from Investing	-72.05B	-15.31B	30.84B	-53.1B	2.32B
Long-Term Debt Issued, Total	290B	226B	235B	294B	313B
Total Debt Issued	290B	226B	235B	294B	313B
Long-Term Debt Repaid, Total	-243B	-284B	-289B	-245B	-299B
Total Debt Repaid	-243B	-284B	-289B	-245B	-299B
Issuance of Common Stock	4B	2B	-	-	-
Common Dividends Paid	-2.52B	-3.03B	-3.32B	-3.51B	-3.72B
Common & Preferred Stock Dividends Paid	-2.52B	-3.03B	-3.32B	-3.51B	-3.72B
Net Increase (Decrease) in Deposit Accounts - (CF)	27.25B	86.22B	71.5B	-7.04B	86.5B
Other Financing Activities, Total	-1.17B	-842M	-970M	-837M	-513M
Cash from Financing	74.62B	26.29B	12.88B	38.21B	96.12B
Foreign Exchange Rate Adjustments	-37.19M	79.08M	17.75M	17.34M	-41.13M
Net Change in Cash	16.52B	-4.27B	11.69B	-3.23B	12.27B
Supplemental Items
Cash Interest Paid	19.43B	19.85B	19.66B	22.53B	21.1B
Cash Income Tax Paid (Refund)	3.88B	2.21B	2.33B	2.41B	2.9B
Net Debt Issued / Repaid	47.07B	-58.06B	-54.33B	49.6B	13.85B

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Profitability
Return on Assets	0.81	0.8	0.8	0.8	0.78
Return On Equity %	9.64	9.44	9.29	9.14	9.07
Return on Common Equity	9.63	9.25	9.04	8.87	8.82
Shareholders Value Added	-2.34B	-2.84B	-3.25B	-3.74B	-4.04B
Margin Analysis
SG&A Margin	27.45	42.86	42.36	40.06	38.32
Net Interest Income / Total Revenues %	131.19	120.39	106.71	100.99	104.68
EBT Excl. Non-Recurring Items Margin %	56.17	54.84	55.43	57.56	59.22
Income From Continuing Operations Margin %	48.6	49.66	50.53	52.93	53.59
Net Income Margin %	47.8	48.7	49.52	51.69	52.33
Net Avail. For Common Margin %	47.8	47.94	48.44	50.62	51.31
Normalized Net Income Margin	34.31	33.31	33.63	34.73	35.76
Asset quality
Nonperforming Loans / Total Loans %	1.25	1.22	1.19	1.18	1.08
Nonperforming Loans / Total Assets %	0.58	0.57	0.56	0.56	0.52
Nonperforming Assets / Total Assets %	0.58	0.57	0.56	0.57	0.53
NPAs / Loans and OREO	1.26	1.23	1.2	1.21	1.1
NPAs / Equity	6.89	6.71	6.53	6.47	6.29
Allowance for Credit Losses / Net Charge-offs %	-	557.09	1.29K	680.01	758.09
Allowance for Credit Losses / Nonperforming Loans %	340.15	357.57	365.22	361.55	365.5
Allowance for Credit Losses / Total Loans %	4.27	4.36	4.35	4.26	3.94
Net Charge-offs / Total Average Loans %	-	0.81	0.34	0.64	0.55
Provision for Loan Losses / Net Charge-offs %	-	158.3	260.8	133.06	131.46
Earning Assets / IBL	107.4	106.46	104.41	105.92	106.47
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.27	8.35	8.44	8.6	8.48
Total Average Equity / Total Average Assets %	8.39	8.48	8.57	8.72	8.61
Total Equity + Allowance for Loan Losses / Total Loans %	22.29	22.34	22.4	22.76	21.19
Gross Loans / Total Deposits %	73.82	72.16	71.07	75.59	77.43
Net Loans / Total Deposits %	70.67	69.01	67.98	72.36	74.38
Tier 1 Capital Ratio %	12.98	13.84	14.24	14.93	13.27
