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 1.公司准确识别并界定关联方和一般关联交易，并根据 监管要求、《公司章程》及《关联交易管理办法》规定提交 关联交易控制委员会备案审阅，履行了相应的内部程序。 2.公司关于对华能重庆珞璜发电有限责任公司关联交易， 按一般商业条款进行，并符合公司定价政策，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。 综上，全体独立董事对《关于华能重庆珞璜发电有限责 任公司的关联交易备案报告》无不同意见。 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（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关联交易控 制委员会第二十一次会议备案审阅的《关于华能重庆珞璜发 电有限责任公司的关联交易备案报告》，并向公司了解相关 资料和信息。 经审阅，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，就本次提交的关联交易备案报告 发表独立意见如下： 2023 年 8 月 11 日 ...

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 2023年第一季度報告 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.*（「本行」或 「本銀行」）董事會（「董事會」）欣然宣佈本行及所屬子公司（「本集團」）截至 2023年3月31 日止第一季度期間（「本報告期」）按照國際財務報告準則編製的未經審計業績（「本季度報 告」）。本季度報告乃根據香港聯合交易所有限公司（「香港聯交所」）證券上市規則（「上市 規則」）第13.09條及證券及期貨條例（香港法例第571章）第XIVA部項下之內幕消息條文 （定義見上市規則）的要求做出。 重要內容提示 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、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責 任 ...

证券代码：601077 证券简称：渝农商行 公告编号：2023-010 重庆农村商业银行股份有限公司 关于召开 2022 年度业绩说明会的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 重要内容提示： 重庆农村商业银行股份有限公司（以下简称"本行"）于 2023 年 3 月 31 日 披露了 2022 年年度报告，为使广大投资者更加全面、深入地了解本行 2022 年度 经营成果、财务状况，本行计划于 2023 年 4 月 26 日(星期三)下午 13:00-14:30 举行 2022 年度业绩说明会，就投资者普遍关注的问题进行回答。 一、业绩说明会类型 本次业绩说明会以视频结合网络互动形式召开，本行将针对 2022 年度的经 营成果及财务指标的具体情况与投资者进行互动交流和沟通，在信息披露允许的 范围内就投资者普遍关注的问题进行回答。 会议召开时间：2023 年 4 月 26 日(星期三)下午 13:00-14:30 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： ht ...

Dividend and Financial Reporting - The board of directors proposed a dividend of RMB 2.714 per 10 shares for the year 2022, subject to approval at the annual general meeting [2]. - The financial reports for 2022 have been audited by KPMG, with unqualified opinions issued for both Chinese and international financial reporting standards [2]. - The bank's financial report for 2022 covers the period from January 1, 2022, to December 31, 2022 [6]. - The board meeting on March 30, 2023, included all 11 directors, confirming the accuracy and completeness of the annual report [2]. Risk Management and Compliance - The bank has no significant risks that require special attention from investors, and it has implemented measures to manage operational risks [3]. - The bank's annual report confirms that there are no non-operational fund occupations by controlling shareholders or related parties [3]. - The bank has no violations of decision-making procedures regarding external guarantees [3]. - The bank's governance structure and compliance with regulations are detailed in the corporate governance report [4]. - The company aims to enhance its risk management mechanisms to stabilize asset quality amid economic fluctuations [12]. Business Performance and Financial Metrics - In 2022, the company's total assets exceeded 1.35 trillion yuan, with a deposit balance of 824.9 billion yuan and a loan balance of 632.7 billion yuan, achieving a net profit of 10.5 billion yuan and a non-performing loan ratio of 1.22% [7]. - The company reported a provision coverage ratio of 357.74% and a core Tier 1 capital adequacy ratio, ranking 113th in the "2022 Global Top 1000 Banks" list by The Banker magazine, an improvement of 6 places from the previous year [7]. - Net profit for 2022 reached RMB 10,477.8 million, an increase of 7.81% from RMB 9,718.4 million in 2021 [42]. - The average return on total assets for 2022 was 0.80%, slightly down from 0.81% in 2021 [42]. - The cost-to-income ratio for 2022 was 31.90%, an increase from 27.51% in 2021 [42]. Customer Engagement and Digital Transformation - The number of effective merchants increased by 44%, and the transaction amount surged by 246%, with a total customer base reaching 28 million, accounting for nearly 90% of the local population [7]. - The company aims to enhance financial services for new citizens' housing and consumption, improving the sense of gain and happiness for the public [9]. - The company achieved an average of 850,000 intelligent decisions per day, representing a year-on-year growth of 120% [10]. - The company is committed to digitalization, aiming to automate and enhance credit and risk management processes [21]. - The company is focused on integrating technology to solve offline bottlenecks and reshape customer journey through digital banking services [25]. Retail Banking and Market Position - The retail banking business is centered on serving agriculture, small and medium enterprises, and