Financial Performance - Net profit for the first quarter of 2024 was RMB 1,619,038 thousand, representing a year-on-year increase of 4.87%[4] - The net profit attributable to shareholders of the bank was RMB 1,542,084 thousand, an increase of 4.04% year-on-year[4] - The bank's basic earnings per share for the first quarter of 2024 was RMB 0.44, reflecting a year-on-year increase of 2.33%[4] - The total profit for Q1 2024 was RMB 1,872,966 thousand, slightly up from RMB 1,808,102 thousand in Q1 2023, representing a growth of 3.6%[29] - The bank's total comprehensive income for Q1 2024 was RMB 2,081,099 thousand, compared to RMB 2,011,683 thousand in Q1 2023, an increase of 3.4%[33] Asset and Liability Management - Total assets as of March 31, 2024, reached RMB 780,803,934 thousand, an increase of 2.75% compared to the end of 2023[3] - Customer loans and advances totaled RMB 407,502,081 thousand, reflecting a growth of 3.71% from December 31, 2023[3] - Customer deposits increased to RMB 439,221,765 thousand, marking a rise of 5.88% compared to the previous year-end[3] - The total liabilities increased to CNY 719,423,393 thousand, up from CNY 700,584,443 thousand, reflecting a growth of 2.4%[23] Income and Revenue Streams - Operating income for the quarter was RMB 3.401 billion, an increase of RMB 167 million, with a growth rate of 5.17% compared to the same period last year[17] - Interest income for Q1 2024 reached RMB 7,057,913 thousand, an increase from RMB 6,826,202 thousand in Q1 2023, representing a growth of 3.4%[27] - Net interest income for Q1 2024 was RMB 2,454,742 thousand, slightly down from RMB 2,546,898 thousand in Q1 2023, a decrease of 3.6%[27] - Fee and commission income surged to RMB 294,937 thousand in Q1 2024, compared to RMB 125,269 thousand in Q1 2023, marking a significant increase of 135.5%[27] - Investment income for Q1 2024 was RMB 807,171 thousand, up from RMB 615,063 thousand in Q1 2023, reflecting a growth of 31.2%[27] Risk Management - The non-performing loan balance was RMB 5.392 billion, with a non-performing loan ratio of 1.33%, a decrease of 0.01 percentage points from the end of the previous year[17] - The coverage ratio for provisions stood at 233.20%, a decrease of 0.98 percentage points compared to the end of the previous year[17] - Non-performing loan ratio remained stable, indicating effective risk management strategies in place[25] Capital Adequacy - The core tier 1 capital adequacy ratio stood at 9.81% as of March 31, 2024, compared to 9.78% at the end of 2023[9] - As of the end of the reporting period, the core Tier 1 capital adequacy ratio was 9.81%, meeting the latest regulatory requirements[18] Cash Flow Analysis - The net cash flow from operating activities for Q1 2024 was a negative RMB 19,281,439 thousand, compared to a positive RMB 4,295,652 thousand in Q1 2023, indicating a significant decline in operational cash flow[39] - The net cash flow from financing activities was negative RMB 9,576,375 thousand, compared to a negative RMB 59,767 thousand in Q1 2023, showing increased cash outflows related to financing[41] - Total cash inflow from investment activities reached RMB 29,943,772 thousand, up from RMB 18,327,749 thousand in the same period last year, reflecting a strong recovery in investment cash flow[40] Future Outlook - The bank plans to expand its market presence through new product offerings and technological advancements in the upcoming quarters[25] - The bank is focusing on enhancing its digital banking capabilities to attract a younger customer demographic[25] - The bank's net profit for the quarter is expected to show a positive trend, driven by increased lending activities and improved asset quality[25]

