重庆银行（601963）(01963)发布截至2025年6月30日止六个月业绩，优化金融服务体系，塑造区域竞争 优势，盈利能力稳中有升。截至2025年6月30日，集团实现营业收入75.27亿元，同比增长8.24%;实现净 利润33.94亿元，同比增长5.73%，实现归属于该行股东净利润31.90亿元，同比增长5.39%，延续了稳健 增长的良好趋势。 紧抓重点产业投放，拓宽核心负债来源，资负结构持续优化。截至2025年6月30日，集团一般贷款占贷 款及垫款本金总额比例达到95.71%，较上年末上升2.02个百分点;储蓄存款占存款总额比例为53.23%， 较上年末提升0.60个百分点。 紧扣重大战略指引，拓展服务实体能力，经营规模稳步增长。截至2025年6月30日，集团资产总额为 9833.65亿元，较上年末增加1267.23亿元，增幅14.79%;贷款总额5006.70亿元，较上年末增加600.54亿 元，增幅13.63%;存款总额5441.36亿元，较上年末增加700.19亿元，增幅14.77%。 加强资本统筹管理，提高资本使用效率，资本实力保持稳健。截至2025年6月30日，集团核心一级资本 充足率、一级资 ...

BANK OF CHONGQING CO., LTD. 重庆银行股份有限公司 （A股股票代码：601963） 二零二五年半年度报告 通讯地址：中国重庆市江北区永平门街6号 邮政编码：400024 联系电话：+86(23)63367688 传真：+86(23)63799024 电子邮箱：ir@cqcbank.com 互联网网址：http://www.cqcbank.com 客户服务热线：956023 BANK OF CHONGQING 2025 重庆银行半年度报告 目录 | 1. 重要提示 | 3 | | --- | --- | | 2. 释义 | 4 | | 3. 公司简介 | 5 | | 4. 财务摘要 | 8 | | 5. 管理层讨论与分析 | 12 | | 5.1 概述 | 12 | | 5.2 业务综述 | 13 | | 5.3 财务报表分析 | 20 | | 5.4 贷款质量分析 | 37 | | 5.5 分部经营业绩 | 44 | | 5.6 根据监管要求披露的其他信息 | 44 | | 5.7 控股子公司和参股公司情况 | 46 | | 5.8 风险管理 | 47 | | 5.9 资本管理 | ...

强化风险前瞻管控，加大处置清收力度，资产质量稳步向好。截至2025年6月30日，集团不良贷款率为 1.17%，较上年末下降0.08个百分点;关注类贷款占比2.05%，较上年末下降0.59个百分点;逾期贷款占比 1.58%，较上年末下降0.15个百分点;拨备覆盖率为248.27%，较上年末提升3.19个百分点。 紧抓重点产业投放，拓宽核心负债来源，资负结构持续优化。截至2025年6月30日，集团一般贷款占贷 款及垫款本金总额比例达到95.71%，较上年末上升2.02个百分点;储蓄存款占存款总额比例为53.23%， 较上年末提升0.60个百分点。 加强资本统筹管理，提高资本使用效率，资本实力保持稳健。截至2025年6月30日，集团核心一级资本 充足率、一级资本充足率、资本充足率分别为8.80%、9.94%、12.93%，持续满足监管要求。 智通财经APP讯，重庆银行(01963)发布截至2025年6月30日止六个月业绩，优化金融服务体系，塑造区 域竞争优势，盈利能力稳中有升。截至2025年6月30日，集团实现营业收入75.27亿元，同比增长8.24%; 实现净利润33.94亿元，同比增长5.73%，实现归属于该行 ...

二、业绩说明会召开的时间、地点 （一）会议召开时间：2025 年 9 月 2 日（星期二）10:00-11:30 证券代码：601963 证券简称：重庆银行 公告编号：2025-056 可转债代码：113056 可转债简称：重银转债 重庆银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 为便于广大投资者全面深入了解重庆银行股份有限公司（以下简称"本行"） 经营成果、财务状况，本行计划于 2025 年 9 月 2 日上午 10:00-11:30 举行业绩说 明会，就投资者普遍关心的问题进行交流。 一、业绩说明会类型 本次业绩说明会以视频直播结合网络互动方式召开，本行将针对 2025 年上 半年经营成果及财务指标的具体情况与投资者进行互动交流和沟通，在信息披露 允许的范围内就投资者普遍关注的问题进行回答。 （二）投资者可于 2025 年 8 月 26 日（星期二）至 9 月 1 日（星期一）16:00 前登录上证路演中心网站首页点击"提问预征集"栏目或通过 ...

