Bank Of Chongqing Co.,Ltd. (601963.SH, 01963.HK) has carried its "dual 10%" growth momentum into the 2026 interim results, with total group assets reaching RMB 1.108909 trillion. Operating revenue hit RMB 8.486 billion, up 10.79% year-on-year, while net profit climbed 10.97% to RMB 3.767 billion. On the asset quality front, its non-performing loan ratio stood at 1.11%, which is 41 basis points lower than the average for commercial banks nationwide and 76 basis points below the average for city commercial banks. In the Hong Kong market, Dah Sing Bank invested HK$241.5 million in June to increase its H-share stake, and multiple brokerages have assigned "Buy" or "Accumulate" ratings.

During the first half of 2026, the bank achieved simultaneous improvements in scale, profitability, and risk control, surging past the "dual trillion" asset milestone. This solid fundamental performance has earned recognition from both securities institutions and Hong Kong-based capital, cementing its status as a long-term investment benchmark.

The most visible change in Bank Of Chongqing's 2026 interim report comes from the synchronized jump in asset size and earnings figures. As of end-June, the group's total assets reached RMB 1.108909 trillion, with the legal entity's total assets at RMB 1.042818 trillion. During the reporting period, the bank generated operating revenue of RMB 8.486 billion, a 10.79% year-on-year increase. Net profit reached RMB 3.767 billion, up 10.97%, while net profit attributable to shareholders rose 10.29% to RMB 3.518 billion. The bank has maintained its "dual 10%" growth trajectory in both revenue and net profit during the first half of the year, achieving a historic "dual trillion" leap in assets.

Behind this expansion lies a solid foundation in deposit and lending operations, alongside risk metrics that outperform the broader industry. During the period, the bank's deposit balance reached RMB 627.202 billion, an increase of RMB 61.498 billion from the start of the year, representing a 10.87% rise. The loan balance grew to RMB 582.459 billion, up RMB 51.175 billion from the year-end level, a 9.63% increase. On asset quality, the NPL ratio stood at 1.11%, down 0.03 percentage points from last year-end. By comparison, the national average NPL ratio for commercial banks was 1.52% and 1.87% for the city commercial bank segment at the end of June. Bank Of Chongqing's NPL ratio sits 41 basis points below the commercial bank average and 76 basis points beneath the city commercial bank average, coming in at less than 60% of the latter's level. Looking at the full set of indicators, the bank has achieved synchronized improvement across its three core pillars - scale, efficiency, and risk management - charting a balanced upward trajectory among listed city commercial banks domestically.

Sustained high-growth stories are rare across the A-share listed banking sector, making Bank Of Chongqing's performance notably scarce. The bank is one of only 13 A-share listed banks to have posted ten consecutive quarters of positive growth in both revenue and net profit. It is also the sole A-share listed bank to have delivered four straight quarters of "dual 10% growth." Looking back at its journey, the bank was the first city commercial bank in western China to achieve an "A+H" listing, and it became the first "A+H" listed city commercial bank nationwide to surpass the RMB 1 trillion asset threshold, a milestone reached in Q3 2025.

This solid operating track record is clearly reflected in the bank's historical returns and dividend levels. In 2025, its A-shares gained 21.64%, ranking fourth among 42 A-share listed banks and second among 17 listed city commercial banks. Its H-shares advanced 37.26%, placing sixth among 30 mainland banks listed in Hong Kong. On shareholder returns, the bank distributed RMB 1.599 billion in cash dividends for 2025, maintaining a payout ratio of 30% and extending a streak of stable, high-level distributions to six consecutive years.

The strong fundamentals have drawn concentrated endorsement from multiple brokerages, which have issued clear valuation calls. Since the start of the year, CITIC Securities, China Merchants Securities, Zhongtai Securities, GTJA Haitong Securities, Galaxy Securities, and Zheshang Securities have all assigned ratings ranging from "Buy" and "Accumulate" to "Recommended" or "Outperform." Notably, Huatai Securities stated in its research report: "The company is deeply embedded in the Chengdu-Chongqing economic circle, with steady credit deployment, stabilizing net interest margins, and standout earnings growth potential. It deserves a valuation premium. We assign a 2026 A/H target PB of 0.77/0.54 times, with target prices of RMB 12.62 and HK$10.06, carrying Accumulate/Buy ratings." Brokers generally believe that after crossing the trillion-asset mark, the bank has not only expanded in scale but also achieved meaningful progress in optimizing funding costs and improving asset quality.

Hong Kong's local capital has also cast a vote of confidence through concrete investment actions. In June 2026, Dah Sing Bank acquired 30 million H-shares of Bank Of Chongqing via a HK$241.5 million block trade, raising its stake to 13.48% - a clear signal of local Hong Kong capital's recognition of the bank's long-term value. From the perspective of Chongqing-Hong Kong connectivity, the bank, through its H-share listing platform, has emerged as a vital bridge linking the real economy of the Chengdu-Chongqing region with the Hong Kong capital market. In the Hong Kong stock market, where mainland regional banks generally face valuation headwinds, Bank Of Chongqing continues to hold undeniable appeal for medium-to-long-term investors seeking stable dividends and long-term certainty, backed by its consistently delivered performance, tightly controlled asset quality, and dependable dividend mechanism.