Financial Performance - Operating income for Q1 2024 was RMB 7,127.8 million, a decrease of 2.88% compared to RMB 7,339.2 million in Q1 2023[8] - Net profit for Q1 2024 was RMB 3,661.6 million, down 8.77% from RMB 4,013.7 million in Q1 2023[8] - The bank's operating profit for Q1 2024 was CNY 3,791,889 thousand, down from CNY 4,726,159 thousand in Q1 2023, a decrease of 19.8%[41] - Net profit for Q1 2024 was CNY 2,891,377, a decline of 21.06% compared to CNY 3,665,721 in Q1 2023[52] - The company's cost-to-income ratio improved to 27.21%, a decrease of 5.81 percentage points year-on-year, reflecting effective cost management strategies[24] Assets and Liabilities - Total assets as of March 31, 2024, reached RMB 1,491,082.7 million, an increase of 3.47% from RMB 1,441,082.0 million at the end of 2023[8] - Total liabilities increased to RMB 1,363,024.5 million, up 3.45% from RMB 1,317,580.3 million at the end of 2023[8] - The company's total assets as of March 31, 2024, amounted to 1.491 trillion yuan, an increase of 500.01 billion yuan or 3.47% from the end of the previous year[25] - Total liabilities rose to CNY 1,363,024,517 thousand as of March 31, 2024, compared to CNY 1,317,580,322 thousand at the end of 2023, marking an increase of 3.4%[38] Customer Loans and Deposits - Customer loans and advances totaled RMB 696,970.7 million, reflecting a growth of 2.99% from RMB 676,710.6 million at the end of 2023[8] - Customer deposits rose to RMB 951,560.4 million, marking a 6.18% increase from RMB 896,202.2 million at the end of 2023[8] - Customer loans and advances totaled 696.971 billion yuan, up 202.60 billion yuan or 2.99% from the end of the previous year[25] - Customer deposits reached 951.560 billion yuan, an increase of 553.58 billion yuan or 6.18% from the end of the previous year[25] Profitability Ratios - The return on average equity (annualized) decreased to 12.01%, down 2.66 percentage points from 14.67% in Q1 2023[8] - The annualized average return on total assets was 1.00%, a decrease of 0.17 percentage points year-on-year[23] - The annualized weighted average return on equity was 12.01%, down 2.66 percentage points from the previous year[23] Cash Flow - The net cash flow from operating activities significantly increased by 83.14% to RMB 69,904.6 million compared to RMB 38,170.9 million in Q1 2023[12] - Net cash flow from operating activities for Q1 2024 was ¥75,257,069 thousand, a significant increase from ¥37,456,835 thousand in Q1 2023, representing a growth of 100.5%[55] - Cash inflow from financing activities was ¥15,679,930 thousand in Q1 2024, down from ¥40,241,625 thousand in Q1 2023, a decrease of 61.0%[56] Investment Income - The bank reported a significant increase in investment income to CNY 938,466 thousand in Q1 2024, compared to CNY 464,183 thousand in Q1 2023, an increase of 102.1%[41] - The company reported a significant increase in investment income to CNY 1,070,899, compared to CNY 519,213 in Q1 2023[52] Non-Performing Loans - The company's non-performing loan balance was 8.274 billion yuan, with a non-performing loan ratio of 1.19%, remaining stable compared to the end of the previous year[26] - The provision for credit impairment losses for the period was 1.333 billion yuan, an increase of 1.203 billion yuan year-on-year, primarily due to a low base from the previous year[23]

一、《关于审议重庆农村商业银行股份有限公司 2024 年第一季度报告的议 案》 重庆农村商业银行股份有限公司 第五届董事会第四十二次会议决议公告 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 二次会议于 2024 年 4 月 26 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 4 月 12 日以电子邮件形式发出会议通知和材料，于 2024 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 9 名， 实际出席董事 9 名（其中，现场出席董事 3 名，董事张桥云先生书面委托毕茜女 士代为出席会议并行使表决权，董事长谢文辉先生、董事胡淳女士、殷祥林先生、 李明豪先生、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。 经参会董事推举，本次会议由董事隋军先生主持。本次会议审议通过了以下 议案： 证券代码：601077 证券简称：渝农商行 公告编号：2024-018 四、《关 ...

证券代码：601077 证券简称：渝农商行 公告编号：2024-017 重庆农村商业银行股份有限公司 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监事会关于辜校旭同志履职 情况审计的报告》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。 特此公告。 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。 重庆农村商业银行股份有限公司（以下简称"本行"）第五届监事会第二十 三次会议以书面传签、通讯表决方式召开。本行已于 2024 年 4 月 17 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 2024 年 4 月 22 日。截至 2024 年 4 月 22 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 7 名，实际表决监事 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 ...

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。 ...

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 ...

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 ...