Core Insights - Chongqing Bank reported a revenue of 7.527 billion yuan for the period ending June 30, 2025, representing an 8.24% increase year-on-year [1] - The net profit reached 3.394 billion yuan, up 5.73% compared to the same period last year, with net profit attributable to shareholders at 3.190 billion yuan, reflecting a 5.39% growth [1] Financial Performance - Total assets amounted to 983.365 billion yuan, an increase of 126.723 billion yuan or 14.79% from the end of the previous year [1] - Total loans reached 500.670 billion yuan, increasing by 60.054 billion yuan, which is a 13.63% rise [1] - Total deposits were 544.136 billion yuan, up by 70.019 billion yuan, marking a 14.77% growth [1] Capital Adequacy and Asset Quality - As of June 30, 2025, the core tier 1 capital adequacy ratio, tier 1 capital adequacy ratio, and total capital adequacy ratio were 8.80%, 9.94%, and 12.93% respectively, continuing to meet regulatory requirements [1] - The non-performing loan ratio stood at 1.17%, a decrease of 0.08 percentage points from the end of the previous year [1] - The proportion of special mention loans was 2.05%, down by 0.59 percentage points, while overdue loans accounted for 1.58%, a decline of 0.15 percentage points [1] - The provision coverage ratio improved to 248.27%, an increase of 3.19 percentage points from the previous year-end [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 BANK OF CHONGQING CO., LTD.* 重慶銀行股份有限公司* （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （股份代號：1963） 截至2025年6月30日止六個月中期業績公告 重慶銀行股份有限公司*（「本行」）董事會（「董事會」）欣然公佈本行及所屬子公司截至2025 年6月30日止六個月之未經審計中期業績。本公告列載本行2025年中期報告全文，並符 合香港聯合交易所有限公司證券上市規則中有關中期業績初步公告附載資料之要求。 本行2025年中期報告將於2025年9月向本行H股股東提供，並可於其時在本行網站 (www.cqcbank.com)及香港聯合交易所有限公司網站(www.hkexnews.hk)閱覽。 發佈業績公告 本業績公告的中英文版本可在本行網站(www.cqcbank.com)及香港聯合交易所有限公司網 站(www.hkexnews. ...

Core Viewpoint - The recent equity changes at Chongqing Bank reflect an internal resource optimization within the local state-owned enterprise system, indicating strategic adjustments in the financial sector [2][5][12]. Group 1: Shareholder Changes - Major shareholder Chongqing Yufu Capital plans to reduce its stake by 1.5%, decreasing its holding from 23.45% to 21.95% [2][12]. - Chongqing Real Estate Group will increase its stake by 1.5%, raising its holding from 5.10% to 6.60% [2][12]. - The equity changes are structured as a swap between two factions of shareholders, with Chongqing Water Investment Group reducing its stake by 1.50% through a block trade, which will be acquired by Chongqing Real Estate Group [3][5]. Group 2: Financial Performance - Chongqing Bank reported a revenue of 136.79 billion yuan for 2024, a year-on-year increase of 3.54%, and a net profit of 51.17 billion yuan, up 3.8% [6]. - In Q1 2025, the bank achieved a revenue of 35.81 billion yuan, a 5.3% increase year-on-year, and a net profit of 16.24 billion yuan, also up 5.33% [6][9]. - The bank's asset scale surpassed 930 billion yuan by the end of Q1 2025, reflecting an 8.8% year-on-year growth, positioning it as the second fastest-growing bank in the A-share market [6][10]. Group 3: Loan Structure - The bank's corporate loans increased significantly by 25% year-on-year, while retail loans grew only 2.81%, indicating a strategic focus on corporate lending [7][11]. - Loans to state-controlled enterprises accounted for 78.17% of total corporate loans, highlighting a reliance on this sector [7][11]. Group 4: Strategic Goals - Chongqing Bank aims to achieve a target asset scale of 1 trillion yuan, with 2025 being a crucial year for this objective [8][12]. - The recent shareholder changes may introduce new variables that could impact the bank's journey towards its 1 trillion yuan goal [8][12].

