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 ...

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：2023-025 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 ...

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 ...

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 ...

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]

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 ...

Financial Performance - The total asset scale of Chongqing Rural Commercial Bank exceeded RMB 1.35 trillion, with deposits of RMB 824.9 billion and loans of RMB 632.7 billion in 2022[7]. - The bank achieved an operating income of RMB 29 billion and a net profit of RMB 10.5 billion, with a non-performing loan ratio of 1.22% and a provision coverage ratio of 357.74%[7]. - The core Tier 1 capital adequacy ratio stood at 13.10%, indicating a strong capital position[7]. - A dividend of RMB 2.714 per 10 shares (before tax) is proposed for the 2022 fiscal year, subject to shareholder approval[2]. - The bank ranked 113th in the "2022 Global Top 1000 Banks" list by The Banker magazine, an improvement of 6 positions from the previous year[7]. - Net profit for 2022 increased by 7.81% to RMB 10,477.8 million, compared to RMB 9,718.4 million in 2021[40]. - Total operating income for 2022 was RMB 28,990.7 million, down 6.00% from RMB 30,841.8 million in 2021[40]. - The total assets as of December 31, 2022, reached RMB 1,351,861.1 million, reflecting a growth of 6.79% from RMB 1,265,851.1 million in 2021[42]. - The non-performing loan ratio improved to 1.22% from 1.25% in the previous year[42]. - The capital adequacy ratio increased to 15.62%, up from 14.77% in 2021[42]. Customer Base and Digital Transformation - The total customer base reached 28 million, accounting for nearly 90% of the city's population[9]. - The number of mobile banking customers surpassed 13.52 million, with online loan balances exceeding RMB 120 billion[9]. - The bank plans to continue its digital transformation while enhancing the competitiveness of its online products[9]. - The average daily intelligent decision-making reached 850,000 cases, a year-on-year increase of 120%[11]. - The company aims to enhance digital transformation through increased investment in fintech, focusing on big data, AI, and cloud computing[23]. - The company launched the "Mobile Banking APP 7.0," enhancing customer experience with features like "cloud recognition" and "cloud sharing" for improved security and marketing[36]. - The company is committed to optimizing its asset, customer, and income structures while promoting green finance and supporting local economic development[21]. Loan and Deposit Growth - The balance of inclusive small and micro enterprise loans reached CNY 113 billion, an increase of CNY 16.9 billion, with a growth rate of 17.54%[10]. - The balance of green loans exceeded CNY 48.7 billion, with a continuous growth rate of over 30% for three consecutive years[11]. - The balance of agricultural loans reached CNY 215.625 billion by the end of 2022, an increase of CNY 19.851 billion year-on-year[33]. - The number of effective merchants increased by 44%, and the transaction amount surged by 246% as part of the bank's BBC ecosystem strategy[9]. - The company issued loans totaling RMB 427.34 billion to support agriculture and small enterprises, maintaining the largest market share in Chongqing[45]. - Customer deposits increased to CNY 824.95 billion, up CNY 65.59 billion, or 8.64% year-on-year[89]. Risk Management and Asset Quality - The company aims to enhance risk prevention mechanisms and improve asset quality management to stabilize asset quality[12]. - The company reported a credit risk loss provision balance of CNY 30.231 billion, an increase of CNY 2.882 billion year-on-year, with a provision coverage ratio of 357.74%, up 17.49 percentage points[140]. - The company’s overdue loan provision coverage ratio for loans overdue by more than 90 days was 489.57%, indicating strong risk mitigation capacity[140]. - The company is committed to enhancing its risk management framework, ensuring compliance with new regulatory requirements, and improving risk identification and assessment capabilities[141]. - The company has seen a significant decrease in the credit impairment losses for corporate loans, with a year-on-year decline of 43.90% to CNY 4.786 billion[140]. Corporate Governance and Leadership - Mr. Xie Wenhui has been appointed as the Party Secretary and Chairman of the bank since April 2022, officially taking office in August 2022 after receiving approval from the Chongqing Banking and Insurance Regulatory Bureau[190]. - The governance report highlights the importance of stable leadership and management transitions to maintain operational continuity[192]. - The company is committed to ongoing improvements in its governance structure to support long-term growth and stability[192]. - The company appointed Yang Xiaotao as the Party Committee member and supervisor since February 2022, with a background as a senior economist and an MBA from Xiamen University in 2013[197]. Awards and Recognition - The company received nine awards in 2022, including the "Annual Market Influence Award" and "Market Innovation Award," ranking first among financial institutions in Central and Western China[38]. - The company achieved an A-level rating in the 2022 Wind ESG rating list, ranking 8th nationally among rural commercial banks[38]. - The company was recognized as the only local legal entity bank in Chongqing to maintain an A-level rating in foreign exchange management assessments for seven consecutive years[121].