Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) Bundle
Rooted in Chongqing since 1951 and managing a market footprint valued at HKD 79.02 billion (Dec 2025), Chongqing Rural Commercial Bank channels its mission-"Serve Customers, Repay Shareholders, Achieve Employees, and Contribute to Society"-into measurable outcomes: CNY 22.27 billion revenue in 2024 (up 1.17%) and CNY 11.27 billion net income (up 5.72%), a stock price of HKD 6.16 (52-week range HKD 4.18-7.14) and a strategic vision to "Strive to become a leading regional bank in China"; its core values fuel tangible impact from a mobile app launch in 2023 with over 1,000,000 downloads in the first month to the RMB 100 million invested in local development (2023) that reached 50,000 residents, a 20% surge in new rural accounts via the 2024 Rural Finance Service Network, financial literacy programs for 30,000 people, and a 25% rise in inter-departmental projects-evidence of a customer-centric, integrity-driven, innovation-focused institution pursuing regional leadership.
Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) - Intro
Overview and strategic positioning- Founded in 1951 and headquartered in Chongqing, China, Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) is a leading regional commercial bank focused on retail, SME and agricultural finance.
- Operates through three principal segments: Corporate Banking, Personal Banking and Financial Market Business, offering current accounts, deposits, loans, trade finance and wealth-management products.
- As of December 2025 the bank's market capitalization is approximately HKD 79.02 billion and its stock price traded at HKD 6.16 (52-week range: HKD 4.18-7.14).
- To empower local economies by providing accessible, reliable and digitally enhanced financial services to individuals, SMEs and agricultural communities across Chongqing and surrounding regions.
- Prioritize financial inclusion, risk-conscious growth and client-centric innovation to support sustainable regional development.
- To be the leading rural-commercial bank in western China recognized for technological leadership, prudent risk management and deep community impact.
- Drive a transformation toward digital-first banking that retains personalized regional service and strengthens capital resilience.
- Customer Focus - tailor services for households, SMEs and farmers with efficiency and empathy.
- Integrity & Compliance - maintain strong governance and regulatory adherence.
- Innovation - leverage technology to enhance access, reduce costs and streamline processes.
- Community Commitment - reinvest in regional development and agricultural finance.
- Prudence - conservative credit culture and disciplined capital management.
| Metric | Value | Notes |
|---|---|---|
| Revenue (2024) | CNY 22.27 billion | Up 1.17% vs 2023 |
| Net income (2024) | CNY 11.27 billion | Up 5.72% vs 2023 |
| Market capitalization (Dec 2025) | HKD 79.02 billion | Hong Kong listing: 3618.HK |
| Share price (Dec 2025) | HKD 6.16 | 52-week range: HKD 4.18-7.14 |
| Mobile app launch | 2023 | Over 1 million downloads in first month |
| Business segments | Corporate, Personal, Financial Markets | Comprehensive product suite: loans, deposits, trade finance |
- Digital adoption: continue expanding mobile/online user base beyond initial 1M-download milestone to increase active digital customers and reduce branch transaction costs.
- Credit quality: maintain conservative NPL coverage and CET1 ratios aligned with regulatory requirements while supporting SMEs and agricultural loans.
- Profitability: target steady net income growth through margin optimization, fee income expansion and controlled cost-to-income ratio.
- Regional development: deepen penetration in Chongqing and adjacent provinces to capture underserved retail and agricultural segments.
Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) - Overview
Mission Statement
Chongqing Rural Commercial Bank's mission is to 'Serve Customers, Repay Shareholders, Achieve Employees, and Contribute to Society,' emphasizing a balanced approach to stakeholder engagement. This mission drives the bank's strategy across retail, SME and agricultural finance, risk management, and community initiatives.
- Serve Customers: deliver diverse, high-quality financial services tailored to individuals, SMEs, agricultural clients and rural communities.
- Repay Shareholders: prioritize sustainable profitability and dividend discipline to preserve and grow shareholder value.
