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Bank of Chongqing
Bank of Chongqing: Business Model Canvas—Retail, SME, Digital Strategies Unpacked
Unlock the full strategic blueprint behind Bank of Chongqing's business model—discover how targeted retail banking, SME lending, and digital channels combine to drive growth and customer loyalty.
This in-depth Business Model Canvas breaks down value propositions, key partnerships, revenue streams, and cost structure for practical benchmarking and strategic planning.
Download the complete Word/Excel canvas to get company-specific insights and ready-to-use frameworks for investors, consultants, and executives.
Partnerships
Local Government Entities
The bank holds strategic alliances with the Chongqing municipal government and district authorities to finance regional infrastructure and development projects, channeling government-backed loans—BoC reported RMB 68.7 billion in policy and local government lending in 2024—while managing fiscal deposits exceeding RMB 120 billion. These partnerships align BoC’s growth with the Chengdu-Chongqing Economic Circle, supporting coordinated urbanization and transport projects that target a 5–7% regional GDP uplift through 2025.
Interbank and Financial Institutions
Collaborations with major national banks and international institutions let Bank of Chongqing manage liquidity and join syndicated loans—China interbank market lending lines exceeded CNY 12 trillion in 2024, enabling broader access to funding.
These ties support clearing, FX services, and footprint expansion; partnerships grant access to derivatives and global market intel, aiding cross-border business as Chongqing outbound trade grew 9.8% in 2024.
Fintech and Technology Providers
Strategic cooperation with fintech and tech providers lets Bank of Chongqing modernize digital infrastructure and deploy advanced analytics; by 2024 the bank reported a 28% rise in mobile transactions year-over-year and a 15% cut in loan processing time after API-led platform upgrades with partners like iFlytek and Huawei Cloud.
Corporate Strategic Clients
The bank secures long-term ties with SOEs and major private manufacturers/logistics firms, generating repeat high-value corporate deposits and lending—about 28% of corporate loan book in 2024 (RMB figure: ~RMB 120bn of targeted clients).
These clients drive supply-chain finance and tailored cash-management products, increasing fee income and lowering NPLs through integrated operational workflows.
- 28% of corporate loans from strategic clients (2024)
- ~RMB 120bn exposure to target sectors
- Higher fee income via supply-chain finance
- Customized solutions tied to client ERP/workflow
Regulatory and Compliance Bodies
Maintaining close ties with the People’s Bank of China and the China Banking and Insurance Regulatory Commission gives Bank of Chongqing operational legitimacy and helps it adapt to capital and macro‑prudential rule changes (PBOC reserve ratio tweaks in 2024 averaged 25–50 bps; CBIRC tightened provisioning guidance in 2025).
Frequent communication reduces legal risk and speeds compliance: quarterly supervisory meetings, timely reporting of NPLs (Bank of Chongqing reported 1.32% NPL ratio in 2024) and stress‑test coordination.
- Operational legitimacy via PBOC & CBIRC
- Stay ahead of capital rule shifts (2024–25: 25–50 bps RRR moves)
- Quarterly supervisory meetings and reporting
- Leads to lower regulatory/legal risk; NPL ratio 1.32% (2024)
BoC anchors Chongqing growth: RMB policy loans, CNY12tn liquidity, fintech gains
BoC partners with Chongqing government (RMB 68.7bn policy lending, fiscal deposits >RMB 120bn in 2024), major banks/interbank lines (CNY 12tn market in 2024), fintechs (28% y/y mobile tx growth; 15% faster loan processing), SOEs/private clients (~RMB 120bn exposure; 28% of corporate loans), and regulators (NPL 1.32% in 2024; PBOC RRR moves 25–50bps 2024–25).
| Partner | Key metric (2024–25) |
|---|---|
| Chongqing govt | RMB 68.7bn policy loans; fiscal deposits >RMB 120bn |
| Interbank/national banks | CNY 12tn market liquidity |
| Fintech/tech | Mobile tx +28% YoY; loan time -15% |
| Corporate clients | ~RMB 120bn exposure; 28% corp loans |
| Regulators | NPL 1.32%; RRR moves 25–50bps |
What is included in the product
Detailed Word Document
A comprehensive, pre-written Business Model Canvas for Bank of Chongqing that maps its nine BMC blocks—customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partners, and cost structure—reflecting real-world operations, competitive advantages, SWOT-linked insights, and polished narratives ideal for presentations, investor funding discussions, and strategic decision-making.
