Financial Performance - Net profit for Q3 2025 was RMB 1,801,650,000, reflecting a 20.49% increase compared to the same period last year[4] - Basic earnings per share increased by 22.50% to RMB 0.49 for Q3 2025[4] - The net profit for the first nine months of 2025 was CNY 5.196 billion, an increase of CNY 490 million, marking a growth of 10.42% year-on-year[21] - The bank's net profit for the nine months ended September 30, 2025, reached RMB 5,195,833 thousand, up 10.4% from RMB 4,705,500 thousand in 2024[31] - Total comprehensive income attributable to shareholders for the nine months ended September 30, 2025, was RMB 2,903,954, a decrease of 40.8% compared to RMB 4,906,837 in 2024[32] Income and Revenue - Operating income for Q3 2025 reached RMB 4,080,754,000, up 17.38% year-on-year[4] - The operating income for the same period was CNY 11.740 billion, up CNY 1.106 billion, with a growth rate of 10.40%[21] - The bank's total operating income for the nine months ended September 30, 2025, was RMB 11,740,161 thousand, an increase of 10.4% from RMB 10,634,474 thousand in 2024[30] - Net interest income for the nine months ended September 30, 2025, was RMB 9,120,058 thousand, an increase of 15.2% compared to RMB 7,915,024 thousand in the same period of 2024[30] - The bank's investment income for the nine months ended September 30, 2025, was RMB 2,340,579 thousand, an increase of 25% from RMB 1,874,157 thousand in 2024[30] Assets and Liabilities - Total assets increased by 19.39% year-on-year, reaching RMB 1,022,749,648,000 as of September 30, 2025[4] - Total liabilities rose to RMB 956,747,743 thousand as of September 30, 2025, compared to RMB 792,877,922 thousand in 2024, marking an increase of approximately 20.7%[27] - Customer loans and advances rose by 18.10% year-on-year, totaling RMB 520,384,849,000[4] - The bank's loan and advance balance increased to RMB 505,779,026 thousand in 2025, up from RMB 427,263,845 thousand in 2024, reflecting a growth of 18.3%[26] Capital and Ratios - The capital adequacy ratio stood at 12.60% as of September 30, 2025, down from 14.46% at the end of 2024[9] - The core Tier 1 capital adequacy ratio was 8.57%, down 1.31 percentage points from the end of the previous year, meeting regulatory requirements[22] - The weighted average return on equity increased to 11.95%, up 1.38 percentage points year-on-year[4] Cash Flow - The net cash flow from operating activities for the first nine months of 2025 was RMB 54,368,226,000[4] - Cash flow from operating activities generated a net cash inflow of RMB 54,368,226 for the nine months ended September 30, 2025, compared to a net outflow of RMB 32,384,875 in 2024[36] - Cash inflow from investment activities for the nine months ended September 30, 2025, was RMB 91,260,394 thousand, an increase of 13.5% compared to RMB 80,110,285 thousand in 2024[39] - Cash outflow for repayment of debts for the nine months ended September 30, 2025, was RMB 122,590,000 thousand, an increase from RMB 116,390,000 thousand in 2024[40] Shareholder Information - The proposed cash dividend is CNY 1.684 per 10 shares, totaling CNY 585.12 million, which accounts for 11.99% of the net profit attributable to ordinary shareholders for the first three quarters[23] - The total number of ordinary shareholders was 36,303, with the top ten shareholders holding a combined 82.68% of the shares[3] - The total number of pledged shares was 123.14 million, accounting for 3.54% of the total share capital[19]

重庆银行股份有限公司独立董事 对第七届董事会第十五次会议相关事项的独立意见 根据《中华人民共和国公司法》《上市公司独立董事管理办法》等法律法 规及《重庆银行股份有限公司章程》（以下简称"《公司章程》"）的有关规定， 我们作为重庆银行股份有限公司（以下简称"公司"）的独立董事，本着公开、 公正、客观的原则，对公司第七届董事会第十五次会议相关事项发表独立意见 如下： 关于《2025年三季度利润预分配方案》的独立意见 公司《2025年三季度利润预分配方案》符合《国务院关于加强监管防范风 险推动资本市场高质量发展的若干意见》和中国证券监督管理委员会 《关于进 一步落实上市公司现金分红有关事项的通知》《上市公司监管指引第3号—上市 公司现金分红》以及《上海证券交易所上市公司自律监管指引第1号—规范运作》 等法律、法规和规范性文件及《公司章程》的要求，符合公司实际情况，不存 在损害公司及全体股东特别是中小股东利益的情形，我们同意在相关方案经董 事会审议批准后提交股东大会审议。 重庆银行股份有限公司独立董事 朱燕建、刘瑞晗、汪钦琳、曾宏、陈凤翔 2025年10月24日 ...

