财联社10月22日讯（记者 邹俊涛）继国有行、股份行之后，城农商行也开始新一轮存款利率下调。 10月22日，渝农商行（重庆农商行）在网站披露，将于今日起执行新的人民币存款利率表，其中定期存 款利率统一下调25个基点，下调幅度与此前的国有行、股份行最大降幅基本持平。与此同时，渝农商行 的活期和通知存款利率也作了不同幅度下调。 截图来自渝农商行网站 同日，北京银行也公布新一轮调整人民币储蓄存款挂牌利率。财联社记者注意到，自本月18日国有行率 先开始新一轮存款利率下调后，仅不到3个工作日"降息潮"已覆盖了国有行、股份行以及城农商行。 光大银行金融市场部宏观研究周茂华今日接受财联社记者采访指出，相较于前几轮，本轮中小银行调降 存款利率速度加快，反映国内政策传导效率提升。同时，他表示，一定程度上机构也希望推动存款利率 调降效果尽快释放。 本轮"降息潮"已蔓延至城农商行 渝农商行今日在网站披露，该行已将活期存款利率下调5个基点至0.10%；三个月期、半年、一年期、 二年期、三年期、五年期定期存款挂牌利率均下调25个基点至0.80%、1.00%、1.10%、1.20%、1.50%、 1.55%；7天期通知存款利率同步下调2 ...

Investment Rating - The report maintains a "Buy" rating for the company with a target price of 7.20 CNY per share, reflecting an upward adjustment in valuation premium to 10% [3][5]. Core Insights - The recent appointment of Mr. Xie Wenhui as the chairman of Yufu Holdings is expected to strengthen cooperation with Chongqing State-owned Assets, benefiting the company's asset deployment [2]. - The acceleration of local debt resolution measures in Chongqing is anticipated to improve asset quality and expand the bank's balance sheet capacity [2]. - The company's fundamentals are positive, with expected improvements in annual performance driven by strategic initiatives and cost advantages [2]. Financial Performance Summary - For 2024, the company is projected to achieve a net profit growth of 6.3%, with earnings per share (EPS) expected to be 1.00 CNY [3][4]. - The company's revenue for 2024 is estimated at 27,587 million CNY, reflecting a year-on-year decline of 1.3% [4]. - The bank's net profit attributable to the parent company for 2024 is forecasted to be 11,588 million CNY, with a growth rate of 6.3% [4][11]. Management and Leadership - The management transition is expected to be smooth, with Mr. Sui Jun, who has extensive experience within the bank, taking over as acting chairman [2][11]. - The leadership team has a strong background in banking operations, which is likely to support the company's strategic goals [11]. Market Position and Valuation - The current price-to-book (PB) ratio for the company is projected to be 0.56 for 2024, compared to an average of 0.60 for comparable companies [3][4]. - The bank's stock has shown strong performance relative to the market, with a 52-week performance of 52.83% [5]. Future Outlook - The company is expected to benefit from ongoing initiatives in the Chengdu-Chongqing economic circle and the Western Land-Sea New Corridor strategy, which will support asset deployment [2]. - The bank's cost of liabilities remains competitive, with the lowest deposit cost rate among listed rural commercial banks as of the first half of 2024 [2].

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。 中國•重慶，2024年10月16日 * 本行經中國銀行業監督管理機構批准持有B0335H250000001號金融許可證，並經重慶市市場 監督管理局核准領取統一社會信用代碼為91500000676129728J的企業法人營業執照。本行根 據香港銀行業條例（香港法例第155章）並非一家認可機構，不受香港金融管理局監管，及不獲 授權在香港經營銀行╱接受存業務。 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10月29日（星期二）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9月30日止九個月的未經審核季度業績，及建議 中期股息（如有）之事宜 ...

经参会董事推举，本次会议由执行董事隋军先生主持。本次会议审议通过了 以下议案： 一、《关于推举隋军先生履行重庆农村商业银行股份有限公司董事长职务的 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。 证券代码：601077 证券简称：渝农商行 公告编号：2024-032 重庆农村商业银行股份有限公司 第五届董事会第四十七次会议决议公告 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个别及连带责任。 重庆农村商业银行股份有限公司（以下简称"本行"）第五届董事会第四十 七次会议于2024年10月16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 2024 年 10 月 14 日以电子邮件形式发出会议通知和材料。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 1 名，董事张培宗先生 书面委托隋军先生代为出席会议并行使表决权，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）。会议的召开 符合法律、法规、规章和本行章程的有关规定。 战略发展委员 ...

