证券代码：601077 证券简称：渝农商行 公告编号：2024-034 重庆农村商业银行股份有限公司 第五届董事会第四十八次会议决议公告 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、《关于审议重庆农村商业银行股份有限公司 2024 年第三季度报告的议 案》 表决情况：有效表决票 8 票，同意 8 票，反对 0 票，弃权 0 票。 具体详见本行同日在上海证券交易所网站披露的《重庆农村商业银行股份有 限公司 2024 年第三季度报告》。 二、《关于审议重庆农村商业银行股份有限公司 2024 年中期利润分配方案 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。 具体详见本行同日在上海证券交易所网站披露的《重庆农村商业银行股份有 限公司 2024 年度中期利润分配方案公告》。本议案需提交本行股东大会审议。 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 八次会议于2024年10月29日在本行总行401会议室以 ...

证券代码：601077 证券简称：渝农商行 公告编号：2024-035 重庆农村商业银行股份有限公司 第五届监事会第二十七次会议决议公告 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。 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 七次会议于2024年10月29日在本行总行503会议室以现场结合通讯方式召开。 本行已于 2024 年 10 月 24 日以直接送达、传真和电子邮件形式发出会议通知和 材料。本次会议应出席监事 7 名，实际出席监事 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、《关于审议重庆农村商业银行股份有限公司 2024 年第三季度报告的议 案》 表决情况：有效表决票 7 票，同意 7 票，反对 0 票，弃权 0 票。 监事会认为：本行 2024 年第三季度报告的编制和审议程序符合国家法律、 法规和本行章程的规定；报告真实、准确、完整地反映了报告期内本行的经营管 理和财务状况，所载资料 ...

证券代码：601077 证券简称：渝农商行 公告编号：2024-036 重庆农村商业银行股份有限公司 2024 年度中期利润分配方案公告 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： 本次利润分配方案尚需提交股东大会审议。 二、 本次利润分配方案履行的决策程序 1、董事会会议的召开、审议和表决情况 一、 利润分配方案内容 经毕马威华振会计师事务所（特殊普通合伙）审阅，截至 2024 年 6 月 30 日， 重庆农村商业银行股份有限公司（以下简称"本行"）2024 年上半年归属于上市 公司股东的净利润为人民币 73.58 亿元。经董事会决议，本行 2024 年度中期拟 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.本行拟向全体股东每 10 股派发现金红利人民币 1.944 元（含税）。截至 2024 年 6 月 30 日，本行总股本为 113.57 亿股，以此计算合计拟派发现金红利 人民币 22.08 亿元（含税），占本行 2024 年上半年归属于上市公司股东的净利 润比 ...