Total Capital Ratio %	14.77	15.62	15.99	16.12	14.46
Core Tier 1 Capital Ratio	12.47	13.1	13.53	14.24	12.67
Tier 2 Capital Ratio	1.79	1.78	1.75	1.19	1.19
Coverage Ratio	252.2	295.32	350.1	350.51	365.5
Interbank Ratio	132.23	75.83	70.41	96.77	103.57
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.44	1.45	1.46	1.52	1.62
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	8.19	-3.17	-7.52	-4.25	7.85
Non Interest Income, 1 Yr. Growth %	17.34	-23.35	26.21	28.51	-24.01
Provision For Loan Losses, 1 Yr. Growth %	6.3	-27.75	-24.22	0.26	-8.61
Total Revenues, 1 Yr. Growth %	11.26	5.52	4.34	1.17	4.05
Earnings From Cont. Operations, 1 Yr. Growth %	13.47	7.82	6.18	5.97	5.35
Net Income, 1 Yr. Growth %	13.79	7.49	6.1	5.6	5.35
Normalized Net Income, 1 Yr. Growth %	12.06	2.45	5.33	4.49	7.12
Diluted EPS Before Extra, 1 Yr. Growth %	13.55	5.81	5.51	5.43	5.75
Dividend Per Share, 1 Yr. Growth %	13.74	7.49	6.3	5.58	5.35
Gross Loans, 1 Yr. Growth %	14.63	8.68	6.96	5.55	11.62
Allowance For Loan Losses, 1 Yr. Growth %	18.68	11.12	6.68	3.43	3.13
Net Loans, 1 Yr. Growth %	14.45	8.57	6.97	5.65	12
Non Performing Loans, 1 Yr. Growth %	9.86	5.7	4.44	4.48	2.01
Non Performing Assets, 1 Yr. Growth %	9.14	5.62	4.38	7.11	1.48
Total Assets, 1 Yr. Growth %	11.43	6.79	6.6	5.12	9.95
Total Deposits, 1 Yr Growth %	3.71	11.17	8.59	-0.75	8.97
Tangible Book Value, 1 Yr. Growth %	12.14	8.44	7.47	8.24	4.16
Average Interest Earning Assets, 1 Yr. Growth %	12.21	6.63	5.17	3.01	8.73
Average Interest Bearing Liabilities, 1 Yr. Growth %	13.61	7.56	7.24	1.54	8.17
Common Equity, 1 Yr. Growth %	12.05	8.36	7.43	8.15	4.11
Total Equity, 1 Yr. Growth %	12	8.43	7.35	8.15	4.24
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	5.94	2.35	-5.37	-5.9	1.62
Non Interest Income, 2 Yr. CAGR %	18.82	-5.17	-1.65	27.35	-1.18
Provision For Loan Losses, 2 Yr. CAGR %	28.5	-12.36	-26.01	-12.84	-4.28
Total Revenues, 2 Yr. CAGR %	-0.18	8.35	4.93	2.74	2.6
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.36	10.61	6.99	6.07	5.66
Net Income, 2 Yr. CAGR %	-1.03	10.59	6.79	5.85	5.47
Normalized Net Income, 2 Yr. CAGR %	-3.98	7.15	3.88	4.91	5.8
Diluted EPS Before Extra, 2 Yr. CAGR %	-5.94	9.73	5.62	5.47	5.59
Dividend Per Share, 2 Yr. CAGR %	4.78	10.57	6.89	5.94	5.47
Gross Loans, 2 Yr. CAGR %	15.41	11.61	7.81	6.25	8.54
Allowance For Loan Losses, 2 Yr. CAGR %	9.41	14.84	8.87	5.04	3.28
Net Loans, 2 Yr. CAGR %	15.7	11.47	7.77	6.31	8.78
Non Performing Loans, 2 Yr. CAGR %	15.63	7.76	5.07	4.46	3.24
Non Performing Assets, 2 Yr. CAGR %	14.88	7.36	5	5.74	4.26
Total Assets, 2 Yr. CAGR %	10.87	9.09	6.69	5.86	7.51
Total Deposits, 2 Yr CAGR %	7.47	7.38	9.88	3.82	3.99
Tangible Book Value, 2 Yr. CAGR %	9.14	10.27	7.95	7.85	6.18
Average Interest Earning Assets, 2 Yr. CAGR %	9.94	9.38	5.9	4.09	5.83
