Financial Performance - Bank of Chongqing reported unaudited interim results for the six months ended June 30, 2023[1]. - The net profit for the first half of 2023 was RMB 3,052,330 thousand, representing a year-on-year increase of 5.36% from RMB 2,896,970 thousand in 2022[13]. - Net interest income for the first half of 2023 was RMB 5,386,427 thousand, a slight increase of 0.60% compared to RMB 5,354,539 thousand in the same period of 2022[13]. - The operating income for the first half of 2023 was RMB 6.73 billion, an increase of 1.29% compared to the same period last year[26]. - The net profit attributable to the shareholders of the bank for the first half of 2023 was RMB 2.91 billion, up 4.38% from the same period last year[24]. - The total customer loans and advances amounted to RMB 378.41 billion, reflecting a growth of 7.33% year-on-year[22]. - The total customer deposits amounted to RMB 406.18 billion, reflecting a growth of 6.16% year-on-year[22]. - The total liabilities of the group reached RMB 673.09 billion, an increase of 6.30% from the previous year-end[22]. - The total assets of the group reached RMB 727.06 billion, an increase of 6.18% compared to the end of the previous year[22]. Risk Management - The bank faces significant risks and has outlined measures to address them in the risk management section of the report[6]. - The non-performing loan ratio stood at 1.21%, with a provision coverage ratio of 251.88%, meeting regulatory requirements[9]. - The coverage ratio for loan loss provisions improved to 251.88% as of June 30, 2023, compared to 211.19% at the end of 2022, reflecting stronger risk management[16]. - The bank has established a large exposure risk management system to monitor and control client concentration risks effectively[160]. - The bank has implemented stress testing for liquidity risk at least quarterly, with results indicating that liquidity risk remains within controllable limits[155]. Digital Transformation and Innovation - The bank achieved a 55.72% growth in self-operated online consumer products, emphasizing digital transformation and technology-driven initiatives[9]. - The bank's retail business is focused on digital transformation, enhancing customer engagement through the "Yulehui" e-commerce platform and integrating financial services with high-frequency lifestyle scenarios[117]. - The bank has implemented digital management initiatives to improve risk control and customer relationship management efficiency[111]. - The mobile banking user base surpassed 2 million, with an increase of 227,800 users during the reporting period, representing a growth of 12.83%[130]. - The bank's digital innovation projects have been systematically implemented, with 45 projects selected for the 2023 digital innovation project library[132]. Capital and Funding - The core tier 1 capital ratio was 9.38% as of June 30, 2023, slightly down from 9.52% at the end of 2022, indicating a stable capital position[16]. - The total capital net amount as of June 30, 2023, is CNY 64,572,930 thousand, up from CNY 61,032,503 thousand as of December 31, 2022[169]. - The bank issued RMB 50 billion subordinated bonds in March 2022, with a fixed interest rate of 3.73% for ten years, to supplement Tier 2 capital[175]. - The bank aims to enhance capital strength and optimize capital structure through innovative capital tools and external capital channels[175]. Regulatory Compliance and Governance - The bank's board confirmed the accuracy and completeness of the interim report, with no false statements or significant omissions[6]. - The bank operates under the financial license approved by the China Banking and Insurance Regulatory Commission[2]. - The bank has established a robust anti-money laundering management system and developed a comprehensive set of anti-money laundering policies[165]. - The bank has initiated a special action plan focusing on compliance system enhancement, with six major tasks and eighteen specific measures[164]. Economic Environment - The GDP growth rate for the first half of 2023 was 5.50%, supporting the annual target of around 5%[178]. - Chongqing's GDP grew by 4.60% year-on-year in the first half of 2023, indicating a recovery in economic activities[180]. - Major infrastructure projects and consumer policies are expected to create greater growth opportunities for financial institutions in the region[180]. Customer Engagement and Services - The bank has actively engaged in innovative business development, launching nearly 70 new financial services to meet the needs of various customer segments[9]. - The bank launched innovative products such as "Flow Loan" and "Yumao Loan" to enhance financial services for small and micro enterprises[114]. - The total number of debit cards issued increased by 216,800 to 5.1847 million, with transaction volume reaching CNY 8.961 billion during the reporting period[119]. - The bank's supply chain finance business financing balance exceeded CNY 700 million, transitioning from offline to online services[127]. Shareholder Commitments and IPO Regulations - The bank's shareholders have committed to a 36-month lock-up period for shares following the IPO, effective from February 5, 2021[182]. - The company has committed to not transferring shares held prior to the IPO for 36 months from the listing date[193]. - The company will initiate share repurchase procedures if there are significant misstatements in the prospectus[195]. - The company assures that the prospectus for the IPO does not contain any misleading statements or major omissions, and it will bear legal responsibility for its accuracy and completeness[200].