Financial Performance - Net profit for the first quarter of 2024 was RMB 1,619,038, representing a year-on-year increase of 4.87%[5] - Basic earnings per share for the first quarter stood at RMB 0.44, an increase of 2.33% compared to the same period last year[5] - Operating income for the same period was RMB 3.30 billion, up RMB 0.17 billion or 5.51% from the previous year[20] - The pre-tax profit for the first quarter of 2024 was RMB 1,872,966 thousand, an increase from RMB 1,808,102 thousand in the first quarter of 2023, reflecting a growth of 3.6%[27] Assets and Liabilities - Total assets as of March 31, 2024, reached RMB 780,803,934, an increase of 2.75% compared to the end of 2023[4] - Total liabilities amounted to RMB 719,423,393, up by 2.69% from the previous year-end[4] - The total liabilities and equity as of March 31, 2024, amounted to RMB 780,803,934 thousand, up from RMB 759,883,870 thousand as of December 31, 2023[26] Customer Loans and Deposits - Customer loans and advances totaled RMB 407,502,081, reflecting a growth of 3.71% year-on-year[4] - Customer deposits increased to RMB 439,221,765, marking a rise of 5.88% compared to December 31, 2023[4] - The net increase in customer loans and advances for the first quarter of 2024 was RMB 15,248,423 thousand, compared to RMB 14,990,409 thousand in the first quarter of 2023[27] - Customer deposits increased to RMB 23,649,148 thousand in the first quarter of 2024, compared to RMB 19,183,261 thousand in the same period of 2023, marking an increase of 23.7%[28] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio was 9.81% as of March 31, 2024, slightly up from 9.78% at the end of 2023[8] - The liquidity coverage ratio improved to 332.86% from 277.49% at the end of 2023[10] - The cost-to-income ratio improved to 22.84%, down 4.06 percentage points year-on-year[17] - The core Tier 1 capital adequacy ratio was 9.81%, meeting the latest regulatory requirements[17] Shareholder Information - The top ten shareholders hold a total of 2,668,000,000 shares, representing 76.56% of the total share capital[12] - Hong Kong Central Clearing Limited holds 1,172,536,952 shares, accounting for 33.75% of the total share capital[12] - Chongqing Yufu Capital Operation Group holds 496,316,727 shares, representing 14.28% of the total share capital[12] - Lifan Technology Group holds 294,818,932 shares, accounting for 8.49% of the total share capital[15] - Shanghai Automotive Group holds 240,463,650 shares, representing 6.92% of the total share capital[15] - Fude Life Insurance holds 217,570,150 shares, which is 6.26% of the total share capital[15] - Chongqing Real Estate Group holds 174,850,488 shares, accounting for 5.03% of the total share capital[12] - Chongqing Road and Bridge holds 171,339,698 shares, representing 4.93% of the total share capital[12] Cash Flow - The net cash flow from operating activities showed a significant decrease, amounting to (19,281,439), indicating adjustments in borrowing strategies[5] - The net cash flow from investing activities for the first quarter of 2024 was RMB 22,293,332 thousand, a significant improvement from a negative RMB 11,769,564 thousand in the first quarter of 2023[29] - The net cash flow from financing activities for the first quarter of 2024 was negative RMB 9,576,375 thousand, compared to a negative RMB 59,767 thousand in the same period of 2023[29] Non-Performing Loans - The non-performing loan balance was RMB 5.39 billion, with a non-performing loan ratio of 1.33%, a decrease of 0.01 percentage points from the end of the previous year[17]

Financial Performance - The net profit for 2023 was RMB 4.699 billion, with a proposed cash dividend of RMB 0.408 per share (before tax) for shareholders [11]. - The company achieved a net profit of over 5.2 billion RMB in 2023, with total assets reaching nearly 760 billion RMB [53]. - Net profit for 2023 was CNY 5.229 billion, reflecting a year-on-year growth of 2.20% [58]. - The average return on total assets decreased to 0.72% in 2023 from 0.78% in 2022, while the weighted average return on equity was 10.14% [48]. - The company reported a pre-tax profit of RMB 6,087.642 million, a decrease of RMB 201.295 million or 3.20% from the previous year [62]. - The total operating income for 2023 was RMB 12,845,515,000, a decrease from RMB 13,143,636,000 in 2022 [133]. Asset and Loan Growth - The company's total assets reached RMB 759.884 billion, with total deposits of RMB 414.813 billion and total loans of RMB 392.935 billion, achieving a non-performing loan ratio of 1.34% and a provision coverage ratio of 234.18% [33]. - Customer loans and advances