Financial Performance - Revenue for Q3 2024 reached RMB 6,841.9 million, a year-on-year increase of 2.73%[3] - Net profit for Q3 2024 was RMB 3,013.4 million, up 0.34% year-on-year[3] - Net profit for the first nine months of 2024 was RMB 10.57 billion, an increase of 4.24% year-on-year[20] - Net profit for the first nine months of 2024 reached 10,574,134 thousand RMB, compared to 10,144,182 thousand RMB in the same period of 2023[28] - Net profit attributable to the parent company's shareholders for the first nine months of 2024 was RMB 9,306,456 thousand, compared to RMB 9,053,344 thousand in 2023[37] - Operating income for the first nine months of 2024 was RMB 21.51 billion, a decrease of 1.76% year-on-year[20] - Total operating income for the first nine months of 2024 was 21,514,396 thousand RMB, slightly down from 21,899,501 thousand RMB in the same period of 2023[28] - Total operating income for the first nine months of 2024 was RMB 19,574,803 thousand, a slight decrease from RMB 19,852,874 thousand in the same period of 2023[36] - Net interest income for the first nine months of 2024 was RMB 14,497,209 thousand, down from RMB 15,714,953 thousand in 2023[36] - Interest income for the first nine months of 2024 was 35,408,272 thousand RMB, down from 37,812,491 thousand RMB in the same period of 2023[28] - Basic earnings per share for the first nine months of 2024 were 0.89 RMB, up from 0.86 RMB in the same period of 2023[29] - The company's total comprehensive income for the first nine months of 2024 was 12,214,527 thousand RMB, up from 10,759,015 thousand RMB in the same period of 2023[29] - Total comprehensive income for the first nine months of 2024 was RMB 10,309,346 thousand, up from RMB 9,490,829 thousand in 2023[37] Asset and Liability Management - Total assets as of September 30, 2024, increased by 5.30% to RMB 1,517,467.5 million compared to the end of 2023[4] - Total assets of the group reached RMB 1,517.47 billion, an increase of RMB 76.39 billion or 5.30% compared to the end of the previous year[19] - Total assets increased to 1,517,467,458 thousand RMB as of September 30, 2024, up from 1,441,081,943 thousand RMB at the end of 2023[26] - Total assets increased to 1,433,298,339 thousand yuan as of September 30, 2024, up from 1,360,945,521 thousand yuan at the end of 2023[33] - Total liabilities reached RMB 1,385.39 billion, an increase of RMB 67.81 billion or 5.15% compared to the end of the previous year[20] - Total liabilities increased to 1,385,390,233 thousand RMB as of September 30, 2024, up from 1,317,580,322 thousand RMB at the end of 2023[27] - Total liabilities rose to 1,309,837,807 thousand yuan as of September 30, 2024, compared to 1,244,279,840 thousand yuan at the end of 2023[34] - Total equity increased to 132,077,225 thousand RMB as of September 30, 2024, up from 123,501,621 thousand RMB at the end of 2023[27] - Total equity attributable to shareholders increased to 123,460,532 thousand yuan as of September 30, 2024, up from 116,665,681 thousand yuan at the end of 2023[34] Loan and Deposit Growth - Customer loans and advances grew by 5.71% to RMB 715,376.1 million as of September 30, 2024[4] - Customer loans and advances totaled RMB 715.38 billion, up RMB 38.67 billion or 5.71% from the end of the previous year[19] - Loans and advances grew to 619,510,873 thousand yuan as of September 30, 2024, compared to 585,073,500 thousand yuan at the end of 2023[33] - Customer deposits totaled RMB 939.89 billion, up RMB 43.69 billion or 4.87% from the end of the previous year[20] - Customer deposits increased to 937,441,636 thousand yuan as of September 30, 2024, up from 893,928,148 thousand yuan at the end of 2023[34] Risk Management - Non-performing loan ratio decreased slightly to 1.17% as of September 30, 2024, from 1.19% at the end of 2023[7] - Non-performing loan ratio decreased by 0.02 percentage points to 1.17% compared to the end of the previous year[20] - Provision coverage ratio stood at 358.59% as of September 30, 2024, down from 366.70% at the end of 2023[7] - Provision coverage ratio stood at 358.59%, and the loan-to-deposit ratio was 4.20%, indicating strong risk resilience[21] Capital Adequacy - Core tier 1 capital adequacy ratio was 13.83% as of September 30, 2024, compared to 13.30% at the end of 2023[13] - Total capital adequacy ratio increased to 15.69% as of September 30, 2024, from 15.17% at the end of 2023[13] Cash Flow - Operating cash flow for the first nine months of 2024 surged by 98.67% to RMB 19,794.7 million[9] - Net cash flow from operating activities increased to 19,794,740 thousand yuan in 2024 Q1-Q3, up from 9,963,580 thousand yuan in the same period last year[30] - Net cash flow from operating activities for the first nine months of 2024 was RMB 25,653,065 thousand, a significant increase from RMB 7,138,521 thousand in 2023[38] - Net cash flow from investing activities decreased to -52,450,902 thousand yuan in 2024 Q1-Q3, compared to 21,284,445 thousand yuan in 2023 Q1-Q3[31] - Net cash used in investing activities for the first nine months of 2024 was RMB 51,634,699 thousand, compared to a net cash inflow of RMB 20,883,733 thousand in 2023[39] - Net cash flow from financing activities improved to 46,262,938 thousand yuan in 2024 Q1-Q3, reversing from -30,874,317 thousand yuan in 2023 Q1-Q3[31] - Net cash flow from financing activities for the first nine months of 2024 was RMB 46,366,608 thousand, a turnaround from a net cash outflow of RMB 30,858,384 thousand in 2023[39] - Cash and cash equivalents at the end of the period stood at 56,808,706 thousand yuan, up from 31,908,158 thousand yuan at the end of 2023[31] - The company's cash and cash equivalents at the end of September 2024 were RMB 53,994,279 thousand, up from RMB 26,732,664 thousand at the end of September 2023[39] Shareholder Information - The top 10 shareholders collectively hold a significant portion of the company's shares, with the largest shareholder being Hong Kong Securities Clearing (Nominees) Limited, holding 22.07% of the shares[21] - Chongqing Development Property Management Co., Ltd. and its affiliates held 9.21% of the company's total shares as of the reporting period[24] - Chongqing Urban Construction Investment (Group) Co., Ltd. and its affiliates held 7.28% of the company's total shares as of the reporting period[24] Interest Margin and Financial Investments - Net interest margin for the first nine months of 2024 was 1.52%, a decrease of 0.16 percentage points year-on-year[7] - Financial investments amounted to RMB 617.48 billion, an increase of RMB 18.70 billion or 3.12% compared to the end of the previous year[19]