特此公告。 重庆农村商业银行股份有限公司董事会 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"）近日收到本行董事 长谢文辉先生提交的书面辞职信，谢文辉先生因工作调动，辞去本行董事长、 执行董事、董事会战略发展委员会主任委员、三农金融服务委员会主任委员及 提名委员会委员职务。谢文辉先生的辞任自其辞职信送达本行董事会之日起生 效。经谢文辉先生确认，其与本行董事会无不同意见，无其他事项需要通知本 行股东。 谢文辉先生自 2013 年起担任本行党委副书记、行长，自 2022 年起担任本 行党委书记、董事长。任职期间，始终坚持以习近平新时代中国特色社会主义 思想为指导，完整、准确、全面贯彻新发展理念，深入践行金融工作的政治性 和人民性，全力做好金融"五篇大文章"，恪尽职守、求真务实、锐意进取、 开拓创新，带领本行深入实施"零售立行、科技兴行、人才强行"战略，深化 "一体四驱"发展体系，坚持把金融服务实体经济作为根本宗旨，积极践行 "以客户为中心"理念，大力实施数字化转型升级，持续提升服 ...

FF301 截至月份: 2024年9月30日 狀態: 新提交 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10月7日 I. 法定/註冊股本變動 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 | 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 (如上市) | 03618 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 2,513,336,041 | RMB | | | 1 RMB | | 2,513,336,041 | | 增加 / 減少 (-) | | | | | | | RMB | | | | 本月底結存 | | | 2,513,336,041 | RMB | | | 1 RMB | | 2,513,336,041 | | ...

重庆农村商业银行股份有限公司 重要内容提示： 1. 重庆农村商业银行股份有限公司（以下简称"本行"）同意对浙江网商银 行股份有限公司（以下简称"浙江网商银行"）同业授信额度 12 亿元，授信期限 1 年。本次关联交易无需提交本行董事会和股东大会审议。 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。 证券代码：601077 证券简称：渝农商行 公告编号：2024-030 浙江网商银行成立于 2015 年，法定代表人金晓龙，注册资本 65.714 亿元， 地址为浙江省杭州市西湖区古荡街道西溪路 556 号，企业类型为股份有限公司。 经营范围为：银行业务；公募证券投资基金销售（依法须经批准的项目，经相关 部门批准后方可开展经营活动，具体经营项目以审批结果为准）。 截至 2023 年末，浙江网商银行资产总额 4,521.30 亿元，负债总额 4,263.62 亿元，净资产 257.68 亿元。全年实现营业收入 187.43 亿元，实现净利润 42.03 亿元。 三、关联交易的定价依据 本次授信后拟发生业务按 ...

