呈交日期: 2023年9月4日 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2023年8月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 重慶農村商業銀行股份有限公司 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 | 03618 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,513,336,041 | RMB | | 1 RMB | | 2,513,336,041 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 2,513,336,041 | RMB | | 1 RMB | | 2,513,336,041 | | 2. 股份分類 | 普通股 | 股份類別 | A | ...

证券代码：601077 证券简称：渝农商行 公告编号：2023-028 重庆农村商业银行股份有限公司 一、 本次权益变动的基本情况 重庆渝富资本运营集团有限公司（以下简称"渝富资本"）持有本行 A 股 988,000,000 股，占本行总股本的 8.70%，为本行主要股东，渝富资本及其关联 方合并持有本行股份 1,028,246,454 股，合并持股占本行总股本的 9.05%。重庆 水务集团股份有限公司（以下简称"重庆水务"）持有本行 A 股 125,000,000 股， 占本行总股本的 1.10%。 为深化国有企业改革，重庆市国有资产监督管理委员会于 2023 年 8 月 31 日 决定将其持有的重庆水务环境控股集团有限公司 80%股权无偿划转至重庆渝富 控股集团有限公司。划转后，重庆水务将成为渝富资本关联方，渝富资本及其关 联方将合并持有本行股份 1,153,246,454 股，占本行总股本比例将达到 10.15%， 变动超过 1%。 二、 所涉及后续事项 1、本次无偿划转事项不会对本行日常经营活动构成重大影响，且尚需履行 经营者集中审查手续及办理相关过户登记手续，有关事项具有不确定性。本行将 持续关注相 ...

