证券代码：601077 证券简称：渝农商行 公告编号：2025-039 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： 本行第五届董事会第六十三次会议审议通过了《关于审议重庆三峡融资担保 集团股份有限公司非授信类关联交易的议案》，上述议案经本次董事会有效表决 票全票通过（董事胡淳女士因关联关系回避表决）。会议同意与三峡担保开展担 保业务合作，担保合作额度 60 亿元，合作期限 2 年。上述议案已经本行第五届 董事会独立董事专门会议第十次会议、第五届董事会关联交易控制委员会第四十 次会议审议通过。 根据国家金融监督管理总局、上海证券交易所相关规定，上述交易属于重大 关联交易，应在本行独立董事专门会议、关联交易控制委员会审议后，提交本行 董事会审议，无需提交股东大会审议。 （二）关联关系及关联交易情况 本行主要股东重庆渝富资本运营集团有限公司为重庆渝富控股集团有限公 司的全资子公司，重庆渝富控股集团有限公司持有三峡担保 50%股权，同时三峡 担保持有本行 0.13 ...

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 2025年第三季度報告 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.*（「本行」或 「本銀行」）董事會（「董事會」）欣然宣佈本行及所屬子公司（「本集團」）截至2025年9月30 日止第三季度期間（「本報告期」）按照國際財務報告準則編製的未經審計業績（「本季度報 告」）。本季度報告乃根據香港聯合交易所有限公司（「香港聯交所」）證券上市規則（「上市 規則」）第13.09條及證券及期貨條例（香港法例第571章）第XIVA部項下之內幕消息條文 （定義見上市規則）的要求做出。 重要內容提示 1 本行行長隋軍先生代為履行董事長職務，至本行新任董事長任職資格獲監管機構核准之日 止。 - 1 - 1. 本行董事會、監事會及董事、監事、高級管理人員保證 ...

证券代码：601077 证券简称：渝农商行 公告编号：2025-038 二、《关于审议<重庆农村商业银行股份有限公司资金业务三年改革行动方 案（2025-2027）>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 2025 年第三季度第三支柱 披露报告的议案》 表决情况：有效表决票 7 票，同意 7 票，反对 0 票，弃权 0 票。 第五届董事会第六十三次会议决议公告 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"）第五届董事会第六十 三次会议于 2025 年 10 月 28 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 2025 年 10 月 15 日以电子邮件形式发出会议通知和材料，于 2025 年 10 月 23 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 1 名，董事胡淳女士、殷祥林先生、彭 玉龙先生、张桥云先 ...

: 3618 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. * * 海外監管公告 本公告乃重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.* （「本行」）根據香港聯合交易所有限公司證券上市規則第13.10B條而作出。 茲載列本行在上海證券交易所網站刊發之《重慶農村商業銀行股份有限公司第五屆董事會 第六十三次會議決議公告》《重慶農村商業銀行股份有限公司關於關聯交易事項的公告》， 謹供參閱。 承董事會命 重慶農村商業銀行股份有限公司* Chongqing Rural Commercial Bank Co., Ltd.* 執行董事兼行長 隋軍 中國 • 重慶，2025年10月28日 於本公告日期，本行執行董事為隋軍先生；本行非執行董事為胡淳女士、殷祥林先生及 彭玉龍先生；及本行獨立非執行董事為張橋雲先生、李明豪 ...

重庆农村商业银行股份有限公司 2025 年第三季度报告 证券代码：601077 证券简称：渝农商行 重庆农村商业银行股份有限公司 CHONGQING RURAL COMMERCIAL BANK CO., LTD. 2025 年第三季度报告 1 / 21 重庆农村商业银行股份有限公司 2025 年第三季度报告 重庆农村商业银行股份有限公司 2025 年第三季度报告 一、主要财务数据 （一）主要会计数据和财务指标 重要内容提示 1.本行董事会、监事会及董事、监事、高级管理人员保证季度 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。 2.本行行长隋军1、主管会计工作的副行长张进及会计机构负责 人刘一保证季度报告中财务报表信息的真实、准确、完整。 3.本行第三季度财务报表未经审计。 1 本行行长隋军先生代为履行董事长职务，至本行新任董事长任职资格获监管机构核准之日止。 2 / 21 本季度报告所载财务资料按照企业会计准则编制，除特别注明 外，为本集团数据，以人民币列示。 | 项目 | 2025 年 | 9 月 | 30 | 日 | 2024 年 | 12 月 | 31 ...

格隆汇10月28日｜渝农商行公告，第三季度营收为69.17亿元，同比增长1.10%；净利润为30.78亿元， 同比增长2.14%。前三季度营收为216.58亿元，同比增长0.67%；净利润为109.25亿元，同比增长 3.32%。 ...