Dividend Distribution and Shareholder Returns - The company plans to implement an interim dividend distribution for 2024 to enhance investor returns and boost long-term shareholder confidence[4] - The company distributed a cash dividend of RMB 0.2885 per share (tax included) for the 2023 fiscal year, totaling RMB 3.276 billion, with RMB 2.551 billion distributed to A-share holders and RMB 725 million to H-share holders[188] - The company's cash dividend payout ratio for 2023 was 30.05% of the net profit attributable to shareholders, consistent with the 30% payout ratio in 2022 and 2021[188] - The company plans to implement an interim dividend distribution to enhance investor returns and boost long-term shareholder confidence, with specific details to be announced after corporate governance procedures[189] Financial Performance and Key Metrics - Total assets increased by 4.77% to RMB 1,510.31 billion as of June 30, 2024, compared to RMB 1,441.52 billion at the end of 2023[19] - Net profit for the first half of 2024 reached RMB 7.56 billion, a year-on-year increase of 6.18%[18] - Non-performing loan ratio remained stable at 1.19% as of June 30, 2024, unchanged from the end of 2023[19] - Provision coverage ratio stood at 360.29% as of June 30, 2024, down by 6.41 percentage points from the end of 2023[19] - Capital adequacy ratio was 15.71% as of June 30, 2024, a decrease of 0.28 percentage points from the end of 2023[19] - Net interest income decreased by 7.99% to RMB 110.81 billion in the first half of 2024 compared to the same period in 2023[18] - Non-interest income increased by 26.03% to RMB 35.61 billion in the first half of 2024 compared to the same period in 2023[18] - Cost-to-income ratio improved to 25.28% in the first half of 2024, down by 5.92 percentage points from the same period in 2023[18] - Customer deposits grew by 5.07% to RMB 941.65 billion as of June 30, 2024, compared to RMB 896.20 billion at the end of 2023[19] - Core tier 1 capital adequacy ratio increased to 13.83% as of June 30, 2024, up by 0.30 percentage points from the end of 2023[19] - Net profit increased by 440 million yuan, a year-on-year growth of 6.18%[119] - Non-performing loan (NPL) ratio remained stable at 1.19% as of June 2024[120] - Overdue loan ratio slightly increased to 1.52%, up by 0.1 percentage points compared to the end of the previous year[120] - Special mention loans ratio rose to 1.41%, up by 0.27 percentage points, with 90.04% of these loans being secured[121] - The average provision ratio for special mention loans reached 32.56% as of June 2024[121] - Corporate loan NPL ratio increased slightly to 1.07%, but the NPL formation rate continued to decline year-on-year[121] - The company achieved operating income of 14.642 billion yuan, with a year-on-year decline narrowing by 1.41 percentage points compared to Q1[118] Risk Management and Asset Quality - The company does not have any significant risks that require special attention from investors, with detailed risk management measures outlined in Chapter 3[5] - Non-performing loan (NPL) balance increased to RMB 8,395.0 million, up by RMB 336 million from the end of 2023, with the NPL ratio remaining stable at 1.19%[72] - Corporate NPL balance increased by RMB 366 million, with the NPL ratio rising by 0.03 percentage points, while retail NPL balance decreased by RMB 30 million, with the NPL ratio dropping by 0.02 percentage points[73] - The largest single borrower's loan accounted for 3.68% of net capital, and the top ten borrowers' loans accounted for 23.14% of net capital, with no NPLs among the top ten borrowers[74] - Manufacturing sector loans accounted for 10.25% of total loans, with an NPL ratio of 0.82%, while the real estate sector had an NPL ratio of 6.88%[73] - Loans to the water, environment, and public facilities management sector accounted for 10.85% of total loans, with an NPL ratio of 0.53%[73] - The top ten single borrowers were primarily from sectors such as water management, transportation, and leasing services, with no NPLs reported[76] - The company maintained strict credit risk management and optimized its loan structure, focusing on reducing NPLs and improving asset quality[72][73] - Total customer loans and advances increased to RMB 706.86 billion as of June 30, 2024, with a non-performing loan (NPL) ratio of 1.19%, unchanged from the end of 2023[77] - Corporate loans NPL ratio rose by 0.03 percentage points to 1.07%, while retail loans NPL ratio decreased by 0.02 percentage points to 1.58% as of June 30, 2024[77] - Restructured customer loans and advances increased to RMB 3.15 billion, accounting for 0.45% of total loans and advances, up from RMB 614.5 million (0.09%) at the end of 2023[78] - Overdue customer loans and advances totaled RMB 10.75 billion, representing 1.52% of total loans and advances, an increase of RMB 1.14 billion and 0.10 percentage points from the end of 