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name
CQRC BANK
03618.HK
Chongqing Rural Commercial Bank Co., Ltd., together with its subsidiaries, provides banking services in the People’s Republic of China. It operates through Corporate Banking, Personal Banking, and Financial Market Business segments. The Corporate Banking segment offers current accounts, deposits, overdrafts, loans, and trade-related products, as well as engages in foreign currency and other credit services to corporates, government agencies, and financial institutions. The Personal Banking segment provides personal loans, deposit products, cards, personal wealth management services, and other types of personal intermediary services to individual customers.
346.91 B
03618.HKMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Regional BanksIndustry
Industry Ranking1/17
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreB
    • ROE8.70%B
    • Profit Margin51.76%A
    • Gross Margin0.00%E
  • Growth ScoreC
    • Revenue YoY7.52%B
    • Net Profit YoY4.75%C
    • Total Assets YoY7.64%B
    • Net Assets YoY4.62%C
  • Cash ScoreC
    • Cash Flow Margin197.14%C
    • OCF YoY7.52%B
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

Valuation analysis

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Institutional View & Shareholder

Analyst Ratings

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    News
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    Morning Trend | Chongqing Rural Commercial Bank actively lowers, local bank risk sentiment rises again?

    Chongqing Rural Commercial Bank (3618.HK) has recently taken a proactive downward approach, with the daily MACD death cross structure continuing, indicating a clear weak pattern. The stock opened low and continued to decline, consecutively losing the 5-day moving average and important technical levels, with bears dominating the market rhythm and defensive attributes gradually weakening. The main driving factor is the significant risk control pressure on local banks, with net interest margin pressure and deteriorating expectations for credit assets continuously fermenting. Meanwhile, the spillover of real estate credit risks is continuously transmitting to the local financial system. Chongqing Rural Commercial Bank's balance sheet is notably affected by local fiscal and economic fluctuations, leading some long-term funds to choose to reduce holdings for risk aversion. Regulatory trends continue to push for deleveraging and enhance supervision of non-performing assets, increasing overall market vigilance. From a technical analysis perspective, the price is consolidating below the 5-day and 10-day moving averages, showing no effective support. If it breaks below the HKD 4 psychological level today, the previous low of HKD 3.85 is likely to be tested again. The shrinking trading volume and the outflow of funds during the intraday session resonate, which is unfavorable for building a bottoming pattern, while the short-term high-low switching has intensified the defensive or evasive sentiment of the main funds. The rotation of short-term hotspots is accelerating, and the market lacks upward momentum. The banking sector as a whole may need to wait for the full release of industry risks and substantial easing signals from policies before the main funds return. Currently, speculative funds are scarce, and the sector is experiencing severe differentiation, with the elasticity of local financial stocks becoming the source of short-term volatility amplification. Operational advice: Focus on defense and avoid increasing positions against the trend. If holding, adjustments should be made cautiously based on key support levels and intraday fluctuations. If there are no clear signals, it is advisable to remain on the sidelines

    Technical Forecast·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%
    Technical Forecast·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%

    Morning Trend | Chongqing Rural Commercial Bank's theme shows mild recovery, can the regional banks' rebound continue to extend?

    Chongqing Rural Commercial Bank (3618.HK) has recently seen a mild recovery in sentiment, with a daily MACD golden cross beginning to appear, indicating a phase of catch-up for regional banks. The company is rooted in the economically active western region, with stable performance and good asset quality. On the market, capital activity is warming up, with major players primarily accumulating shares at low levels, gradually forming a rebound structure. From an industry perspective, under the policy direction of stabilizing growth, there is significant room for valuation recovery among local banks, with marginal improvement in risk appetite. In the short term, attention should be paid to whether the stock price can break through previous highs and the support of the 5-day and 10-day moving averages. If accompanied by trading volume, it could open up space for further catch-up. If the market retracts or themes rotate, it will test the capital absorption capacity of regional banks, and caution is needed regarding profit-taking after the catch-up. It is recommended to observe the return of funds and thematic catalysts after selling pressure is released, and to participate on dips along the support zone when the opportunity arises, capturing the main line of catch-up. Overall, Chongqing Rural Commercial Bank shows a positive phase trend, with attention on the sustained strength of capital and industry news stimuli for extension space

    Technical Forecast·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%
    Technical Forecast·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%

    "Performance" Chongqing Rural Commercial Bank earned RMB 10.694 billion in the first three quarters, an increase of 3.7%

    Chongqing Rural Commercial Bank announced its third-quarter report for the period ending in September, achieving an operating income of RMB 21.657 billion, a slight increase of 0.8% year-on-year. The net profit attributable to shareholders was RMB 10.694 billion, an increase of 3.7%, with earnings per share of 0.92 yuan. For the third quarter alone, the operating income was RMB 6.921 billion, an increase of 1.2%. The net profit attributable to shareholders was RMB 2.995 billion, an increase of 1.5%, with earnings per share of 0.25 yuan

    AASTOCKS·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%
    AASTOCKS·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%

    Chongqing Rural Commercial Bank's net profit attributable to shareholders for the first three quarters was 10.694 billion yuan, a year-on-year increase of 3.74%

    Chongqing Rural Commercial Bank achieved a net profit attributable to shareholders of RMB 10.694 billion in the first three quarters of 2025, a year-on-year increase of 3.74%. The group's net profit was RMB 10.925 billion, an increase of 3.32%. The annualized return on total assets was 0.92%, a decrease of 0.03 percentage points; the annualized return on equity was 10.82%, a decrease of 0.30 percentage points. Operating income was RMB 21.657 billion, an increase of 0.81%. The balance of non-performing loans was RMB 8.711 billion, with a non-performing loan ratio of 1.12%, a decrease of 0.06 percentage points

    Zhitong·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%
    Zhitong·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%

    Chongqing Rural Commercial Bank: 542,200 shares of restricted stock from the initial public offering will be unlocked in 2025

    Chongqing Rural Commercial Bank announced that 542,155 restricted shares from its initial public offering will be unlocked and listed for trading starting from October 30, 2025, with a lock-up period of 72 months. These restricted shares are held by 153 individual shareholders, accounting for 0.05% of the total shares. The remaining restricted shares amount to 5,421,550 shares, and the sponsoring institution has confirmed compliance with relevant requirements, ensuring that the information disclosed is true, accurate, and complete

    Zhitong·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%
    Zhitong·
    SH
    601077
    -1.51%
    HK
    03618
    +1.09%
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