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重庆银行净息差上升7个基点 Q2中收增速转正_我的网站
一 | 在城商行板块“对公重回增长主轴”的周期性切换中，重庆银行再度交出亮眼的成绩单。 Chinese President Xi Jinping on Monday hailed the "indelible contributions" of late leader Jiang Zemin and urged the whole Communist Party of China (CPC) and the Chinese people of all ethnic groups to continue advancing the cause of socialism with Chinese characteristics. Xi, also general secretary of the CPC Central Committee and chairman of the Central Military Commission, made the remarks at a grand gathering at the Great Hall of the People in Beijing marking the centenary of Jiang's birth. "We pay high tribute to his towering achievements and learn from his noble demeanor," Xi said, calling for continuous efforts to create better lives for the Chinese people and write an even more brilliant chapter for the Chinese nation. In his tribute, Xi described Jiang as a long-tested communist fighter and an outstanding leader of the great cause of socialism with Chinese characteristics. Jiang was the core of the third generation of the Party's central collective leadership and the principal founder of the Theory of Three Represents. Jiang was born in August 1926 in Yangzhou, Jiangsu Province. In 1989, he was elected general secretary of the CPC Central Committee. He passed away in 2022 at the age of 96. About 6,000 people were present at Monday's commemoration, which was presided over by Li Qiang and attended by Zhao Leji, Wang Huning, Cai Qi, Ding Xuexiang, and Li Xi -- all members of the Standing Committee of the Political Bureau of the CPC Central Committee -- as well as Vice President Han Zheng. Xi and other leaders met with members of Jiang's family and took group photos with them before the gathering began. FIRMNESS IN POLITICAL CONVICTION Jiang made indelible contributions to safeguarding the great cause of socialism with Chinese characteristics, breaking new ground in reform and opening up in all respects, achieving overall moderate prosperity in people's lives and successfully advancing the cause of socialism with Chinese characteristics into the 21st century, Xi said. Xi spoke highly of Jiang's steadfast commitment to communist ideals and his devotion to the Party and the people, calling on Party members to draw strength from his firm political conviction. He highlighted Jiang's view that the farther the country advances along the path of reform and opening up and the more its economy develops, the more crucial it becomes to strengthen the Party's leadership and improve Party building. On the new journey, Xi stressed, it is imperative to uphold the overall leadership of the Party and the centralized, unified leadership of the CPC Central Committee, unswervingly strengthen the full and rigorous Party self-governance, and ensure the Party remains the strong leadership core in the cause of socialism with Chinese characteristics. Jiang always stood with the people and cared for their well-being, Xi said, calling for efforts to learn from the late leader's dedication to and profound love for the people. Jiang pointed out that the fundamental goal of economic development is to raise people's living standards. He also placed emphasis on building a moderately prosperous society at a higher level in an all-round way that would benefit over a billion people, Xi said. Xi underscored the importance of adhering to a people-centered approach to development and demanded solid steps in promoting the all-round development of the people and common prosperity for all on the new journey. INNOVATIVE SPIRIT, STRATEGIC THINKING, COURAGE AND VISION Xi commended Jiang's efforts in advancing innovations in theory, institutions, science and technology, culture, and other fields, calling for drawing on his innovative spirit. By pooling the wisdom of the whole Party, Jiang created the Theory of Three Represents, which has further answered the questions of what socialism is and how to build it, and creatively addressed what kind of Party to build and how to build it, Xi said. Xi highlighted Jiang's role in opening China further to the world, including leading the country's accession to the World Trade Organization. On the new journey, Xi said, we must properly respond to the questions facing China, the world, the people and the times, and constantly break new ground in adapting Marxism to the Chinese context and the needs of the times. Jiang's far-sightedness and strategic thinking were highlighted by Xi. With an international perspective and a vision for the future, Jiang advanced the cause of the Party and the state with a slew of major decisions and measures, Xi said. Jiang made arrangements with foresight for building a moderately prosperous society in all respects, and put forth a series of thoughts on foreign affairs and international strategies to advance the development of a multipolar world and economic globalization in the right direction. Looking ahead, it is essential to fully and faithfully apply the new development philosophy on all fronts, accelerate efforts to create a new development pattern, and make solid headway in promoting high-quality development, Xi said, calling for further efforts to build a community with a shared future for humanity and add more positive energy to world peace and development. Xi also highlighted Jiang's extraordinary courage and vision. Jiang made resolute decisions at key historical junctures and critical moments, and responded calmly to risks and challenges, securing the steady advancement of China's reform and opening up as well as socialist modernization, Xi said. In particular, Jiang led China to successfully withstand the impact of the Asian financial crisis and secure the complete victory in the battle against the severe floods in 1998, Xi noted. "On the new journey, we should stand ready to withstand high winds, choppy waters, and even dangerous storms, resolutely safeguard national sovereignty, security, and development interests, and continue to write a new chapter in the miracles of fast economic growth and long-term social stability," Xi said. 