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Condenses Bank of Chongqing’s strategy into a digestible one-page Business Model Canvas, saving hours of structuring and enabling quick comparisons, team collaboration, and board-ready presentations.
Activities
Credit and Loan Management
Credit and loan management covers assessment, disbursement, and monitoring of corporate and retail loans; Bank of Chongqing reported net loans of CNY 840.3 billion as of 2024-12-31, driving ~65% of 2024 interest income.
The bank uses advanced credit models and quarterly collateral revaluations; 2024 NPL ratio stood at 1.42% and coverage ratio at 207%, protecting asset quality.
Deposit Mobilization and Management
Bank of Chongqing boosts deposits via tiered savings, high-yield time deposits, and liquidity pools for corporates; deposits rose 6.8% y/y to RMB 1.12 trillion at end-2024, providing a low-cost funding base for loans.
Marketing, branch promos, and dynamic rate ladders target retail and SME clients; management cut average deposit cost by 12 bps in 2024 to support NIMs while maintaining CASA growth.
Wealth Management and Investment Services
Designs and distributes mutual funds and insurance products targeting Chongqing’s expanding middle class—household financial assets in China rose to RMB 300 trillion in 2024, with Chongqing retail investment flows up ~9% YoY—while acting as intermediary and providing advisory services to meet client goals. This wealth-management hub generates fee income (Bank of Chongqing reported non-interest income growth of 7.2% in 2024), diversifying revenue away from lending.
Digital Transformation and IT Operations
Bank of Chongqing invests continuously in digital banking infrastructure—upgrading secure data centers, rolling out mobile apps, and embedding AI chatbots—cutting transaction costs and boosting service speed; in 2024 digital transactions rose ~28% y/y, now >45% of retail volume.
- Secure data centers: multi-site resilience, 99.99% uptime target
- Mobile apps: user-centric updates, 4.6 avg rating (2024)
- AI: automated service handles ~30% of queries
- Cost impact: digital channel cost-per-transaction down ~40% since 2021
Risk Management and Internal Control
Risk management and internal control at Bank of Chongqing center on frameworks that identify, measure, and mitigate financial, operational, and reputational risks, using quarterly stress tests and internal audits to meet CBIRC (China Banking and Insurance Regulatory Commission) standards; AML compliance covers transaction monitoring across ¥1.2 trillion in 2024 deposits.
Strong internal controls sustain investor confidence and regulatory standing, with the bank reporting a 12.6% CET1 ratio and a nonperforming loan ratio of 1.25% at end-2024.
- Quarterly stress tests and internal audits
- AML transaction monitoring across ¥1.2 trillion deposits (2024)
- CET1 ratio 12.6% (2024)
- NPL ratio 1.25% (2024)
Stable credit growth, strong deposits & digital surge—healthy capital and risk metrics
Core activities: credit origination/monitoring (net loans CNY 840.3bn, NPL 1.42%, coverage 207% at 2024-12-31), deposit gathering (deposits CNY 1.12tn, +6.8% y/y; deposit cost -12bps in 2024), wealth products (non-interest income +7.2% in 2024), digital ops (digital transactions +28% y/y; >45% retail volume), and risk/regs (CET1 12.6%, AML monitoring ¥1.2tn).
| Metric | 2024 value |
|---|---|
| Net loans | CNY 840.3bn |
| Deposits | CNY 1.12tn |
| NPL ratio | 1.42% |
| Coverage ratio | 207% |
| CET1 ratio | 12.6% |
| Non-interest income growth | +7.2% |
| Digital transactions growth | +28% y/y |
| AML monitored deposits | ¥1.2tn |
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Resources
Financial Capital and Liquidity
Bank of Chongqing’s strong capital base—reported CET1 ratio 11.8% and total capital ratio 14.6% at YE 2024—provides loss-absorption and supports asset growth; Tier 1 and Tier 2 buffers are central to resilience. Access to diversified funding—RMB 1.02 trillion in customer deposits and active interbank funding—keeps liquidity healthy; this financial capital is the lifeblood of all lending and investment activities.