- Achieve Employees: foster a supportive workplace with training, career pathways and performance-driven rewards to retain talent.
- Contribute to Society: support local economic development, rural revitalization and targeted social finance programs.
Mission in Practice - Key Operational Focus Areas
- Retail banking expansion in Chongqing and surrounding provinces, including digital channels and consumer lending.
- SME and agricultural lending products designed to improve rural liquidity and productivity.
- Risk controls and asset quality management to sustain returns for shareholders.
- Employee development programs and incentive mechanisms to align staff outcomes with long-term strategy.
Selected Financial and Operational Metrics (Recent Annual Snapshot)
| Metric | Latest Reported Value (RMB) | Notes |
|---|---|---|
| Total Assets | 1.05 trillion | Consolidated balance sheet scale across retail and corporate portfolios |
| Net Profit (Annual) | 10.5 billion | Profit after tax attributable to shareholders |
| Loans and Advances | 600 billion | Gross lending to individuals, SMEs and agriculture |
| Customer Deposits | 800 billion | Core funding base from retail and corporate clients |
| Non-Performing Loan (NPL) Ratio | 1.25% | Reflects asset quality and provisioning trends |
| Capital Adequacy Ratio (CAR) | 12.8% | Regulatory capital buffer vs. risk-weighted assets |
| Return on Equity (ROE) | ~12.0% | Indicator of shareholder returns |
Vision
To be a leading regional commercial bank rooted in Chongqing that combines traditional rural banking strengths with modern financial services, digital transformation and sustainable growth-serving as a financial cornerstone for local economic development.
- Deepen market penetration in Chongqing and adjacent areas while scaling digital channels nationally.
- Innovate products for agriculture, rural revitalization and micro/SME sectors to improve financial inclusion.
- Maintain prudent capital and credit risk management to support long-term stability.
Core Values
- Customer-first: prioritize client needs across product design, service delivery and digital access.
- Integrity: uphold transparent governance, regulatory compliance and ethical conduct.
- Performance: pursue sustainable profitability to ensure shareholder returns and reinvestment.
- People-centricity: invest in employee development, fair compensation and a meritocratic culture.
- Social responsibility: commit resources to community development, poverty alleviation and green finance initiatives.
For a deeper financial analysis and investor-oriented breakdown, see: Breaking Down Chongqing Rural Commercial Bank Co., Ltd. Financial Health: Key Insights for Investors
Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) - Mission Statement
Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) frames its mission around deep local anchoring, inclusive finance, and sustainable regional development. The mission prioritizes providing accessible financial services to households, small and medium-sized enterprises (SMEs), agricultural producers and local governments across Chongqing and adjacent provinces, while balancing profitability with social responsibility and risk-controlled growth.- Serve local economies: prioritize credit, deposit and payment solutions tailored to rural and peri-urban communities.
- Enable SME growth: structured lending, supply-chain finance and digital products for micro and small businesses.
- Promote financial inclusion: expand branch and digital reach to underbanked populations and agricultural value chains.
- Deliver sustainable returns: manage asset quality and capital adequacy to support long-term regional development.
- Regional dominance: increase market share in Chongqing and neighboring provinces through branch network optimization and targeted product suites.
- Customer-centricity: combine traditional branch service with digital platforms to raise customer penetration and cross-sell ratios.
- Technological advancement: invest in fintech, risk analytics and digital channels to improve efficiency and credit decisioning.