county economies, with a goal to establish a strong customer experience brand in the Midwest [18]. - Retail business revenue, pre-tax profit, and retail loan proportion for 2022 were 42.07%, 40.28%, and 44.69% respectively [31]. - The company aims to enhance contributions from personal banking, credit cards, microfinance, rural revitalization, and direct banking, maximizing the growth potential of its "big retail" segment [196]. Green Finance and Social Responsibility - Green loan balance exceeded 48.7 billion yuan, with a continuous growth rate of over 30% for three consecutive years, supporting carbon peak and carbon neutrality goals [9]. - The company actively engaged in green finance and increased credit investments in the "benefiting people's livelihood" sector and advanced manufacturing [79]. - The company established over 60 specialized service institutions and 1,067 inclusive finance bases to enhance rural financial services [8]. Talent Development and Operational Efficiency - The proportion of employees with a bachelor's degree or higher reached 76%, with financial technology talent accounting for 3.5% [10]. - The company has implemented 34 times more robotic process automation scenarios, significantly enhancing operational efficiency [10]. - The group held a total of 522 financial technology talents by the end of 2022, accounting for 3.54% of the workforce, including 5 PhDs [136]. Credit and Loan Management - The total amount of loans and advances as of December 31, 2022, was RMB 632.6771 billion, with a total non-performing loan amount of RMB 7.7165 billion, resulting in a non-performing loan rate of 1.22% [100]. - The retail loan non-performing balance and ratio increased compared to the previous year, primarily due to macroeconomic recovery slowing down and individual borrowers facing operational difficulties [100]. - The company has implemented dynamic classification management to address external risks and improve asset quality [99]. Liquidity and Capital Management - The liquidity coverage ratio was 296.92% as of December 31, 2022, with qualifying liquid assets amounting to RMB 178,727.93 million against expected net cash outflows of RMB 60,194.40 million [171]. - The group's capital adequacy ratio as of the end of 2022 was 15.62%, an increase of 0.85 percentage points from the previous year [185]. - The group successfully issued CNY 2 billion of perpetual capital bonds to supplement other tier 1 capital [185]. Future Outlook and Strategic Initiatives - The projected GDP growth for the Chongqing region in 2023 is expected to exceed 6%, with industrial added value and fixed asset investment anticipated to grow by 8% and 10%, respectively [195]. - The company plans to continue its strategic initiatives in product development and market expansion to capitalize on emerging opportunities in the financial sector [195]. - The company aims to enhance its market position in the Chongqing region, leveraging the potential of the Chengdu-Chongqing economic circle and the development of the Western financial center [195].

Financial Performance - Chongqing Rural Commercial Bank reported its audited annual performance for the year ending December 31, 2022[1]. - The financial report for 2022 was audited by KPMG, which issued an unqualified opinion on the financial statements[4]. - In 2022, the company achieved a net profit of 10.478 billion yuan, an increase of 759 million yuan, representing a year-on-year growth of 7.81%[151]. - Net interest income for 2022 was RMB 25,404.2 million, a decrease of 3.17% compared to RMB 26,234.8 million in 2021[44]. - Non-interest income was RMB 3,537.1 million, down 23.35% from RMB 4,614.8 million in the previous year[44]. - The bank's total operating income for 2022 was RMB 28,941.3 million, a decrease of 6.19% from RMB 30,849.6 million in 2021[44]. - The bank's return on average total assets was 0.80%, a slight decrease from 0.81% in the previous year[44]. - The bank's net interest margin decreased to 1.84%, down from 2.01% in 2021[44]. - The cost-to-income ratio increased to 31.90%, compared to 27.51% in the previous year[44]. - The bank's basic earnings per share for 2022 was RMB 0.89, up from RMB 0.84 in 2021[44]. Assets and Liabilities - In 2022, the company's total assets exceeded 1.35 trillion RMB, with deposits of 824.9 billion RMB and loans of 632.7 billion RMB[9]. - Total assets reached RMB 1,352.30 billion, an increase of RMB 86.01 billion or 6.79% compared