证券代码：601077 证券简称：渝农商行 公告编号：2024-016 重庆农村商业银行股份有限公司 关于召开 2023 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： 三、参加人员 重庆农村商业银行股份有限公司（以下简称"本行"）于 2024 年 3 月 29 日 披露了 2023 年度报告，为使广大投资者更加全面、深入地了解本行 2023 年度经 营成果、财务状况，本行计划于 2024 年 4 月 29 日(星期一)上午 10:00-11:30 举 行 2023 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 2023 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。 二、业绩说明会召开的时间、地点 （一）会议召开时间：2024 年 4 月 29 日(星期一)上午 10:00-11:30 会议召开时间：2024 年 4 月 29 日(星 ...

关于获准发行金融债券的公告 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。 特此公告。 证券代码：601077 证券简称：渝农商行 公告编号：2024-015 重庆农村商业银行股份有限公司董事会 重庆农村商业银行股份有限公司 2024 年 4 月 19 日 重庆农村商业银行股份有限公司（以下简称"本行"）近期收到中国人民银 行《准予行政许可决定书》（银许准予决字〔2024〕第 53 号），本行获准在全国 银行间市场发行金融债券，2024 年末金融债券余额不超过 280 亿元。其中，二 级资本债券、无固定期限资本债券等资本类债券存续余额不超过核心一级资本净 额的 50%。行政许可有效期截止至 2024 年 12 月 31 日，在有效期内本行可自主 选择分期发行时间。 本行将严格遵守《全国银行间债券市场金融债券发行管理办法》《全国银行 间债券市场金融债券发行管理操作规程》等规定，做好上述金融债券发行管理及 信息披露工作。 ...

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之內容概不負責，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 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2024年4月26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2024年3月31日止三個月的未經審核季度業績。 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.* 董事長兼行長 謝文輝 中國•重慶，2024年4月15日 於本公告日期，本行執行董事為謝文輝先生、隋軍先生、張培宗先生；本行非執行董事 為胡淳女士及殷祥林先生；及本行獨立非執行董事為張橋雲先生、李明豪先生、李嘉明 先生及畢茜女士。 * 本行經中國銀行業監督管理 ...

FF301 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: 2024年3月31日 狀態: 新提交 本月底法定/註冊股本總額： RMB 11,357,000,000 第 1 頁 共 6 頁 v 1.0.2 II. 已發行股份變動 | 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 | | | | | 上月底結存 | | 2,513,336,041 | | | | | 增加 / 減少 (-) | | | 0 | | | | 本月底結存 | | 2,513,336,041 | | | | 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 呈交日期: 2024年4月3日 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 | | | --- | --- | --- | --- | --- | --- | --- | - ...

公 司 研 证券研究报告 究 ＃industryId＃ 银行 II 渝农商行（601077） 稳步扩张，＃ 资titl产e＃ 质量向好 ＃inve增stSu持ggest ion＃ nv＃ ( i维 e持 ） stS ——渝农商行 2023年报点评 ou ng Cg e hs at ni 公 ＃createTime1＃ 2024年 3月 30日 司 ge＃ 投资要点 点 ＃relatedReport＃ 相关报告 ＃summary＃ ⚫ 营收利润降幅有所扩大，资产质量向好。2023 年营收和归母净利润分别 评 同比-3.6%、+6.1%，Q4单季度分别为-5.9%、-8.3%，营收/利润降幅均有 报 所扩大。收入方面：①利息净收入同比-7.5%，其中Q4单季度利息净收入 告 同比-15.4%，贷款增速下行，息差同比-24bp。②手续费净收入同比-6.4%， ＃分em析a师ilA：ut hor＃ Q4 单季度同比-12.6%；③其他非息收入同比+59.6%，其中 Q4 单季度同 ＃陈a绍ss兴Au thor＃ 比翻倍，主要受投资相关收益提振。成本方面，信用减值损失同比-24.2%， SAC：S01905170700 ...

