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]

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。 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） 二〇二三年第三季度報告 重慶銀行股份有限公司*（「本行」）董事會（「董事會」）欣然公佈本行及其附屬公司 （「本集團」）截至2023年9月30日止第三季度期間（「報告期」）參照《國際財務報告 準則》（「國際財務報告準則」）編製的未經審計業績。本季度報告乃根據香港聯合 交易所有限公司證券上市規則（「上市規則」）第13.09條及香港法例第571章證券及 期貨條例第XIVA部項下之內幕消息條文（定義見上市規則）的要求做出。 1. 重要提示 1.1 本行董事會、監事會及董事、監事、高級管理人員保證本季度報告內容 的真實、準確、完整，不存在虛假記載、誤導性陳述或者重大遺漏，並 承擔個別和連帶的法律責任。 1.2 本行第六屆董事會第七十六次會議於2023年10月27日以 ...

Financial Performance - The net profit for the first half of 2023 was CNY 3,052,330 thousand, representing a year-on-year increase of 5.36% from CNY 2,896,970 thousand in 2022[13]. - Net interest income for the first half of 2023 was CNY 5,386,427 thousand, a slight increase of 0.60% compared to CNY 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[24]. - The group's pre-tax profit for the first half of 2023 was RMB 3.43 billion, down RMB 45.50 million or 1.31% compared to the same period last year[52]. - The net profit attributable to the shareholders of the bank for the first half of 2023 was RMB 2.91 billion, representing a year-on-year increase of 4.38%[22]. Asset and Liability Management - As of June 30, 2023, the total assets of the Bank of Chongqing amounted to CNY 727.06 billion, with total deposits of CNY 406.18 billion and total loans of CNY 378.41 billion[9]. - The total liabilities of the group reached RMB 673.09 billion, an increase of 6.30% from the previous year-end[20]. - The total equity of the group was RMB 53.97 billion, an increase of RMB 2.47 billion or 4.80% from the end of 2022[72]. - The capital adequacy ratio stood at 12.50%, indicating a stable capital strength[21]. - The core tier 1 capital adequacy ratio was 9.38% as of June 30, 2023, slightly down from 9.52% at the end of 2022[16]. Loan Quality and Risk Management - The non-performing loan ratio stood at 1.21%, with a provision coverage ratio of 251.88%, indicating strong asset quality and compliance with regulatory requirements[9]. - The non-performing loan ratio improved to 1.21% as of June 30, 2023, down from 1.38% at the end of 2022, indicating better asset quality[16]. - The loan loss provisions increased to RMB 11.43 billion, with a non-performing loan coverage ratio of 251.88%, up by 40.69 percentage points from the previous year[94]. - The group has strengthened risk management and credit risk prevention measures amid challenging macroeconomic conditions[75]. - The group is exploring new methods for managing non-performing assets to improve recovery efficiency and asset value[132]. Digital Transformation and Innovation - The bank achieved a 55.72% growth in self-operated online consumer products, emphasizing its digital transformation and technology-driven initiatives[9]. - The bank's digital banking services have integrated over 90 financial services in the upgraded mobile banking version 6.0, enhancing user experience[120]. - The bank has completed the design of the digital credit scene loan foundation, facilitating the migration of related products to the self-developed decision-making platform "Xinghan Zhice"[117]. - The company is enhancing its digital development by implementing a "Remote Assistance" system for loan processes, improving customer interaction and service efficiency[105]. - The digital credit product "Haoqi Loan" has cumulatively issued over 40.86 billion CNY, with a balance of 13.67 billion CNY, reflecting a year-to-date increase of 0.83 billion CNY, or 6.42%[117]. Regulatory Compliance and Governance - The financial report for the first half of 2023 has not been audited[6]. - The bank's board of directors confirmed the accuracy and completeness of the semi-annual report, assuming legal responsibility for any misrepresentation or omissions[6]. - The group has established a robust anti-money laundering framework, enhancing compliance through the development of a