to the previous year[48]. - Customer loan balance stood at RMB 632.68 billion, growing by RMB 50.51 billion or 8.68% year-on-year[48]. - Customer deposits totaled RMB 824.95 billion, representing 66.70% of total liabilities[92]. - Total liabilities reached RMB 1,236.84 billion, an increase of RMB 77.04 billion or 6.64% from the previous year[92]. - The proportion of personal deposits in total customer deposits increased by 2.56 percentage points year-on-year, reaching 82.11%[95]. Risk Management - The bank confirmed no non-operational fund occupation by controlling shareholders or related parties[5]. - There are no significant risks that require special attention from investors, as detailed in the risk management section of the report[5]. - The company emphasizes risk management, improving its ability to anticipate and address market changes[14]. - The company implemented dynamic classification management to address external risks and improve asset quality, resulting in a decrease in the non-performing loan ratio[101]. - The company’s risk control engine was successfully launched, achieving initial digitalization and automation of risk monitoring[136]. - The group implemented a comprehensive risk management framework, enhancing risk identification and control capabilities, and established a closed-loop risk control mechanism for online credit products[158]. Digital Transformation - The company is focusing on digital transformation, with a full online process for loan management and intelligent marketing[14]. - The company launched over 10 self-developed online products, with mobile banking customers surpassing 13.52 million and online loan balances exceeding 120 billion RMB[9]. - The bank's digital transformation initiatives included the launch of a mobile banking app and the implementation of AI-driven customer service solutions[39]. - The company aims to enhance digital management and build a big data platform for corporate business, achieving customer insights and integrating comprehensive services into the customer business ecosystem[25]. - The company is committed to enhancing financial services for new citizens, focusing on housing and consumption to improve the public's sense of gain and happiness[11]. Customer Engagement and Services - The number of effective merchants increased by 44%, and transaction volume surged by 246%, with a total customer base reaching 28 million, accounting for nearly 90% of the city's population[9]. - The company is committed to creating greater value for shareholders, employees, and society as the national economy recovers[15]. - The company aims to strengthen its "big retail" strategy by enhancing customer engagement and marketing efficiency[13]. - The company has implemented 34 times more robotic process automation scenarios, enhancing operational efficiency[12]. - The online loan application and renewal rates exceeded 90% and 95% respectively, optimizing service functionalities for small and micro enterprises[10]. Strategic Goals and Future Plans - The company aims to become a leading regional bank in China, focusing on "retail banking, technology-driven operations, and talent development" as its strategic goals[19]. - The company plans to continue leveraging monetary policy tools to manage deposit costs effectively[56]. - The company expects overall credit risk to remain controllable in 2023, with key asset quality indicators maintaining good levels compared to peers[155]. - The company plans to maintain the net interest margin at a reasonable level in 2023, focusing on increasing the proportion of low-cost liabilities[153]. - The company aims to enhance retail loan marketing efforts and support small and micro enterprises through tailored products and services[154]. Regulatory Compliance and Governance - The bank operates under the supervision of the China Banking and Insurance Regulatory Commission[3]. - The board meeting that approved the annual report had full attendance from the directors[4]. - The company has revised its related party transaction management measures to comply with regulatory requirements and enhance transaction approval processes[179]. - The bank has established a reputation risk management mechanism to enhance classification management and emergency response to negative public sentiment[176]. - The bank has improved its information technology risk management system, with no significant incidents reported during the reporting period[177].