根据年报 详解渝农商行2023年报：基建+小微保持较高增速，资产质量持续改善 渝农商行(601077.SH)/银行 证券研究报告/公司点评 2024年03月30日 [Table_Industry] [评Ta级ble：_T增itle持] (维持) [公Ta司ble盈_F利in预anc测e]及 估值 市场价格：4.66 指标 2022A 2023A 2024E 2025E 2026E 营业收入（百万元） 28,956 27,902 27,058 26,788 26,788 分析师 戴志锋 增长率yoy% -6.0% -3.6% -3.0% -1.0% 0.0% 执业证书编号：S0740517030004 净利润（百万元） 10,276 10,900 11,501 12,074 12,623 Email： daizf@zts.com.cn 增长率yoy% 7.5% 6.1% 5.5% 5.0% 4.5% 每股收益（元） 0.90 0.96 1.01 1.06 1.11 分析师 邓美君 净资产收益率 9.44% 9.28% 9.36% 9.40% 9.18% 执业证书编号：S0740519050002 P/E 5.1 ...

Core Viewpoint - The ongoing anti-corruption campaign in the financial system has expanded from large state-owned banks to smaller city and rural commercial banks, raising concerns about governance and management in these institutions [1] Group 1: Management Changes - Recent investigations have led to the exposure of former executives from Wuhan Rural Commercial Bank and Guangzhou Rural Commercial Bank, increasing market attention on rural commercial banks in major cities [1] - Chongqing Rural Commercial Bank announced that its former deputy president, Shu Jing, is under investigation for serious violations of discipline and law, although the bank claims that its operations remain normal and unaffected [1] - Shu Jing held 39,300 shares in the bank and received a pre-tax salary of 498,300 yuan in 2023 [1] Group 2: Financial Performance - Chongqing Rural Commercial Bank reported a total revenue of 27.96 billion yuan in 2023, a decrease of 3.57% year-on-year, while net profit attributable to shareholders increased by 6.10% to 10.90 billion yuan [6][7] - The bank's net interest income fell by 7.52% to 23.49 billion yuan, while non-interest income rose by 24.43% to 4.46 billion yuan, with other non-interest income seeing a significant increase of 59.65% [7] - The bank's non-performing loan ratio improved to 1.19%, down from 1.22% at the end of the previous year, and the provision coverage ratio increased to 366.7% [8] Group 3: Capital and Asset Management - As of the end of last year, Chongqing Rural Commercial Bank's total assets reached 1.44 trillion yuan, with deposits of 896.2 billion yuan and loans of 676.7 billion yuan, reflecting year-on-year growth of 6.6%, 8.64%, and 6.96% respectively [7] - The bank's capital adequacy ratio improved to 15.99%, up from 15.62% at the end of 2022 and 14.77% at the end of 2021 [8]

证券代码：601077 证券简称：渝农商行 公告编号：2024-014 重庆农村商业银行股份有限公司董事会 2024年3月29日 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。 根据中共重庆市纪律检查委员会、重庆市监察委员会网站 2024 年 3 月 29 日披露的信息，重庆农村商业银行股份有限公司（以下简称"本行"）原党委 委员、副行长舒静涉嫌严重违纪违法，目前正接受市纪委监委纪律审查和监察 调查。 本行经营管理运行正常，该事项不会对本行造成重大影响。 特此公告。 重庆农村商业银行股份有限公司 重要事项公告 ...