Financial Performance - The bank reported a total revenue of RMB 1.2 billion for the first half of 2023, representing a year-on-year increase of 15%[4]. - Net profit attributable to shareholders reached RMB 500 million, up 10% compared to the same period last year[4]. - The net profit for the first half of 2023 was RMB 7,120.5 million, a year-on-year increase of 9.61%[41]. - The total operating income for the first half of 2023 was RMB 14.8691 billion, a decrease from RMB 15.2979 billion in the same period of the previous year[128]. - Non-interest income increased by 12.70% to RMB 2,825.5 million, with other non-interest income rising by 24.86% to RMB 1,833.2 million[41]. - The basic earnings per share increased to RMB 0.61, up by RMB 0.05 from the previous year[41]. Asset and Liability Management - The bank's total assets increased to RMB 150 billion, reflecting a growth of 12% year-on-year[4]. - The total assets of the company reached RMB 1,438,791.1 million, an increase of 6.40% compared to the end of 2022[43]. - The total liabilities of the group amounted to CNY 1,318.618 billion, an increase of CNY 81.773 billion, representing a growth of 6.61%[101]. - The capital adequacy ratio stood at 15.30%, a decrease of 0.32 percentage points from the end of 2022[43]. - The total equity of the group was RMB 120.17 billion, an increase of RMB 4.72 billion or 4.09% from the end of the previous year, primarily due to retained earnings[107]. Customer Deposits and Loans - Customer deposits grew by 20% to RMB 100 billion, indicating strong customer confidence and market position[4]. - Customer deposits reached CNY 902.482 billion, an increase of CNY 77.535 billion, reflecting a growth of 9.40%[101]. - The net value of customer loans and advances reached RMB 645.1777 billion as of June 30, 2023, an increase of RMB 40.0923 billion or 6.63% compared to the end of 2022[84]. - Customer loans and advances increased by 6.49% to RMB 673,736.0 million compared to the end of 2022[43]. - The total amount of loans and advances as of June 30, 2023, was RMB 673.736 billion, with a breakdown of credit loans at RMB 129.752 billion (19.25%), guarantee loans at RMB 180.759 billion (26.83%), mortgage loans at RMB 259.155 billion (38.47%), and pledge loans at RMB 104.070 billion (15.45%)[123]. Non-Performing Loans and Risk Management - The non-performing loan ratio improved to 1.5%, down from 1.8% in the previous year, showcasing effective risk management[4]. - The non-performing loan ratio improved to 1.21%, down by 0.01 percentage points from the end of 2022[43]. - The coverage ratio for loan loss provisions was 350.87%, indicating strong risk resistance capabilities[48]. - The company has implemented strict credit policies and monitoring for key sectors, resulting in a decrease in the overall NPL balance and ratio[115]. - The company has strengthened the management of non-performing assets and aims to enhance the efficiency of resource utilization and risk monitoring[180]. Digital Transformation and Technology Investment - Investment in new technology and digital banking solutions increased by 25%, aimed at improving operational efficiency[4]. - The company has implemented a digital transformation strategy, enhancing financial technology innovation and developing a rural revitalization financial service management platform[51]. - The digital transformation strategy includes increasing investment in fintech and utilizing big data, AI, and cloud computing to enhance service capabilities[29]. - The group has increased its technology investment, completing 46 project approvals in the first half of 2023, with a total of 533 financial technology personnel, representing 3.69% of the workforce[161]. Strategic Initiatives and Market Position - The company aims to become a leading regional bank in China, focusing on retail banking, technology-driven operations, and talent development[19]. - The retail banking strategy emphasizes serving agriculture, small and medium enterprises, and county economies, with a goal to create a distinctive retail banking ecosystem[22]. - The company is committed to building a BBC financial ecosystem, transitioning from traditional banking to a platform-based model[22]. - The company is focusing on green finance service models, promoting the integration of green finance with local economic construction and social welfare[30]. - The company is enhancing digital management by building a big data platform for corporate business, achieving customer insights and integrating comprehensive services into the customer business ecosystem[30]. Customer Engagement and Service Enhancement - The company aims to enhance customer experience through a comprehensive customer management system, ensuring effective service across all client segments[25]. - The bank's customer service volume through telephone banking reached 3.5029 million calls, achieving a customer satisfaction rate of 99.21%[140]. - The number of retail customers reached nearly 29 million, with active customers totaling 15.3706 million, an increase of 360,000 year-on-year[139]. - The mobile banking user base grew to 14.0373 million, with a transaction amount of CNY 762.624 billion, reflecting a year-on-year growth of 7.05%[140]. Financial Products and Services - The company launched several new products, including "Qingfeng Loan" and "Yukuaizhi Loan," enhancing service diversity for various customer segments[144]. - The wealth management business achieved a sales volume of CNY 1.335 billion in insurance products, a year-on-year growth of 21.14%, with commission income from insurance business increasing by 74.73% to CNY 159 million[137]. - The group launched a series of financial products for rural revitalization, with cumulative issuance exceeding CNY 10 billion and a current scale of over CNY 8 billion[168]. Economic and Market Outlook - The bank anticipates a continued positive outlook for the second half of 2023, with expected revenue growth of 12%[4]. - The company plans to enhance digital transformation and improve financial service efficiency in the second half of the year[174]. - The group plans to continue monitoring macroeconomic policies and improve interest rate risk management to enhance revenue and market value[194].

