Financial Performance - Net profit for Q1 2025 was RMB 3,817.0 million, up 4.24% from RMB 3,661.6 million in Q1 2024[6] - The net profit attributable to shareholders increased by 6.25% to RMB 3,744.6 million compared to RMB 3,524.3 million in the same period last year[6] - The total operating income for Q1 2025 was RMB 7,223.7 million, a slight increase of 1.35% from RMB 7,127.8 million in Q1 2024[6] - The company achieved operating revenue of 7.224 billion CNY, an increase of 1.35% year-on-year[19] - Net interest income was 5.812 billion CNY, up 5.31% compared to the same period last year[19] - The company’s weighted average return on equity was 12.00%, a decrease of 0.01 percentage points year-on-year[19] - Investment income for Q1 2025 was reported at 1,336,268 thousand RMB, significantly higher than 938,466 thousand RMB in Q1 2024, marking a growth of 42.38%[32] - The company’s basic earnings per share for Q1 2025 was 0.33 RMB, compared to 0.31 RMB in Q1 2024, showing an improvement in profitability per share[33] - The net profit for Q1 2025 reached CNY 3,380,066, up from CNY 2,891,377 in Q1 2024, reflecting a growth of 16.91%[41] Assets and Liabilities - Total assets reached RMB 1,610,333.9 million as of March 31, 2025, an increase of 6.30% compared to the end of 2024[5] - Total liabilities were 1.474967 trillion CNY, up 93.635 billion CNY, or 6.78% from the end of the previous year[20] - The total liabilities as of March 31, 2025, were 1,474,967,450 thousand RMB, up from 1,381,332,883 thousand RMB, reflecting an increase of 6.74%[30] - The total assets as of March 31, 2025, amounted to CNY 1,521,968,122, an increase from CNY 1,426,190,876 as of December 31, 2024, representing a growth of 6.69%[38] - The total equity increased to 135,366,458 thousand RMB as of March 31, 2025, from 133,608,787 thousand RMB at the end of 2024, reflecting a growth of 1.31%[30] Cash Flow and Liquidity - Operating cash flow net amount decreased significantly by 67.71% to RMB 22,569.6 million, primarily due to increased cash outflows for deposits with the central bank[9] - The company reported a net cash inflow from operating activities of 22,569,603 thousand RMB for Q1 2025, compared to 69,904,634 thousand RMB in Q1 2024, indicating a decrease in cash generation[35] - The net cash flow from operating activities for Q1 2025 was CNY 29,108,439, a decrease from CNY 75,257,069 in Q1 2024[44] - Cash and cash equivalents at the end of Q1 2025 were CNY 50,160,013, down from CNY 67,727,691 at the end of Q1 2024[36] - The cash outflow for redeeming issued bonds was (12,960,000), significantly lower than (39,830,000) in the prior period, suggesting a strategic reduction in debt obligations[45] - The total cash outflow for dividends and interest payments was (2,227,777), with no payments recorded in the previous period, indicating a shift in dividend policy[45] Capital Adequacy and Risk Management - The core Tier 1 capital adequacy ratio stood at 13.16% as of March 31, 2025, compared to 14.24% at the end of 2024[13] - The liquidity coverage ratio was reported at 451.72%, indicating strong liquidity position[17] - Non-performing loan balance stood at 8.747 billion CNY, with a non-performing loan ratio of 1.17%, down 0.01 percentage points from the end of the previous year[20] - Credit impairment losses decreased by 19.17% year-on-year to 1.078 billion CNY[19] Strategic Initiatives - The company is undergoing a transfer of 80% equity in Chongqing Water Environment Holdings Group Co., Ltd. to enhance state-owned enterprise reform[25]

渝农商行（601077）公告，2025年第一季度营业收入为72.24亿元，同比增长1.35%；净利润为38.17亿 元，同比增长4.24%；归属于本行股东的净利润为37.45亿元，同比增长6.25%；归属于本行股东的扣除 非经常性损益的净利润为37.42亿元，同比增长6.83%；经营活动产生的现金流量净额为225.7亿元，同 比下降67.71%；基本及稀释每股收益为0.33元/股，同比增长6.45%；扣除非经常性损益后基本及稀释每 股收益为0.33元/股，同比增长6.45%；加权平均净资产收益率为12.00%，同比下降0.01个百分点；平均 总资产回报率为0.99%，同比下降0.01个百分点。截至2025年3月31日，资产总额为1.61万亿元，同比增 长6.30%；负债总额为1.47万亿元，同比增长6.78%；客户存款为1.04万亿元，同比增长9.96%。 ...