二、关于《2025 年三季度利润预分配方案》的议案 议案表决情况：有效表决票 7 票，同意 7 票，反对 0 票，弃权 0 票。 重庆银行股份有限公司（以下简称"本行"）于 2025 年 10 月 22 日发出第 六届监事会第四十八次会议通知，会议以书面传签表决方式召开，表决截止日为 2025 年 10 月 24 日。会议应参会监事 7 名，实际参会监事 7 名。会议的召开符 合法律法规及《重庆银行股份有限公司章程》的有关规定。 会议审议通过了以下议案： 一、关于《重庆银行股份有限公司 2025 年第三季度报告》的议案 议案表决情况：有效表决票 7 票，同意 7 票，反对 0 票，弃权 0 票。 监事会认为，《重庆银行股份有限公司 2025 年第三季度报告》的编制和审 核程序符合有关法律、行政法规和监管规定，报告内容真实、准确、完整地反映 了本行实际情况。 证券代码：601963 证券简称：重庆银行 公告编号：2025-065 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 第六届监事会第四十八次会议决议公告 本行监事会及全体监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 ...

证券代码：601963 证券简称：重庆银行 公告编号：2025-064 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 第七届董事会第十五次会议决议公告 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。 重庆银行股份有限公司（以下简称"本行"）于 2025 年 10 月 11 日发出第七 届董事会第十五次会议通知，会议于 10 月 24 日以现场会议方式在本行总行 27 楼三会议室召开。会议由高嵩董事主持，应参会董事 14 名，实际亲自参会董事 13 名，杨秀明董事长委托高嵩董事出席会议并代为行使表决权，本行监事、高 级管理人员列席了会议。会议的召开符合法律法规及《重庆银行股份有限公司章 程》的有关规定。 会议审议通过了以下议案： 一、关于《重庆银行股份有限公司 2025 年第三季度报告》的议案 议案表决情况：有效表决票 14 票，同意 14 票，反对 0 票，弃权 0 票。 本行董事会审计委员会已审议通过本议案，并同意提交董事会审议。 二、关于《2025 年三季度利润预分配方案》的议案 议案表决情况：有效表 ...

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份內容 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。 - 1 - BANK OF CHONGQING CO., LTD. * * 1963 建議修訂公司章程和若干議事規則 茲提述重慶銀行股份有限公司*（「本行」）日期為2025年6月27日的公告，內容有關（其中包 括）不再設立監事會。 建議修訂公司章程 為在公司治理中進一步加强黨的領導，完善現代金融企業制度，加强內部管理，促進本 行穩健可持續發展，提升公司治理質效，根據《中華人民共和國公司法（2023修訂）》（「《公 司法》」）、《銀行保險機構公司治理準則》、《上市公司章程指引》（2025修訂）、《上市公司 獨立董事管理辦法》、《上海證券交易所股票上市規則》等法律、法規、規章及上市規則， 結合同業章程修訂情況和本行經營管理實際，本行董事會（「董事會」）審議並批准了對本 行現行公司章程（「公司章程」）的若干建議修訂，主要修訂內容涉及對黨建相關內容進行 梳理和完善、對股東的權利和義務、股東會的職權以及議事流程等 ...