Financial Performance - Net profit for 2023 reached RMB 11.125 billion, marking a 6.18% increase from the previous year[5]. - Total operating income for 2023 was RMB 27,957.2 million, down 3.40% from RMB 28,941.3 million in 2022[41]. - Revenue for the year was CNY 128 billion, with a net profit of CNY 11.1 billion, showing a growth rate of 6.18%[24]. - Net profit attributable to shareholders was RMB 10,902.4 million, a rise of 6.10% compared to RMB 10,275.6 million in 2022[41]. - Non-interest income reached RMB 4,464.1 million, representing an increase of 26.21% from RMB 3,537.1 million in the previous year[41]. - Total interest expense for 2023 was CNY 26.394 billion, an increase of CNY 0.540 billion, representing a growth of 2.09% driven by the growth in interest-bearing liabilities[56]. - The total amount of corporate loans and advances was RMB 327.78 billion, an increase of RMB 290.96 billion or 9.74% from the previous year[81]. Asset and Liability Management - Total assets increased to RMB 1,441.5 billion in 2023, representing a growth of 6.60% compared to 2022[5]. - Total liabilities reached RMB 1,317.58 billion, an increase of RMB 80.74 billion, representing a growth of 6.53%[92]. - The capital adequacy ratio increased to 15.99%, up from 15.62% in 2022, demonstrating robust capital management[11]. - The leverage ratio as of December 31, 2023, was 8.40%, up by 0.13 percentage points compared to the end of the previous year, driven by a higher growth rate of tier 1 capital[122]. - The net stable funding ratio stood at 126.22%, and the liquidity coverage ratio was 414.05%[100]. Loan and Deposit Growth - Total loans amounted to RMB 676.7 billion, up 6.96% year-on-year, while total deposits rose to RMB 824.9 billion, reflecting an 8.64% increase[5]. - Customer deposits totaled RMB 896.20 billion, an increase of RMB 71.26 billion, representing a growth of 8.64% compared to the previous year[93]. - The retail loan non-performing loan ratio increased to 1.60%, up 0.43 percentage points from the previous year, influenced by a slowdown in macroeconomic growth[110]. - The company provided a loan balance of 26 billion yuan for major projects in the Chengdu-Chongqing economic circle, enhancing its role in regional economic development[20]. Risk Management - The non-performing loan ratio improved to 1.22% in 2023, down from 1.25% in 2022[6][7]. - The provision coverage ratio stood at 366.70%, indicating strong risk management practices[8]. - The company has implemented a comprehensive risk management system, enhancing proactive risk management and monitoring capabilities in response to changing risk conditions[170]. - The company’s focus on risk monitoring in key sectors has led to a continuous improvement in asset quality, despite challenges in the retail loan segment[106]. Digital Transformation and Innovation - The company plans to accelerate its digital transformation in 2024, emphasizing a customer-centric organizational structure and innovative service models[21]. - The company has launched three "billion-level" online products to enhance financial service convenience and efficiency[18]. - The intelligent data decision platform provided a total of 422 million decision services in 2023, with a daily average of 1.156 million, representing a year-on-year increase of 156% and a decision success rate of 99.9%[145]. - The company has established a digital transformation strategy for its asset custody business, enhancing technological support for steady growth[143]. Strategic Focus and Market Position - The bank plans to distribute a dividend of RMB 2.885 per 10 shares for the 2023 fiscal year, subject to shareholder approval[12]. - The company's strategic vision aims to build the company into a leading regional bank in China, emphasizing a "customer-centric" approach and a "big retail" business model as the core competitive strength[31]. - The company achieved a global bank ranking of 115, reflecting significant growth and improvement in its operational performance[17]. - The company aims to enhance its financial services capabilities to support the real economy and contribute to national strategic initiatives[31]. Employee and Operational Efficiency - Employee costs accounted for 58.40% of total operating expenses in 2023, totaling RMB 573.5 million, a year-on-year increase of RMB 9.5 million[69]. - The company has increased its investment in financial technology talent, contributing to the rise in employee costs[69]. - The internal audit system was strengthened, focusing on strategic priorities and enhancing digital audit capabilities to improve operational efficiency[192]. Green Finance Initiatives - The green credit balance reached 62 billion yuan, with a year-on-year increase of 27.2%, highlighting the company's commitment to green finance initiatives[20]. - The company has established a "1+3+22+N" green finance system to promote green credit and financial products, seizing strategic opportunities in the Chengdu-Chongqing economic circle[37]. - The company continues to innovate green credit products and expand financing channels for enterprises[81]. Customer Engagement and Service Enhancement - The mobile banking app reached 14.38 million users by the end of 2023, with a net increase of 857,600 users, reflecting a growth rate of 6.34%[149]. - The total transaction amount for merchants reached CNY 187.13 billion, an increase of CNY 22.69 billion, representing a growth of 13.80% year-on-year[132]. - The company achieved a customer satisfaction rate of 99.26% in its telephone banking services, handling 7.1334 million customer calls during the reporting period[148].

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 ...