comprehensive management system and digital tools to monitor risks effectively[149]. - The group has met the minimum capital requirements set by the National Financial Supervision Administration, ensuring compliance with transitional arrangements and counter-cyclical capital requirements[151]. - The commitments made by the company and its major shareholders are effective from February 5, 2021, and are intended to be long-term[181]. Market Position and Recognition - The bank has been recognized as an investment-grade institution by Standard & Poor's for the past year, highlighting its financial stability[9]. - The bank has been ranked among the top 300 banks in the world by The Banker magazine for eight consecutive years, showcasing its competitive position[9]. - The company was recognized as an advanced unit for financial services to small and micro enterprises by the Chongqing Banking and Insurance Regulatory Bureau[103]. - The company has launched innovative products such as "Flow Loan" and "Communication Chain Quick Loan" to meet the financing needs of small and micro enterprises[104]. - The company is focusing on enhancing financial services for small and micro enterprises, increasing credit support and optimizing service pricing based on market rates[104]. Economic Environment and Outlook - The domestic GDP growth for the first half of 2023 was 5.50%, supporting the annual growth target of around 5%[159]. - The GDP of Chongqing grew by 4.60% year-on-year in the first half of 2023, indicating a recovery in the local economy[160]. - The banking sector will focus on supporting high-quality development of the real economy, enhancing technology-driven financial transformation, and advancing inclusive and green finance[160]. - Infrastructure investment and manufacturing investment show resilience, with significant potential for digital and green transformation in enterprises[160]. - The regulatory environment is evolving with ongoing reforms in financial supervision, aiming to strengthen risk prevention and enhance governance in financial institutions[160].

Financial Performance - Net profit for the first half of 2023 was CNY 3,052,330 thousand, representing a 5.36% increase compared to CNY 2,896,970 thousand in the first half of 2022[15]. - Interest income for the first half of 2023 reached CNY 14,085,252 thousand, a 3.14% increase from CNY 13,656,304 thousand in the same period of 2022[15]. - The bank's operating income for the first half of 2023 was RMB 6.98 billion, up by 3.07% year-on-year[23]. - The company's net profit reached RMB 3.052 billion, an increase of RMB 155.36 million, with a growth rate of 5.36% compared to the previous year[26]. - The bank's total loan amount reached RMB 336.18 billion, with a focus on inclusive finance and rural revitalization[8]. - The bank's total liabilities reached CNY 673,094,013 thousand, a 6.30% increase from CNY 633,217,086 thousand at the end of 2022[16]. - The bank's equity attributable to shareholders increased to CNY 51,738,550 thousand, a 4.87% rise from CNY 49,336,512 thousand at the end of 2022[16]. Asset and Liability Management - As of June 30, 2023, the total assets of the Bank of Chongqing amounted to RMB 727.06 billion, with total deposits reaching RMB 403.77 billion[8]. - The bank's total assets as of June 30, 2023, amounted to CNY 727,060,949 thousand, a 6.18% increase from CNY 684,712,563 thousand at the end of 2022[16]. - The bank's total customer deposits reached RMB 406.18 billion, an increase of RMB 23.58 billion, with a growth rate of 6.16% compared to the end of the previous year[74]. - The bank's total liabilities of the group amounted to RMB 673.09 billion, an increase of RMB 39.88 billion, representing a growth of 6.30% compared to the end of the previous year[73]. - The bank's total financial assets amounted to RMB 715.64 billion, while total financial liabilities were RMB 671.01 billion, resulting in a