Core Insights - Chongqing Bank has demonstrated strong performance in the first half of 2025, achieving operating income of 7.659 billion yuan and net profit of 3.394 billion yuan, with year-on-year growth of 7% and 5.7% respectively [1] - The bank's total assets reached 1,008.7 billion yuan, completing its "14th Five-Year" strategic goal ahead of schedule, while maintaining good asset quality with key risk indicators showing improvement [1][7] Financial Performance - The bank's net interest income exceeded 5.8 billion yuan, reflecting a year-on-year increase of 12.2% [1] - Net interest margin for the first half of 2025 was 1.39%, up 4 basis points from the beginning of the year, despite ongoing pressure from market conditions [2] - Average loan interest rate was approximately 4.4%, slightly down by 8 basis points year-on-year, but the decline was significantly narrowed compared to previous periods [3] Asset and Liability Management - Average balance of interest-bearing liabilities increased to 838.312 billion yuan, a rise of 20.36% year-on-year, while the average cost of interest-bearing liabilities decreased to 2.29% [4] - The bank's savings deposits grew by 40.1 billion yuan, ranking second in Chongqing, with public deposits increasing by 27.5 billion yuan, leading the city [4] Risk Management - Key risk indicators showed a decline in non-performing loan ratio to 1.17%, down 0.08 percentage points from the beginning of the year, with a provision coverage ratio rising to 248.3% [1][9] - The bank has implemented a comprehensive risk management system, enhancing its ability to identify, warn, and manage risks effectively [9] Strategic Initiatives - Chongqing Bank has actively supported the Chengdu-Chongqing economic circle, with financing balances for major projects exceeding 90, and significant growth in loans for key industries [8] - The bank has developed specialized credit products and increased its focus on green finance, with green loans and leasing balances growing by 28% and 40% respectively [8] Future Outlook - The bank aims to further strengthen asset allocation, optimize liability management, and deepen risk control to support high-quality economic development [10]

Core Viewpoint - Chongqing Bank has successfully transitioned from a regional bank to a significant national financial entity, achieving a total asset of 1,008.7 billion yuan by July 2025, marking a growth of 152.1 billion yuan or 17.76% year-on-year, and becoming the first city commercial bank in China to reach the trillion-yuan mark in both A and H shares [1][2]. Group 1: Growth and Performance - As of July 2025, Chongqing Bank's deposit scale exceeded 540 billion yuan, and loan scale surpassed 500 billion yuan, with increases of 14.8% and 13.6% respectively since the beginning of the year [2]. - The bank achieved a loan increment of 60 billion yuan, leading the financial institutions in Chongqing and increasing its market share by 0.54 percentage points [2]. - In the first half of 2025, Chongqing Bank reported revenue of nearly 7.7 billion yuan, net interest income exceeding 5.8 billion yuan, and net profit close to 3.4 billion yuan, reflecting year-on-year growth of 7%, 12.2%, and 5.7% respectively [2]. Group 2: Asset Quality and Risk Management - Chongqing Bank's non-performing loan (NPL) ratio decreased to 1.17% by the end of Q2 2025, outperforming the national average of 1.49% [3]. - The bank's provision coverage ratio improved by 3.2 percentage points to 248.3%, significantly above the industry average, enhancing its risk buffer [3]. Group 3: Strategic Initiatives and Regional Development - Chongqing Bank provided nearly 140 billion yuan in credit support for the Chengdu-Chongqing economic circle, financing over 90 major regional projects [4]. - The bank has actively participated in the construction of the Western Land-Sea New Corridor, with a financing balance exceeding 47 billion yuan, representing a year-on-year growth of 175% [5]. Group 4: Support for Small and Micro Enterprises - Chongqing Bank issued a 5 billion yuan special financial bond for small and micro enterprises at a record low interest rate of 1.98%, marking its third consecutive year of issuing such bonds [7]. - The bank's small and micro enterprise loan balance reached 182.25 billion yuan, with a year-on-year increase of 33.12 billion yuan, indicating a strong commitment to supporting this sector [8]. Group 5: Future Outlook - The bank's transition to a trillion-yuan scale is seen as a milestone and a new starting point, emphasizing the importance of maintaining flexibility and innovation in decision-making [9]. - Future strategies will focus on balancing large corporate projects with small-scale inclusive finance, while enhancing its role in the Chengdu-Chongqing economic circle and the Western Land-Sea New Corridor [9].