2023[79] - Loan impairment provisions increased to RMB 30.13 billion as of June 30, 2024, up from RMB 29.43 billion at the end of 2023[80] - Credit loans accounted for 20.78% of total loans and advances, up from 19.80% at the end of 2023[81] - The migration rate for normal loans increased to 2.20% as of June 30, 2024, compared to 1.43% at the end of 2023[82] - County deposits accounted for 73.79% of total deposits, up 1.61 percentage points from the end of 2023, while county loans accounted for 48.91%, down 0.39 percentage points[83] - Credit risk loss provision balance reached 34.263 billion yuan, an increase of 617 million yuan compared to the end of the previous year, with credit asset impairment provision balance at 30.246 billion yuan[123] - Provision coverage ratio stood at 360.29%, and the provision-to-loan ratio was 4.28%, maintaining a high level among listed banks[123] - Overdue loans coverage ratios were 477.01% for loans overdue for more than 90 days and 413.32% for loans overdue for more than 60 days[123] - Credit impairment losses for the first half of 2024 amounted to 2.457 billion yuan, an increase of 612 million yuan year-on-year, up by 33.18%[123] - Loan and advances credit impairment losses were 2.535 billion yuan, an increase of 1.165 billion yuan year-on-year, up by 85.06%[123] - The company's debt investment asset quality remained stable, with a decrease of 445 million yuan in impairment provisions compared to the same period last year[123] - The company completed the optimization and update of the retail internal rating model, with coverage of retail products increasing to 99%[125] - The company initiated the construction of a model risk management system and the optimization of the operational risk management system[125] - The company conducted stress tests on credit, market, and liquidity risks, and quantified the impact of extreme risks on capital adequacy levels[125] - The company's large risk exposure indicators as of the end of June 2024 were better than regulatory standards[129] - The company strengthened its operational risk management system, including optimizing monitoring indicators and enhancing risk prevention capabilities[146] - The company improved its reputation risk management mechanism, focusing on crisis response, complaint handling, and public relations[147] - The company optimized its information technology risk management system and updated the "Information Technology Risk Management Measures" to enhance the comprehensiveness, effectiveness, and operability of the system[148] - The company strengthened 7×24 operation and maintenance management, ensuring network security during key periods such as New Year's Day and Spring Festival, effectively maintaining the stable operation of important businesses[148] - The company revised anti-money laundering internal control systems, optimized monitoring models, and applied technologies such as artificial intelligence and machine learning to efficiently screen and report suspicious transactions[149] Digital Transformation and Technology - The company is accelerating digital transformation, focusing on "digital development, intelligent risk control, smart branches, and efficient operations"[14] - The company's financial technology personnel exceeded 600, with over 20% of talent in the technology finance sector[103] - External data service interfaces were accessed 191 million times in the first half of 2024, with a decision success rate exceeding 99.99%[104] - The company submitted 12 invention patent applications in 2024, with a cumulative total of 157 patents and 8 software copyrights[105] - Mobile banking users reached 14.7616 million, with a net increase of 379,200 users and transaction volume of 703.427 billion yuan in 2024[106] - Corporate internet banking customers totaled 165,900, with a net increase of 6,200 and transaction volume of 538.168 billion yuan in 2024[106] - The company's call center handled 3.5117 million calls with a customer satisfaction rate of 99.34% and an artificial response rate of 92.82%[106] - The company's robot outbound calls reached 5.8608 million, accounting for 98.07% of total outbound calls[106] - The company's wealth management product system includes multiple branded products such as rural revitalization and the Chengdu-Chongqing economic circle[101] - The company has established 5 branches, 26 primary sub-branches, 126 secondary sub-branches, 1,283 sub-offices, 1 community branch, and 12 village banks in county areas by the end of June 2024[108] - The company has issued 23.6525 million debit cards in county areas, accounting for 78.81% of the total debit cards issued by the bank[108] - The company has 11.7306 million mobile banking users in county areas, accounting for 79.47% of the total mobile banking users, with an increase of 302,900 users compared to the end of the previous year[108] - The company's personal deposits in county areas