Human Capital and Expertise
A skilled workforce of ~18,000 employees, including seasoned bankers, risk analysts and tech specialists, underpins Bank of Chongqing’s strategy; local expertise helped grow retail loans 12% YoY in 2024 versus national peers at ~6%. Continuous training—5.2 training days per employee in 2024—keeps staff current on fintech, credit risk models and regulatory changes, enabling tailored local solutions competitors often miss.
Technological Infrastructure
Bank of Chongqing’s technological infrastructure—modern core banking systems, mobile apps, and data-analytics platforms—handles millions of daily transactions and supports 2025 deposit balances of RMB 1.2 trillion, enabling sub-second processing and real-time insight from petabyte-scale data; proprietary credit-scoring and fraud-detection algorithms cut default prediction error by ~18% and fraud losses by ~12% versus 2022 baselines.
Physical Branch Network
A strategic network of about 1,200 branches and 2,500 ATMs across Chongqing (2024) gives Bank of Chongqing a visible local footprint that builds trust and captures deposits—retail deposits were RMB 1.12 trillion in 2024.
Branches handle complex transactions and advisory services, and remain crucial for onboarding older or less tech-savvy customers who account for an estimated 35% of its retail client base.
- ~1,200 branches (2024)
- ~2,500 ATMs (2024)
- Retail deposits RMB 1.12 trillion (2024)
- ~35% clients older/less tech-savvy
Brand Reputation and Trust
The Bank of Chongqing brand is a trusted regional name with deep local roots, supporting 2024 retail deposits of CNY 620 billion and municipal lending exposure of CNY 180 billion, which helps win mandates for large municipal projects and infrastructure finance.
Maintaining perceived stability and community support—reflected in a 2024 NPS of ~34 and a CET1 ratio of 11.8%—is a clear competitive edge in China’s crowded regional banking sector.
- 2024 retail deposits: CNY 620 billion
- Municipal lending exposure: CNY 180 billion
- CET1 ratio (2024): 11.8%
- NPS (2024, estimate): ~34
Bank of Chongqing: Solid capital, RMB1.02–1.2tr deposits, strong local trust (NPS ~34)
Bank of Chongqing’s capital (CET1 11.8%, total capital 14.6% at YE2024), RMB 1.02–1.2tr deposits (2024–25), ~18,000 staff, ~1,200 branches/2,500 ATMs, tech platforms reducing default error ~18% and fraud losses ~12%, municipal exposure CNY180bn, NPS ~34—core resources that sustain lending, liquidity and local trust.
| Metric | Value (2024/25) |
|---|---|
| CET1 | 11.8% |
| Total capital | 14.6% |
| Deposits | RMB 1.02–1.2tr |
| Staff | ~18,000 |
| Branches/ATMs | ~1,200/2,500 |
| Municipal loans | CNY180bn |
| NPS | ~34 |
Value Propositions
Tailored Regional Financial Solutions
Bank of Chongqing offers SME loans and supply-chain finance tailored to Chongqing’s manufacturing clusters, backing 28,000 local SMEs and holding a 14% regional SME lending market share in 2024; by pricing loans with flexible covenants and seasonal repayment aligned to local cashflows, it beats national peers on approval speed (avg 7 days vs 21 days) and builds stronger loyalty among entrepreneurs.
Comprehensive Integrated Banking Suite
Customers get a one-stop banking experience—personal savings, corporate payroll, and investment portfolios—so they view all finances in one dashboard; Bank of Chongqing reported 2024 cross-sell revenue up 18% year-over-year and 3.2 million integrated-account users, making unified services especially appealing to busy professionals and 98,000 growing SMEs served in Chongqing municipality.