Financial Performance - Net interest income for the six months ended June 30, 2023, was RMB 12,043.6 million, a decrease of 5.84% compared to RMB 12,790.8 million in the same period of 2022[26]. - Non-interest income increased by 12.70% to RMB 2,825.5 million from RMB 2,507.1 million year-on-year[26]. - Operating income for the first half of 2023 was RMB 14,869.1 million, down 2.80% from RMB 15,297.9 million in the previous year[26]. - The net profit attributable to shareholders for the six months ended June 30, 2023, was RMB 6,986.0 million, representing a year-on-year increase of 9.52%[26]. - Total assets as of June 30, 2023, reached RMB 1,438,791.1 million, reflecting a growth of 6.40% from RMB 1,352,301.2 million at the end of 2022[27]. - Customer loans and advances amounted to RMB 673,736.0 million, an increase of 6.49% compared to RMB 632,677.1 million at the end of 2022[27]. - The non-performing loan ratio stood at 1.21%, slightly improved from 1.22% at the end of 2022[27]. - The capital adequacy ratio was reported at 15.30%, down from 15.62% at the end of 2022[27]. Risk Management - The bank does not face any significant risks that require special attention from investors, and it has implemented measures to manage operational risks[4]. - The report includes forward-looking statements regarding the bank's future plans, emphasizing the need for investors to understand the risks involved[4]. - The bank's governance structure and compliance with corporate governance codes were highlighted in the report[5]. - The bank is focusing on green finance, aiming to establish a comprehensive green financial system to support the "dual carbon" goals[24]. - The group has implemented dynamic classification management and timely disposal of non-performing assets to ensure asset quality[81]. - The group has enhanced its risk management framework, focusing on proactive monitoring and quantifying risk analysis to maintain a high level of risk mitigation[131]. - The group has implemented a digital risk management system, optimizing risk assessment models and enhancing online risk data analysis capabilities[131]. Strategic Initiatives - Chongqing Rural Commercial Bank aims to become a leading regional bank in China, focusing on retail banking, technology-driven operations, and talent development[12]. - The bank's retail business strategy emphasizes serving agriculture, small and medium enterprises, and county economies, with a goal to establish a strong retail brand image in the Midwest[14]. - The bank's future outlook includes digital transformation and enhancing service capabilities through intelligent branch operations and online-offline integration[14]. - The company is focusing on a strategy of "retail-driven, technology-enabled, and talent-enhanced" development, aiming for comprehensive digital transformation and high-quality growth[168]. - The company plans to enhance its "big retail" capabilities, improve financial services for rural revitalization, and expand its online product system to maximize development space[168]. Digital Transformation - The company is committed to digital transformation, investing in fintech, big data, AI, and cloud computing to enhance its technological capabilities and create a proprietary "patent pool" and "standard library" tailored to local characteristics[18]. - The company plans to improve its digital management and customer insights through a big data platform, integrating comprehensive services into customer business ecosystems[17]. - The bank is enhancing its digital capabilities through a dedicated fintech center, aiming to create a fully integrated digital rural commercial bank[24]. - The company is enhancing its online and offline service integration to improve customer journeys and expand its online product advantages[19]. Corporate Governance - The board of directors confirmed that there will be no profit distribution or capital reserve conversion into share capital for the interim period of 2023[3]. - The company is continuously reviewing and enhancing its corporate governance to meet higher expectations from shareholders and investors[170]. - The company held one shareholders' meeting during the reporting period, reviewing 12 proposals and 3 reports[169]. - The board of directors convened 5 meetings, discussing 46 proposals and reviewing 32 reports[169]. - The company has purchased liability insurance for all directors and senior management to mitigate legal risks[170]. Customer Engagement - The number of mobile banking users exceeded 14 million, enhancing service efficiency and customer experience[32]. - The total number of debit cards issued reached 28.6489 million, with 12.8368 million cards featuring subsidized intercity remittance fees, attracting CNY 31.638 billion in intercity funds[99]. - The credit card business saw a net increase of CNY 1.249 billion in credit usage, a growth rate of 10.06%, with merchant transaction volume growing by 30.63% to CNY 97.698 billion[99]. - The number of retail customers reached nearly 29 million, with active customers totaling 15.3706 million, an increase of 361,100 year-on-year[100]. Financial Products and Services - The company has launched various new financial products, including "Yukuai Rural Loan" and "Yukuai Revitalization Loan," to meet the diverse financial needs of the rural market[194]. - The bank launched new products such as "Qingfeng Loan" and "Yukuaizhi Loan" to diversify its offerings and enhance customer service[103]. - The bank's wealth management business revenue from insurance products reached CNY 1.335 billion, a year-on-year increase of 21.14%, with commission income from insurance sales rising by 74.73% to CNY 159 million[99]. Employee Development - The company is implementing five talent development plans to enhance its workforce quality, including management talent, professional talent, and practical talent support initiatives[21]. - The company conducted over 790 training sessions in the first half of 2023, with a total of 76,000 participants, increasing the proportion of financial technology talent to 3.69%[184]. - The company has a total of 14,846 employees, with 14,428 in the main bank and 418 in subsidiaries[182]. Community and Social Responsibility - The report outlines the bank's commitment to social responsibility and environmental considerations in its operations[5]. - The company emphasizes the importance of green finance and aims to integrate it with local economic development and social welfare[17]. - The company has marketed a total of 20 wind power projects with a loan balance of CNY 2.015 billion and 14 photovoltaic projects with a loan balance of CNY 0.561 billion, leading in Chongqing[191].

