证券代码：601077 证券简称：渝农商行 公告编号：2025-010 一、利润分配方案内容 （一）利润分配方案的具体内容 经毕马威华振会计师事务所（特殊普通合伙）审计，截至 2024 年 12 月 31 日，重庆农村商业银行股份有限公司（以下简称"本行"）经审计的 2024 年度 税后净利润为人民币 105 亿元，归属于上市公司股东的净利润为人民币 115.13 亿元。经董事会决议，本行 2024 年度拟以实施权益分派股权登记日登记的总股 本为基数分配利润。本次利润分配方案如下： 1. 每股分配金额：每股派发现金股利人民币 0.1102 元（含税）。 2. 本次利润分配以实施权益分派股权登记日登记的总股本为基数，A 股、 H 股股息预计将于 2025 年 6 月 27 日支付，具体将在权益分派实施公告 中明确。 3. 在实施权益分派的股权登记日前本行总股本发生变动的，拟维持每股分 配金额不变，相应调整分配总额，并将另行公告具体调整情况。 4. 本次利润分配方案尚待本行 2024 年度股东大会审议通过后方可实施。 5. 本次利润分配方案不会触及《上海证券交易所股票上市规则（2024 年 4 月修订）》第 9. ...

Financial Performance - Operating income and net profit grew by 1.09% and 5.97% year-on-year, achieving a dual increase in scale and efficiency[13] - Net profit for 2024 was CNY 11,789.1 million, representing a growth of 5.97% from CNY 11,125.2 million in 2023[32] - Total operating income reached CNY 28,261.5 million, reflecting a slight increase of 1.09% compared to CNY 27,955.8 million in 2023[32] - The company aims to achieve stable growth in operating income, total profit, and per capita net profit, with a focus on optimizing cost, structure, and quality indicators[17] - The company reported a significant reduction in general and administrative expenses, which totaled RMB 2,675.5 million in 2024, down RMB 275.7 million or 9.34% year-on-year[68] Asset and Loan Growth - The total asset scale and loan balance increased by 5.13% and 5.55% respectively compared to the end of the previous year[13] - The balance of loans to technology enterprises increased by 6.3 billion RMB, reflecting a strong focus on supporting specialized and innovative enterprises[14] - The balance of green loans grew by 11.2 billion RMB, with an increase rate of 18%[14] - The balance of inclusive small and micro enterprise loans increased by 9% year-on-year[14] - The loan balance for the "33618" modern manufacturing cluster financial services reached 66 billion RMB, ranking first in the city with an 8% year-on-year increase[15] Risk Management - The company plans to enhance its credit risk management capabilities and implement a new risk classification regulation, establishing a product lifecycle management mechanism[17] - The company has established a comprehensive risk management system to ensure effective oversight and compliance across key operational areas[17] - The company continues to strengthen risk monitoring in key sectors and industries, adhering to regulatory credit guidelines[111] - The company plans to enhance risk management through digital transformation and improve proactive risk management capabilities[178] - The company will continue to strengthen credit risk monitoring and implement dynamic classification management for financial assets[177] Digital Transformation - The company is accelerating its digital transformation projects, utilizing big data and artificial intelligence to drive service innovation and operational efficiency[19] - The company has made significant progress in digital transformation, launching various platforms to enhance service delivery[38] - The smart data decision platform provided a total of 301 million decision services in 2024, with a daily average of 822,000 and a decision success rate of 99.9%[156] - The group’s financial technology initiatives included the completion of an intelligent call platform and the development of a facial recognition platform, enhancing service capabilities[156] - The group launched 14 new digital products, with four products achieving over CNY 10 billion in business growth[157] Customer Engagement - The total number of customers served reached 28 million, with over 1 million merchants served[16] - The number of mobile banking users surpassed 15 million, indicating strong digital engagement[39] - The company supported 24.6 million customers through 25,000 grid marketing activities in 2024, enhancing its outreach in rural areas[164] - The company launched 12 live-streaming events in 2024, attracting over 1.6 million viewers and generating sales exceeding 5 million yuan from nearly 90,000 items sold[165] - The company’s effective salary distribution clients increased by 126,000, with total salary distribution amounting to 28.54 billion yuan, of which 23.86 billion yuan was effective[144] Capital and Liquidity Management - The core tier 1 capital adequacy ratio increased to 14.24%, up from 13.53% in 2023[33] - The capital adequacy ratio reached 16.12% as of December 31, 2024, up from 15.99% at the end of 2023, indicating improved capital strength[126] - The liquidity ratio as of December 31, 2024, is 93.99%, a decrease from 91.42% in 2023 and significantly lower than 236.85% in 2022[200] - The company will continue to conduct proactive liquidity risk indicator assessments and adjust management strategies dynamically based on results[199] - The overall liquidity level remains good, with all key indicators meeting regulatory requirements as of the end of 2024[200] Non-Performing Loans - The non-performing loan ratio decreased by 0.01 percentage points compared to the end of the previous year[13] - The non-performing loan ratio stood at 1.18%, with a capital adequacy ratio of 16.12%[40] - The overdue loan ratio has decreased to 1.32%, down 0.10 percentage points year-on-year, indicating effective overdue management[175] - Retail loan non-performing loans remain stable, with 82.78% of non-performing loans backed by collateral, and the collateral value covers 1.97 times the loan principal[176] - The company maintained a stable NPL ratio for both corporate and retail loans compared to the previous year[112] Corporate Strategy - The company emphasizes its strategic vision to become a leading regional bank in China, focusing on supporting agriculture and small businesses while promoting high-quality economic development[25] - The company is committed to a differentiated operational strategy targeting agricultural and small enterprises, aiming to unlock market potential and expand business space[18] - The company aims to achieve breakthroughs in total deposits and general loan increments, contributing to its overall growth strategy[17] - The company has a strong commitment to corporate culture, emphasizing loyalty, resilience, and a proactive approach to business challenges[26] - The company will focus on supporting local economic development through financial services aligned with national policies[177]