totaled RMB 392,934,966 thousand, an 11.45% increase from RMB 352,573,462 thousand in 2022 [47]. - Total assets increased by 10.98% to RMB 759,883,870 thousand from RMB 684,712,563 thousand in 2022 [47]. - The loan balance increased to CNY 392.935 billion, up 11.45% from the previous year [57]. - The total amount of financial investments reached RMB 280.74 billion, an increase of RMB 34.91 billion or 14.20% compared to the previous year [97]. Risk Management and Asset Quality - The non-performing loan ratio improved slightly to 1.34% in 2023 from 1.38% in 2022, with a provision coverage ratio of 234.18% [48]. - The group reported a loan loss provision balance of RMB 12.14 billion, an increase of RMB 2.01 billion compared to the previous year, with a coverage ratio of 234.18% [131]. - The total overdue loans amounted to RMB 7.62 billion, representing 1.95% of the total customer loans, down from 2.97% year-on-year [125]. - The company dynamically adjusted its credit strategies based on macroeconomic policies and market changes to strengthen risk prevention [117]. Digital Transformation and Innovation - The company aims to enhance its digital transformation and technology-driven initiatives, focusing on brand building and image enhancement, achieving a BBB- investment grade rating from S&P for seven consecutive years [33]. - The bank's digital transformation efforts were acknowledged with the "External Data Management Capability Maturity Level 3" certification from the China Academy of Information and Communications Technology in August 2023 [39]. - The company introduced 44 data sources and 270 external services in collaboration with the Chongqing Big Data Bureau, enhancing data asset management capabilities [153]. - The company has established a digital certificate platform using OCR and RPA technologies to enhance service efficiency and customer experience [158]. Strategic Initiatives and Future Plans - The company aims to become a leading national commercial bank with a strategic vision focused on "safeguarding the essence, distinctive features, safety and stability, and exceptional value" [40]. - The company plans to enhance financial services in line with major national strategies, including the Chengdu-Chongqing economic circle [199]. - The company will support strategic emerging industries and technology sectors through comprehensive credit management [199]. - The company is committed to improving comprehensive operational capabilities through integrated pricing mechanisms and cross-selling strategies [200]. Awards and Recognition - Bank of Chongqing achieved recognition as a "Leading Enterprise" for the fourth consecutive year by the National Market Supervision Administration and the People's Bank of China in March 2023 [38]. - In 2023, the bank received multiple awards, including the "Outstanding Unit" in the evaluation of financial services for rural revitalization and the "Advanced Unit" in the evaluation of financial services for small and micro enterprises [38]. - The bank was awarded the "Green Financial Innovation Case" by The Banker magazine, highlighting its commitment to sustainable finance [39]. Customer Engagement and Services - The total number of debit cards issued increased by 383,400 to 5.3513 million, with a consumption transaction amount of RMB 20.9 billion during the reporting period [144]. - The mobile banking app has 2.1744 million personal customers, an increase of 399,700 from the previous year, with total transaction amounts reaching CNY 254.36 billion, up CNY 23.87 billion year-on-year [156]. - The online banking platform has 41,100 corporate customers, an increase of 4,400, with total transaction amounts reaching CNY 776.59 billion, up CNY 261.39 billion year-on-year [157]. Financial Stability and Capital Management - The company's capital adequacy ratio stood at 13.37% in 2023, reflecting a stable capital position [48]. - The group has established a capital management strategy aimed at meeting regulatory requirements while enhancing capital return and risk resistance capabilities [187]. - The leverage ratio as of December 31, 2023, is 7.13%, exceeding regulatory requirements [192].