reached 635.261 billion yuan, accounting for 78.65% of the total personal deposits[109] - The company's rural revitalization series wealth management products have accumulated over 16 billion yuan in issuance and created nearly 400 million yuan in profits for customers[110] - The company's leasing asset balance in Chongqing is 14 billion yuan, with 77% in county areas, and new leasing projects in Chongqing in 2024 amounted to 2.96 billion yuan, with 56.32% in county areas[110] - The company's rural revitalization digital financial service platform has achieved full coverage in 38 agricultural counties in Chongqing, covering 7,752 villages with a coverage rate of nearly 98%, and pre-approved credit for 1.33 million farmers exceeded 20.2 billion yuan[111] - The company's 12 village banks have a total registered capital of 1.662 billion yuan, total assets of 5.246 billion yuan, and a non-performing loan ratio of 1.47%[112] - The company's financial leasing subsidiary has total assets of 65.679 billion yuan and achieved a net profit of 1.018 billion yuan in the reporting period[113] - The company aims to accelerate digital transformation by integrating into the digital Chongqing initiative, enhancing operational efficiency through standardization and digitalization[168] Green Finance and Sustainability - The company is targeting to become a green finance benchmark bank, integrating into green finance reform and innovation pilot zones, and forming a comprehensive green finance service system[16] - The company's green credit balance reached 67.46 billion yuan, an increase of 5.47 billion yuan from the end of the previous year, achieving 91.2% of the target plan, with the green credit ratio increasing by 0.4 percentage points to 10.6%[94] - The company has supported 9 ecological restoration and environmental protection projects in the Yangtze Economic Belt, with a total credit line of 6.385 billion yuan and a loan balance of 557 million yuan as of June 2024[191] - The company has launched innovative green financial products such as "Solid Waste Loan" and "Green Electricity Loan," forming a comprehensive green financial service system[191] - The company has collaborated with State Grid Chongqing Electric Power Company to develop green financial solutions for the new power system, aiming to promote the clean energy industry chain[192] - The company's agricultural loan balance reached 240.457 billion yuan as of June 2024, supporting rural revitalization and poverty alleviation efforts[193] - The company has pre-approved credit for 1.33 million rural households, exceeding 20.2 billion yuan, through its digital rural financial service platform[194] - The company has launched over 20 standardized credit products tailored to local agricultural industries, such as "Pickled Mustard Loan" and "Orange Loan"[195] Corporate Governance and Compliance - The 2024 interim financial report has been reviewed by KPMG Huazhen LLP under Chinese review standards and by KPMG under international review standards[4] - The company's registered and office address is at No. 36 Jinshamen Road, Jiangbei District, Chongqing, with a postal code of 400023[7] - The company's A-share stock is listed on the Shanghai Stock Exchange with the stock code 601077, and its H-share stock is listed on the Hong Kong Stock Exchange with the stock code 03618[8] - The company was established in 2008, listed on the H-share main board in 2010, and listed on the A-share main board in 2019, with main businesses including inclusive finance, corporate finance, and financial markets[10] - The company has 1 non-bank wholly-owned subsidiary and 1 non-bank controlled subsidiary, engaged in wealth management and financial leasing, and controls 12 village banks[10] - The company aims to become a nationally leading regional bank, focusing on "supporting agriculture and small businesses, serving the real economy"[11] - The company is leveraging its retail financial advantages, including a wide network of branches and leading customer groups, to drive the development of "pension finance" and "inclusive finance"[15] - The company is aiming to become a comprehensive financial market operator, promoting synergy across the group, and forming a full-chain customer service system of "investment + funds + custody"[17] - The company held 1 shareholders' meeting, 7 board meetings, and 6 supervisory board meetings during the reporting period, reviewing a total of 93 proposals and 68 reports[169] - The bank has adopted the "Standard Code for Securities Transactions by Directors of Listed Companies" and confirmed that all directors and supervisors complied with the code during the first half of 2024[171] - The bank's board of directors includes 9 members, with Chairman Xie Wenhui and President Sui Jun being key executives, and the board composition reflects a mix of executive, non-executive, and independent directors[174] - The