重庆农村商业银行股份有限公司 2024 年 12 月 31 日内部控制审计报告 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 内部控制审计报告 1 毕马威华振会计师事务所(特殊普通合伙) — 中国合伙制会计 师事务所，是与毕马威国际有限公司(英国私 ...

重庆农村商业银行股份有限公司独立董事关于 第五届董事会第五十三次会议审议事项的独立意见 根据《中华人民共和国公司法》（以下简称"《公司法》"）、《银行保险机构公 司治理准则》《上市公司独立董事管理办法》及《重庆农村商业银行股份有限公 司章程》（以下简称"《公司章程》"）的有关规定，重庆农村商业银行股份有限公 司（以下简称"重庆农商行"）全体独立董事，本着公开、公正、客观的原则， 对重庆农商行第五届董事会第五十三次会议审议的有关重大事项发表独立意见 如下： 一 、关于 2024 年度利润分配方案及 2025 年中期利润分配安排的独立意见 经审阅《关于审议重庆农村商业银行股份有限公司 2024 年度利润分配方案 的议案》《关于审议重庆农村商业银行股份有限公司 2025 年中期利润分配安排的 议案》，全体独立董事就前述事项发表独立意见如下： 1.重庆农商行对税后利润按顺序依次提取法定公积金、计提一般准备金、派 发股息、转作未分配利润，利润分配方案符合《公司法》《中华人民共和国商业 银行法》《公司章程》及中国证券监督管理委员会《上市公司监管指引第 3 号— 上市公司现金分红(2023 年修订)》等相关规定，合法有效。 ...

证券代码：601077 证券简称：渝农商行 公告编号：2025-007 重庆农村商业银行股份有限公司 关于股东权益变动的提示性公告 股东重庆水务集团股份有限公司（以下简称"水务集团"）将成为渝富资本一致 行动人，渝富资本及其一致行动人将合并持有本行股份 1,151,246,454 股，占本 行总股本的 10.14%，截至目前，该次无偿划转事项尚需办理相关过户登记手续。 渝富资本及其一致行动人合并持股具体情况如下： 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. 本次权益变动为国有股东股权无偿划转。 2. 重庆农村商业银行股份有限公司（以下简称"本行"）第一大股东重庆渝 富资本运营集团有限公司（以下简称"渝富资本"）及其一致行动人合并持股占 本行总股本的 10.14%。根据重庆市国有资产监督管理委员会（以下简称"重庆 市国资委"）批复，重庆水务环境控股集团有限公司（以下简称"水务环境控股"） 将通过国有股权无偿划转的方式合计取得本行股东重庆市水利投资（集团）有限 公司（以下简称"水投集团"）100%的股权，水 ...

2 月社融增量 2.23 万亿元(Wind 一致预期 2.65 万亿元)，同比多增 7374 亿 元，存量同比增速 8.2%，较上月末+0.2pct。随隐债置换加速推进，2 月政 府债供给多增是支撑社融增长的主要力量。信贷需求仍有待提振，票据融资 冲量。政策预期向好，夯实经济回稳基础，推荐个股：1）质优个股，如招 行，兴业，成都，苏州，上海，渝农 AH、宁波；2）港股大行股息优势突出、 估值性价比高，如建行 H，工行 H、交行 H。 信贷同比少增，票据融资冲量 2 月贷款新增 1.01 万亿元(Wind 一致预期 1.24 万亿元)，同比少增 4400 亿 元。2 月贷款存量同比增速+7.3%，较 1 月末-0.2pct。居民贷款减少 3891 亿元，同比少减 2016 亿元，其中短贷、中长贷分别同比少减 2127 亿元、 多减 112 亿元。《政府工作报告》中将"全方位扩大国内需求"放在 2025 年工作任务首位，后续居民消费需求或有改善。企业贷款新增 1.04 万亿元， 同比少增 5300 亿元，其中短贷、中长贷、票据融资分别同比少增 2000 亿 元、少增 7500 亿元、多增 4460 亿元。2 月底 ...

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 而產生或因依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2025年3月25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12月31日止年度的全年業績及其發佈，及建議 末期股息（如有）之事宜。 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.* 執行董事兼行長 隋軍 中國•重慶，2025年3月13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、李明豪先生、李嘉明先生及畢茜女 士。 * 本行 ...