Chongqing Bank 2025 Annual Report: Net profit grew 10.58% year over year, with losses of nearly 100 million yuan in personal banking business

Ask AI · Chongqing Bank’s assets exceed one trillion yuan—why did the retail business nearly lose one hundred million yuan?

Recently, Chongqing Bank released its 2025 annual report. Last year, Chongqing Bank’s total assets reached 10,337.26 billion yuan, up about 1,771 billion yuan year-on-year, with a growth rate as high as 20.67%, placing it among the trillion-yuan city commercial bank group.

In addition, last year Chongqing Bank’s profit growth accelerated. In 2025, it achieved operating income of 15.113 billion yuan, up 10.48% year-on-year; and net profit of 6.105 billion yuan, up 10.58% year-on-year.

Behind the rapid growth in overall performance, however, Chongqing Bank’s retail business recorded a large loss last year. On the asset side, last year, Chongqing Bank’s loan assets grew at a relatively fast pace.

At the end of 2025, the total amount of Chongqing Bank’s customer loans and advances was 5,312.85 billion yuan, up 20.58% year-on-year.

Chongqing Bank’s loan structure is dominated by corporate loans, with a relatively low proportion of retail loans. As of the end of the 2025 reporting period, the balance of corporate loans was 4,098.67 billion yuan, up 30.95%, accounting for 77.46% of total loans; the balance of retail loans was 967.02 billion yuan, down 0.94% year-on-year, accounting for 18.2% of total loans.

As of the end of 2025, within retail loans, the balance of personal consumption loans and others was 39.754 billion yuan, representing 41.11% of retail loans, down 8.39% year-on-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-on-year. The provision coverage ratio was 245.58%, up 0.5 percentage points year-on-year. As of 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.

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

Chongqing Bank’s operating income growth mainly came from the growth contribution of interest income. In 2025, Chongqing Bank’s interest income was 31.589 billion yuan, up 10.10% year-on-year; interest expense was 19.129 billion yuan, up 3.32%; and net interest income was 12.459 billion yuan, up sharply 22.44% year-on-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-on-year to 5.98 billion yuan. Among other non-interest net income, the bank’s fair value change gains and losses last year were -8.30 billion yuan, with a year-on-year decline as large as 871.95%.

Looking at segment income, last year Chongqing Bank’s Personal Banking business division recorded operating income of 3.176 billion yuan, a slight year-on-year decrease of 5.73%; pre-tax profit was -92.79 million yuan. Compared with 4.44 billion yuan in 2024, the year-on-year decline in pre-tax profit was 120.95%, marking the first time since the bank’s A-share listing that it posted a pre-tax loss in its Personal Banking business.

From the profit statement, last year, the bank’s credit impairment losses for its Personal Banking business were 1.854 billion yuan, up 573 million yuan from the same period last year, a growth rate of 44.73%, which had a major impact on the bank’s pre-tax profit of its Personal Banking business.

Editor: Zheng Chuqiao Reporter: Liu Jinyang Proofreader: Yang Hefang