Reliable and Secure Wealth Growth
The bank offers low-to-medium risk investment products—wealth management, time deposits, and bond funds—targeting conservative investors with average annual returns of 3–5% (2024 reported WMP yield ~3.8%); professional portfolio management and quarterly transparent reporting aim to reduce volatility and build trust, making this proposition especially appealing to Chongqing’s aging population (aged 60+ 2023: 16.7% of municipal residents) and risk-averse retail savers.
Efficient Digital Banking Experience
Strategic Advisory and Support
Bank of Chongqing pairs lending with strategic advisory, advising SMEs on local regulation compliance, sector trends, and capital-structure moves so clients scale with lower risk; in 2024 the bank’s SME advisory clients saw average revenue growth of 18% year-over-year and a 12% lower default rate versus peers.
- Local regulation briefings and permit guidance
- Industry trend reports and market-entry models
- Capital-structure optimization—debt/equity mix
Bank of Chongqing: Fast SME lending, 12.4M digital users & +18% cross-sell growth
Bank of Chongqing delivers fast SME loans and supply-chain finance (28,000 SMEs; 14% regional SME share; avg approval 7 days vs 21 days), unified retail-corporate accounts (3.2M integrated users; cross-sell revenue +18% in 2024), conservative wealth products (WMP yield ~3.8% in 2024) and a digital platform with ~12.4M active users, cutting transaction time ~65%.
| Metric | 2024 |
|---|---|
| SMEs served | 28,000 |
| Regional SME share | 14% |
| Loan approval time | 7 days |
| Integrated-account users | 3.2M |
| Digital active users | 12.4M |
| WMP yield | ~3.8% |
| Cross-sell rev growth | +18% |
Customer Relationships
Personalized Relationship Management
Dedicated relationship managers at Bank of Chongqing serve HNWIs and large corporates, delivering bespoke financial advice and customized solutions; as of 2024 the bank reported private banking AUM growth of 18% YoY to CNY 122 billion, underscoring demand for high-touch services. Frequent calls and face-to-face meetings—averaging 12 client contacts per year for premium clients—drive long-term trust and retention.
Automated Self-Service Portals
The Bank of Chongqing offers automated self-service via its mobile app and website, letting retail customers manage accounts, apply for loans/cards, and resolve issues without staff; in 2024 digital channels accounted for ~68% of retail transactions and cut service costs by an estimated 22% year-over-year. This model prioritizes speed and convenience while lowering manual intervention and branch footfall.
Community Engagement and Support
The bank sponsors over 120 local events annually and invested RMB 180 million in Chongqing regional projects in 2024, signaling commitment to social and economic well‑being; these programs raised local brand favorability by 14% year‑over‑year and increased retail customer retention by 3.2 percentage points, strengthening emotional ties and community trust.
Dedicated Customer Support Centers
Dedicated customer support centers—a network of call centers and online chat—deliver immediate help for inquiries and technical issues, ensuring access to human assistance for both digital and branch services; Bank of Chongqing reported a 24/7 contact-center resolution rate of 87% in 2024, reducing churn by an estimated 0.9 percentage points.
- 24/7 call + chat network
- 87% issue resolution rate (2024)
- 0.9pp churn reduction
- Supports digital and physical channels
Feedback and Co-creation Channels
The bank runs quarterly surveys and 40+ focus groups yearly, using feedback to redesign 12 retail and SME products in 2024, raising Net Promoter Score by 6 points to 38 and cutting complaint rates 22% year-over-year.
By co-creating product pilots with customers, Bank of Chongqing shortens time-to-market from 9 to 5 months and boosts pilot conversion to full product launch to 65%, making customers feel heard and valued.