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） 董事會會議召開日期 重慶銀行股份有限公司*（「本行」）董事會（「董事會」）茲通告謹定於2023年8月30 日（星期三）舉行董事會會議，藉以（其中包括）考慮及通過本行及其附屬公司截至 2023年6月30日止的六個月中期業績及派發中期股息（如有），以及處理其他事項。 代表董事會 重慶銀行股份有限公司* 董事長 林軍 中國重慶，2023年8月18日 於本公告刊發日期，本行的執行董事為林軍女士、劉建華先生及黃華盛先生；本 行的非執行董事為黃漢興先生、楊雨松先生、吳珩先生、尤莉莉女士及王鳳豔女 士；及本行的獨立非執行董事為劉星博士、王榮先生、鄒宏博士、馮敦孝博士及 袁小彬先生。 * 本行經中國銀行業監督管理機構批准持有B0206H250000001號金融許可證，並經 ...

Financial Performance - Net profit attributable to shareholders for Q1 2023 was RMB 1,543,790 thousand, representing a 3.64% increase from the same period in 2022[3] - Operating income for Q1 2023 was RMB 3,124,509 thousand, showing a slight decrease of 0.04% compared to Q1 2022[3] - The total comprehensive income for the period was RMB 2,011,683 thousand, up from RMB 1,322,479 thousand in the same quarter of 2022, marking a significant increase of 52.2%[18] - The bank's basic earnings per share for the period was RMB 0.43, compared to RMB 0.42 in the same period last year[18] - The net profit for the three months ended March 31, 2023, was CNY 1.544 billion, an increase of CNY 0.054 billion, or 3.64% year-on-year[14] Assets and Liabilities - Total assets as of March 31, 2023, amounted to RMB 709,116,608 thousand, an increase of 3.56% compared to the end of 2022[3] - As of March 31, 2023, the total assets of the group reached CNY 709.117 billion, an increase of CNY 24.404 billion, or 3.56% compared to the end of the previous year[14] - Customer loans and advances totaled RMB 366,710,096 thousand, reflecting a growth of 4.01% year-over-year[3] - Customer deposits reached RMB 402,223,224 thousand, marking a 5.13% increase from the end of 2022[3] - The total equity attributable to shareholders increased to RMB 51,286,743 thousand from RMB 49,336,512 thousand, a rise of 3.9%[20] Cash Flow - The net cash flow from operating activities for Q1 2023 was RMB 4,295,652 thousand, a significant recovery from a negative cash flow in the previous year[3] - The net cash flow from operating activities was RMB 4,295,652 thousand, a significant improvement compared to a net outflow of RMB 25,339,566 thousand in the same period of 2022[22] - The cash flow from financing activities for Q1 2023 was negative CNY 7,527,486 thousand, compared to a positive CNY 19,486,479 thousand in Q1 2022[24] - The cash flow from operating activities showed a significant decrease, with net cash flow of CNY 6,193 thousand in Q1 2023 compared to negative CNY 4,014 thousand in Q1 2022[24] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio stood at 9.32% as of March 31, 2023, down from 9.52% at the end of 2022[6] - The leverage ratio increased to 6.80% as of March 31, 2023, compared to 6.65% at the end of 2022[7] - The liquidity coverage ratio improved to 270.78% as of March 31, 2023, up from 242.19% at the end of 2022[8] - The core tier 1 capital adequacy ratio was 9.32%, the tier 1 capital adequacy ratio was 10.24%, and the total capital adequacy ratio was 12.45%, meeting regulatory requirements[14] Non-Performing Loans - The non-performing loan balance was CNY 4.525 billion, a decrease of CNY 0.310 billion from the end of the previous year, with a non-performing loan ratio of 1.24%, down 0.14 percentage points[14] - The provision coverage ratio stood at 234.91%, an increase of 23.72 percentage points compared to the end of the previous year[14] Operating Expenses - The operating expenses for the three months were CNY 0.874 billion, an increase of CNY 0.100 billion, or 12.90% year-on-year[14] - The cost-to-income ratio was 26.90%, an increase of 3.19 percentage points compared to the same period last year[14] Investment Activities - Cash received from investment recoveries was CNY 15,836,426 thousand, a decrease from CNY 26,706,120 thousand in the same period of 2022[23] - Cash paid for investments in the first quarter of 2023 was CNY 30,050,080 thousand, significantly higher than CNY 16,316,134 thousand in Q1 2022[23] - The net cash flow from investing activities for Q1 2023 was negative CNY 11,769,564 thousand, compared to a positive CNY 13,018,737 thousand in Q1 2022[23] - Cash received from obtaining investment income in Q1 2023 was CNY 2,482,979 thousand, slightly down from CNY 2,695,578 thousand in Q1 2022[23] - Cash received from dividends in Q1 2023 was CNY 6,400 thousand, while no dividends were received in Q1 2022[23]