Average Interest Bearing Liabilities, 2 Yr. CAGR %	10.25	10.54	7.4	4.35	4.81
Common Equity, 2 Yr. CAGR %	9.08	10.19	7.89	7.79	6.11
Total Equity, 2 Yr. CAGR %	8.89	10.2	7.89	7.75	6.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.44	2.82	-1.05	-5	-1.52
Non Interest Income, 3 Yr. CAGR %	-8.98	2.67	4.31	7.52	7.22
Provision For Loan Losses, 3 Yr. CAGR %	20.58	6.06	-16.51	-18.12	-11.45
Total Revenues, 3 Yr. CAGR %	0.09	1.68	7	3.66	3.18
Earnings From Cont. Operations, 3 Yr. CAGR %	1.98	1.61	9.11	6.65	5.83
Net Income, 3 Yr. CAGR %	1.81	1.73	9.08	6.39	5.68
Normalized Net Income, 3 Yr. CAGR %	-1.9	-1.88	6.54	4.08	5.64
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.48	-2.11	8.28	5.56	5.56
Dividend Per Share, 3 Yr. CAGR %	8.08	5.67	9.13	6.45	5.74
Gross Loans, 3 Yr. CAGR %	15.17	13.12	10.04	7.05	8.01
Allowance For Loan Losses, 3 Yr. CAGR %	13.22	9.98	12.05	7.03	4.4
Net Loans, 3 Yr. CAGR %	15.26	13.27	9.95	7.06	8.17
Non Performing Loans, 3 Yr. CAGR %	14.01	12.22	6.64	4.87	3.64
Non Performing Assets, 3 Yr. CAGR %	13.42	11.71	6.36	5.7	4.3
Total Assets, 3 Yr. CAGR %	10.03	9.49	8.25	6.17	7.21
Total Deposits, 3 Yr CAGR %	7.23	8.69	7.78	6.21	5.51
Tangible Book Value, 3 Yr. CAGR %	14.21	8.91	9.33	8.05	6.61
Average Interest Earning Assets, 3 Yr. CAGR %	13.84	8.82	7.96	4.93	5.61
Average Interest Bearing Liabilities, 3 Yr. CAGR %	11.93	9.35	9.43	5.41	5.61
Common Equity, 3 Yr. CAGR %	14.05	8.84	9.26	7.98	6.55
Total Equity, 3 Yr. CAGR %	13.85	8.74	9.24	7.98	6.57
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.22	3.39	3.26	-0.76	0.01
Non Interest Income, 5 Yr. CAGR %	14.28	7.19	-6.11	11.91	2.08
Provision For Loan Losses, 5 Yr. CAGR %	32.31	16.14	-0.82	-1.95	-11.82
Total Revenues, 5 Yr. CAGR %	0.93	0.79	2	2.11	5.22
Earnings From Cont. Operations, 5 Yr. CAGR %	3.96	3.07	3.95	3.37	7.72
Net Income, 5 Yr. CAGR %	3.77	2.83	3.78	3.36	7.62
Normalized Net Income, 5 Yr. CAGR %	0.86	-1.04	0.37	0.78	6.24
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.34	-1.1	0.72	0.84	7.19
Dividend Per Share, 5 Yr. CAGR %	4.77	6.3	7.6	5.78	7.65
Gross Loans, 5 Yr. CAGR %	14.15	13.34	12.17	10.32	9.44
Allowance For Loan Losses, 5 Yr. CAGR %	15.08	14.15	11.46	7.97	8.45
Net Loans, 5 Yr. CAGR %	14.11	13.3	12.2	10.43	9.48
Non Performing Loans, 5 Yr. CAGR %	20.51	18.51	10.35	9.05	5.27
Non Performing Assets, 5 Yr. CAGR %	19.7	17.82	9.97	9.28	5.51
Total Assets, 5 Yr. CAGR %	9.53	8.35	8.68	8.02	7.95
Total Deposits, 5 Yr CAGR %	4.85	5.92	8.28	6.71	6.25
Tangible Book Value, 5 Yr. CAGR %	15.02	12.44	11.66	8.48	8.06
Average Interest Earning Assets, 5 Yr. CAGR %	11.27	9.5	10.59	6.9	7.11
Average Interest Bearing Liabilities, 5 Yr. CAGR %	11.66	10.06	10.1	7.32	7.56
Common Equity, 5 Yr. CAGR %	14.82	12.29	11.55	8.42	7.99
Total Equity, 5 Yr. CAGR %	14.47	12.09	11.43	8.34	8.01