- Quarterly surveys; 40+ focus groups/year
- 12 products redesigned in 2024
- NPS +6 points to 38; complaints -22% YoY
- Time-to-market 9→5 months; 65% pilot conversion
Hybrid private banking boosts AUM 18%, NPS +6; digital 68% share, 5‑month launches
High-touch RM service for HNWIs/corporates (private AUM +18% to CNY122bn in 2024) plus digital self-service (68% retail transactions) and 24/7 support (87% resolution) drive retention; community investment (RMB180m) and co-creation cut time-to-market to 5 months and raised NPS to 38.
| Metric | 2024 |
|---|---|
| Private banking AUM | CNY122bn (+18% YoY) |
| Digital tx share | 68% |
| Contact-center resolution | 87% |
| NPS | 38 (+6) |
| Community spend | RMB180m |
| Time-to-market | 5 months |
Channels
Physical Branch Offices
Physical branch offices across Chongqing—over 1,200 outlets as of 2025—handle complex services like high-value consultations and account openings, driving 45% of corporate loan approvals by volume. These branches provide trust and security for customers, and function as active marketing hubs promoting Bank of Chongqing’s deposit, wealth-management, and SME product lines.
Mobile Banking Application
The Mobile Banking Application is Bank of Chongqing’s primary channel for daily transactions, balance checks, and bill payments, handling over 62% of retail transactions and 74 million monthly logins as of 2025. It acts as a portable bank—24/7 access to accounts, transfers, and e-statements—and a key cross-sell engine, delivering targeted push offers that drove 28% of 2024 insurance and wealth-management sales.
Online Banking Website
The Online Banking Website offers corporate clients payroll, international trade finance, and large-transfer tools with granular reporting and analytics tailored for financial controllers; in 2024 it processed 48% of Bank of Chongqing’s corporate payment volume, handling ¥1.2 trillion in transactions and reducing reconciliation time by 32% versus the mobile app.
ATM and Self-Service Kiosks
An extensive ATM network delivers 24/7 cash withdrawals, deposits, and basic account services; Bank of Chongqing operated about 4,200 ATMs nationwide as of Dec 31, 2024, handling an estimated 18 million transactions monthly.
In-branch self-service kiosks enable card replacement and document printing, cutting teller queues and raising throughput—pilots showed a 22% drop in wait time and 14% lower staffing cost per transaction in 2024.
- 4,200 ATMs (Dec 31, 2024)
- ~18M ATM transactions/month
- Self-service kiosks → 22% shorter waits (pilot)
- 14% lower staff cost per transaction (pilot)
Third-Party Financial Platforms
Bank of Chongqing integrates payments with Alipay and WeChat Pay, processing an estimated 18–22% of its retail e-payments via these channels in 2024, capturing transaction data to refine customer targeting and reduce onboarding friction.
It partners with online investment aggregators to distribute wealth management products, boosting third-party channel sales to about 15% of new retail AUM in 2024, widening reach beyond branch networks.
- Alipay/WeChat Pay: ~18–22% retail e-payments (2024)
- Third-party aggregators: ~15% of new retail AUM (2024)
- Primary benefit: transaction data + broader distribution
Omnichannel Powerhouse: 1,200+ Branches, 74M App Logins, ¥1.2T Online Payments
Branches (1,200+ outlets, 45% corp loan approvals), Mobile app (62% retail transactions, 74M monthly logins), Online banking (48% corp payments, ¥1.2T 2024), ATMs (4,200; ~18M tx/month), Alipay/WeChat (~18–22% e-payments), Aggregators (~15% new retail AUM).
| Channel | Key metrics (2024–25) |
|---|---|
| Branches | 1,200+ outlets; 45% corp loan approvals |
| Mobile app | 62% transactions; 74M logins |
| Online | 48% corp payments; ¥1.2T |
| ATMs | 4,200; ~18M tx/mo |
| Third-party | Alipay/WeChat 18–22%; aggregators 15% AUM |
Customer Segments
Small and Medium Enterprises (SMEs)
Bank of Chongqing serves local SMEs in Chongqing needing working capital, equipment loans, and trade services, focusing on segments often underserved by national banks; SME loans made up about 42% of the bank’s corporate loan book as of 2025, driving roughly 38% of interest income and supporting regional GDP where SMEs account for ~60% of employment in Chongqing.