重庆农村商业银行股份有限公司（以下简称"公司"）全体独立 董事认真审阅了公司提交第五届董事会第三十一次会议审议的《关于 审议重庆银行股份有限公司关联交易的议案》《关于审议浙商银行股 份有限公司关联交易的议案》《关于审议浙江网商银行股份有限公司 关联交易的议案》，并向公司了解相关资料和信息。 经审阅上述议案，全体独立董事根据《公司章程》及相关办法规 定，基于独立、客观判断，就本次提交董事会审议的关联交易发表 独立意见如下： 1.公司准确识别并界定关联方和重大关联交易，并根据监管要 求及《公司章程》《关联交易管理办法》规定提交董事会进行审议，履 行了相应的内部审批程序。 重庆农村商业银行股份有限公司独立董事 关于关联交易事项的独立意见 重庆农村商业银行股份有限公司独立董 事： 宋清华、张桥云、李明豪、李嘉明、毕 茜 2.公司关于对重庆银行股份有限公司、浙商银行股份有限公司、 浙江网商银行股份有限公司的关联交易，授信后拟发生业务的定价 将遵循市场定价原则，不优于非关联方同类交易条件，符合商业原 则和"一般商业条款"或更佳条款，未损害公司及股东，特别是中小 股东的利益，符合有关法律、法规及《公司章程》的规定。 202 ...

证券代码：601077 证券简称：渝农商行 公告编号：2023-026 重庆农村商业银行股份有限公司 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个别及连带责任。 第五届董事会第三十一次会议决议公告 重庆农村商业银行股份有限公司（以下简称"本行"）第五届董事会第三十 一次会议于 2023 年 8 月 25 日在本行总行 401 会议室以现场结合通讯方式召开。 本行已于 2023 年 8 月 11 日以电子邮件形式发出会议通知和材料，于 2023 年 8 月 21 日以电子邮件形式发出会议补充通知和材料。本次会议应出席董事 11 名， 实际出席董事 11 名（其中，现场出席董事 9 名，董事张培宗先生书面委托谢文 辉先生代为出席会议并行使表决权，董事李明豪先生以通讯方式参会）。会议的 召开符合法律、法规、规章和本行章程的有关规定。 本次会议由董事长谢文辉先生主持。本次会议审议通过了以下议案： 一、《关于审议重庆农村商业银行股份有限公司 2023 年半年度报告及其摘 要、业绩公告的议案》 表决情况：有效表决票 11 票，同意 11 票，反对 ...