Investment Rating - The investment rating for Chongqing Bank is "Cautious Accumulate" [5]. Core Views - Chongqing Bank's 2023 performance shows stable growth with continuous improvement in asset quality. The bank is strategically located in the core area of the Chengdu-Chongqing economic circle, benefiting from rapid regional economic development. The retail loan structure has been effectively adjusted [3][4]. - As of the end of 2023, the core Tier 1 capital adequacy ratio stands at 9.78%, and the cash dividend rate has remained high and stable over the past three years, with the H-share dividend yield approaching 10%, indicating a high investment value [3][4]. - In Q4 2023, both revenue and profit growth improved, leading to stable annual performance, with a slight revenue decline of 1.9% and a minor net profit increase of 1.3%. Notably, Q4 2023 revenue grew by 5.5% year-on-year, primarily driven by a significant increase of 410% in other non-interest income [3][4]. Financial Summary - For the fiscal year 2023, Chongqing Bank reported a revenue of 13,211 million RMB, reflecting a decrease of 1.9% compared to the previous year. The net profit for the same period was 4,930 million RMB, showing a slight increase of 1.3% [4]. - The bank's price-to-earnings (PE) ratio is 3.01, and the price-to-book (PB) ratio is 0.29, indicating a relatively low valuation compared to historical levels [4]. Loan and Asset Quality - In Q4 2023, Chongqing Bank's net loan increase was 6.6 billion RMB, with a focus on higher quality loans. The total loan growth for the year was 11.3%, an increase of 0.4 percentage points from 2022, with 52% of new loans directed towards leasing and business services, and 10% towards infrastructure [3][4]. - The non-performing loan (NPL) ratio at the end of Q4 2023 rose slightly to 1.34%, but both the attention rate and overdue rate decreased compared to mid-year levels, indicating an overall improvement in asset quality [3][4].

Investment Rating - The report assigns a cautious buy rating to Chongqing Bank [1] Core Views - Chongqing Bank has significantly improved its asset quality and exhibits characteristics of a typical dividend stock with low valuation and high dividends, benefiting from regional economic recovery [2][3] - The bank is the first A+H listed city commercial bank in the western region, covering "one city and three provinces," with a stable market share in Chongqing [2][10] - The bank's credit risk management has improved, with a focus on local business and significant write-offs of non-performing loans [13][15] - The regional economic recovery provides positive options for growth, with Chongqing Bank poised to benefit from government policies aimed at stabilizing growth [2][3] - The bank's current H-share price-to-book (PB) ratio is at a historical low of 0.25x, with a dividend yield exceeding 10% in 2023, indicating high investment value [2][3] Summary by Sections 1. Overview of Chongqing Bank - Chongqing Bank was established in 1996 and became the first A+H listed city commercial bank in the western region in 2021 [7] - The bank has a diversified and decentralized shareholding structure, with no controlling shareholder [7][8] 2. Asset Quality Improvement - The bank's asset quality has significantly improved, with a focus on local business and substantial write-offs of non-performing loans [13][15] - The non-performing loan (NPL) ratio was 1.33% as of Q3 2023, which is higher than comparable peers [19] 3. Profitability and Growth Potential - Chongqing Bank's profitability is slightly below the industry average, with a return on equity (ROE) of 10.2% in 2022, lower than the average of 11.99% for listed city commercial banks [21][23] - The bank's growth in assets and loans has slowed since 2016, reflecting the regional economic conditions [24] 4. Investment Analysis - The bank's low valuation and high dividend yield make it an attractive investment opportunity [2][3] - The regional economic recovery is expected to support the bank's growth and asset quality improvement [2][3]