Financial Performance - The total assets of the group amounted to RMB 684.713 billion, with total deposits of RMB 382.594 billion and total loans of RMB 352.573 billion[9]. - Net profit for 2022 increased by 5.30% to RMB 5,116,525 thousand compared to 2021[22]. - Operating revenue for 2022 was RMB 13,143,636 thousand, reflecting a decline of 7.63% year-over-year[22]. - Interest income for 2022 was RMB 27,533,983 thousand, a slight increase of 0.45% compared to 2021[22]. - Net interest income decreased by 6.80% to RMB 10,808,258 thousand in 2022[22]. - Total liabilities increased by 11.15% to RMB 633,217,086 thousand in 2022[23]. - The bank's equity attributable to shareholders rose by 4.36% to RMB 49,336,512 thousand[23]. - Basic earnings per share for 2022 were RMB 1.31, up 2.34% from the previous year[22]. - The bank's net cash flow from operating activities was RMB 5,311,657 thousand, an increase of 4.45% compared to 2021[22]. Asset Quality - The non-performing loan ratio stood at 1.38%, with a provision coverage ratio of 211.19%, meeting regulatory requirements[9]. - The coverage ratio for bad loans decreased to 211.19%, down from 274.01% in 2021, reflecting a reduction in provisions[24]. - The non-performing loan (NPL) ratio increased by 0.08 percentage points compared to the end of the previous year, with notable increases in the power, gas, and real estate sectors[96]. - The total amount of overdue loans reached RMB 10.42 billion, an increase of RMB 1.97 billion from the previous year, with an overdue loan ratio of 2.97%, up 0.29 percentage points[101]. - The NPL ratio for mortgage loans rose by 0.53 percentage points to 2.50%, while the NPL ratio for credit loans increased by 0.22 percentage points to 1.04%[97]. Strategic Vision and Development - The company aims to enhance service quality, digital transformation, and distinctive development as part of its strategic vision[9]. - The company emphasizes a strategic development framework of "1-3-3" to promote high-quality growth[9]. - The company aims to become a leading national listed commercial bank with a focus on serving the real economy and small enterprises[15]. - The company plans to strengthen its technology, talent, and management capabilities to support high-quality development[18]. - The company is committed to improving corporate governance and transparency to support high-quality development[21]. Digital Transformation and Innovation - The bank launched a one-stop data application service platform to promote digital transformation[10]. - Digital transformation initiatives included over 120 technology projects, enhancing innovation capabilities in digital credit and risk control[30]. - The bank's digital credit product "Good Enterprise Loan" series has expanded to cover 53 sub-products across 13 application scenarios, with a cumulative investment of 34.8 billion yuan[125]. - The bank's mobile banking personal customer base reached 1.7747 million, an increase of 296,600 from the previous year, with a total transaction amount of 230.486 billion yuan[128]. - The bank's digital transformation efforts have effectively supported the real economy, enhancing operational efficiency and customer experience through technology innovation[124]. Risk Management - The company is committed to risk management and enhancing its overall value through comprehensive optimization[15]. - The bank's liquidity risk management framework has been established to ensure timely access to sufficient funds to meet obligations, adhering to principles of prudence and foresight[149]. - The bank has conducted annual operational risk and control self-assessments (RCSA) to monitor and report operational risk events to the board and senior management[140]. - The bank's operational risk management tools have been enhanced, with a focus on post-loan management and employee behavior governance to mitigate risks in key areas[140]. - The group emphasizes a comprehensive risk management system to ensure that returns match the risks undertaken, aiming for maximum shareholder value[137]. Corporate Governance - The board of directors confirmed the accuracy and completeness of the annual report, ensuring no misleading statements or significant omissions[6]. - The board consists of 14 members, including 4 executive directors, 5 non-executive directors, and 5 independent non-executive directors, promoting diversity in its composition[180]. - The company has established eight specialized committees under the board to enhance governance and decision-making processes[180]. - The board's responsibilities include formulating annual financial budgets and profit distribution plans, as well as overseeing risk management policies[177]. - The company has complied with the corporate governance code and improved its governance practices during the reporting period[173]. Community and Environmental Initiatives - The bank's green finance scale increased by 44.7% compared to the end of the previous year[10]. - The bank's "Carbon Reduction Financing" product was introduced to support green finance initiatives[10]. - The company aims to expand green finance initiatives, promoting services for traditional industries' green upgrades and supporting low-carbon industries[170]. - The bank actively supports the Chengdu-Chongqing economic circle with credit support in key industries[10]. - The company is committed to supporting rural revitalization by developing digital products for agricultural scenarios and increasing credit support for new agricultural business entities[170].