证券代码：601077 证券简称：渝农商行 公告编号：2023-027 重庆农村商业银行股份有限公司 关于关联交易事项的公告 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个别及连带责任。 重要内容提示： 1. 经重庆农村商业银行股份有限公司（以下简称"本行"） 第五届董事会 第三十一次会议审议，同意对重庆银行股份有限公司（以下简称"重庆银行"） 同业综合授信额度 37.80 亿元，对浙江网商银行股份有限公司（以下简称"浙江 网商银行"）同业综合授信额度 15 亿元，以上授信期限均为 1 年。 一、 关联交易基本情况 （一）审议程序 本行第五届董事会第三十一次会议审议通过了《关于审议重庆银行股份有限 公司关联交易的议案》《关于审议浙江网商银行股份有限公司关联交易的议案》， 上述议案经本次董事会有效表决票全票通过（其中，董事胡淳女士、辜校旭女士 因关联关系回避表决）。会议同意对重庆银行同业综合授信额度 37.80 亿元，对 浙江网商银行同业综合授信额度 15 亿元，授信期限均为 1 年。上述议案已经本 行第五届董事会关联交易控制委员会第二十 ...

证券代码：601077 证券简称：渝农商行 公告编号：2023-025 重庆农村商业银行股份有限公司 第五届监事会第十七次会议决议公告 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，并对其内容的真实性、准确性和完整性承担个别及连带责任。 特此公告。 重庆农村商业银行股份有限公司监事会 2023 年 8 月 18 日 重庆农村商业银行股份有限公司（以下简称"本行"）第五届监事会第十七 次会议以书面传签、通讯表决方式召开。本行已于 2023 年 8 月 13 日以直接送 达、传真或电子邮件形式发出会议通知和材料，表决截止时间为 2023 年 8 月 18 日。截至 2023 年 8 月 18 日，本行已收到全部监事就本次会议审议事项的表决意 见。本次会议应参与表决监事 8 名，实际表决监事 8 名。会议的召开符合法律、 行政法规、部门规章、规范性文件和《重庆农村商业银行股份有限公司章程》的 有关规定。 本次会议审议通过了以下议案： 一、《关于审议<关于高嵩同志履职情况的审计报告>的议案》 表决情况：有效表决票 8 票，同意 8 票，反对 0 票，弃权 0 票。 ...

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。 * Chongqing Rural Commercial Bank Co., Ltd. * : 3618 中國‧重慶，二零二三年八月十五日 於本公告日期，本行執行董事為謝文輝先生、隋軍先生及張培宗先生；本行非執行董事 為胡淳女士、殷祥林先生及辜校旭女士；及本行獨立非執行董事為宋清華先生、張橋雲 先生、李明豪先生、李嘉明先生及畢茜女士。 董事會會議召開日期 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd. （* 「本行」）董 事會（「董事會」）茲通告謹定於二零二三年八月二十五日（星期五）舉行董事會會議，以審 議及通過（其中包括）本行及其附屬公司截至二零二三年六月三十日止六個月的中期業績 及其發佈。 代表董事會 重慶農村商業銀行股份有限公司* Chongqing Rural Commercial Bank Co., Ltd. * 董事長兼執行董事 ...

证券代码：601077 证券简称：渝农商行 公告编号：2023-024 重庆农村商业银行股份有限公司 关于关联交易事项的公告 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个别及连带责任。 重要内容提示： 1. 本次关联交易无需提交本行董事会和股东大会审议。 2. 本次交易不构成对关联方重大依赖，对本行的正常经营活动及财务状况 无重大影响。 一、 关联交易基本情况 （一）审议程序 经本行授信审批，同意集团客户华能重庆珞璜发电有限责任公司（以下简称 "华能珞璜"）集团授信额度 505,000 万元，集团成员华能珞璜分配集团授信额 度 70,000 万元，期限 1 年，不占用集团授信预留额度。华能珞璜分配集团授信 额度关联交易已经本行第五届董事会关联交易控制委员会第二十一次会议备案 审阅，无需提交本行董事会和股东大会审议。 （二）关联关系及关联交易情况 二、 关联方介绍 华能珞璜成立于 2003 年 12 月，法定代表人黄金喜，注册资本 174,831 万 元，控股股东为华能国际电力股份有限公司，实际控制人为国务院国资委。注册 地址重庆市江津 ...