Financial Performance - The audited net profit for 2023 is CNY 4.699 billion, with a proposed cash dividend of CNY 0.408 per share[6]. - The bank's net profit for 2023 reached RMB 5,228,955 thousand, representing a 2.20% increase compared to RMB 5,116,525 thousand in 2022[20]. - The bank's basic earnings per share for 2023 were RMB 1.36, up 3.82% from RMB 1.31 in 2022[20]. - The bank's total operating income for 2023 was RMB 13,211,473 thousand, a slight decline of 1.89% from RMB 13,465,405 thousand in 2022[20]. - The bank's investment income increased by 9.05% to RMB 2,010,579 thousand in 2023, compared to RMB 1,843,673 thousand in 2022[20]. - The bank's cash flow from operating activities for 2023 was RMB 4,449,352 thousand, down 16.23% from RMB 5,311,657 thousand in 2022[20]. - The bank's total assets reached RMB 759.88 billion, an increase of 10.98% compared to RMB 684.71 billion in 2022[21]. - The bank's total customer loans and advances amounted to RMB 392.93 billion, reflecting an 11.45% growth from RMB 352.57 billion in the previous year[21]. - The bank's total customer deposits totaled RMB 414.81 billion, an increase of 8.42% from RMB 382.59 billion in 2022[21]. Risk Management - The non-performing loan ratio stood at 1.34%, with a provision coverage ratio of 234.18%[8]. - The company has strengthened its credit risk management and asset quality, with a focus on key industries such as new energy vehicles and green development[88]. - The company has implemented dynamic adjustments to its credit strategy based on national macro policies and market changes, enhancing risk prevention measures[88]. - The total loan loss provisions increased to RMB 12.139 billion, up RMB 2.012 billion from the previous year, with a non-performing loan coverage ratio of 234.18%, an increase of 22.99 percentage points[102]. - The overdue loans aged within 90 days were RMB 3.243 billion, representing 0.83% of the total loans, while overdue loans aged over 90 days accounted for RMB 4.380 billion, with a total overdue loan ratio of 1.95%[97]. Governance and Compliance - The board meeting confirmed that all financial reports are accurate and complete, with no material omissions[6]. - The bank's governance structure and compliance with regulations were confirmed during the board meeting[6]. - The board consists of 14 directors, including 2 women and 7 with extensive banking experience, reflecting a diverse composition[175]. - The board has established a communication and reporting mechanism with senior management, ensuring regular updates from the president[177]. - The company emphasizes the importance of governance and compliance with corporate governance codes during the reporting period[176]. Strategic Development - The company aims to become a leading listed commercial bank with a focus on serving the real economy, small and micro enterprises, and urban and rural residents[15]. - The company is implementing a "1-3-3" strategic development framework to enhance service, digital transformation, and distinctive development[15]. - The company plans to expand its product matrix to meet the needs of the "One City, Three Provinces" market, focusing on small and micro loans[17]. - The company is enhancing its personal loan offerings, including mortgage loans and consumer loans, to stabilize its market position[17]. - The company aims to strengthen its risk management and enhance its overall value through a focus on technology, talent, and management empowerment[16]. Digital Transformation - The company’s digital transformation and technology-driven initiatives have led to significant advancements in its product offerings and service capabilities[8]. - The company achieved the "External Data Management Capability Maturity Level (Level 3)" certification from the China Academy of Information and Communications Technology in August 2023[14]. - The bank is committed to digital transformation in personal banking, enhancing customer engagement through various marketing activities and payment ecosystems[114]. - The bank has established a digital certificate platform and applied OCR+RPA technology to automate and streamline business processes, significantly enhancing service capabilities and operational efficiency[127]. - The bank's mobile banking personal customers reached 2.1744 million, an increase of 399,700 from the end of the previous year; total transactions amounted to 9.9783 million, up by 2.3049 million year-on-year[125]. Community and Environmental Responsibility - The report outlines the bank's commitment to environmental and social responsibilities[6]. - The company was awarded the "Advanced Unit" in the evaluation of financial services for rural revitalization by the Chongqing Banking and Insurance Regulatory Bureau[13]. - The company provided credit support exceeding CNY 130 billion to key strategic areas and important industries during the reporting period[8]. - The company launched new financial products such as "流水贷" and "渝贸贷" to enhance accessibility and coverage of inclusive finance[112]. - The company donated 1.5 million yuan to both Southwest University and Chongqing University[180].