。 8月20日，重庆银行（601963.SH；1963.HK）披露2026年半年报显示，该行上半年实现营业收入84.86亿元，同比增长10.79%；归母净利润35.18亿元，同比增长10.29%，不仅营收、净利润双双刷新半年度业绩历史新高，更是在集团与法人口径上同步完成资产破“双万亿”的历史性跨越。 值得注意的是，从单季度情况来看，重庆银行是目前唯一一家连续4个季度实现营收、净利“双十增长”的A股上市银行。在同业息差普遍收窄的背景下，重庆银行净息差逆势上升7个基点至1.46%。 规模盈利实现“双跃升”，区域深耕驱动高质量扩表 2026年上半年，重庆银行资产规模在高基数上延续稳健增长——报告期末，集团资产总额为1.11万亿元，该行资产总额为1.04万亿元，分别较2025年末增长7.27%、6.86%。这是重庆银行自2025年资产规模突破万亿后，在2026年上半年实现集团、法人总资产“双万亿”的历史性跨越。
二 | 同期，贷款总额5824.59亿元，较上年末增长9.63%；存款总额6272.02亿元，较上年末增长10.87%，存款增速高于贷款增速，为后续信贷投放储存了充裕的低成本资金。 盈利端的“双十增长”更具含金量。上半年该行不仅营收、归母净利双双刷新半年度业绩历史新高，更难得的是盈利质量的持续改善，如年化加权平均ROE达12.03%，同比提升0.51个百分点。在已披露2026年半年报的A股上市银行中，重庆银行与宁波银行是唯二的营收、归母净利润增速超10%的城商行，其中，重庆银行连续4个季度实现“双十增长”，更突出其盈利韧性。
三 | 规模与盈利增长的背后，是重庆银行对区域经济的持续深耕和对实体经济的积极服务。 根据定期报告，重庆银行聚焦重大战略和重点领域，加大成渝地区双城经济圈、西部陆海新通道、西部金融中心建设等领域信贷支持，上半年向双城经济圈提供信贷支持超1400亿元；服务西部陆海新通道建设融资余额超600亿元。 零售方面，该行上半年个人定期存款上涨15.32%，零售贷款同比收缩8.43%。对于收缩的原因，该行相关负责人在8月25日的业绩说明会上表示，零售贷款下降的主要原因是市场需求不足，零售信贷进入“需求弱周期”，进而导致了零售贷款规模承压。 “接下来，我行将聚焦客群经营、结构优化两大主线深化转型，推进零售业务高质量发展。一是精耕客户服务，增强数字化经营优势，引入智能化运营工具，构建‘智慧经营’体系，提升零售客户经营质效。二是深耕主业市场，推动业务提质增量，坚持量稳质优提升负债规模，优化负债结构，聚焦财富管理转型，提升综合效益。”该行相关负责人表示。 息差企稳回升资产质量夯实，负债成本管控释放利润空间 如果说规模与盈利的“双跃升”是重庆银行半年报的“面子”，那么息差逆势走阔与资产质量持续优化，则是这份成绩单的“里子”。 从行业来看，我国银行业净息差企稳迹象明显。金融监管总局披露的数据显示，商业银行今年二季度净息差为1.41%，较一季度的1.40%回升1个基点，这也是2022年一季度以来首次实现单季环比回升。其中，城商行净息差1.40%，与一季度相比回升2个基点，引领商业银行。 虽然净息差有所企稳，但目前已经披露业绩的上市银行中，仍有部分银行息差收窄，重庆银行的净息差在上半年同比上升7个基点至1.46%。 快速修复的背后，是负债端成本压降幅度大于资产端。
四 | 定期报告显示，2026年上半年，该行生息资产平均余额为1.02万亿元，同比增长19.73%；生息资产平均收益率较上年同期下降36个基点至3.28%。
五 | 2026年上半年，该行计息负债平均余额为9876.15亿元，同比增长17.81%；计息负债平均成本率较上年同期下降41个基点至1.88%。 根据Wind数据，在已披露中报的上市银行中，多数银行计息负债成本率普遍较去年同期下降30bp左右，而重庆银行则以41bp的负债成本压降幅度领先其他银行。对于未来净息差展望，重庆银行相关负责人在业绩说明会上表示，下半年，该行将继续坚持加大贷款投放，优化资负结构，压降负债成本，预计全年净息差延续同比回升趋势。 资产规模快速扩大，息差逆势企稳回升，使得重庆银行上半年净利息收入同比增长26.04%，其中一季度净利息收入同比增长12.8%，二季度增速为41.3%，较一季度有大幅提升，这也彰显出重庆银行对资产负债管理的精细化成效。在行业普遍面临息差收窄挑战的背景下，其优秀的成本管控能力将成为核心竞争优势，有望在未来竞争中保持较强的盈利韧性。 值得注意的是，重庆银行上半年手续费及佣金净收入整体同比减少11.81%，其中代理理财业务收入同比减少30.66%，对此，重庆银行表示主要是由于当期理财产品管理费及超额报酬较上年同期减少。
六 | 但从单季表现来看，该行Q2手续费及佣金净收入为1.71亿元，同比增长17.79%，环比增长13.66%，增速均由负转正。这是重庆银行“利息净收入单核驱动”格局开始松动的早期信号，若中收修复趋势能在下半年延续，将有利于收入提升。 业绩表现向好，重庆银行股价也给投资者带来正向收益。截至8月25日，重庆银行A股股价报收11.20元/股，H股股价报收8.410港元/股，年内涨幅分别超8%、10%，跑赢上证指数（年内跌幅2.4%）和恒生指数（年内跌幅3.43%）。 从营利“双十”到资产“双万亿”，重庆银行做对了周期切换中的对公压舱；而从资产“双万亿”到ROE与估值“双提高”，考验的是其综合化经营能力的真功夫。随着成渝地区双城经济圈建设进入加速期，重庆银行作为“一市三省”布局最完整的城商行，区域战略红利有望在未来持续释放，为规模与盈利的“双十”增长提供长期动能。责任编辑：孙同怀。
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