- Community programs: support local infrastructure, agricultural modernization and SME training programs to foster inclusive growth.
| Metric | Value | Notes |
|---|---|---|
| Total assets (RMB) | ≈ 1.1 trillion | Consolidated balance-sheet scale reflecting retail and corporate lending footprint |
| Net profit (RMB) | ≈ 12-16 billion | Profit driven by net interest income and controlled cost-to-income trends |
| Return on Equity (ROE) | ≈ 8%-10% | Indicative of regional-bank profitability norms after provisioning |
| Non-performing loan (NPL) ratio | ≈ 1.5%-3.0% | Managed through targeted collection and restructuring programs |
| Common Equity Tier 1 (CET1) / CAR | ≈ 10%-13% | Maintained to meet regulatory requirements and support lending growth |
| Branch & outlet network | Several hundred outlets | Extensive coverage in Chongqing municipality and surrounding counties |
| Digital penetration | Rapidly growing (mobile & internet banking users in millions) | Ongoing investments in app, e-payments and SME platforms |
- Portfolio mix targets: grow retail and SME lending share while keeping corporate concentration within risk limits.
- Branch modernization KPIs: upgrade core-banking systems across a defined percentage of outlets annually.
- Digital adoption goals: increase active mobile users and digital transaction volumes year-on-year.
- Community impact metrics: track loans to agriculture, microenterprises and government-supported projects.
Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) - Vision Statement
Chongqing Rural Commercial Bank Co., Ltd. (3618.HK) envisions becoming the leading rural-finance-focused commercial bank in western China, delivering accessible, trustworthy and technologically advanced financial services that drive sustainable local development, inclusive growth, and measurable social impact. Mission Statement Chongqing Rural Commercial Bank commits to:- Providing customer-centric, reliable financial products and services tailored for rural and peri-urban communities.
- Promoting economic empowerment and financial inclusion through targeted lending, deposits, and financial literacy.
- Maintaining high standards of governance, transparency and ethical conduct in all operations.
- Leveraging digital innovation and human capital to enhance efficiency, accessibility and product relevance.
- Customer-Centric Service: Prioritizing deep understanding of client needs-evidenced by the 2024 Rural Finance Service Network rollout that expanded services in underserved areas and produced a 20% increase in new account openings among rural clients.
- Integrity and Transparency: Upholding ethical practices and corporate governance-recognized by the 'Best Corporate Governance Award' in 2022.
- Responsibility to Community: Investing in social development-approximately RMB 100 million invested in local projects in 2023, impacting over 50,000 rural residents; and delivering financial education to more than 30,000 individuals in 2024 through the Financial Literacy Campaign.
- Innovation and Excellence: Embracing tech-driven service delivery-the bank launched a mobile banking app in 2023 which exceeded 1,000,000 downloads within the first month, materially improving digital engagement and service reach.
- Teamwork and Collaboration: Building internal synergies-quarterly team-building and cross-functional programs led to a 25% increase in inter-departmental projects in 2023, enhancing operational efficiency and product innovation.
- Realistic and Advancing (Truth-seeking and Enterprising): Applying pragmatic, results-oriented approaches to address the evolving needs of customers and stakeholders.
| Priority | Key Initiative | 2023/2024 Outcome |
|---|---|---|
| Financial Inclusion | Rural Finance Service Network expansion | 20% rise in new rural accounts (2024) |
| Community Investment | Local development projects | RMB 100 million invested; >50,000 residents impacted (2023) |
| Financial Literacy | Financial Literacy Campaign | 30,000+ rural beneficiaries (2024) |
| Digital Transformation | Mobile banking app launch | 1,000,000+ downloads in first month (2023) |
| Corporate Governance | Governance and transparency initiatives | 'Best Corporate Governance Award' (2022) |
| Organizational Collaboration | Quarterly team-building & cross-department programs | 25% increase in inter-departmental projects (2023) |
- Product design: rural-tailored loans, micro-savings and agri-finance products informed by field data from the Rural Finance Service Network.
- Service delivery: branch outreach combined with digital channels to ensure both in-person support and scalable access via the app.
- Risk & governance: transparent disclosure practices and strengthened internal controls aligned with award-winning governance standards.
- Community programs: sustained funding and volunteer-driven financial education measured by beneficiary counts and follow-up engagement metrics.
- People & culture: performance metrics tied to collaboration outcomes, cross-functional KPIs and continual skills development.
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