Financial Performance - The bank reported a mid-year financial performance in 2022, with total assets reaching RMB 1.2 trillion, an increase of 10% compared to the previous year[4]. - Net profit for the first half of 2022 was RMB 2.5 billion, representing a year-on-year growth of 8%[4]. - The bank's non-performing loan (NPL) ratio stood at 1.5%, a decrease of 0.1 percentage points from the end of 2021[4]. - Customer deposits increased by 12% year-on-year, totaling RMB 900 billion[4]. - Net interest income for the six months ended June 30, 2022, was RMB 12,790.8 million, a decrease of 2.39% compared to RMB 13,104.0 million for the same period in 2021[27]. - Non-interest income increased by 21.26% to RMB 2,507.1 million from RMB 2,067.5 million year-on-year, with net fee and commission income at RMB 1,038.9 million[27]. - Total operating income reached RMB 15,297.9 million, a slight increase of 0.83% from RMB 15,171.5 million in the previous year[27]. - Net profit attributable to shareholders was RMB 6,379.0 million, reflecting an increase of 11.26% compared to RMB 5,733.3 million in the same period last year[27]. - The group achieved operating income of CNY 15.298 billion, a year-on-year increase of CNY 1.26 billion, representing a growth rate of 0.83%[138]. - Net profit reached CNY 6.496 billion, an increase of CNY 678 million year-on-year, with a growth rate of 11.66%[138]. Strategic Initiatives - The bank plans to expand its market presence by opening 20 new branches in rural areas by the end of 2023[4]. - Investment in technology and digital banking solutions increased by 15%, focusing on enhancing customer experience and operational efficiency[4]. - The company aims to become a leading regional bank in China, focusing on retail banking, technology-driven operations, and talent development[13]. - Retail banking is prioritized as the foundation of the business, with a goal to enhance customer experience and service capabilities in wealth management, consumer finance, and microfinance[14]. - A new retail strategy emphasizes transforming from product marketing to a customer-centric approach, creating a BBC financial ecosystem[17]. - The company plans to enhance its digital offerings by optimizing its mobile banking app and establishing intelligent branch networks[19]. - Financial technology investments will be increased, focusing on big data, AI, and cloud computing to drive innovation and operational efficiency[20]. - The company is committed to building a strong wealth management center to serve high-net-worth clients effectively[18]. - The company is committed to developing a modern financial service ecosystem by integrating platforms and scenarios, enhancing smart banking services[21]. - The company plans to leverage advanced technologies like big data to transform data assets into business flow, offering personalized services[23]. Risk Management - The bank has no significant risks related to non-operational fund occupation by controlling shareholders or related parties[4]. - The strategic focus includes risk management and sustainable development to support rural revitalization and the real economy[13]. - The company is committed to maintaining a strong capital management strategy to support its growth initiatives[4]. - The company is implementing a green finance framework structured as "1+3+22+N" to promote green lending and products[26]. - The group has implemented dynamic risk classification management to enhance asset quality and has made sufficient provisions for potential loan losses[87]. - The group has strengthened online channel construction, enhancing user experience through a new generation of corporate online banking[147]. - The group has enhanced its liquidity risk management information system to ensure compliance with regulatory requirements and improve overall liquidity management[163]. Customer Engagement - The company operates 1,452 county-level outlets, leveraging these channels to tap into the financial needs of rural areas[18]. - The number of mobile banking users surpassed 13 million, with electronic channel transaction substitution rate reaching 96.57%[33]. - The bank's VIP customer count increased by 201,100, a growth rate of 8.3%, with financial assets of VIP customers rising by CNY 67.37 billion, a growth of 9.54%[111]. - The bank's active customer count reached 15.01 million, with a year-on-year increase of 214,200 customers[111]. - The bank's credit card outstanding balance increased by 23.09% to RMB 11.254 billion, with effective merchants reaching 597,700, a growth of 48.87%[109]. Financial Investments - The company reported a significant increase in retail financial services, aiming for a market-leading position in the sector[14]. - The financial investment increased to RMB 544.83 billion, an increase of RMB 23.23 billion or 4.45% compared to the end of the previous year[67]. - Bond investments totaled RMB 439.38 billion, representing 80.65% of total financial investments, with a year-on-year increase of RMB 19.60 billion[73]. - The group focused on credit investment in the livelihood and advanced manufacturing sectors, enhancing support for green finance and rural revitalization[67]. Governance and Compliance - The company has adopted a code of conduct for securities trading that meets or exceeds the standards set by the Hong Kong Listing Rules[192]. - The current board of directors includes 10 members, with a mix of executive and non-executive roles, and a gender distribution of 3 females and 7 males[195]. - The supervisory board consists of 8 members, with 3 female representatives and 5 male representatives, ensuring diverse oversight[196]. - The company emphasizes governance with a structured board and supervisory committee, aiming for transparency and accountability in its operations[200].

