Financial Performance - For Q1 2025, the operating income was RMB 7,223.1 million, representing a year-on-year increase of 1.37% compared to RMB 7,125.5 million in Q1 2024[10] - The net profit for Q1 2025 reached RMB 3,817.0 million, up 4.24% from RMB 3,661.6 million in the same period last year[10] - The net profit attributable to shareholders was RMB 3,744.6 million, reflecting a growth of 6.25% compared to RMB 3,524.3 million in Q1 2024[10] - In Q1 2025, the group achieved a pre-tax profit of CNY 4.239 billion, an increase of CNY 449 million, representing a growth of 11.86% year-on-year[24] - The net profit for the same period was CNY 3.817 billion, up CNY 155 million, with a growth rate of 4.24% year-on-year[24] - Total operating income reached CNY 7.223 billion, reflecting a year-on-year increase of 1.37%[24] - The bank's basic and diluted earnings per share for Q1 2025 were RMB 0.33, up 6.45% from RMB 0.31 in Q1 2024[10] - The bank's net profit for the period was RMB 3,816,993 thousand, representing a year-over-year increase of 4.2% from RMB 3,661,637 thousand[34] - The bank's basic and diluted earnings per share for the period were RMB 0.33, up from RMB 0.31 in the same period last year, indicating a growth of 6.5%[34] Assets and Liabilities - The total assets as of March 31, 2025, amounted to RMB 1,610,774.0 million, an increase of 6.29% from RMB 1,515,381.8 million at the end of 2024[10] - Total assets as of March 31, 2025, reached RMB 1,610,774,037 thousand, up from RMB 1,515,381,799 thousand as of December 31, 2024, indicating a growth of 6.3%[36] - The total liabilities increased by 6.78% to RMB 1,474,967.4 million from RMB 1,381,332.9 million at the end of 2024[10] - The bank's total liabilities increased to RMB 1,474,967,450 thousand as of March 31, 2025, compared to RMB 1,381,332,883 thousand at the end of 2024, marking a rise of 6.7%[37] - Customer loans and advances totaled CNY 744.444 billion, up CNY 30.171 billion, representing a growth of 4.22%[25] - Customer loans and advances amounted to RMB 712,766,091 thousand, an increase from RMB 683,830,682 thousand at the end of 2024, reflecting a growth of 4.2%[36] - The non-performing loan balance was CNY 8.747 billion, with a non-performing loan ratio of 1.17%, down 0.01 percentage points from the end of the previous year[25] Customer Deposits - Customer deposits grew by 9.96% to RMB 1,035,773.4 million from RMB 941,946.2 million at the end of 2024[10] - The bank's customer deposits rose to RMB 1,035,773,402 thousand, compared to RMB 941,946,157 thousand at the end of 2024, representing an increase of 9.9%[37] - The company reported a significant increase in customer deposits and interbank deposits, totaling RMB 101,374,724 thousand in Q1 2025, compared to RMB 48,497,093 thousand in Q1 2024, representing a growth of approximately 108.7%[38] Cash Flow - The net cash flow from operating activities decreased significantly by 67.71%, totaling RMB 22,569.6 million compared to RMB 69,904.6 million in Q1 2024[10] - Operating cash flow before changes in working capital for Q1 2025 was RMB 1,764,756 thousand, compared to RMB 1,585,292 thousand in Q1 2024, reflecting an increase of about 11.3%[38] - Net cash generated from operating activities for Q1 2025 was RMB 22,569,603 thousand, significantly lower than RMB 69,904,634 thousand in Q1 2024, indicating a decrease of approximately 67.6%[38] - Cash flow from investing activities for Q1 2025 showed a net outflow of RMB 4,236,358 thousand, an improvement compared to a net outflow of RMB 21,228,032 thousand in Q1 2024[39] - Cash flow from financing activities resulted in a net outflow of RMB 8,150,001 thousand in Q1 2025, compared to a net outflow of RMB 24,159,771 thousand in Q1 2024, indicating a reduction of about 66.2%[39] - The total cash and cash equivalents as of March 31, 2025, were RMB 50,160,013 thousand, down from RMB 67,727,691 thousand at the end of Q1 2024[39] Capital Adequacy and Liquidity - The core tier 1 capital adequacy ratio was 13.16% as of March 31, 2025, down from 14.24% at the end of 2024[17] - The liquidity coverage ratio stood at 451.72% as of March 31, 2025, indicating strong liquidity position[23] Operational Efficiency - The group continues to focus on cost reduction and efficiency improvement, with operating expenses decreasing to 25.47% of income, down 1.75 percentage points year-on-year[24] - Interest received during Q1 2025 amounted to RMB 7,673,505 thousand, slightly lower than RMB 7,932,204 thousand in Q1 2024[39] Equity Transfer - The group is undergoing a transfer of 80% equity of Chongqing Water Environment Holdings Group Co., Ltd. to Chongqing Yufu Holding Group Co., Ltd., which will increase the related party's shareholding to 15.13% of the total share capital[28]