Financial Performance - The net profit for the year 2023 is CNY 4.699 billion, with a proposed cash dividend of CNY 0.408 per share[6]. - Net profit for 2023 was CNY 5.229 billion, reflecting a year-on-year growth of 2.20%[53]. - Net profit attributable to shareholders was RMB 4,929,787 thousand, representing a 1.27% increase from RMB 4,867,857 thousand in 2022[41]. - The bank's total liabilities amounted to RMB 700,584,443 thousand, an increase of 10.64% from RMB 633,217,086 thousand in 2022[42]. - The total equity of the group was RMB 59.30 billion, an increase of RMB 7.80 billion, representing a growth of 15.15% year-on-year[106]. - The average return on total assets decreased to 0.72% from 0.78% in 2022, while the weighted average return on equity slightly declined to 10.14%[43]. - The bank's operating income for 2023 was CNY 12.846 billion, with net interest income at CNY 10.447 billion, a decrease of 3.34% year-on-year[55]. - The total amount of customer loans and advances was RMB 392.93 billion, an increase of RMB 40.36 billion or 11.45% year-on-year[88]. Asset and Liability Management - As of December 31, 2023, the total assets of the Bank of Chongqing amounted to CNY 759.884 billion, with total deposits of CNY 414.813 billion and total loans of CNY 392.935 billion[28]. - The bank's total capital net amount reached RMB 69,708,993 thousand, reflecting a 14.22% increase from RMB 61,032,503 thousand in 2022[42]. - The capital adequacy ratio stood at 13.37%, with core Tier 1 capital ratio at 9.78%, both showing an increase from the previous year[54]. - The total amount of impaired financial assets was RMB 1,389.09 million, an increase from RMB 786.45 million, indicating a rise in credit risk[93]. - The total amount of high-quality liquid assets as of December 31, 2023, was RMB 132.62 billion, up from RMB 103.02 billion in 2022[174]. Risk Management - The bank emphasizes a risk management framework that covers various types of risks, ensuring that returns are aligned with the risks undertaken, thereby maximizing shareholder value[159]. - The bank's credit risk management focuses on supporting the real economy while optimizing the credit structure, particularly in modern manufacturing, green finance, and rural revitalization[160]. - The bank has implemented a dynamic management approach for non-performing assets, exploring new methods to enhance recovery efficiency and asset value[161]. - The provision for loan losses increased to RMB 12.14 billion, up RMB 2.01 billion from the previous year, with a non-performing loan coverage ratio of 234.18%[126]. - The company emphasizes the importance of risk management, enhancing its capabilities through a structured risk management framework and leveraging technology for better monitoring[40]. Digital Transformation and Innovation - The company has initiated 45 key digital transformation projects to enhance service innovation and operational efficiency[48]. - The bank's digital transformation investment grew by 21%, enhancing data management and technological capabilities[50]. - The digital credit product system launched 4 brands and 16 main products, with a cumulative issuance of 46.44 billion RMB and a remaining balance of 13.65 billion RMB[148]. - The company is focusing on digital transformation and has implemented a comprehensive online operation for deposit products, enhancing market expansion and business marketing capabilities[135]. - The company is enhancing its technology