"陈老五卤白鹅"门店。重庆农商行供图 近期，"荣昌卤鹅"火爆出圈，卤鹅产业迎来了前所未有的"爆单"盛况，销售量成倍增长。 作为地方金融服务实体经济、助力乡村振兴的"主力军"——重庆农村商业银行(以下简称"重庆农商行") 立足"荣昌卤鹅"实际，切实发挥支持小微企业融资协调工作机制作用，强化银政协同、开展行业调研、 打造专属产品、做好走访对接......通过一系列"组合拳"，创新推出"卤鹅产业贷"，成功打通卤鹅从养殖 到餐桌的资金血脉，助力荣昌卤鹅产业发展。 "陈老五卤白鹅"在荣昌经营二十余载，已成为当地家喻户晓的老字号卤鹅名片。为接住、接好这波流 量，最紧迫的就是要增加卤鹅备货量和供应量，促进线上线下渠道销售，而这其中关键的就是资金的保 障。近日，重庆农商行荣昌支行客户经理赖玲主动上门，来到"陈老五卤白鹅"门店了解经营情况和资金 需求，并告知其已经获得了主动授信额度。双方不谋而合，随即赖玲便指导客户通过手机发起了贷款申 请，在线确认额度后，完成线上签约和提款手续，一笔50万元的纯信用贷款立即就到账了。有了资金的 保障，"陈老五卤白鹅"的销售量也是节节攀升，已达到每天1000余只。 据悉，"陈老五卤白鹅"办理的这 ...

2025年中央一号文件明确提出"因地制宜发展农业新质生产力"，支持发展 智慧农业 ，拓展 人工智能 、 数据、低空等技术应用场景。金融是国民经济的血脉，正以其独特的力量，为农业现代化注入新动能， 助力乡村发展迈向新高度。 作为重庆本土最大的涉农贷款 银行 —— 重庆农村商业银行 （以下简称"重庆农商行"），始终坚持"支 农支小"定位，围绕支持因地制宜发展农业新质生产力、服务智慧农业提质增效等领域，优 化工 作机 制、推广特色产品、升级金融服务，持续提高农户、农民合作社、农业产业化龙头企业等农业经营主体 服务覆盖面、获得率、满意度，以实际行动助推城乡融合 乡村振兴 示范区建设。截至目前，重庆农商 行涉农贷款余额近2450亿元，涉农贷款总量、增量均居全市同业第一。 专属信贷产品，助力特色产业"向新提质" 芳菲4月，走进奉节县安坪镇三沱村智慧果园，千亩橙花竞相绽放、晚熟脐橙挂满枝头，智能水肥一体 化系统高效运转、"陆轨两用运输机"穿梭其中…… 在重庆农商行奉节支行的支持下，安坪镇三沱村的脐橙种植基地已实现 物联网 远程监控，前端传感器 实时监测土壤湿度、空气温度等，种植户通过手机便可查看果园实时情况。同时，还支持建 ...

A股上市银行2025年一季度经营"成绩单"正陆续揭晓。据新浪金融研究院不完全梳理，目前 已有10家银行披露了一季度报告、业绩快报或主要经营情况。 从已披露的数据来看，南京银行、杭州银行、重庆银行等多家银行在一季度实现了营收净利 双增长。与此同时，受市场变化、优化业务结构等因素影响，平安银行一季度营收净利"双 降"：该行营业收入同比下降13.1%，归母净利润同比下降5.6%。 资产质量方面，今年一季度，多家银行资产质量整体保持平稳，一季度不良贷款率较上年末 下降或持平，目前不良贷款率最高的为重庆银行，为1.21%；同时，多数上市银行拨备覆盖 率较上年末有所下降。 6家银行营收净利"双增"， 平安银行净利下滑超5% | 上市银行 | 营业收入(亿元) 同比变化(%) | | 归母净利润(亿元) 同比变化(%) | | | --- | --- | --- | --- | --- | | 平安银行 | 337.09 | (13.1) | 140. 96 | 5.6) | | 南京银行 | 141. 90 | 6. 53 | 61. 08 | 7.06 | | 杭州银行 | 99.78 | 2.22 | 60. 21 ...