net financial position of RMB 44.63 billion[133]. Loan and Credit Quality - The non-performing loan ratio stood at 1.21%, while the provision coverage ratio was 251.88%[8]. - The non-performing loan ratio improved to 1.21%, down by 0.17 percentage points from the end of the previous year[24]. - The loan loss provisions amounted to RMB 11.43 billion, an increase of RMB 1.31 billion compared to the beginning of the year, with a coverage ratio of 251.88%, up by 40.69 percentage points[98]. - The overdue loans totaled RMB 9.66 billion, representing 2.57% of the total customer loans, a decrease of 0.40 percentage points from the end of 2022[91]. - The group’s total non-performing loans as of June 30, 2023, were RMB 4.56 billion, with a non-performing loan ratio of 1.21%[88]. Capital Adequacy and Risk Management - The capital adequacy ratio stood at 12.50%, with the core tier 1 capital ratio at 9.38% as of June 30, 2023[24]. - The core Tier 1 capital adequacy ratio is 9.38%, down 0.14 percentage points from the end of the previous year[148]. - The total capital adequacy ratio stands at 12.50%, reflecting a decline of 0.22 percentage points from the previous year-end[148]. - The bank's leverage ratio is 6.76% as of June 30, 2023, meeting regulatory requirements[150]. - The bank's liquidity coverage ratio as of June 30, 2023, was 255.37%, exceeding regulatory requirements, with high-quality liquid assets amounting to RMB 128.15 billion[138]. Strategic Initiatives and Support for Economy - The bank has actively supported the Chengdu-Chongqing economic circle and provided over RMB 70 billion in credit support to modern manufacturing industry clusters[8]. - The bank's "Two Increases" loans grew by RMB 4 billion compared to the end of the previous year, reflecting a strong focus on serving the real economy[8]. - The company provided credit support exceeding RMB 70 billion to the dual-city economic circle, focusing on major projects in infrastructure and industrial parks[105]. - The company supported over 2,500 enterprises with loan support exceeding RMB 50 billion, targeting key industrial clusters in the region[105]. - The bank's strategy includes expanding services to rural areas and supporting small and micro enterprises[126]. Digital Transformation and Innovation - The bank's digital payment services improved, integrating mobile payment features to enhance customer experience and increase transaction volume[110]. - The bank successfully launched its first cross-border e-commerce bulk financing business, marking the first foreign trade "Yumao Loan" in Chongqing, with a focus on quality cross-border e-commerce enterprises[115]. - The bank's wealth management product offerings were diversified, enhancing the marketing service system and improving customer service quality[110]. - The bank's digital asset construction has accelerated, with over 32,000 high-value data assets cataloged for operational efficiency[117]. - The bank's internet banking corporate clients reached 38,800, with total transaction amounts of 339.78 billion yuan[120]. Regulatory Compliance and Governance - The company has committed to strictly comply with the regulations of the China Securities Regulatory Commission and the relevant rules of the stock exchange where the issuer is listed[168]. - The company has established a long-term compliance management mechanism to strengthen operational compliance and risk control[143]. - The company has received an administrative warning from the China Securities Regulatory Commission for violations related to fund sales, which has been rectified[192]. - The company reported no non-operating fund occupation by controlling shareholders or related parties during the reporting period[183]. - The company has not experienced any criminal investigations or significant administrative penalties during the reporting period[192].

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].

