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Chongqing Rural Commercial Bank Co Class H (HK:3618)
:3618

Chongqing Rural Commercial Bank Co (3618) AI Stock Analysis

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HK:3618

Chongqing Rural Commercial Bank Co

(3618)

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Outperform 73 (OpenAI - 5.2)
Rating:73Outperform
Price Target:
HK$7.00
The score is primarily supported by attractive valuation (low P/E and strong dividend yield) and generally solid financial performance, especially the improved leverage profile and stable returns. This is partly offset by mixed technical momentum and noted volatility in revenue and cash flows.

Chongqing Rural Commercial Bank Co (3618) vs. iShares MSCI Hong Kong ETF (EWH)

Chongqing Rural Commercial Bank Co Business Overview & Revenue Model

Company DescriptionChongqing Rural Commercial Bank Co., Ltd., together with its subsidiaries, provides a range of banking and related financial services in the People's Republic of China. It operates in three segments: Corporate Banking, Personal Banking, and Financial Market Operations. The Corporate Banking segment offers financial products and services, including deposit takings, corporate loans, trade financing, financial leasing, and other corporate intermediary services to corporations, government agencies, and financial institutions. The Personal Banking segment provides financial products and services, such as deposit products, personal loans, cards, personal wealth management services, and other types of personal intermediary services to individual customers. The Financial Market Operations segment conducts money market or repurchase transactions; and invests in debt instruments for its own accounts or on behalf of customers. The company also provides mobile banking, Internet banking, and telephone banking services. As of 31 December 2021, it had operated 1,760 branches, including the head office and the business department, 7 branches, 35 first-class sub-branches, 134 second-class sub-branches, 2 community sub-branches, and 1,580 branch offices, as well as 145 self-service 24-hour banking centers. The company was formerly known as Chongqing Rural Credit Union and changed its name to Chongqing Rural Commercial Bank Co., Ltd. in 2008. Chongqing Rural Commercial Bank Co., Ltd. was founded in 1951 and is headquartered in Chongqing, China.
How the Company Makes Money

Chongqing Rural Commercial Bank Co Financial Statement Overview

Summary
Income Statement
Balance Sheet
Cash Flow
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue31.75B52.28B22.02B54.73B56.53B17.97B
Gross Profit17.59B27.68B22.02B28.88B31.01B17.97B
EBITDA8.66B13.69B0.0012.38B12.05B0.00
Net Income12.18B11.51B10.90B10.28B9.56B8.40B
Balance Sheet
Total Assets1.81T1.52T1.44T1.35T1.27T1.14T
Cash, Cash Equivalents and Short-Term Investments0.0018.91B240.07B147.56B169.44B264.26B
Total Debt509.64B12.33B120.72B171.73B225.43B22.93B
Total Liabilities1.66T1.38T1.32T1.24T1.16T1.04T
Stockholders Equity143.80B132.13B122.17B113.72B104.95B93.67B
Cash Flow
Free Cash Flow-85.62B11.15B38.42B70.29B40.35B41.58B
Operating Cash Flow-84.73B11.64B39.46B70.90B41.23B42.37B
Investing Cash Flow-25.96B-53.10B30.84B-15.31B-72.05B-37.89B
Financing Cash Flow112.12B38.21B-58.62B-59.93B47.37B-5.69B

Chongqing Rural Commercial Bank Co Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison

Chongqing Rural Commercial Bank Co Corporate Events

Chongqing Rural Commercial Bank Sets 30% Payout in 2025 Interim Dividend Plan
Dec 23, 2025

Chongqing Rural Commercial Bank has approved an interim profit distribution plan for the first half of 2025, after reporting net profit attributable to the parent company of RMB7.699 billion. The bank will distribute a cash dividend of RMB2.310 billion, equivalent to RMB2.0336 per ten shares (30% of attributable net profit), with any change in total share capital before the equity registration date leading to adjustment of the total distribution amount while keeping the per-share figure unchanged. The interim dividend will be paid on 23 January 2026 to H-share holders on the register as of 15 January 2026, with A-share dividends paid in RMB and H-share dividends paid in HKD at an exchange rate of RMB1.00 to HKD1.102531, resulting in HKD0.224211 per H share. The bank has also announced a temporary closure of the H-share register from 12 to 15 January 2026 to determine dividend entitlements and outlined withholding tax arrangements for non-resident enterprise and individual H-shareholders, underscoring regulatory compliance and clarifying net returns for overseas investors.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Announces Interim Cash Dividend and Sets Tax Treatment for H-Share Investors
Dec 23, 2025

Chongqing Rural Commercial Bank Co., Ltd., a Hong Kong-listed mainland Chinese commercial bank serving retail and corporate customers in and around Chongqing, has announced an interim ordinary cash dividend for the six months ended 30 June 2025. The board declared an interim dividend of RMB 2.0336 per 10 shares (equivalent to HKD 2.24211 per 10 shares) for the 2025 financial year, with shareholders’ approval obtained in May 2025. The H-share counter will trade ex-dividend on 8 January 2026, with the record date set for 15 January 2026 and payment due on 23 January 2026, signaling continued capital returns to investors. The announcement also clarifies detailed withholding tax arrangements for different categories of non-resident shareholders and for mainland investors using Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect, outlining applicable tax rates of 10–20% and confirming that mainland enterprise shareholders investing via Stock Connect will handle their own tax filings, which may affect the net dividend received by various investor groups.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Reshapes Board Committees After Director Changes
Dec 23, 2025