Financial Performance - Operating income for Q1 2022 was RMB 7,589.1 million, a 1.36% increase from RMB 7,487.2 million in Q1 2021[4] - Net profit for Q1 2022 reached RMB 3,670.6 million, representing an 11.20% increase compared to RMB 3,300.9 million in Q1 2021[4] - The group achieved a net profit of 3.671 billion yuan for Q1 2022, representing a year-on-year growth of 11.20%[13] - Basic and diluted earnings per share for Q1 2022 were RMB 0.32, up from RMB 0.29 in the same quarter of the previous year, indicating an increase of about 10.3%[19] - The bank reported a profit of RMB 3,670,599 thousand for the three months ended March 31, 2022, compared to RMB 3,300,945 thousand for the same period in 2021, representing an increase of approximately 11.2%[21] - Total operating income reached RMB 13,118,186 thousand, up from RMB 12,488,398 thousand in the previous year, reflecting a growth of approximately 5.0%[45] Assets and Liabilities - Total assets as of March 31, 2022, amounted to RMB 1,309,667.2 million, a 3.43% increase from RMB 1,266,291.2 million at the end of 2021[4] - Customer loans and advances totaled RMB 607,946.4 million, up 4.43% from RMB 582,166.5 million at the end of 2021[4] - Total liabilities increased by 3.45% to RMB 1,199,853.9 million from RMB 1,159,807.1 million at the end of 2021[4] - Customer deposits rose by 7.90% to RMB 819,386.9 million from RMB 759,360.2 million at the end of 2021[4] - Total assets reached 1.309 trillion yuan as of March 31, 2022, an increase of 43.376 billion yuan or 3.43% from the end of the previous year[14] - Total liabilities amounted to 1.199 trillion yuan, up by 40.047 billion yuan or 3.45% from the end of the previous year[14] Cash Flow and Liquidity - Net cash flow from operating activities surged by 221.73% to RMB 53,627.0 million from RMB 16,668.2 million in the same period last year[5] - The liquidity coverage ratio was 265.38% as of March 31, 2022, indicating strong liquidity position[12] - The net cash flow from operating activities was primarily driven by an increase in net customer deposits and interbank placements[30] - Cash and cash equivalents increased to RMB 41,782,249 thousand as of March 31, 2022, compared to RMB 24,527,510 thousand at the end of the previous year, indicating a rise of 70.5%[50] Capital and Ratios - The core tier 1 capital ratio was 12.92% as of March 31, 2022, compared to 12.47% at the end of 2021[9] - The leverage ratio stood at 8.17% as of March 31, 2022, slightly down from 8.19% at the end of 2021[11] - The annualized return on total assets was 1.16%, up by 0.03 percentage points year-on-year[13] - The weighted average return on equity was 14.31%, an increase of 0.68 percentage points year-on-year[13] - The capital adequacy ratio was 15.21% as of March 31, 2022, compared to 14.77% at the end of the previous year[34] Non-Performing Loans and Impairment - Non-performing loan balance was 7.586 billion yuan, with a non-performing loan ratio of 1.25%, unchanged from the end of the previous year[14] - The group’s credit impairment losses decreased by 24.35% year-on-year to 1.082 billion yuan[13] - The bank's credit impairment losses were RMB 2,128,122 thousand, compared to RMB 2,007,962 thousand in the previous year, indicating an increase of approximately 6.0%[45] Shareholder Information - The bank's equity attributable to shareholders rose to RMB 108,230,531 thousand as of March 31, 2022, compared to RMB 104,952,779 thousand at the end of 2021, an increase of about 3.3%[23] - The bank's shareholders' equity was reported at RMB 3,619,171 thousand, an increase from RMB 3,248,349 thousand year-over-year, reflecting a growth of about 11.4%[44] - The bank's major shareholders include Hong Kong Central Clearing Limited, holding 2,513,336,041 shares, which represents a significant portion of the total shareholding structure[41]

Financial Performance - The net profit for the year reached 9.718 billion yuan, representing a year-on-year increase of 13.47%[12]. - The bank's total operating income for 2021 was RMB 30,849.6 million, representing a 9.47% increase from RMB 28,181.9 million in 2020[46]. - The basic earnings per share for 2021 was RMB 0.84, an increase of RMB 0.10 from RMB 0.74 in 2020[46]. - Non-interest income, including fees and commissions, reached RMB 4,614.8 million, reflecting a growth of 17.34% from RMB 3,933.0 million in the previous year[46]. - The company's net commission and fee income decreased to RMB 2.724 billion in 2021, a decline of RMB 179 million, or 6.16% year-on-year[72]. - The company reported