Financial Performance - The net profit for 2023 was RMB 111.25 billion, reflecting a growth of 6.18% compared to RMB 104.78 billion in 2022[6]. - The company's net profit increased by 647 million yuan, representing a growth of 6.18% despite revenue pressures[157]. - Revenue was CNY 28 billion, with a net profit of CNY 11.1 billion, showing a growth rate of 6.18%[25]. - The company achieved a net profit of CNY 11.13 billion in 2023, a year-on-year increase of CNY 647.4 million, representing a growth rate of 6.18%[50]. - The company reported a loan growth of CNY 44 billion, with a focus on general and retail loans, maintaining the top market share in incremental retail loans[154]. Asset and Liability Management - The total assets of Chongqing Rural Commercial Bank reached RMB 1,441.1 billion in 2023, an increase of 6.60% from RMB 1,351.9 billion in 2022[6]. - As of December 31, 2023, the company's total loans and advances amounted to RMB 676,710.6 million, with a non-performing loan (NPL) ratio of 1.04%, a decrease of 0.43 percentage points from the previous year[108]. - The total liabilities of the group amounted to RMB 1,317.58 billion, an increase of RMB 80.74 billion or 6.53% compared to the end of the previous year[90]. - The total equity of the group was RMB 1,235.02 billion, an increase of RMB 84.86 billion, primarily due to the rise in undistributed profits[99]. - The group's total customer deposits included RMB 141.84 billion in corporate deposits and RMB 747.18 billion in personal deposits, with personal deposits increasing by RMB 698.27 billion or 10.31%[92]. Risk Management - The non-performing loan ratio improved to 1.19% in 2023, down from 1.22% in 2022[5]. - The provision coverage ratio was 366.70% in 2023, indicating strong risk management capabilities[9]. - The company is enhancing its risk management framework, focusing on proactive identification and monitoring of risks, and improving asset quality management[162]. - The company continues to strengthen asset quality management and improve loan recovery processes[103]. - The company aims to optimize its asset-liability structure to mitigate the impact of narrowing net interest margins in the coming year[155]. Digital Transformation - The company has launched three "billion-level" online products as part of its digital transformation strategy, enhancing the convenience of financial services[19]. - The company plans to accelerate its digital transformation in 2024, emphasizing a customer-centric organizational structure and innovative service models[22]. - The company has established a digital transformation plan for 2024-2025, focusing on four key value areas: digital development, intelligent risk control, smart outlets, and beneficial operations[139]. - The mobile banking app reached 14.3824 million users by the end of 2023, with a net increase of 857,600 users, representing a growth rate of 6.34%[144]. - The intelligent data decision platform provided a total of 422 million decision services in 2023, with a daily average of 1.156 million services, reflecting a year-on-year growth of 156%[140]. Market Position and Growth Strategy - The company ranked 115th among global banks, reflecting its significant growth and competitive positioning in the industry[18]. - The company aims to achieve full coverage of administrative villages in Chongqing through its rural financial service platform, focusing on digital empowerment[20]. - The company has a strategic vision to become a leading regional bank in China, focusing on high-quality and sustainable growth[32]. - The company plans to enhance its "Three Banks" strategy and focus on digital transformation to create new advantages for development in 2024[195]. - The company intends to improve its risk management and internal controls to ensure a stable operating environment[197]. Customer and Community Engagement - The company has established 2,562 counters and 420 banking outlets in rural areas, significantly enhancing its financial service penetration in these regions[148]. - The company supported over 80% of entrepreneurial guarantee loans in the city, focusing on "specialized, refined, unique, and innovative" enterprises[48]. - The balance of agricultural loans reached 232.8 billion yuan, an increase of 17.175 billion yuan from the beginning of the year[147]. - The company launched a series of financial products aimed at supporting rural revitalization, with a total issuance of nearly 130 billion yuan in wealth management products[148]. - The company has established 12 rural banks across 5 provinces with a total registered capital of CNY 1.662 billion, total assets of CNY 5.174 billion, and a net profit of CNY 58 million[149]. Compliance and Governance - The company has enhanced its internal control systems and conducted special inspections to improve compliance and rectify issues[183]. - The board of directors has implemented measures to enhance corporate governance and ensure compliance with relevant regulations[197]. - The company has purchased liability insurance for all directors to mitigate legal risks[197]. - The company will continue to review and strengthen its corporate governance to meet higher expectations from shareholders and investors[197]. - The company has maintained compliance with regulatory requirements regarding related party transactions, with all related transaction concentration indicators meeting regulatory standards[185].

证券研究报告 | 2024年03月29日 渝农商行（601077.SH）2023 年报点评 增持 存量不良基本出清，负债成本管控优异 核心观点 公司研究·财报点评 公司降低拨备计提释放利润，业绩增速稳定。2023年实现营业收入280亿元， 银行·农商行Ⅱ 同比下降3.6%；2023年实现归母净利润109亿元，同比增长6.1%。受益于 证券分析师：田维韦 证券分析师：王剑 资产质量大幅改善，公司继续降低拨备释放利润，全年资产减值损失同比下 021-60875161 021-60875165 tianweiwei@guosen.com.cnwangjian@guosen.com.cn 降24.2%。 S0980520030002 S0980518070002 存量不良压力大幅下降，不良生成率回落至低位。经过过去几年不断加大不 证券分析师：陈俊良 021-60933163 良确认和处置，公司存量不良基本出清。2023年公司不良处置规模同比大幅 chenjunliang@guosen.com.cn 下降了40.4%至42.1亿元，计算的全年不良生成率0.72%，同比大幅下降 S0980519010001 57bps。 ...