[2 -> 8] Zither Harp [36 -> 42] 嗯嗯嗯嗯 [76 -> 80] Zither Harp [109 -> 139] 重庆银行2022年度业绩说明会现在开始有请主持人重庆银行党委委员副行长兼董事会秘书彭燕西女士有请尊敬的各位投资者分析师和媒体朋友们大家上午好 [139 -> 169] 欢迎参加重庆银行2022年度的业绩说明会我是会议的主持人重庆银行副行长兼董事会秘书彭延熙首先我向大家介绍出席本次业绩说明会的工作团队他们是董事长宁君女士行长独立董事刘欣先生 [171 -> 199] 资产负债管理部总经理李冲先生风险管理部总经理李玲女士普惠金融部总经理张明海先生个人银行部总经理廖燕梅女士数字银行部总经理张静先生 [202 -> 220] 本次業績說明會通過上震度中心視頻號全景網全程直播歡迎大家點播觀看和互動交流3月31日我們行披露了2022年度的經營業績 [221 -> 236] 今天我行的林董事长和阮行长将先后向大家做详细的介绍一起聊一聊数据背后的故事首先请阮行长解读2022年度经营业绩 [262 -> 291] 投资者朋友们大家下午好2020年是重庆银行转型发展至关重要的年面对诸多 ...

Financial Performance - The net profit for the year 2022 was CNY 4.687 billion, with a proposed distribution of cash dividends of CNY 0.395 per share[6]. - The company plans to allocate 10% of the audited net profit, amounting to CNY 469 million, to statutory surplus reserves[6]. - The general reserve will be provisioned at CNY 445 million based on a risk asset ratio of 1.5%[6]. - Interest income for 2022 was RMB 27,533,983 thousand, a slight increase of 0.45% compared to 2021[32]. - Net interest income decreased by 6.80% to RMB 10,808,258 thousand from RMB 11,596,773 thousand in 2021[32]. - Operating income fell by 7.63% to RMB 13,143,636 thousand, down from RMB 14,228,863 thousand in the previous year[32]. - Net profit for 2022 increased by 5.30% to RMB 5,116,525 thousand, compared to RMB 4,859,025 thousand in 2021[32]. - Total assets reached RMB 684,712,563 thousand, reflecting a growth of 10.62% year-over-year[33]. - Customer loans and advances totaled RMB 352,573,462 thousand, marking a 10.85% increase from RMB 318,061,937 thousand in 2021[33]. - Total liabilities increased by 11.15% to RMB 633,217,086 thousand, up from RMB 569,706,925 thousand in the previous year[33]. - The bank's equity attributable to shareholders rose by 4.36% to RMB 49,336,512 thousand from RMB 47,273,188 thousand in 2021[33]. - Basic earnings per share increased by 2.34% to RMB 1.31, compared to RMB 1.28 in the previous year[32]. Asset Quality and Risk Management - The non-performing loan ratio stood at 1.38%, while the provision coverage ratio was 211.19%, indicating strong asset quality management[11]. - The non-performing loan ratio increased to 1.38%, up from 1.30% in the previous year[34]. - Provision coverage ratio decreased to 211.19%, down from 274.01% year-on-year[34]. - The total amount of non-performing loans was RMB 4.835 billion, an increase of RMB 0.729 billion from the previous year[112]. - The non-performing loan ratio stood at 1.38%, up by 0.08 percentage points compared to the end of the previous year[112]. - The proportion of loans under special attention was 3.20%, an increase of 0.08 percentage points year-on-year[112]. - The company continued to enhance its comprehensive risk management system to strengthen credit risk control[112]. - The bank's focus on risk prevention includes regular employee behavior checks and compliance culture enhancement[177]. - The bank has implemented a comprehensive business continuity management system to ensure stable operations across all business lines[177]. Digital Transformation and Innovation - The bank has established a one-stop data application service platform and is piloting an industry digital marketing service platform, emphasizing its focus on digital transformation[12]. - The bank's digital risk control and decision-making platform "Wind Bell Smart Evaluation" has innovated in various fields, including marketing and risk monitoring, analyzing over 500,000 quality enterprises[160]. - The company has launched the first online credit product for the