Financial Performance - Net profit for Q1 2023 was CNY 1.54 billion, reflecting a 3.64% increase from CNY 1.49 billion in Q1 2022[5] - Operating income for the first quarter was CNY 3.23 billion, up 1.55% from CNY 3.18 billion in the same period last year[5] - Basic earnings per share increased to CNY 0.43, up from CNY 0.42 in Q1 2022[5] - Net profit for the first quarter of 2023 was RMB 1.54 billion, an increase of RMB 54 million or 3.64% year-on-year[21] - Operating income for the same period was RMB 3.23 billion, up RMB 49 million or 1.55% year-on-year[21] - Net profit attributable to shareholders for Q1 2023 was RMB 1,482,261 thousand, up from RMB 1,443,382 thousand in Q1 2022, reflecting a year-on-year increase of about 2.7%[32] - Net profit for Q1 2023 was RMB 1,417,858 thousand, slightly up from RMB 1,398,369 thousand in Q1 2022, indicating a growth of approximately 1.4%[39] - Total comprehensive income attributable to shareholders reached RMB 1,950,154 thousand in Q1 2023, up from RMB 1,276,256 thousand in Q1 2022, representing a year-on-year increase of approximately 53%[35] Asset and Liability Management - Total assets increased by 3.56% to CNY 709.12 billion as of March 31, 2023, compared to CNY 684.71 billion at the end of 2022[4] - Total liabilities as of March 31, 2023, amounted to RMB 620,650,461 thousand, compared to RMB 602,363,200 thousand at the end of 2022, indicating a growth of approximately 3.0%[28] - Total assets reached RMB 709.12 billion as of March 31, 2023, an increase of RMB 24.40 billion or 3.56% from the end of the previous year[21] - The bank's total equity increased to RMB 50,581,594 thousand as of March 31, 2023, from RMB 48,695,766 thousand in 2022, reflecting a growth of approximately 3.9%[28] Customer Loans and Deposits - Customer loans and advances rose by 4.01% to CNY 366.71 billion from CNY 352.57 billion year-over-year[4] - Customer deposits grew by 5.13% to CNY 402.22 billion compared to CNY 382.59 billion at the end of 2022[4] - Total customer loans and advances were RMB 366.71 billion, reflecting a growth of RMB 14.14 billion or 4.01% from the previous year-end[21] - Customer deposits amounted to RMB 402.22 billion, up RMB 19.63 billion or 5.13% compared to the end of last year[21] - The bank's total deposits reached RMB 401,533,635 thousand as of March 31, 2023, compared to RMB 381,973,538 thousand at the end of 2022, marking an increase of approximately 5.0%[28] Asset Quality - Non-performing loan balance decreased to RMB 4.53 billion, down RMB 310 million, with a non-performing loan ratio of 1.24%, a decrease of 0.14 percentage points[21] - The provision coverage ratio improved to 234.91%, an increase of 23.72 percentage points from the previous year-end[21] - The bank's non-performing loan ratio remained stable, with credit impairment losses recorded at RMB 552,066 thousand for Q1 2023, down from RMB 628,850 thousand in Q1 2022, indicating improved asset quality[29] Cash Flow and Investment Activities - The net cash flow from operating activities was CNY 4.30 billion, a significant recovery from a negative CNY 25.34 billion in the previous year[5] - Cash flow from operating activities generated a net inflow of RMB 4,295,652 thousand in Q1 2023, a significant recovery from a net outflow of RMB 25,339,566 thousand in Q1 2022[41] - The total cash inflow from operating activities in Q1 2023 was 22,046,894 thousand RMB, an increase of 8.6% compared to 20,299,561 thousand RMB in Q1 2022[46] - The cash outflow from investment activities in Q1 2023 was 30,050,080 thousand RMB, compared to 16,316,134 thousand RMB in Q1 2022, indicating a significant increase in investment spending[49] - The total cash inflow from investment activities in Q1 2023 was 18,327,749 thousand RMB, down from 29,714,705 thousand RMB in Q1 2022, representing a decrease of approximately 38.2%[49] Capital Adequacy and Ratios - The core Tier 1 capital adequacy ratio was 9.32% as of March 31, 2023, down from 9.52% at the end of 2022[9] - The core Tier 1 capital adequacy ratio was 9.32%, meeting the latest regulatory requirements[22] - The bank's cost-to-income ratio was 25.58%, an increase of 2.58 percentage points compared to the same period last year[21] - The liquidity coverage ratio improved to 270.78% from 242.19% year-over-year[12]