银行板块9股本月创新高 4月24日，银行板块逆市上涨，行业指数收盘涨1.16%，领跑市场，中国银行、农业银行、工商银行股价均创历史新高，收盘分别上涨2.1%、2%、 1.83%。从长线来看，本月以来共有9只银行股盘中股价创历史新高，其中建设银行、交通银行、江苏银行等6股在本周一刷新历史高点。 （原标题："大象股"也疯狂！这个板块密集新高） 本月以来，共有9只银行股盘中突破历史新高，包括工农中建四大国有银行股。去年四季度，银行股业绩明显改善，今年一季度亦有多股报喜。银 行板块现金分红金额有望再创新高，12股年度分红超百亿元。 数据显示，本月以来股价突破历史新高的9只银行股中，5股属于国有大型银行，除工农中建四大行外，交通银行亦上榜。4股属于城商行，包括北 京银行、上海银行、江苏银行、成都银行。创新高的银行股今年以来股价稳健上涨，上海银行年内涨幅达到15.52%，工农中建四大行年内涨幅均 在6%以上。 4月以来，市场行情持续震荡，银行板块作为高股息、低估值的避险资产颇受资金青睐。数据显示，农业银行、宁波银行、中信银行近5日获主力 资金净流入均在1亿元以上，此外工商银行、无锡银行、邮储银行获主力资金净流入超6000 ...

文 ｜ 肖斐斐 胡家俊 彭博 林楠 李鑫 已披露经营情况的6家银行情况看，一季度财务指标和资产质量总体稳健。此外，上周银行板块表 现乐观，核心驱动要素在于市场波动率加大背景下，银行板块受益于其稳定回报和股指权重的两大 优势。展望未来，短期看中美贸易摩擦对市场预期仍有影响，在此背景下低波板块具有配置价值 中期看，在宏观"审慎"和"走弱"的两种假设情形下，银行板块相对于大部分行业而言，基本面具备 相对稳健特征，相对价值显著，建议积极增配。 ▍ 事项： 截至2 0 2 5年4月2 0日，6家上市银行（包含1家大行，3家股份行及2家农商行）已披露2 0 2 5年一季 度业绩或经营情况。 ▍ 一季报汇总：整体稳健，分化延续。 已有6家银行披露业绩或经营预告，整体来看，银行扩表 策略积极，收入增长分化，资产质量稳定。 ▍ 投资观点：关注板块防御属性与确定性价值。 已披露经营情况的6家银行情况看，一季度财务指标和资产质量总体稳健。此外，上周银行板块 表现乐观，核心驱动要素在于市场波动率加大背景下，银行板块受益于其稳定回报和股指权重的 两大优势。展望未来，短期看中美贸易摩擦对市场预期仍有影响，在此背景下低波板块具有配置 价值 ...