New Land-Sea Corridor, supporting financing for export enterprises[152]. - The company has established a DevOps platform to promote integrated research and operations, enhancing the efficiency of business iteration and delivery[155]. - The bank's digital transformation efforts have effectively empowered the reform of business models and high-quality development across the organization[158]. Customer Engagement and Service Enhancement - The bank is focusing on digital marketing strategies to enhance customer engagement, particularly targeting key demographics such as the elderly and youth[142]. - The bank is enhancing its wealth management services by offering exclusive financial products to specific customer segments and improving asset allocation services[144]. - The total number of debit cards issued increased by 302,800 to 4.9679 million, with transaction volume reaching RMB 13.202 billion[146]. - The bank's mobile banking personal customers reached 1.7747 million as of December 31, 2022, an increase of 296,600 from the end of the previous year, with a total transaction amount of CNY 230.486 billion, a decrease of CNY 19.394 billion year-on-year[164]. - The bank's online banking corporate customers totaled 36,600 as of December 31, 2022, an increase of 3,400 from the previous year, with total transaction amounts of CNY 515.2 billion, a decrease of CNY 20.636 billion year-on-year[165]. Strategic Vision and Development - The bank's strategic vision aims to build a first-class commercial bank with a focus on local service, small and micro enterprises, and urban and rural residents[11]. - The bank aims to become a first-class listed commercial bank with a strategic vision of "sticking to the source, distinctive features, safe and stable, and excellent value"[20]. - The bank's development strategy focuses on three key tasks: service enhancement, digital transformation, and distinctive development[21]. - The company aims to enhance service quality, digital transformation, and distinctive development as part of its strategic vision[23]. - The company has established a dynamic list of priority support target customer groups to enhance financial support for key industries[174]. Regulatory Compliance and Risk Management - The company has established a comprehensive anti-money laundering internal control system, aligning with regulatory requirements and enhancing operational stability[197]. - The company has strengthened compliance risk monitoring and management, focusing on weak areas in business and management[196]. - The organization has optimized the identification mechanism for frozen customer accounts, improving the intelligence level of money laundering risk management[198]. - The company has conducted various compliance training and knowledge competitions, with over 4,200 participants, to enhance compliance awareness across all levels[199]. - The company has implemented a capital management strategy aimed at meeting regulatory requirements while enhancing capital return and risk resistance capabilities[200].

证券代码：601963 证券简称：重庆银行 公告编号：2023-018 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 2022 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： 二、业绩说明会召开的时间、地点 1 会议召开时间：2023 年 4 月 7 日（星期五）上午 9:30-11:00 会议召开地点：上海证券交易所上证路演中心（http://roadshow.sseinfo.com/）、 全景网（https://rs.p5w.net/） 会议召开方式：视频直播和网络互动 投资者可于 2023 年 3 月 30 日（星期四）至 4 月 6 日（星期四）16:00 前登 录上证路演中心网站首页点击"提问预征集"栏目或通过本行投资者关系邮 箱（ir@cqcbank.com）进行提问。本行将在 2022 年度业绩说明会（以下简称 "业绩说明会"）上对投资者普遍关注的问题进行回答。 （一）会议召开时间：2023 年 4 月 7 日（星期五）上午 9:30-11:0 ...