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 audited net profit for 2022 was CNY 4.687 billion, with a proposed cash dividend of CNY 0.395 per share[6]. - Net profit for 2022 was RMB 5,116,525 thousand, representing a growth of 5.30% compared to 2021[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]. - The bank's liquidity ratio improved significantly to 128.95%, up from 86.36% in the previous year[24]. - The average return on total assets decreased to 0.78%, down from 0.82% in 2021[24]. - The weighted average return on equity fell to 10.20%, compared to 10.99% in 2021[24]. - The bank's total operating income for corporate banking was CNY 8.83 billion, with a pre-tax profit of CNY 4.15 billion[102]. Asset and Liability Management - The total assets of the group reached CNY 684.713 billion, with total deposits of CNY 382.594 billion and total loans of CNY 352.573 billion[8]. - Total liabilities amounted to RMB 633,217,086 thousand, an increase of 11.15% year-on-year[23]. - The bank's equity attributable to shareholders rose by 4.36% to RMB 49,336,512 thousand[23]. - The total amount of customer deposits was RMB 382.59 billion, accounting for 60.42% of total liabilities[82]. - The total amount of overdue loans was CNY 10.42 billion, an increase of CNY 1.97 billion from the previous year[98]. Loan Quality and Risk Management - The non-performing loan ratio stood at 1.38%, with a provision coverage ratio of 211.19%[8]. - The bank's non-performing loan balance was RMB 4.83 billion, an increase of RMB 0.73 billion, with a non-performing loan ratio of 1.38%[89]. - The company's loan quality remained stable, with corporate loans showing a non-performing loan ratio of 1.73%[91]. - The group has focused on enhancing credit risk management and controlling new credit business risks while increasing efforts in handling existing risks[89]. - The loan loss provision balance was CNY 10.13 billion, a decrease of CNY 1.05 billion from the previous year[101]. Strategic Development and Vision - The bank aims to enhance service quality, digital transformation, and distinctive development as part of its strategic vision[8]. - The bank's strategic development framework includes three major tasks and three empowerment systems to achieve high-quality growth[8]. - The company aims to become a leading commercial bank in China, focusing on serving the real economy and enhancing financial services for local economies and small enterprises[15]. - The strategic vision includes three key tasks: service enhancement, digital transformation, and distinctive development, supported by technology, talent, and management empowerment[18]. Digital Transformation and Innovation - The bank became the first local legal person bank in Chongqing to access digital RMB services, enhancing its digital finance capabilities[9]. - The bank's online consumer products and digital transformation initiatives have positioned it as a leader in financial technology innovation[9]. - The bank's digital marketing strategies focused on key customer groups, including the elderly and new citizens, to enhance customer engagement and retention[113]. - The bank's technology investment totaled 384 million RMB in 2022, focusing on digital transformation and the development of a "smart bank" and "digital bank"[121]. Customer and Market Engagement - The number of personal customers grew by over 270,000, indicating strong customer acquisition efforts[30]. - The total number of debit cards issued rose by 302,800 to 4.9679 million, with transaction volume reaching RMB 13.202 billion during the reporting period[115]. - The total number of credit cards issued increased by 91,700 to 432,700, with an overdraft balance rising by RMB 3.723 billion to RMB 20.094 billion[115]. - The bank's retail customer relationship management system and "retail data marketplace" construction were completed, promoting digital transformation[9]. Compliance and Governance - The company has adhered to the corporate governance code and improved transparency and governance levels to protect shareholder rights and enhance corporate value[169]. - The board of directors is responsible for formulating the company's annual financial budget and profit distribution plans, as well as overseeing strategic implementation[173]. - The company has established a risk management and internal control policy, with the board bearing ultimate responsibility for comprehensive risk management[173]. - The board has authorized significant external investments and asset acquisitions within the scope defined by the shareholders' meeting[174]. Sustainability and Social Responsibility - The bank's green finance scale increased by 44.7% compared to the end of the previous year[9]. - The bank's "Rural Revitalization Youth Loan" won the "Top Ten Network Influence Excellent Case Award" in 2022, showcasing its commitment to social responsibility[14]. - The balance of green credit increased by 45%, reflecting the bank's commitment to sustainable finance[30]. - The company is committed to supporting rural revitalization by developing scenario-based digital products for agriculture and increasing credit support for new agricultural business entities[167].