capabilities by optimizing digital tools to improve customer acquisition and management processes[195]. Strategic Vision and Goals - The bank's strategic vision focuses on becoming a first-class commercial bank with a commitment to local economic service and digital transformation[28]. - The company aims to stabilize asset quality, financial management, and operational safety in 2024[193]. - The company plans to enhance financial services in line with major national strategies, including the Chengdu-Chongqing economic circle[194]. - The company will focus on increasing credit asset ratios and expanding retail, inclusive finance, and green loan businesses[194]. - The company intends to optimize loan pricing and improve the efficiency of credit processes through automation and digitalization[194]. Awards and Recognition - The bank has been recognized for four consecutive years as a pioneer in financial technology innovation by the People's Bank of China[28]. - The company won several awards at the 2023 Third China Asset Management and Wealth Management Industry Golden Reputation Awards, including "Outstanding Asset Management City Commercial Bank" and "Outstanding Innovation Asset Management Bank" in June 2023[33]. - The company received the "2023 Annual Green Finance Innovation Case" by The Banker magazine in October 2023[34]. - The company has been recognized as a "Leader" in enterprise standards for the fourth consecutive year by multiple regulatory bodies in March 2023[33]. - The company received the "Pioneer 100 Index (2023)" award for its ESG efforts from the State-owned Assets Supervision and Administration Commission in December 2023[34]. Governance and Compliance - The company has fully complied with the corporate governance code as per the Hong Kong Stock Exchange regulations during the reporting period[196]. - The compliance management framework has been strengthened, with initiatives such as the "Compliance System Construction Strengthening Year" to enhance compliance capabilities and ensure adherence to regulations[179]. - The group has established a balanced mechanism between capital occupation and risk assets to ensure sustained compliance with capital adequacy ratios[182]. - The company is committed to high-level corporate governance, adhering to relevant laws and regulations, and continuously optimizing its governance structure[196]. - The company has established a transparent governance framework to protect shareholder rights and enhance corporate value[196].

财联社12月22日讯（记者 邹俊涛）追债近两年未果，重庆银行一纸诉状将中金公司等中介机构告上法庭。 12月22日晚，重庆银行发布关于诉讼事项的公告。公告称，该行向成渝金融法院提起诉讼，请求判令中国国际金融股份有限公司（以下简称"中金公司"）、 天职国际会计师事务所（特殊普通合伙）（以下简称"天职国际"）、东方金诚国际信用评估有限公司（以下简称"东方金诚"）等机构对重庆爱普地产（集 团）有限公司（以下简称"重庆爱普公司"）债券发行披露文件中虚假陈述导致的该行损失承担连带赔偿责任。 重要内容提示: ● 案件所处的诉讼(仲裁)阶段:已立案未开庭; ● 上市公司所处的当事人地位:原告: ● 涉案的全额: 债权投资本金 500,000,000 元以及按合同约定计算的利息和 ● 是否会对上市公司损益产生负面影响: 本次诉讼尚未开庭审理，本行已 将本次诉讼所涉债权投资纳入不良，并已对该笔债权计提相应减值准 备,预计本次诉讼事项不会对本行的本期利润或期后利润造成重大影 响,本行将根据案件审理情况依法履行信息披露义务。 露文件中虚假陈述导致的本行损失承担连带赌偿责任。近日,本行收到成渝金融 法院的《受理案件通知书》,现将本次诉 ...

每经记者 王砚丹 每经编辑 彭水萍 12月22日晚间，重庆银行发布公告，公司向成渝金融法院提起诉讼，请求判令中金公司、天职国际会计 师事务所(特殊普通合伙)、东方金诚国际信用评估有限公司、雷晓阳、简福庆、张剑峰、陈泯、程伟、 王林强等九家被告对重庆爱普地产(集团)有限公司债券发行披露文件中虚假陈述导致的本行损失承担连 带赔偿责任。 重庆银行表示，2016年2月4日，公司认购重庆爱普公司非公开发行公司债券5亿元，因重庆爱普公司未 能支付债券本金及利息等，公司以重庆爱普公司及相关担保人为被告向重庆市第一中级人民法院提起诉 讼，但因重庆爱普公司及相关担保人无可供执行财产，该债券本息尚未清偿。 重庆银行认为上述九名被告在上述债券发行披露的文件中未按照法律法规及行业规范履行职责，债券发 行《募集说明书》中未如实足额披露发行人负债及对外担保情况，存在虚假记载、误导性陈述及重大遗 漏等行为，因此要求其共同赔偿重庆银行投资上述债券所导致的债券本金损失5亿元以及截至目前1.99 亿元的债券利息及逾期利息损失。 ...