Financial Performance - Operating income and net profit grew by 0.98% and 5.97% year-on-year, achieving a dual increase in scale and efficiency[11]. - The company achieved a net profit of RMB 11.79 billion in 2024, an increase of RMB 663.9 million or 5.97% year-on-year[41]. - Net profit for the year was RMB 11,789.1 million, reflecting a year-on-year growth of 5.97%[33]. - The company's net profit increased by CNY 666 million, a growth rate of 5.97%, driven by improved revenue and cost management[119]. - The company's pre-tax profit for 2024 was RMB 12,817.4 million, reflecting an increase of RMB 621.5 million or 5.10% year-on-year[55]. - The company reported a significant increase in revenue, reaching $1.2 billion, representing a 15% year-over-year growth[1]. - The company reported a net profit margin of 12%, an improvement from 10% in the previous year[9]. Asset and Loan Growth - The asset scale, deposit and loan balances increased by 5.12%, 5.10%, and 5.55% respectively compared to the end of the previous year[11]. - Customer loans and advances increased by 5.55% to RMB 714,273 million[34]. - The total amount of loans and advances reached RMB 358.13 billion, an increase of RMB 30.35 billion, representing a growth of 9.26% compared to the end of the previous year[59]. - The balance of loans to technology enterprises increased by 6.3 billion RMB compared to the end of the previous year[12]. - The balance of green loans increased by 11.2 billion RMB, representing an 18% growth compared to the end of the previous year[12]. - The balance of loans to small and micro enterprises increased by 9% compared to the end of the previous year[12]. - The total customer loans and advances amounted to RMB 714.27 billion, with a non-performing loan rate of 1.18%, consistent with the previous year[75]. Non-Performing Loans and Asset Quality - The non-performing loan ratio decreased by 0.01 percentage points compared to the end of the previous year[11]. - The non-performing loan (NPL) ratio was 1.18%, a slight improvement from 1.19% in the previous year[34]. - The non-performing loan ratio stood at 1.18% at the end of 2024, a decrease of 0.01 percentage points from the previous year, indicating stable asset quality[125]. - The overdue loan ratio decreased to 1.32%, down by 0.10 percentage points year-on-year, reflecting effective overdue management[125]. - The company maintained a prudent classification principle for loans, focusing on asset quality monitoring and control, with a significant emphasis on the collection and disposal of non-performing assets[74]. Digital Transformation and Innovation - The company plans to enhance its digital transformation projects to improve service scenarios and functionalities, leveraging big data and artificial intelligence[16]. - The company emphasizes digital transformation, aiming to enhance customer experience and operational efficiency through a "digital rural commercial bank" model[28]. - Digital loan products reached a scale of RMB 156.72 billion, with mobile banking users exceeding 15 million[41]. - The intelligent data decision platform provided a total of 301 million decision services, with a daily average of 822,000 and a decision success rate of 99.9%[110]. - The company launched 14 new digital products, with four products achieving over CNY 10 billion in business growth[111]. Customer and Market Engagement - The total number of customers served reached 28 million, with over 1 million service businesses, further solidifying the competitive advantage[14]. - The number of credit cards and consumer credit balances approached 150 billion RMB[12]. - The balance of credit cards and consumer loans reached RMB 149.18 billion, indicating a strong push for inclusive finance[41]. - The company signed service agreements with 417 enterprises for its treasury system, enhancing its digital transformation efforts[39]. - The company issued loans totaling RMB 41.3 billion to 42,000 small micro market entities, enhancing financing support[99]. Financial Management and Cost Control - The cost-to-income ratio improved, decreasing by 2.04 percentage points to 31.90%[33]. - The average cost of customer deposits was 1.73% in 2024, down from 1.88% in 2023[44]. - The company aims to achieve breakthroughs in total deposits and general loan increments, ensuring robust financial performance[15]. - The company is committed to technological innovation, focusing on digital finance and intelligent risk control to improve service quality[28]. - The company has a streamlined management structure that enhances decision-making efficiency and adaptability to market changes[27]. Strategic Focus and Future Plans - The company aims to become a leading regional bank in China, focusing on "supporting agriculture and small enterprises" and serving the real economy[24][25]. - The company has a strategic focus on the Chengdu-Chongqing economic circle and rural revitalization initiatives, aligning with national development strategies[25]. - The company plans to enhance its financial services across various sectors, including green finance, inclusive finance, and digital finance, to improve service quality and efficiency[159]. - The company aims to implement a development strategy focused on "retail banking, technology-driven operations, and talent enhancement" by 2025[159]. - The company is committed to leveraging market opportunities in Chongqing and expanding its business through tailored financial services[121]. Governance and Leadership Changes - The company is focused on enhancing its governance structure with the recent appointments and transitions among its senior management team[171]. - The company is undergoing a leadership transition with several executives stepping down, including Xie Wenhui and Zhang Peizong, effective in late 2024[168]. - The company appointed new executives, including Sui Jun as the Deputy Secretary of the Party Committee and President since March 2023[166]. - The company has confirmed the appointment of Peng Yulong as a non-executive director starting December 2024, following his previous roles in the Fosun Group[180]. - The company has maintained stability in its board composition, with no significant changes in the shareholdings of current directors during the reporting period[173].