Financial Performance - Net profit for the third quarter of 2022 was RMB 1.54 billion, a year-over-year increase of 5.33%[3] - The net profit attributable to shareholders was RMB 1.46 billion, up 3.34% from the same period last year[3] - The net profit for the nine months ended September 30, 2022, was RMB 4.437 billion, an increase of RMB 0.221 billion, or 5.23% year-on-year[19] - Operating income for the same period was RMB 10.467 billion, a decrease of RMB 0.536 billion, or 4.87% year-on-year, primarily due to losses from financial assets measured at fair value[19] - The bank's pre-tax profit for the nine months ended September 30, 2022, was RMB 5,372,228 thousand, slightly up from RMB 5,310,686 thousand in the same period of 2021[31] - The earnings per share attributable to shareholders for the nine months ended September 30, 2022, was RMB 1.22, compared to RMB 1.20 for the same period in 2021[28] Assets and Liabilities - Total assets as of September 30, 2022, reached RMB 670.32 billion, an increase of 8.30% compared to the end of 2021[3] - Total liabilities amounted to RMB 617.21 billion, up 8.34% from the previous year-end[3] - The bank's total equity increased to RMB 53,102,790 thousand as of September 30, 2022, compared to RMB 49,246,695 thousand at the end of 2021, reflecting a growth of approximately 7.5%[30] - As of September 30, 2022, total assets increased to RMB 670,317,628 thousand, up from RMB 618,953,620 thousand as of December 31, 2021, representing a growth of approximately 8.5%[29][30] - Total liabilities rose to RMB 617,214,838 thousand, compared to RMB 569,706,925 thousand, marking an increase of approximately 8.3%[30] Customer Loans and Deposits - Customer loans and advances totaled RMB 343.29 billion, reflecting a growth of 7.93% year-over-year[3] - Customer deposits increased to RMB 381.68 billion, marking a 12.69% rise compared to December 31, 2021[3] - The total amount of customer loans and advances was RMB 343.285 billion, an increase of RMB 25.223 billion, or 7.93% compared to the end of the previous year[19] - Customer deposits reached RMB 381.684 billion, up RMB 42.989 billion, representing a growth of 12.69% from the end of the previous year[19] Cash Flow - The net cash flow from operating activities was negative at RMB (7.38) billion, a decline of 167.48% compared to the previous year[9] - Net cash flow from operating activities for the nine months ended September 30, 2022, was RMB (11,615,917) thousand, compared to RMB (10,109,419) thousand for the same period in 2021, indicating a decline in cash flow[32][33] - Investment activities generated a net cash flow of RMB (12,585,716) thousand, worsening from RMB (8,292,978) thousand in the previous year[33] - Financing activities produced a net cash flow of RMB 18,998,200 thousand, down from RMB 20,891,615 thousand year-over-year[33] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio stood at 9.63% as of September 30, 2022, compared to 9.36% at the end of 2021[6] - The liquidity coverage ratio was 313.47% as of September 30, 2022, significantly higher than 172.87% at the end of 2021[8] - The adjusted leverage ratio was 7.02% as of September 30, 2022, down from 7.22% at the end of 2021[7] - The core Tier 1 capital adequacy ratio was 9.63%, and the Tier 1 capital adequacy ratio was 10.68%, both up 0.27 and 0.23 percentage points respectively from the end of the previous year[20] Shareholder Information - The total number of ordinary shareholders as of the reporting period end is 71,946, with 70,835 A-share shareholders and 1,111 H-share shareholders[10] - The top ten ordinary shareholders hold a total of 2,646,000,000 shares, representing 75.73% of the total share capital[11] - Hong Kong Central Clearing (Agent) holds 1,172,861,432 shares, accounting for 33.76% of the total share capital[11] - Chongqing Yufu Capital Operation Group holds 488,551,003 shares, representing 14.06% of the total share capital, with 407,929,748 shares subject to trading restrictions[11] - Lifan Technology Group holds 294,818,932 shares, which is 8.49% of the total share capital, with 129,564,932 shares pledged[11] - The total number of pledged shares is 137,212,307, accounting for 3.95% of the total share capital[15] - The total number of frozen shares is 54,041, representing 0.002% of the total share capital[15] - The only preferred shareholder is The Bank of New York, holding 37,500,000 shares, which is 100% of the preferred shares[17] - The top ten unrestricted ordinary shareholders have a combined holding of 1,172,861,432 shares in H shares and 68,600,000 shares in A shares[12] - Chongqing Water Investment Group holds 173,367,766 shares, accounting for 4.99% of the total share capital, with 139,838,675 shares subject to trading restrictions[11] Other Notable Events - The group successfully issued A-share convertible bonds totaling RMB 13 billion in March 2022, with an initial conversion price of RMB 11.28 per share[21] - The group was selected as one of the "Double Hundred Enterprises," a recognition aimed at promoting comprehensive reform among state-owned enterprises[22]