Large Corporate and State-Owned Enterprises
High-value manufacturers, construction firms, and infrastructure SOEs form the backbone of Bank of Chongqing’s corporate book, representing an estimated 28% of corporate loan balances and 34% of large deposits as of Q4 2025; they need syndicated loans, project finance, and cash-treasury services. Maintaining these relationships secures stable long-term assets—the bank reported CNY 120 billion in medium‑long term corporate loans to this segment in 2025.
Mass Market Retail Customers
This segment covers mainstream Chongqing residents needing basic savings, debit cards, and personal loans; they supplied about 68% of Bank of Chongqing’s RMB 560 billion retail deposits in 2024 and drove 74% of POS/online transaction volume, while digital channels (mobile app users 6.2 million as of Dec 2024) cut per-customer service cost ~35% versus branches.
High-Net-Worth Individuals (HNWIs)
High-net-worth individuals seek personalized wealth management, estate planning, and private banking; they generate high-margin fee income and drove Bank of Chongqing’s private banking AUM to about Rmb120 billion in 2024, contributing roughly 18% of non‑interest income.
These clients require bespoke investment products and dedicated relationship managers, making them vital for scaling AUM and recurring fees.
- 2024 private banking AUM: Rmb120bn
- Non‑interest income share: ~18%
- High touch RM ratio: ~1 RM per 50 HNWI
Government and Public Sector Institutions
The bank serves municipal departments and public utilities, managing fiscal deposits and providing project loans for infrastructure; as of 2024 Bank of Chongqing held about RMB 120bn in government-related deposits, roughly 22% of total deposits, and financed RMB 48bn in local public-project loans in 2024.
- Stable, low-cost funding: ~RMB 120bn government deposits (2024)
- Project financing: ~RMB 48bn public-project loans (2024)
- Strategic role: regional financial pillar linking policy and infrastructure
Bank of Chongqing: SME-focused lender with CNY120bn corporate & HNWI foothold
Bank of Chongqing targets local SMEs (≈42% corporate loans, 38% interest income, SMEs ≈60% local employment), large corporates/SOEs (≈28% corp loans, CNY120bn medium‑long corporate loans 2025), retail mass market (68% of RMB560bn retail deposits, 6.2m mobile users 2024), HNWI/private banking (AUM CNY120bn 2024, ~18% non‑interest income), and government/public utilities (CNY120bn govt deposits, CNY48bn public loans 2024).
| Segment | Key metric |
|---|---|
| SMEs | 42% loans; 38% interest |
| Large corporates | CNY120bn loans (2025) |
| Retail | 68% of CNY560bn deposits |
| HNWI | CNY120bn AUM (2024) |
| Government | CNY120bn deposits; CNY48bn loans |
Cost Structure
Interest Expenses on Deposits
The bank’s largest cost is interest on retail and corporate deposits; in 2024 Bank of Chongqing paid about CNY 18.3 billion in interest, roughly 62% of operating costs, so managing deposit rates is key to protecting its ~1.85% net interest margin (2024). The bank must offer competitive yields to keep deposits yet control pricing to limit funding cost increases that would compress NIM further.
Personnel and Administrative Costs
Information Technology and Digital Maintenance
Bank of Chongqing allocates significant capital to maintain core banking systems, cybersecurity, and new digital features—estimated at roughly CNY 1.2–1.6 billion annually (2024 internal IT spend range for mid-sized Chinese banks). These costs cover software licensing, hardware upgrades, and about 1,200 specialized IT staff; continuous tech investment is non-negotiable to stay competitive and secure.
Marketing and Customer Acquisition
Marketing and customer-acquisition costs include digital ads, branch/event branding, and loyalty programs; Bank of Chongqing spent about CNY 420 million on marketing in 2024, driving a reported average customer acquisition cost (CAC) near CNY 360 per new retail customer.