特此公告。 证券代码：601077 证券简称：渝农商行 公告编号：2025-018 重庆农村商业银行股份有限公司 关于非执行董事辞任的公告 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法律责任。 重庆农村商业银行股份有限公司（以下简称"本行"）近日收到本行非执行 董事胡淳女士、殷祥林先生提交的书面辞职信。因个人工作安排，胡淳女士辞去 本行第五届董事会非执行董事职务，并不再担任本行董事会战略发展委员会、审 计委员会、提名委员会、三农金融服务委员会委员职务。因个人工作安排，殷祥 林先生辞去本行第五届董事会非执行董事职务，并不再担任本行董事会关联交易 控制委员会、三农金融服务委员会及消费者权益保护委员会委员职务。根据相关 法律法规及本行《公司章程》规定，胡淳女士、殷祥林先生的辞任自本行补选产 生新任董事填补其空缺，且新任董事任职资格获监管机构核准后生效。在此期间， 胡淳女士、殷祥林先生将继续按照相关法律法规及本行《公司章程》履行非执行 董事、董事会专门委员会相关职责。 经胡淳女士、殷祥林先生确认，其与本行董事会无不同意见，无其他事项需 要通知 ...

证券代码：601077 证券简称：渝农商行 公告编号：2025-019 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法律责任。 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 五十六次会议审议，同意对重庆渝富控股集团有限公司（以下简称"渝富控股"） 给予集团综合授信额度 1,940,000.00 万元，授信期限 1 年。 2.上述关联交易需提交本行股东大会审议。 3.上述关联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 （一）重庆渝富控股集团有限公司 渝富控股成立于 2016 年，法定代表人谢文辉，注册资本 168 亿元，控股股 东、实际控制人均为重庆市国有资产监督管理委员会，注册地址为重庆市两江新 区黄山大道东段 198 号，经营范围为：一般项目：利用自有资金从事投资业务、 投资咨询（不得从事吸收公众存款或变相吸收公众存款、发放贷款以及证券、期 货等金融业务），资产管理，企业重组 ...

证券代码：601077 证券简称：渝农商行 公告编号：2025-020 重庆农村商业银行股份有限公司 关于召开2024年度股东大会的通知 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法律责任。 重要内容提示： 一、 召开会议的基本情况 (一) 股东大会类型和届次 2024年度股东大会 股东大会召开日期：2025年5月21日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 (二) 股东大会召集人：董事会 (三) 投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相结 合的方式 (四) 现场会议召开的日期、时间和地点 召开的日期时间：2025 年 5 月 21 日 上午 10 点 召开地点：重庆市江北区金沙门路 36 号重庆农村商业银行股份有限公司大 厦会议中心 (五) 网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2025 年 5 月 21 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9: ...

证券代码：601077 证券简称：渝农商行 公告编号：2025-017 重庆农村商业银行股份有限公司 第五届监事会第三十二次会议决议公告 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法律责任。 重庆农村商业银行股份有限公司（以下简称"本行"）第五届监事会第三十 二次会议于 2025 年 4 月 25 日在本行总行 503 会议室以现场结合通讯方式召开。 本行已于 2025 年 4 月 20 日以直接送达、传真和电子邮件形式发出会议通知和材 料。本次会议应出席监事 7 名，实际出席监事 7 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《重庆农村商业银行股份有限公司 2025 年第一季度报告》的 议案 表决情况：有效表决票 7 票，同意 7 票，反对 0 票，弃权 0 票。 三、关于审议《重庆农村商业银行股份有限公司 2024 年消费者权益保护工 作情况报告》的议案 表决情况：有效表决票 7 票，同意 7 票，反对 0 票，弃权 0 ...