Financial Performance - Net profit for the first half of 2022 was RMB 2,896,970 thousand, representing a growth of 5.2% compared to RMB 2,754,310 thousand in the first half of 2021[16]. - The bank's operating profit for the first half of 2022 was RMB 3,346,706 thousand, a slight decrease of 0.2% from RMB 3,352,721 thousand in the same period of 2021[16]. - The bank's basic earnings per share for the first half of 2022 was RMB 0.80, a slight increase from RMB 0.79 in the same period of 2021[16]. - The net profit for the first half of 2022 was RMB 2.897 billion, up 5.2% from the same period last year[25]. - The pre-tax profit for the first half of 2022 was RMB 3,472.07 million, a slight increase of 0.3% compared to RMB 3,461.31 million in the same period of 2021[56]. Asset and Liability Management - As of June 30, 2022, the total assets of the group amounted to RMB 663.635 billion, with total deposits of RMB 376.740 billion and total loans of RMB 339.492 billion[11]. - The bank's total liabilities reached RMB 612.14 billion, up 7.4% from RMB 569.71 billion at the end of 2021[17]. - The bank's equity attributable to shareholders increased to RMB 49.48 billion, a 4.7% rise from RMB 47.27 billion at the end of 2021[17]. - Customer deposits rose to RMB 376.74 billion, reflecting an 11.2% increase from RMB 338.70 billion at the end of 2021[17]. - The total amount of financial investments measured at amortized cost was RMB 133.55 billion, an increase of RMB 3.08 billion or 2.4% compared to the end of 2021[66]. Loan and Credit Quality - The non-performing loan ratio stands at 1.29%, with a provision coverage ratio of 262.79%, indicating strong asset quality management[11]. - The total amount of loans in the manufacturing sector was RMB 24.73 billion, with an NPL amount of RMB 936.76 million and an NPL ratio of 3.79%[83]. - The total amount of loans in the wholesale and retail sector was RMB 17.35 billion, with an NPL amount of RMB 762.84 million and an NPL ratio of 4.40%[83]. - The total amount of loans in the real estate sector was RMB 10.98 billion, with an NPL amount of RMB 675.01 million and an NPL ratio of 6.15%[83]. - The overdue financial investments amounted to RMB 1.45 billion, increasing by RMB 0.26 billion or 22.0% year-on-year[65]. Risk Management - The bank emphasizes risk management and has outlined major risks and mitigation measures in the report[7]. - The bank's management team guarantees the authenticity, accuracy, and completeness of the semi-annual report[7]. - The group has established a comprehensive risk management system to ensure risk and return alignment[133]. - Credit risk management focuses on supporting real enterprises and strategic emerging industries[133]. - The bank is enhancing its digital risk control system, integrating various analytical tools for credit and asset protection[134]. Strategic Initiatives - The bank's strategic vision aims to build a first-class commercial bank with a focus on service enhancement, digital transformation, and distinctive development[11]. - The bank has launched exclusive products such as "Carbon Reduction Financing" to support the local economy and small enterprises[12]. - The company is committed to enhancing financial support for strategic emerging industries and advanced manufacturing sectors, promoting specialized credit loan products[106]. - The company established strategic partnerships with key industrial parks to provide comprehensive financial services, enhancing support for real economy enterprises[103]. - The bank launched the "Liuyun Butler" project to enhance digital financial services, integrating customer, product, and marketing management[107]. Digital Transformation - The bank's mobile banking personal customer base reached 1.6416 million, with a total of 3.7916 million transactions amounting to 125.674 billion yuan, and online business substitution rate exceeding 97%[122]. - The bank's digital risk control platform "Fengling Smart Evaluation" has been optimized to support precise marketing for corporate clients, focusing on key strategic layouts such as "dual cities" and "dual carbon"[119]. - The bank's wealth management product system includes five closed-end investment products and a cash management + periodic open investment product system[109]. - The bank optimized its securities investment structure by focusing on high liquidity assets such as government bonds and high-rated credit bonds[111]. - The bank's financial market business maintained steady growth in trading volume and improved trading capabilities[110]. Compliance and Governance - The group has enhanced its compliance risk management framework, adapting to new regulatory requirements and ensuring compliance across all business operations[150]. - The group has established a robust anti-money laundering management system, improving compliance and effectiveness through various initiatives during the reporting period[151]. - The company guarantees strict compliance with regulations from the China Securities Regulatory Commission and other relevant authorities[185]. - The company has committed to maintaining stock price stability for three years following its initial public offering[186]. - The company will ensure that any stock repurchase complies with applicable laws and regulations[190].

