重 庆 农 村 商 业 银 行 2023半年度报告 C 重点家材商安依行 股票代码: 601077.SH | 03618.HK CHONGOING RURAL COMMERCIAL BAN 重要提示 一、 本行董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、 本行于2023年8月25日召开了第五届董事会第三十一次会议，审议通过了本行2023年半年度报告及 摘要。会议应出席董事11名，实际出席11名，其中1名董事委托其他董事代为表决。本行部分监事 及高级管理人员列席了本次会议。 三、 本行按照中国会计准则编制的2023年半年度财务报告已经毕马威华振会计师事务所（特殊普通合伙） 根据中国审阅准则审阅，按照国际财务报告准则编制的2023年中期财务报告已经毕马威会计师事务 所根据国际审阅准则审阅。 四、 本行董事长谢文辉、主管会计工作的副行长及会计机构负责人舒静保证本报告中财务报告的真实、准 确、完整。 五、 本行2023年中期不进行利润分配或资本公积转增股本。 六、 本报告中可能包含对本行未来计划等前瞻性陈述，相 ...

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：2023-027 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：2023-026 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：2023-025 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 ...

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 ...

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 ...

Financial Performance - Net profit for Q1 2023 was RMB 4,013.7 million, representing a 9.35% increase from the same period in 2022[6] - Net profit attributable to shareholders was RMB 3,951.4 million, up 9.18% year-over-year[6] - Basic and diluted earnings per share increased to RMB 0.35, a rise of 9.38% compared to Q1 2022[6] - The group's operating revenue for Q1 2023 was CNY 7.339 billion, a decrease of 3.26% year-on-year, with net interest income at CNY 6.077 billion and net fee and commission income at CNY 0.522 billion[20] - Business and management expenses increased by 17.35% year-on-year to CNY 2.424 billion, with the cost-to-income ratio rising by 5.80 percentage points to 33.02%[20] - Net profit for Q1 2023 was CNY 4,013,725 thousand, compared to CNY 3,670,599 thousand in Q1 2022, reflecting an increase of about 9.3%[35] - Total operating revenue for Q1 2023 was CNY 6,703,268, a decrease of 3.25% from CNY 6,928,809 in Q1 2022[46] - Net profit for Q1 2023 was CNY 3,665,721, up 11.6% from CNY 3,284,024 in Q1 2022[46] Asset and Liability Management - Total assets as of March 31, 2023, reached RMB 1,431,953.4 million, an increase of 5.92% compared to the end of 2022[6] - Total customer loans and advances amounted to RMB 664,664.4 million, reflecting a growth of 5.06% year-over-year[6] - The total liabilities amounted to CNY 13,129.73 billion, increasing by CNY 761.28 billion or 6.16% from the end of the previous year[21] - Total assets increased to CNY 1,431,953,429 thousand as of March 31, 2023, up from CNY 1,351,861,116 thousand at the end of 2022, representing a growth of approximately 5.9%[31] - Customer loans and advances totaled CNY 6,646.64 billion, up CNY 319.87 billion or 5.06% from the end of the previous year[20] - The total liabilities reached CNY 1,312,973,312 thousand as of March 31, 2023, compared to CNY 1,236,844,964 thousand at the end of 2022, marking an increase of approximately 6.1%[32] - Total liabilities rose to CNY 1,247,656,229, an increase from CNY 1,179,284,995 at the end of 2022, marking a growth of 5.79%[43] Capital and Liquidity Ratios - The annualized return on average total assets was 1.17%, up 0.01 percentage points from the previous year[6] - The core tier 1 capital adequacy ratio stood at 12.84% as of March 31, 2023, down from 13.10% at the end of 2022[12] - The leverage ratio was 8.12% as of March 31, 2023, compared to 8.27% at the end of 2022[16] - The liquidity coverage ratio was 298.57% as of March 31, 2023, indicating strong liquidity position[18] - The provision coverage ratio stood at 349.62%, down by 8.12 percentage points compared to the end of the previous year[21] Customer Deposits and Loans - The total customer deposits increased to RMB 898,761.6 million, marking an 8.95% growth from the end of 2022[6] - Customer deposits rose to CNY 8,987.62 billion, an increase of CNY 738.15 billion or 8.95% year-on-year[21] - The company reported a net increase in loans and advances to customers of ¥24,177,428 thousand in Q1 2023, compared to an increase of ¥18,832,769 thousand in Q1 2022, indicating a growth of 28.5%[50] Investment Income and Cash Flow - The company’s investment income decreased to CNY 464,183 thousand in Q1 2023 from CNY 660,272 thousand in Q1 2022, a decline of about 29.7%[35] - The bank's investment income decreased to CNY 519,213 from CNY 660,050, a decline of 21.4% year-over-year[46] - The net cash flow from operating activities for Q1 2023 was CNY 38,170,881 thousand, down from CNY 53,626,999 thousand in Q1 2022, a decrease of approximately 29.0%[39] - Net cash flow from operating activities decreased to ¥37,456,835 thousand in Q1 2023 from ¥51,102,285 thousand in Q1 2022, a decline of approximately 26.6%[50] - Cash inflow from investment activities totaled ¥67,956,324 thousand in Q1 2023, down from ¥70,518,554 thousand in Q1 2022, a decrease of about 3.6%[51] - Cash inflow from financing activities rose to ¥40,241,625 thousand in Q1 2023, up from ¥29,478,427 thousand in Q1 2022, marking an increase of 36.4%[51]