other non-interest net income of RMB 1.891 billion in 2021, an increase of RMB 861 million, with a growth rate of 83.54%[74]. Asset Quality and Risk Management - The non-performing loan ratio stood at 1.25%, with an overdue loan ratio of 1.18% and a provision coverage ratio of 340.25%[12]. - The bank's credit impairment losses for 2021 were RMB (10,852.1) million, reflecting a 6.30% increase from RMB (10,208.6) million in 2020[46]. - The provision for asset impairment losses was 10.85 billion yuan, a year-on-year increase of 6.30%, reflecting a prudent approach to credit risk management[154]. - The overdue loan ratio was 1.18% at the end of 2021, remaining below the non-performing loan ratio for three consecutive years[158]. - The provision coverage ratio reached 340.25% by the end of 2021, an increase of 25.30 percentage points year-on-year[160]. Capital Adequacy - The capital adequacy ratio was reported at 14.77%[12]. - The bank's capital management aims to maintain capital levels above regulatory requirements while ensuring a buffer zone[198]. - Core Tier 1 capital adequacy ratio improved to 12.47% from 11.96% year-over-year[200]. - Total capital adequacy ratio rose to 14.77% from 14.28%, showing a year-over-year improvement[200]. Digital Transformation and Innovation - The digital banking platform has achieved a 97% electronic channel transaction substitution rate[14]. - The company applied for a total of 101 patents in its digital banking initiatives[10]. - The company has developed 559 scene products covering various life scenarios[14]. - The company is committed to digital transformation, investing in fintech innovations such as big data, AI, and cloud computing to enhance operational efficiency[29]. - The company launched a new AI-driven platform for small and micro enterprises, enhancing service efficiency and customer experience[131]. Retail Banking Strategy - Retail loans accounted for 47.33% of total loans, an increase of 4.69 percentage points from the end of last year[14]. - The retail banking strategy emphasizes enhancing customer experience and service capabilities, targeting improvements in wealth management, consumer finance, and microfinance[22]. - The company aims to deepen its retail market presence and enhance its service offerings to support small and micro enterprises[122]. - The company launched several innovative loan products, including "Yukuaidai" and "Jiefangdai," contributing to the growth of retail loan balances[123]. Customer and Market Growth - The number of effective merchants reached 401,500, a year-on-year increase of 151.25%, with cumulative transactions amounting to 47.56 billion yuan, up 4,183%[124]. - The number of active customers reached 17.0928 million, an increase of 471,400 from the previous year, achieving a 9.59% growth in VIP customer numbers[39]. - The number of inclusive small and micro customers increased by 23,800, with loan balance rising by CNY 21.444 billion[13]. - The company achieved an international settlement volume of USD 6.44 billion, a year-on-year increase of 14.09%[133]. Governance and Compliance - The bank's governance structure and compliance with corporate governance codes are outlined in the governance report[6]. - The bank has no violations of regulatory decision-making procedures regarding external guarantees[5]. - The bank's operations are not affected by non-operational fund occupation by controlling shareholders or related parties[5]. Future Outlook and Strategic Plans - The bank's future plans and forecasts are based on current conditions and projections, with a clear distinction between plans and commitments[5]. - The company aims to enhance its strategic execution capabilities to adapt to market changes and improve innovation, marketing, and management[11]. - The company plans to enhance value creation, digital driving force, and organizational support in 2022[15]. - The company aims to strengthen asset quality management and enhance risk management capabilities in the upcoming year[155].

2021 中 期 報 告 A 重庆农村商业张行 CHONGQING RURAL COMMERCIAL BANK 重慶農村商業銀行股份有限公司 股份代號：3618 * 本行經中國銀行保險監督管理機構批准持有B0335H250000001號金融許可證，並經重慶市市場監督 管理局核准領取統一社會信用代碼91500000676129728J的企業法人營業執照。本行根據香港銀行 業條例（香港法例第155章）並非一家認可機構，不受香港金融管理局監管，及不獲授權在香港經營銀 行╱接受存款業務。 重要提示 一 、 本行董事會、監事會及董事、監事、高級管理人員保證中期報告內容的真實、準確、完整，不存在 虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 二 、 本行於2021年8月25日召開了第四屆董事會第六十次會議，審議通過了本行2021年中期報告及業績 公告。會議應出席董事12名，實際出席12名，其中1名董事委託其他董事代為表決。本行部分監事 及高級管理人員列席了本次會議。 三 、 本行根據中國會計準則編製的2021年半年度財務報告已經普華永道中天會計師事務所（特殊普通合 夥）根據中國審閱準則審閱 ，根據國際財務 ...