Financial Performance - Net profit for Q3 2023 decreased by 6.04% to CNY 1.45 billion compared to Q3 2022[4] - Net profit attributable to shareholders decreased by 6.37% to CNY 1.36 billion in Q3 2023[4] - The net profit for the nine months ended September 30, 2023, was CNY 4.499 billion, an increase of CNY 62 million, representing a growth of 1.40% year-on-year[17] - Operating revenue for the same period was CNY 10.248 billion, a decrease of CNY 410 million, indicating a decline of 3.84% compared to the previous year[17] - Total profit for the first nine months of 2023 was RMB 5,102,833 thousand, a decrease of 5.02% compared to RMB 5,372,228 thousand in 2022[26] - Net profit attributable to shareholders was RMB 4,270,278 thousand, slightly up from RMB 4,241,288 thousand in 2022, reflecting a growth of 0.69%[27] - Total operating income for the first nine months of 2023 was RMB 10,247,561 thousand, down from RMB 10,657,289 thousand in 2022, a decrease of 3.84%[24] Assets and Liabilities - Total assets increased by 8.29% to CNY 741.48 billion compared to the end of 2022[3] - Total liabilities amounted to RMB 685.96 billion, reflecting an increase of 8.34% from RMB 633.22 billion in the previous year[21] - As of September 30, 2023, the total assets of the group reached CNY 741.482 billion, an increase of CNY 56.769 billion, representing a growth of 8.29% compared to the end of the previous year[16] - Total cash inflow from investment activities increased to RMB 64,967,389 thousand in 2023 from RMB 62,258,166 thousand in 2022, representing a growth of about 4%[37] Customer Loans and Deposits - Customer loans and advances rose by 9.52% to CNY 386.15 billion year-on-year[3] - The bank's total customer deposits increased by 6.77% to CNY 408.49 billion compared to the end of 2022[3] - Customer deposits amounted to CNY 408.486 billion, an increase of CNY 25.892 billion, with a growth rate of 6.77%[17] - Total customer loans and advances reached CNY 386.147 billion, an increase of CNY 33.573 billion, reflecting a growth rate of 9.52%[17] Capital Adequacy and Ratios - Core Tier 1 capital adequacy ratio stood at 9.40% as of September 30, 2023, down from 9.52% at the end of 2022[7] - The core Tier 1 capital adequacy ratio was 9.40%, while the total capital adequacy ratio stood at 12.48%, meeting the latest regulatory requirements[17] - The liquidity coverage ratio improved to 275.90% as of September 30, 2023, up from 242.19% at the end of 2022[10] Cash Flow and Investments - Operating cash flow for Q3 2023 showed a significant decline of 69.16%, resulting in a net outflow of CNY 2.28 billion[11] - Net cash flow from operating activities for the nine months ended September 30, 2023, was negative at RMB 9,072,256 thousand, compared to negative RMB 11,615,917 thousand in the same period of 2022, showing an improvement of approximately 22%[35] - Cash inflow from bond issuance and interbank deposits was $126,208,475, slightly up from $125,680,124 in the same period last year, representing an increase of 0.42%[44] - Cash outflow from investment activities rose to RMB 83,565,473 thousand in 2023, compared to RMB 74,843,882 thousand in 2022, indicating an increase of approximately 11.5%[37] Shareholder Information - The number of ordinary shareholders reached 51,899 as of the report date[12] - The bank's equity attributable to shareholders increased to RMB 53.21 billion, up 7.57% from RMB 49.34 billion as of December 31, 2022[21] Non-Performing Loans - The non-performing loan balance was CNY 5.106 billion, an increase of CNY 271 million, with a non-performing loan ratio of 1.33%, down by 0.05 percentage points from the end of the previous year[17] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies[22] - The provision coverage ratio improved to 225.38%, an increase of 14.19 percentage points compared to the end of the previous year[17] Future Outlook - The bank plans to expand its market presence through new product offerings and technological advancements in the upcoming quarters[22]