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、准确性和完整性依法承担法律责任。 证券代码：601077 证券简称：渝农商行 公告编号：2024-033 重庆农村商业银行股份有限公司 首次公开发行限售股上市流通公告 重要内容提示： 本次股票上市类型为首发股份；股票认购方式为网下，上市股数为 1,626,465 股。 本次股票上市流通总数为 1,626,465 股。 本次股票上市流通日期为 2024 年 10 月 30 日。 一、本次限售股上市类型 经中国证券监督管理委员会《关于核准重庆农村商业银行股份有限公司首次 公开发行股票的批复》（证监许可﹝2019﹞1657 号）核准，并经上海证券交易所同 意，重庆农村商业银行股份有限公司（以下简称"本行"）向社会公众首次公开发 行人民币普通股（A 股）1,357,000,000 股，并于 2019 年 10 月 29 日在上海证券 交易所上市。 本行首次公开发行股票前总股本为 10,000,000,000 股，首次公开发行股票后 总股本为 11,357,000,000 股，其中限售股份的数量为 7,743,394,4 ...

一、渝农商行首次公开发行股票和股本情况 中国国际金融股份有限公司 经中国证券监督管理委员会（以下简称"中国证监会"）《关于核准重庆农村商业 银行股份有限公司首次公开发行股票的批复》（证监许可﹝2019﹞1657 号）核准，并 经上海证券交易所同意，渝农商行向社会发行人民币普通股（A 股）1,357,000,000 股， 并于 2019 年 10 月 29 日在上海证券交易所上市。公司首次公开发行股票前总股本为 10,000,000,000 股，首次公开发行股票后总股本为 11,357,000,000 股，其中限售股份的 数量为 7,743,394,491 股，无限售条件股份数量为 3,613,605,509 股。 关于重庆农村商业银行股份有限公司 截至本核查意见出具之日，公司未发生配股、公积金转增股本等事项。公司总股本 为 11,357,000,000 股，其中有限售条件 A 股流通股为 7,590,170 股，无限售条件 A 股流 通股为 8,836,073,789 股，无限售条件 H 股流通股为 2,513,336,041 股。 首次公开发行部分限售股解禁上市流通的核查意见 本次可以申请上市流通的限售股为 ...

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 ...