Core Viewpoint - Chongqing Bank has faced significant regulatory penalties and management changes, highlighting ongoing compliance issues and challenges in achieving sustainable growth amidst a backdrop of operational expansion and risk management failures [1][7][10]. Regulatory Penalties - Chongqing Bank was fined 2.2 million yuan for failing to conduct due diligence in loan issuance and for imprudent investment decisions, marking another penalty in a series of regulatory actions this year [1][2]. - Since 2021, the bank has accumulated over 10 million yuan in fines for various violations, including loan management and anti-money laundering issues [1][7]. Management Changes - The bank has undergone a substantial leadership overhaul in 2023, with nearly all senior executives replaced, raising questions about the new management's ability to navigate compliance challenges and improve performance [1][9]. - The new management team is notably younger, with many members coming from Chongqing Rural Commercial Bank, indicating a strategy to leverage external expertise for internal reform [10]. Financial Performance - In 2024, Chongqing Bank reported a slight increase in revenue and net profit, with total operating income reaching 13.679 billion yuan (up 3.54%) and net profit at 5.117 billion yuan (up 3.8%) [4]. - Despite the growth in revenue, the bank's net interest income has declined for three consecutive years, with a reported 10.176 billion yuan in 2024, down 2.59% year-on-year [4]. Asset Quality - The bank's overall non-performing loan (NPL) ratio improved to 1.25%, but this was largely due to significant write-offs of bad loans, which totaled 3.049 billion yuan in 2024 [5][6]. - Retail loan NPL rates have reached alarming levels, with personal mortgage loans and credit card delinquencies showing significant increases [6]. Market Position and Challenges - Chongqing Bank's net interest margin has narrowed to 1.35%, placing it among the lowest in the A-share market, reflecting challenges in asset-liability management [4]. - The bank's reliance on non-interest income, which saw a substantial increase in fees and commissions, raises concerns about the sustainability of its revenue model in a volatile market environment [4].

Core Viewpoint - Chongqing Bank has faced regulatory penalties due to non-compliance with loan management practices, specifically the "three checks" process, which is critical for risk control in lending operations [1][3]. Group 1: Regulatory Issues - Chongqing Bank was fined 2.2 million yuan for failing to conduct due diligence in its loan "three checks" and for imprudent investment practices [3]. - This is not the first instance of regulatory issues for Chongqing Bank; it previously faced a fine of 400,000 yuan for similar violations in November 2024 [1][2]. Group 2: Financial Performance - As of July 2025, Chongqing Bank's total assets reached 1,008.7 billion yuan, an increase of 152.1 billion yuan, representing a growth rate of 17.76% compared to the end of the previous year [2]. - For the first half of 2025, the bank reported operating income of 7.659 billion yuan, a year-on-year increase of 7.00%, and a net profit attributable to shareholders of 3.19 billion yuan, up 5.39% year-on-year [5]. Group 3: Asset Quality and Capital Adequacy - As of mid-2025, Chongqing Bank's non-performing loan (NPL) ratio was 1.17%, a decrease of 0.08 percentage points from the end of the previous year, while the provision coverage ratio improved to 248.27%, up 3.19 percentage points [4]. - However, the bank's capital adequacy ratios have declined compared to the end of 2024, with the core tier 1 capital adequacy ratio at 8.80%, tier 1 capital adequacy ratio at 9.94%, and total capital adequacy ratio at 12.93% [4]. Group 4: Loan Structure - Chongqing Bank has a significant reliance on loans to state-owned enterprises, with such loans accounting for 78.17% of its total corporate loans as of 2024 [4].

Core Viewpoint - Chongqing Bank's stock has shown a slight decline of 0.58% on October 23, with a trading volume of 154 million yuan and a total market capitalization of 35.823 billion yuan [1] Dividend Analysis - The bank's dividend yields over the past three years were 5.83%, 5.86%, and 4.46% respectively [2] - Since its A-share listing, Chongqing Bank has distributed a total of 6.88 billion yuan in dividends, with 4.229 billion yuan distributed in the last three years [7] Business Initiatives - Chongqing Bank has launched various financial products to support rural revitalization, including "Rural Revitalization Loans" and "Live Pig Collateral Loans" [2] - The bank aims to enhance credit support for new agricultural entities and strengthen partnerships with local government financing guarantee companies [2] Company Overview - Chongqing Bank, established on September 2, 1996, is headquartered in Hong Kong and primarily provides corporate and personal banking services [6] - The bank's revenue composition includes 75.09% from corporate banking, 16.94% from personal banking, and 7.72% from funding operations [6] - As of June 30, the number of shareholders was 34,200, a decrease of 7.52% from the previous period [6] Stock Performance - The average trading cost of the stock is 9.62 yuan, with the current price approaching a resistance level of 10.48 yuan [5] - The stock has seen a net outflow of 5.873 million yuan from main funds today, indicating a trend of reduced holdings over the past three days [3][4]