bank's supervisory board consists of 7 members, including shareholder representatives, external supervisors, and employee representatives, ensuring diverse oversight[175] - The company and its shareholders, directors, supervisors, and senior management strictly fulfilled the commitments disclosed in the IPO prospectus and listing announcement[200] - Major shareholders committed not to transfer or entrust others to manage their shares within 36 months after the listing, with possible extensions under certain conditions[200] - After the lock-up period, shareholders must notify the company in writing before selling shares and comply with relevant regulations[200] - Internal employees holding shares over 50,000 committed not to transfer shares within 3 years after listing and to limit annual sales to 15% of their holdings thereafter[200] - Shareholders holding more than 1% of shares committed to comply with CSRC and SSE regulations on share reduction[200] Employee Structure and Training - The company has a total of 14,156 in-service employees, with 10,501 in business development, 530 in technology information, 1,017 in risk control, and 2,108 in operations and comprehensive management[180] - The age structure of employees is as follows: 1,573 aged 30 and below, 6,704 aged 31-40, 3,343 aged 41-50, and 2,536 aged 51 and above[180] - The educational structure of employees includes 1,019 with a master's degree or higher, 10,418 with a bachelor's degree, and 2,719 with a college degree or below[180] - As of the end of June 2024, the group has 14,592 in-service employees, including 14,156 in the bank and 436 in subsidiaries[181] - The bank also has 385 dispatched workers, 292 retired employees, and 7,587 retired employees[181] - The number of technology information employees decreased slightly compared to the end of the previous year due to some employees being formally transferred to Chongqing Yuyin Financial Technology Co., Ltd[181] - The bank's compensation policy includes basic salary, performance salary, and welfare income, with performance salary linked to annual operating performance[182] - In the first half of 2024, the bank conducted over 750 training sessions with more than 60,000 participants[184] - The proportion of employees with a bachelor's degree or higher has increased to 80.79%[184] Branch Network and Customer Service - The company has a total of 1,743 branches, including 1,439 in Chongqing's counties and 302 in Chongqing's main urban area, with a branch network covering all 38 administrative districts and counties in Chongqing[185] - The company has established 74 24-hour self-service banking centers and deployed 6,149 self-service devices, with a machine-to-branch ratio of 3

Investment Rating - The report maintains an "Accumulate" rating for the company [1][5]. Core Views - The company achieved a Q2 profit growth rate of 26%, with revenue growth turning positive in the same quarter. For H1 2024, revenue and net profit attributable to the parent company decreased by 1.3% and increased by 5.3% year-on-year, respectively. Q2 figures showed a revenue increase of 0.2% and a net profit increase of 26.3% year-on-year, exceeding expectations [1][3]. - Loan growth was steady, with corporate loans contributing over 90%. In H1 2024, total loans increased by 4.9% year-on-year, with corporate loans rising by 8%. New loans added in H1 2024 were approximately 30 billion, which was a decrease of about 10 billion year-on-year, primarily due to retail loan performance [1][2][3]. - The cost of liabilities improved significantly, with a slight decrease in net interest margin in Q2. The net interest margin for H1 2024 was 1.63%, down 16 basis points year-on-year, with a slight decrease of 2 basis points in Q2. The loan yield decreased by 43 basis points to 4.25% [2][3]. - The non-performing loan (NPL) ratio remained stable at 1.19%, with a provisioning coverage ratio decreasing by 7 percentage points to 360%. The overdue and attention rates increased, influenced by retail loans. The overdue rate rose to 1.52%, with the estimated NPL generation rate increasing to approximately 0.82% [4][5]. - Earnings forecasts have been slightly adjusted, with EPS for 2024 and 2025 projected at 1.02 yuan and 1.07 yuan, respectively. The estimated net asset value per share by the end of 2024 is expected to be 10.92 yuan, corresponding to a price-to-book (PB) ratio of 0.48 times based on the closing price on August 28, 2024 [5][7].

证券代码：601077 证券简称：渝农商行 公告编号：2024-029 重庆农村商业银行股份有限公司 关于召开 2024 年半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 2024 年 8 月 29 日 披露了 2024 年半年度报告，为使广大投资者更加全面、深入地了解本行 2024 年 半年度经营成果、财务状况，本行计划于 2024 年 9 月 6 日(星期五)14:00-15:30 举行 2024 年半年度业绩说明会，就投资者普遍关注的问题进行回答。 一、业绩说明会类型 （三）会议召开方式：上证路演中心视频直播和网络互动 三、参加人员 本行董事长、行长、副行长等高级管理人员、独立董事代表及本行部分部 门负责人。如有特殊情况，参加人员可能会有调整。 四、投资者参加方式 （一）投资者可在 2024 年 9 月 6 日(星期五)14:00-15:30，通过互联网登 录上证路演中心（http://roadshow.sseinfo.com ...