Financial Performance - Chongqing Rural Commercial Bank reported a total revenue of RMB 3.046 per 10 shares as the proposed dividend for the year 2024, which includes a mid-year dividend of RMB 1.944 per 10 shares[10]. - Operating income and net profit grew by 0.98% and 5.97% year-on-year, achieving a dual increase in scale and efficiency[13]. - Net profit attributable to shareholders rose by 5.60% to RMB 11,512.7 million, compared to RMB 10,902.4 million in 2023[35]. - The company's net profit increased by CNY 666 million, a growth rate of 5.97%, driven by improved revenue and cost management[122]. - The company reported a significant increase in revenue, reaching $1.2 billion, representing a 15% year-over-year growth[1]. Asset and Liability Management - Total assets increased by 5.12% to RMB 1,515,381.8 million from RMB 1,441,522.1 million at the end of 2023[36]. - As of December 31, 2024, the total liabilities of the group amounted to RMB 1,381.33 billion, an increase of RMB 63.75 billion, representing a growth of 4.84% compared to the end of 2023[68]. - The total amount of loans and advances reached CNY 358.13 billion, an increase of CNY 30.35 billion, representing a growth of 9.26% compared to the end of the previous year[61]. - The group's issued debt securities increased by RMB 52.08 billion, a growth of 43.55% compared to the previous year, reflecting proactive adjustments in the liability structure[71]. Risk Management - The bank has no significant risks that require special attention from investors, and it has implemented measures to manage operational risks[11]. - The company has implemented proactive risk management measures, enhancing the risk control process and establishing a regular asset quality inspection mechanism[130]. - The company is actively managing market risks, focusing on interest rate and exchange rate risks, and has established a market risk management system[136]. - The provision coverage ratio stood at 363.44% at the end of 2024, maintaining a strong risk compensation capability[127]. Digital Transformation and Innovation - The company plans to enhance digital transformation and service capabilities through key project implementations and big data utilization[18]. - The bank's digital transformation included the launch of a marketing platform and a management platform, serving 417 enterprises[41]. - The bank's AI capabilities have been enhanced, with the completion of the intelligent call platform and the development of a facial recognition platform[112]. - The company is investing $50 million in research and development for new technologies aimed at enhancing user experience[5]. Governance and Compliance - The board of directors approved the annual report and performance announcement for 2024 during the meeting held on March 25, 2025, with full attendance of the board members[10]. - The company has established a comprehensive governance structure to enhance its operational effectiveness and compliance with regulations[162]. - The company has maintained compliance with regulatory requirements regarding related party transactions, with all related transaction concentration indicators meeting the standards[154]. - The company is focused on maintaining stability in its leadership structure while adapting to regulatory changes in the financial sector[171]. Market Expansion and Strategic Initiatives - The company aims to implement a development strategy focused on "retail banking, technology-driven operations, and talent enhancement" by 2025[161]. - Market expansion plans include entering three new countries by the end of the year, projected to increase user base by 30%[6]. - The company is considering strategic acquisitions to bolster its market position, with a budget of $100 million allocated for potential deals[7]. - The company will actively pursue strategic opportunities in the western region's development and the Yangtze River Economic Belt, aiming to strengthen its service offerings in credit, bonds, and investment banking[161]. Customer and Community Engagement - The number of service outlets reached 1,743, covering all towns in Chongqing, with credit card and consumer loan balances nearing 150 billion yuan[14]. - The three agricultural service platforms served over 3 million households, including farmers, cooperatives, and collective economic organizations[116]. - The company provided credit support of RMB 126.24 billion to key projects in the Chengdu-Chongqing economic circle, covering 176 projects with a loan balance of RMB 26.47 billion[103]. - The group conducted 25,000 grid marketing activities in 2024, engaging 246,000 customers, leveraging its traditional advantages of familiarity with local conditions[118].