Market Overview - The rural commercial bank sector experienced a decline of 0.75% on October 28, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 3988.22, down 0.22%, while the Shenzhen Component Index closed at 13430.1, down 0.44% [1] Individual Stock Performance - Key stock performances in the rural commercial bank sector included: - Ruifeng Bank: Closed at 5.51, unchanged - Sunong Bank: Closed at 5.24, down 0.19% - Zijin Bank: Closed at 2.91, down 0.34% - Changshu Bank: Closed at 7.00, down 0.57% - Yuanxi Bank: Closed at 6.14, down 0.65% - Hunan Rural Commercial Bank: Closed at 8.70, down 0.68% - Qingnong Bank: Closed at 3.24, down 0.92% - Yunnan Rural Commercial Bank: Closed at 6.96, down 1.00% - Zhangjiagang Bank: Closed at 4.49, down 1.10% - Jiangyin Bank: Closed at 4.94, down 1.20% [1] Capital Flow Analysis - The rural commercial bank sector saw a net inflow of 16.51 million yuan from institutional investors, while retail investors experienced a net outflow of 25.96 million yuan [1] - Detailed capital flow for selected banks included: - Sunong Bank: Net inflow of 13.07 million yuan from institutional investors, with a net outflow of 9.25 million yuan from retail investors [2] - Hunan Rural Commercial Bank: Net inflow of 13.06 million yuan from institutional investors, with a net outflow of 16.03 million yuan from retail investors [2] - Qingnong Bank: Net inflow of 7.95 million yuan from institutional investors, with a net outflow of 7.73 million yuan from retail investors [2] - Jiangyin Bank: Net outflow of 5.93 million yuan from institutional investors, with a net inflow of 8.14 million yuan from retail investors [2]

Core Viewpoint - The A-share market experienced a widespread decline in bank stocks, with notable drops in several major banks [1] Group 1: Market Performance - Shanghai Pudong Development Bank saw a decline of over 5% [1] - Other banks such as Minsheng Bank, Chongqing Rural Commercial Bank, Xi'an Bank, Jiangyin Bank, Jiangsu Bank, Zhangjiagang Bank, Shanghai Bank, Everbright Bank, Wuxi Bank, Bank of Communications, and China Construction Bank all experienced declines of over 1% [1]

Core Insights - The agricultural commercial bank sector experienced a slight decline of 0.13% on October 27, with the Shanghai Agricultural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3996.94, up 1.18%, while the Shenzhen Component Index closed at 13489.4, up 1.51% [1] Stock Performance - The closing prices and performance of key agricultural commercial banks are as follows: - Yunnan Agricultural Commercial Bank (601077) closed at 7.03, up 1.44% with a trading volume of 651,800 shares and a transaction value of 455 million [1] - Wuxi Bank (600908) closed at 6.18, up 0.32% with a trading volume of 176,600 shares and a transaction value of 109 million [1] - Zhangjiagang Bank (002839) closed at 4.54, up 0.22% with a trading volume of 373,600 shares and a transaction value of 170 million [1] - Other banks like Su Nong Bank (603323) and Zijin Bank (601860) saw declines of 0.19% and 0.34% respectively [1] Fund Flow Analysis - The agricultural commercial bank sector saw a net inflow of 24.73 million from institutional investors and 41.41 million from retail investors, while retail investors had a net outflow of 66.14 million [1] - Detailed fund flow for specific banks indicates: - Jiangyin Bank (002807) had a net inflow of 9.34 million from institutional investors and a net outflow of 18.65 million from retail investors [2] - Wuxi Bank (600908) had a net inflow of 8.72 million from institutional investors and a net outflow of 10.73 million from retail investors [2] - Other banks like Zijin Bank (601860) and Yunnan Agricultural Commercial Bank (601077) also experienced mixed fund flows with significant retail outflows [2]

Investment Rating - The investment rating for the industry is "Positive" (maintained) [1] Core Insights - The report highlights that retail non-performing loan (NPL) rates and generation rates are currently high, indicating ongoing pressure on bank profitability. Despite a low overall NPL rate, the retail sector shows signs of risk, with a marginal increase in the NPL rate to 1.28% [14][15] - The transition period for new risk regulations is nearing its end, with concerns about the impact on banks' provisioning levels. However, the report suggests that the actual impact may be less severe than market expectations [16] - The trend of de-collateralization in bank lending is evident, driven by both business characteristics and strategic choices made by banks to reduce reliance on collateralized loans [17] Summary by Sections 1. Retail NPL and Generation Rates - The retail NPL rate has increased to 1.28%, with a steepening curve indicating ongoing risk. The generation rate for retail loans remains high, with significant increases noted in certain banks [14][18] - The report indicates that while the overall NPL rate is low, the divergence between overdue and NPL indicators suggests underlying risks in the retail sector [19] 2. Impact of New Risk Regulations - The new risk regulations will require banks to classify impaired loans as NPLs, potentially increasing reported NPL rates. However, the report anticipates that the actual provisioning pressure may be manageable [16][17] 3. De-Collateralization in Lending - The report notes a significant decline in the proportion of collateralized loans, with banks shifting towards non-collateralized lending strategies. This shift is influenced by the need to manage risk more effectively [17][18] 4. Investment Recommendations - The report recommends certain state-owned banks due to their customer base advantages and manageable retail risk pressures. It also highlights specific banks such as CITIC Bank and Agricultural Bank of China as beneficiaries of this trend [6]