Chongqing Rural Commercial Bank has adjusted the composition of the special committees under its board of directors following recent appointments and resignations of non-executive and independent non-executive directors. To ensure continuous, effective performance of board oversight functions and compliance with Hong Kong listing rules and its own governance procedures, the bank has reconstituted its strategic development, risk management, audit, nomination, remuneration and related party transaction supervision committees, designating new chairs and members across these key governance bodies.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Details Board Composition and Committee Roles
Dec 23, 2025

Chongqing Rural Commercial Bank Co., Ltd. has announced the current composition of its board of directors, comprising one executive director, four non-executive directors and three independent non-executive directors, together with a detailed allocation of their roles across eight board committees. The updated list clarifies chairmanships and memberships of key committees such as strategic development, risk management, audit, nomination, remuneration, related party transaction supervision, Sannong financial services and consumer rights protection, underscoring the bank’s governance framework and oversight structure for risk, strategy and stakeholder protection.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Approves Amendments to Articles of Association
Dec 15, 2025

Chongqing Rural Commercial Bank Co., Ltd. announced that its shareholders approved amendments to its Articles of Association during the 2025 First Extraordinary General Meeting. Further amendments were made in line with guidance from the Chongqing State-owned Assets Supervision and Administration Commission. These changes, which will take effect upon approval by the Chongqing office of NFRA, are expected to impact the bank’s governance structure and operational framework.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Announces Board Reshuffle
Dec 11, 2025

Chongqing Rural Commercial Bank Co., Ltd. has announced the appointment of three new non-executive directors, Mr. Ma Bao, Mr. Dong Bin, and Mr. Yuan Gang, following the approval of their qualifications by the National Financial Regulatory Administration Chongqing Office. This change comes alongside the resignation of several directors, including Ms. Hu Chun and Mr. Yin Xianglin, due to personal work arrangements, and Mr. Zhang Qiaoyun, who stepped down after serving six years as an independent non-executive director. These changes in the board composition are effective from December 11, 2025, and reflect the bank’s ongoing efforts to align with regulatory requirements and enhance its governance structure.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Announces Board Composition and Governance Roles
Dec 11, 2025

Chongqing Rural Commercial Bank Co., Ltd. announced the composition of its board of directors and their roles within the organization. The board consists of executive, non-executive, and independent non-executive directors, with Mr. Sui Jun performing duties on behalf of the Chairman of the Board and President of the Bank. The announcement also details the directors’ roles in various committees, highlighting the bank’s governance structure. This update provides stakeholders with insights into the bank’s leadership and governance, which could impact its strategic direction and operational oversight.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Approves Key Resolutions at Extraordinary General Meeting
Dec 10, 2025

Chongqing Rural Commercial Bank Co., Ltd. announced that all resolutions proposed at its 2025 first extraordinary general meeting held on December 10, 2025, were duly passed by the shareholders via poll. The meeting saw participation from 577 shareholders and proxies, with a significant portion of voting rights exercised. The approval of amendments to the Articles of Association was among the key resolutions passed, reflecting the bank’s strategic adjustments and governance enhancements.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Issues RMB1 Billion Sci-Tech Innovation Bonds
Dec 5, 2025

Chongqing Rural Commercial Bank Co., Ltd. has successfully completed the issuance of RMB1 billion sci-tech innovation bonds in the national inter-bank bond market. The 5-year fixed-rate bonds, with a coupon rate of 1.88%, aim to support the sci-tech innovation sector, facilitating the issuance of sci-tech loans and investments, thereby enhancing the bank’s commitment to innovation-driven financial services.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Announces 2025 Extraordinary General Meeting
Nov 24, 2025

Chongqing Rural Commercial Bank Co., Ltd. has announced the convening of its 2025 first extraordinary general meeting (EGM) scheduled for December 10, 2025. The meeting will address several key resolutions, including amendments to the Articles of Association and the Rules of Procedures for both the Shareholders’ Meeting and the Board. Additionally, the bank plans to discuss the cancellation of the establishment of its Board of Supervisors, indicating a significant structural change within the organization.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Proposes Governance Amendments
Nov 20, 2025

Chongqing Rural Commercial Bank Co., Ltd. has announced proposed amendments to its Articles of Association, Rules of Procedures for the Shareholders’ Meeting, and Rules of Procedures for the Board. These changes aim to enhance corporate governance, strengthen the Party’s leadership, and protect stakeholders’ rights. The amendments are subject to shareholder approval and regulatory consent, with the goal of standardizing operations and improving decision-making processes.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Announces Member Register Closure for 2025 EGM
Nov 20, 2025

Chongqing Rural Commercial Bank Co., Ltd. has announced the closure of its register of members to prepare for the 2025 first extraordinary general meeting scheduled for December 10, 2025. This meeting will allow registered H share holders to attend and vote, impacting shareholder engagement and governance processes.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Reports Steady Q3 2025 Financial Performance
Oct 28, 2025

Chongqing Rural Commercial Bank Co., Ltd. announced its unaudited financial results for the third quarter of 2025, reporting a slight increase in operating income and net profit compared to the same period last year. Despite a decrease in net cash flows from operating activities, the bank maintained a stable performance with a minor decline in return on net assets and total assets, indicating steady growth and resilience in its financial operations.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Chongqing Rural Commercial Bank Schedules Board Meeting for Quarterly Results
Oct 16, 2025

Chongqing Rural Commercial Bank Co., Ltd. announced a board meeting scheduled for 28 October 2025 to review and approve the unaudited quarterly results for the nine-month period ending 30 September 2025. This meeting is significant for stakeholders as it will provide insights into the bank’s financial performance and strategic direction.

The most recent analyst rating on (HK:3618) stock is a Buy with a HK$7.55 price target. To see the full list of analyst forecasts on Chongqing Rural Commercial Bank Co stock, see the HK:3618 Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jan 04, 2026