Financial Performance - Total operating income for Q3 2024 was RMB 6,840.6 million, a decrease of 2.72% year-on-year[4] - Net profit for Q3 2024 reached RMB 3,013.4 million, a slight decrease of 0.34% compared to the same period last year[4] - Net profit attributable to shareholders was RMB 2,949.7 million, down 0.65% year-on-year[4] - The net profit for the first nine months of 2024 was RMB 10.574 billion, representing a year-on-year growth of 4.24%[18] - The operating income for the first nine months of 2024 was RMB 21.483 billion, a decrease of 1.91% year-on-year[19] - The bank's net profit for the three months ended September 30, 2024, was RMB 3,013,440 thousand, slightly down from RMB 3,023,674 thousand in the same period of 2023, representing a decrease of 0.5%[27] - Total operating income for the nine months ended September 30, 2024, was RMB 21,482,790 thousand, compared to RMB 21,901,004 thousand for the same period in 2023, indicating a decline of 1.9%[25] - The bank's total comprehensive income for the nine months ended September 30, 2024, was RMB 12,214,527 thousand, an increase of 13.5% compared to RMB 10,759,015 thousand in the same period of 2023[27] Assets and Liabilities - Total assets as of September 30, 2024, amounted to RMB 1,517,907.6 million, an increase of 5.30% from the end of 2023[6] - The group’s total liabilities reached RMB 1,385.390 billion, an increase of RMB 67.810 billion or 5.15% compared to the end of the previous year[17] - As of September 30, 2024, total assets increased to RMB 1,517,907,587 thousand from RMB 1,441,522,072 thousand as of December 31, 2023, representing a growth of approximately 5.3%[28] - Total liabilities increased to RMB 1,385,390,233 thousand from RMB 1,317,580,322 thousand, reflecting a growth of approximately 5.1%[29] Customer Loans - Total customer loans and advances reached RMB 715,376.1 million, reflecting a growth of 5.71% compared to the previous year[6] - The total customer loans and advances amounted to RMB 715.376 billion, up RMB 38.666 billion or 5.71% from the end of the previous year[17] - Customer loans and advances rose to RMB 685,480,580 thousand, up from RMB 647,276,750 thousand, indicating an increase of about 5.3%[28] Profitability Ratios - The return on average equity (annualized) was 9.01%, down 0.80 percentage points year-on-year[4] - The average total asset return (annualized) was 0.79%, a decrease of 0.04 percentage points compared to the previous year[4] - The annualized average return on total assets was 0.95%, a decrease of 0.02 percentage points year-on-year[18] - The cost-to-income ratio improved to 26.93%, down 4.13 percentage points from the same period last year[19] Non-Performing Loans - The non-performing loan ratio improved to 1.17% from 1.19% at the end of 2023[7] - The non-performing loan balance was RMB 8.372 billion, with a non-performing loan ratio of 1.17%, a decrease of 0.02 percentage points from the end of the previous year[19] Cash Flow and Liquidity - The net cash flow from operating activities increased by 98.67% year-on-year, primarily due to a decrease in the net increase of financial assets held for trading[9] - The liquidity coverage ratio as of September 30, 2024, was 407.76%, indicating a strong liquidity position[16] - The net cash generated from operating activities for the nine months ended September 30, 2024, was RMB 19,794,740 thousand, compared to RMB 9,963,580 thousand for the same period in 2023, showing a significant increase[30] Equity and Capital - The core tier 1 capital adequacy ratio stood at 13.83% as of September 30, 2024, compared to 13.53% at the end of 2023[13] - The total equity attributable to shareholders increased to RMB 130,602,181 thousand from RMB 122,173,769 thousand, reflecting a growth of approximately 6.5%[29] Investment and Other Activities - The company reported a pre-tax profit of RMB 11,627,404 thousand for the nine months ended September 30, 2024, slightly up from RMB 11,538,163 thousand in the previous year[30] - Cash and cash equivalents increased to RMB 56,808,706 thousand as of September 30, 2024, compared to RMB 31,908,158 thousand at the end of the same period in 2023, marking a rise of approximately 78%[31] - The company’s investment activities resulted in a net cash outflow of RMB 52,450,902 thousand for the nine months ended September 30, 2024, compared to a net inflow of RMB 21,284,445 thousand in the previous year[31] - The company issued bonds with net proceeds of RMB 233,464,283 thousand during the nine months ended September 30, 2024, compared to RMB 182,336,206 thousand in the same period of 2023[31] Strategic Focus - The bank's strategic focus includes enhancing user data analytics and expanding market presence, although specific figures were not provided in the content[24] - The bank continues to explore new product development and technological advancements to improve service offerings and operational efficiency[24]