Financial Performance - Net profit for Q1 2022 was RMB 1.49 billion, a slight increase of 0.76% compared to RMB 1.48 billion in Q1 2021[3] - Operating income decreased by 13.35% to RMB 3.13 billion from RMB 3.61 billion in the same period last year[3] - Basic earnings per share for Q1 2022 were RMB 0.42, unchanged from Q1 2021[4] - The net interest income for the first quarter was RMB 2.69 billion, down from RMB 2.88 billion in the same period last year[21] - The company reported a pre-tax profit of RMB 1,784,487 thousand for the three months ended March 31, 2022, down from RMB 1,862,705 thousand in the same period of 2021, reflecting a decrease of 4.18%[26] Assets and Liabilities - Total assets as of March 31, 2022, reached RMB 643.15 billion, an increase of 3.91% compared to the end of 2021[3] - Total liabilities amounted to RMB 591.51 billion, up by 3.83% from the previous year-end[3] - The total liabilities and equity as of March 31, 2022, amounted to RMB 643,150,436 thousand, an increase from RMB 618,953,620 thousand as of December 31, 2021, showing a growth of 3.93%[25] Customer Loans and Deposits - Customer loans and advances totaled RMB 329.77 billion, reflecting a growth of 3.68% year-on-year[3] - Customer deposits rose to RMB 357.76 billion, marking a 5.63% increase compared to the previous year-end[3] - Total customer loans and advances amounted to RMB 329.77 billion, an increase of RMB 11.71 billion or 3.68% compared to the end of the previous year[17] Capital and Ratios - The core tier 1 capital ratio improved to 9.98% as of March 31, 2022, compared to 9.36% at the end of 2021[6] - The core Tier 1 capital adequacy ratio was 9.98%, and the total capital adequacy ratio was 13.42%, both showing increases from the end of the previous year[17] Cash Flow - Net cash outflow from operating activities surged by 222.35% to RMB (25.34 billion) due to adjustments in borrowing scale from other financial institutions[9] - The net cash flow from operating activities for the three months ended March 31, 2022, was RMB (25,339,566) thousand, compared to RMB (7,860,809) thousand for the same period in 2021, indicating a significant increase in cash outflow[27] - Net cash inflow from investment activities for the three months ended March 31, 2022, was RMB 13,018,737 thousand, compared to a net cash outflow of RMB (2,382,270) thousand in the same period of 2021[28] - The net cash inflow from financing activities for the three months ended March 31, 2022, was RMB 11,631,891 thousand, compared to RMB 8,076,873 thousand in the same period of 2021, indicating a growth of 44.56%[28] Shareholder Information - The total number of ordinary shareholders as of the reporting period end is 85,409, with 84,292 A-share shareholders and 1,117 H-share shareholders[10] - The top ten ordinary shareholders hold a total of 2,885,000,000 shares, accounting for 82.56% of the total share capital[11] - Hong Kong Central Clearing (Agent) holds 1,172,860,932 shares, representing 33.76% of the total share capital[11] - Chongqing Yufu Capital Operating Group holds 485,434,803 shares, accounting for 13.97% of the total share capital, with 407,929,748 shares under lock-up conditions[11] - Lifan Technology Group holds 458,574,853 shares, which is 13.20% of the total share capital, with 129,564,932 shares pledged[11] - The total number of pledged shares is 213,057,371, which is 6.13% of the total share capital[15] - The total number of frozen shares is 1,821,216, accounting for 0.05% of the total share capital[15] - The only preferred shareholder is The Bank of New York Depository (Nominees) Limited, holding 37,500,000 shares, representing 100% of the preferred shares[16] - The top ten unrestricted shareholders hold a total of 1,172,860,932 shares, which includes both A and H shares[12] - The combined shareholding of Chongqing Yufu Capital and its affiliates amounts to 516,608,350 shares, representing 14.87% of the total share capital[14] Other Financial Metrics - The non-performing loan balance was RMB 4.27 billion, with a non-performing loan ratio of 1.30%, unchanged from the end of the previous year[17] - The company’s provision for loan losses decreased to RMB 674,131 thousand for the three months ended March 31, 2022, from RMB 1,026,191 thousand in the same period of 2021, reflecting a reduction of 34.3%[26] - As of March 31, 2022, total equity attributable to shareholders increased to RMB 49,622,266 thousand from RMB 47,273,188 thousand as of December 31, 2021, representing a growth of 4.97%[25] - The company’s total shareholders' equity increased by 4.8% from RMB 49,246,695 thousand as of December 31, 2021, to RMB 51,642,546 thousand as of March 31, 2022[25]