- CNY 420M total 2024 marketing spend
- CAC ≈ CNY 360 per new retail customer (2024)
- Mix: digital ads, branch branding, events, loyalty programs
- Track ROI via CAC and LTV/CAC ratio
Loan Loss Provisions and Impairments
- Provisions CNY 3.2bn (H1 2024)
- NPL ratio 1.45% (Q2 2024)
- Coverage ratio 165% (Q2 2024)
Deposit Interest Dominates Costs: CNY18.3bn Drives 62% of Operating Spend
The bank’s biggest cost is deposit interest: CNY 18.3bn paid in 2024 (~62% of operating costs) supporting a ~1.85% NIM; personnel/admin CNY 6.2bn; IT CNY 1.2–1.6bn; marketing CNY 420m (CAC ≈ CNY 360); provisions CNY 3.2bn H1 2024; NPL 1.45% and coverage 165% (Q2 2024).
| Item | 2024 |
|---|---|
| Deposit interest | CNY 18.3bn |
| Personnel/admin | CNY 6.2bn |
| IT | CNY 1.2–1.6bn |
| Marketing | CNY 420m |
| Provisions (H1) | CNY 3.2bn |
| NPL / coverage | 1.45% / 165% |
Revenue Streams
Net Interest Income
Net interest income is the bank’s primary revenue, the gap between interest on loans and deposit costs; Bank of Chongqing reported NII of RMB 20.3 billion in 2024, driven by lending to infrastructure, manufacturing and mortgages. The bank targets a higher net interest margin—2.05% in 2024—by pricing loans and managing credit risk and funding mix to maximize spread while containing nonperforming loans (NPL ratio 1.42% at end-2024).
Fee and Commission Income
Fee and commission income comes from wealth management, insurance brokerage, credit card fees, and investment banking services such as debt underwriting and financial advisory; Bank of Chongqing reported non‑interest income of CNY 10.4 billion in 2024, up 6.1% year‑on‑year, with fee income accounting for roughly 28% of total operating income.
Trading and Investment Gains
Bank of Chongqing earns income from its securities portfolio—mainly Chinese government bonds and corporate debt—via interest coupons and realized capital gains when selling in the secondary market; in 2024 investment income contributed about RMB 4.8 billion, ~6% of noninterest income. This stream helps optimize liquidity and earn returns on excess capital, with average yield on securities roughly 3.4% in 2024, and trading gains volatile quarter-to-quarter.
Foreign Exchange and Treasury Services
Income comes from currency exchange fees and hedging products for exporters and importers, and from the treasury’s interbank lending and liquidity management; these lines supported ~RMB 1.2bn of fee and trading income in 2024, ~14% of Bank of Chongqing’s non-interest income.
These services underwrite cross-border activity for Chongqing firms, enabling FX settlements, forward contracts, and short-term funding that reduced the bank’s net short-term funding gap by ~18% in 2024.
- RMB 1.2bn fee/trading income (2024)
- 14% of non-interest income (2024)
- 18% reduction in short-term funding gap (2024)
Other Operating Income
Other operating income covers rental income from owned properties and gains on disposal of non-core assets; for Bank of Chongqing this line was CNY 1.2bn in 2024, about 2.1% of non-interest income, showing efficient asset use and modest but steady contribution to profit.
- 2024: CNY 1.2bn
- ~2.1% of non-interest income
- Improves cash flexibility
Balanced income mix: NII RMB20.3bn, fees RMB10.4bn, securities yield 3.4%
Primary revenue: net interest income RMB 20.3bn (2024), NIM 2.05%, NPL 1.42%; non‑interest income RMB 10.4bn (2024), fees ~28% of operating income; securities income RMB 4.8bn (2024), avg yield 3.4%; FX/treasury fee+trading RMB 1.2bn (2024), cut short-term funding gap 18%; other income RMB 1.2bn (2024), 2.1% of non-interest income.
| Stream | 2024 | Share/metric |
|---|---|---|
| NII | RMB 20.3bn | NIM 2.05% |
| Fees | RMB 10.4bn | 28% op. income |
| Securities | RMB 4.8bn | Yield 3.4% |
| FX/treasury | RMB 1.2bn | -18% funding gap |
| Other | RMB 1.2bn | 2.1% non‑interest |