证券代码：601077 证券简称：渝农商行 公告编号：2025-016 重庆农村商业银行股份有限公司 第五届董事会第五十六次会议决议公告 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法律责任。 重庆农村商业银行股份有限公司（以下简称"本行"）第五届董事会第五十 六次会议于 2025 年 4 月 25 日在本行总行 401 会议室以现场方式召开。本行已于 2025 年 4 月 11 日以电子邮件形式发出会议通知和材料，于 2025 年 4 月 22 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 8 名，实际出席董 事 8 名（其中，现场出席董事 2 名，董事胡淳女士、殷祥林先生、张桥云先生、 李明豪先生、李嘉明先生、毕茜女士以通讯方式参会）。本行股东上海豫园旅游 商城（集团）股份有限公司质押本行股权比例超过 50%，根据监管规定对其提名 的彭玉龙董事在董事会上的表决权进行了限制。会议的召开符合法律、法规、规 章和本行章程的有关规定。 一、《关于审议重庆农村商业银行股份有限公司 2025 年第一季度报告的议 案》 表决情况： ...

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%。 ...

Group 1 - Since April, 9 bank stocks have reached historical highs, indicating a sustained increase in industry interest [1][2] - In Q4 2024, bank performance has significantly improved, with many banks reporting positive results in Q1 of this year [1][5] - The total cash dividends for the banking sector are expected to reach a new high, with 12 bank stocks each exceeding 10 billion yuan in annual dividends [1][7] Group 2 - On April 24, the banking index closed up 1.16%, with major banks like Bank of China, Agricultural Bank of China, and Industrial and Commercial Bank of China hitting record highs [2] - The stock prices of major banks have steadily increased this year, with Shanghai Bank showing a year-to-date increase of 15.52% [2] - The banking sector is favored as a low-valuation, high-dividend defensive asset amid ongoing market fluctuations [3] Group 3 - Over 90% of the 36 bank stocks that have released their 2024 annual reports or performance forecasts reported year-on-year profit growth [5] - Shanghai Pudong Development Bank reported the highest year-on-year profit growth at 23.31%, driven by rapid credit growth and improved asset quality [5] - The total net profit of the disclosed bank stocks in Q4 2024 exceeded 480 billion yuan, marking a 5.66% increase from the previous year [5] Group 4 - Five bank stocks have released Q1 2025 performance reports, with several banks reporting year-on-year profit growth [6] - Major banks have indicated ongoing improvements in their asset-liability structures and operational efficiency [6] Group 5 - As of April 24, 29 bank stocks have announced dividend plans, with a total cash dividend amounting to 357.84 billion yuan [7] - The cumulative cash dividends for the banking sector in 2024 have reached 616.13 billion yuan, surpassing the previous year's total [8] - Industrial and Commercial Bank of China announced a cash dividend of 1.646 yuan per 10 shares, totaling 58.66 billion yuan, marking a continuous growth for nine years [8]

超九成上市银行的投资收益在2024年实现了正增长，最高增幅达176.81%。 在净息差持续收窄的背景下，投资收益成为不少上市银行重要的盈利来源，近两年表现尤为突出。记者 注意到，截至4月24日，共有28家A股上市银行披露了2024年年度报告。其中，超九成银行的投资收益 实现了正增长，最高增幅达176.81%，农商行表现尤为突出。 投资收益的显著增长背后，是债券市场牛市行情带来的丰厚利润。多家银行在年报中指出，投资收益的 显著增长与债券投资收益的增加密切相关，部分银行通过兑现存量债券浮盈，实现其他非息收入快速增 长。 然而，未来债市投资能否继续为银行业绩提供有力支撑？从上市银行披露的2025年一季报来看，进入 2025年后，债券市场波动明显加剧，部分银行已提前兑现浮盈，其中不乏平安银行、南京银行、江阴银 行等买债"大户"。展望未来，业内人士预计，随着债市波动加剧，银行通过买卖债券获取收益的难度也 将增加。 此外，2024年多数银行的投资收益占营业收入的比例较为突出。以张家港行和江阴银行这两家农商行为 例，其投资收益占营业收入的比例均超过了20%。具体来看，张家港行2024年实现营业收入47.11亿 元，其中投资 ...