Bank of Chongqing released its unaudited 2026 interim report, highlighting double-digit earnings momentum and steady asset expansion for the six months ended 30 June 2026.

Operating Results • Operating income rose 12.06 % to RMB8.43 billion, underpinned by a 26.04 % jump in net interest income to RMB7.39 billion. • Net profit advanced 10.97 % year-on-year to RMB3.77 billion, lifting annualised ROAE to 12.03 % (H1 2025: 11.52 %). • Net interest margin widened 7 basis points to 1.46 %, while cost-to-income edged up to 25.37 %. • Net fee and commission income declined 11.81 % to RMB0.32 billion, reflecting softer wealth-management fees.

Balance-sheet Expansion • Total assets climbed 7.27 % from end-2025 to RMB1.11 trillion. • Gross loans reached RMB582.46 billion, up 9.63 %, with corporate lending leading at RMB462.80 billion (+12.91 %). Retail loans fell 8.43 % to RMB88.55 billion. • Customer deposits increased 10.87 % to RMB627.20 billion, driven by a 15.32 % surge in individual time deposits. • The loan-to-deposit ratio eased 105 basis points to 92.87 %.

Asset Quality • The non-performing loan ratio improved to 1.11 % (end-2025: 1.14 %). • Special-mention loans fell to 1.81 % of total lending (end-2025: 1.94 %). • Allowance coverage strengthened to 247.31 %.

Capital & Liquidity • Capital adequacy ratio stood at 12.38 % (end-2025: 12.55 %); core Tier 1 ratio was 8.56 %. • Liquidity ratio declined to 182.94 % (end-2025: 213.83 %). • The bank held RMB6.999 billion in perpetual bonds and RMB12.08 billion of convertible bonds outstanding after conversions totalling RMB1.44 billion in H1.

Operational Highlights • Green-finance exposure surpassed RMB100 billion, and manufacturing loans exceeded RMB41 billion. • Inclusive small-and-micro enterprise loan balance exceeded RMB77 billion; agriculture-related loans topped RMB57 billion. • Digital transformation progressed with deployment of a generative-AI platform and rollout of seven new AI applications, including an Intelligent Compliance Assistant.

Dividends The board confirmed that no interim dividend or capital-reserve conversion plan has been proposed for H1 2026.

Governance & Outlook All regulatory capital and asset-quality metrics remained within supervisory thresholds. Management reaffirmed commitment to the “Five Highs” strategy—high targets, transformation, efficiency, service and development—as it supports regional initiatives such as the Chengdu-Chongqing Economic Circle and the New Western Land-Sea Corridor.

The interim financials are unaudited and were approved by the board on 20 August 2026.