Core Insights - The report emphasizes that the structure of bank credit is more important than the total amount, indicating a potential adjustment in the credit structure of banks [1][7] - The report suggests that the effective credit demand from enterprises is expected to recover as the adjustment of excess production capacity comes to an end [2] Industry Overview - The report highlights the need for industry structure optimization to accelerate the elimination of excess capacity, particularly in sectors like automotive, photovoltaic, lithium batteries, steel, and cement [2] - The central bank has increased the quota for re-loans for technological innovation and technical transformation by 300 billion yuan, with the balance of technology loans reaching 44.1 trillion yuan, growing by 12.5% year-on-year [2] - The loan structure has shifted from over 60% in real estate and infrastructure loans in 2016 to approximately 70% in the "five major articles" of finance currently [2] Market Performance - The report notes that during the week of August 11 to August 17, 2025, the major indices saw significant increases, with the Shanghai Composite Index rising by 1.70% and the ChiNext Index by 8.58% [7] - The banking index experienced a weekly decline of 3.19%, underperforming the CSI 300 index by 5.57 percentage points [7] Investment Recommendations - The report recommends focusing on the banking sector for medium to long-term investments, highlighting that the overall allocation to banks has increased but remains insufficient [3][8] - Specific banks recommended for investment include state-owned banks (A+H) and stable joint-stock banks such as China Merchants Bank (A+H), CITIC Bank (A+H), and Industrial Bank, as well as high-quality regional banks with strong provisioning coverage [8] Profit Forecasts and Valuations - The report provides earnings per share (EPS) and price-to-earnings (PE) ratios for several banks, indicating a positive outlook for banks like Ningbo Bank, Jiangsu Bank, and China Merchants Bank, with recommendations to buy [9]

资料显示，重庆银行股份有限公司位于香港铜锣湾希慎道33号利园1期19楼1918室，成立日期1996年9月 2日，上市日期2021年2月5日，公司主营业务涉及重庆银行股份有限公司主要在中国从事提供公司及个 人银行产品和服务以及资金市场业务。该公司通过三个业务部门运营。公司银行业务部从事向公司类客 户提供金融产品和服务业务,包括存款和贷款。零售业务部从事向个人客户提供金融产品和服务业务,包 括存款和贷款。资金业务部从事同行拆借、债券投资交易、回购交易以及外汇买卖交易业务。主营业务 收入构成为：公司银行业务69.84%，个人银行业务21.95%，资金业务7.41%，未分配0.80%。 重庆银行所属申万行业为：银行-城商行Ⅱ-城商行Ⅲ。所属概念板块包括：长期破净、低市盈率、破净 股、H股、乡村振兴等。 截至3月31日，重庆银行股东户数3.70万，较上期减少10.32%；人均流通股52288股，较上期增加 11.82%。2025年1月-3月，重庆银行实现营业收入0.00元；归母净利润16.24亿元，同比增长5.33%。 来源：新浪证券-红岸工作室 8月15日，重庆银行盘中下跌2.08%，截至10:10，报9.88元/股 ...

注：业绩比较基准不是预期收益率，不代表产品的未来表现和实际收益，不构成对产品收益的承诺。 8月14日，据重庆银行（601963）披露，该行发行的长江·聚惠公募净值型点金产品2025年第8期募集期 为2025年8月14日到2025年8月21日，计划发行量为5亿元，投资者认购起点金额为1万元。产品为固定收 益类，风险评级为中低风险，期限为1096天，业绩比较基准为2.60%～3.20%（年化）。 以上理财产品信息仅供参考，具体应以《产品说明书》等销售文件为准。本文不构成任何投资建议，投 资者据此操作，风险自担。 ...