Bank of Chongqing's headline revenue figures provide a useful starting point.

In 2025, the bank reported revenue of RMB 15.113 billion, up 10.48% year on year, while net profit attributable to shareholders rose 10.49% to RMB 5.654 billion.

The momentum carried into the first quarter of 2026. Revenue increased 11.57% to RMB 3.996 billion and net profit rose 11.22% to RMB 1.898 billion, marking another quarter of double-digit growth in both metrics.

Preliminary results for the first half of 2026 showed revenue of RMB 8.486 billion, up 10.80% year on year; profit before tax of RMB 4.081 billion, up 7.82%; and net profit attributable to shareholders of RMB 3.518 billion, up 10.28%. This marked a fourth consecutive quarter of double-digit growth in both revenue and attributable net profit, making Bank of Chongqing the only bank among the 42 listed on China's A-share market to do so.

A closer look at the revenue mix shows that net interest income has been the principal growth engine. It reached RMB 12.459 billion in 2025, an increase of 22.44%. The momentum remained firm in 2026, with first-quarter net interest income rising 12.83% to RMB 3.548 billion, pointing to another solid first-half performance.

As a locally rooted city commercial bank, Bank of Chongqing has played an active role in supporting the Chengdu-Chongqing Economic Circle and the New International Land-Sea Trade Corridor. Growth backed by strong demand from the real economy is more sustainable and gives the bank a defensible revenue base in an increasingly competitive market.

Fee and commission income tells a different story. Banks' fee businesses have entered a period of deep adjustment amid tighter enforcement of rules requiring reported bancassurance commission rates to match actual payments, lower mutual-fund distribution fees, and volatility in wealth-management markets. Sharper swings in wealth-management markets produced a marked divergence in fee income among listed city commercial banks in 2025. Against the backdrop of interest-rate liberalization, while a handful of institutions continued to grow on the back of the sector's winner-takes-more dynamics, the industry remained broadly under pressure, with several listed city commercial banks recording declines of around 30% in net fee and commission income. Bank of Chongqing held up relatively well: the decline in its fee income narrowed in 2026, with early signs of stabilization and recovery.

The bank has also made headway in improving the quality of its fee income. In 2025, it ranked first in Chongqing by non-financial corporate bond underwriting volume, market share, and number of issues. It also led locally incorporated financial institutions across western China. In trade finance, cross-border renminbi settlement volume increased by more than 120% year on year. These higher-quality fee income streams, underpinned by stronger service capabilities, are gradually displacing traditional conduit business and emerging as a new growth driver.

Net interest margin, or NIM, rose to 1.39% in 2025 from 1.35% in 2024, an increase of 4 basis points. A breakdown of asset yields and funding costs shows what drove the improvement:

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