上海农村商业银行股份有限公司 KPMG Huazhen II P 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 +86 (10) 8518 5111 Fax Internet kpmg.com/cn 毕马威华振专字第 2401448 号 上海农村商业银行股份有限公司董事会： 2023 年度非经营性资金占用及 其他关联资金往来情况的专项说明 我们接受委托,按照中国注册会计师审计准则审计了上海农村商业银行股份有限公司 (以下简称"贵行") 2023 年度的财务报表，包括 2023年 12 月 31 日的合并资产负债表和资 产负债表，2023 年度的合并利润表和利润表、合并现金流量表和现金流量表、合并股东权 益变动表和股东权益变动表以及相关财务报表附注,并于 2024 年 4 月 25 日签发了无保留 意见的审计报告。 根据中国证券监督管理委员会、中华人民共和国公安部、国务院国有资产监督管理委 员会和中国银行保险监督管理委员会发布的《上市公司监 ...

证券代码：601825 证券简称：沪农商行 公告编号：2024-017 上海农村商业银行股份有限公司 2023 年度利润分配方案公告 本公司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： 分配比例：每 10 股派发现金股利人民币 3.79 元(含税)。 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，具体股权登记日期将在权益分派实施公告中明确。 本次利润分配方案尚需提交股东大会审议批准。 一、利润分配方案内容 根据毕马威华振会计师事务所（特殊普通合伙）审计的2023年度 会计报表，上海农村商业银行股份有限公司（以下简称"本公司"） 2023年度实现净利润人民币118.72亿元。本次利润分配方案如下： 1.按照经审计的本公司2023年度净利润人民币118.72亿元的10% 提取法定盈余公积，共计人民币11.87亿元。 2.按照期末风险资产增加额的1.5%提取计提一般风险准备，共计 人民币8.10亿元。 4.以实施权益分派股权登记日登记的总股本为基数，对普通股每 10股分配现金红利人民币3.79元(含税)，共 ...

上海农村商业银行股份有限公司 2023 年度会计师事务所履职情况评估报告 毕马威华振按照与本公司签订的业务约定书，遵循相关审计准则 和其他执业规范、守则，为本公司提供 2023 年度财务报表审计、内 部控制审计及其他相关专业服务。在执行审计及其他专项工作过程中， 1 毕马威华振与本公司董事会审计委员会和管理层进行了充分、必要的 沟通。 三、对会计师事务所履职情况的评估 本公司从会计事务所资质情况、人力及其他资源配备、审计工作 方案、审计沟通及审计质量、信息安全管理、风险承担能力等方面对 毕马威华振 2023 年度的履职情况展开评估，结果如下： 上海农村商业银行股份有限公司（以下简称"本公司"）按照选 聘会计师事务所的公司治理流程，经过 2022 年度股东大会同意，聘 请毕马威华振会计师事务所（特殊普通合伙）（以下简称"毕马威华 振"）担任本公司 2023 年度会计师事务所。根据《国有企业、上市公 司选聘会计师事务所管理办法》（财会〔2023〕4 号）《上海农村商业 银行股份有限公司年报外部审计工作管理办法》，本公司董事会对毕 马威华振 2023 年度履职情况进行了评估，具体情况如下： 一、会计师事务所基本情况 ...

Financial Performance - The total operating income for Q1 2024 was RMB 7,084,730, representing a year-on-year increase of 3.69%[3] - The net profit attributable to shareholders of the parent company was RMB 3,551,958, with a year-on-year increase of 1.48%[3] - The net profit attributable to shareholders of the parent company after deducting non-recurring gains and losses was RMB 3,145,534, showing a year-on-year decrease of 9.99%[3] - The bank's net interest income for Q1 2024 was RMB 5,050,080 thousand, down from RMB 5,150,619 thousand in Q1 2023, showing a decrease of approximately 1.9%[30] - The bank's basic earnings per share for Q1 2024 was RMB 0.37, compared to RMB 0.36 in Q1 2023, indicating a slight improvement[32] - The bank's total comprehensive income for Q1 2024 was RMB 4,915,978 thousand, compared to RMB 3,656,427 thousand in Q1 2023, indicating a substantial increase[32] - The bank's investment income for Q1 2024 was RMB 848,550 thousand, significantly higher than RMB 305,156 thousand in the same period of 2023, reflecting a growth of approximately 178.5%[30] Cash Flow - The net cash flow from operating activities reached RMB 29,594,890, a significant improvement compared to a negative cash flow of RMB 1,600,227 in the same period last year[6] - Cash inflow from investment activities totaled RMB 30,764,162 thousand in Q1 2024, up from RMB 13,774,411 thousand in Q1 2023[34] - The net cash flow from financing activities in Q1 2024 was RMB (6,184,971) thousand, compared to RMB 6,542,393 thousand in Q1 2023, indicating a shift towards cash outflow[34] - The total cash and cash equivalents at the end of Q1 2024 reached RMB 43,200,942 thousand, an increase from RMB 34,648,485 thousand at the end of Q1 2023[34] - The bank's net increase in customer deposits and interbank funds was RMB 5,605,013 thousand in Q1 2024, compared to RMB 15,919,731 thousand in Q1 2023[33] - The cash received from investment returns in Q1 2024 was RMB 2,882,609 thousand, compared to RMB 2,530,991 thousand in Q1 2023, reflecting a positive trend[34] Assets and Liabilities - The total assets as of March 31, 2024, were RMB 1,441,596,392, an increase of 3.55% from the end of 2023[3] - The total liabilities amounted to RMB 1,320,321,919, reflecting a year-on-year increase of 3.49%[3] - The bank's total equity as of March 31, 2024, was RMB 121,274,473 thousand, an increase from RMB 116,358,495 thousand at the end of 2023, representing a growth of approximately 4.0%[29] - The company’s capital adequacy ratio was 16.97%, meeting regulatory requirements[14] Loan and Asset Quality - The non-performing loan ratio was 0.99%, slightly up from 0.97% at the end of 2023[11] - The company’s non-performing loan balance was 7.188 billion yuan, with a non-performing loan ratio of 0.99%[14] - The company’s personal loan balance (excluding credit cards) was 184.522 billion yuan, a decrease of 5.373 billion yuan, or 2.83%[15] - Corporate loans amounted to 467.345 billion yuan, an increase of 15.321 billion yuan, or 3.39%[17] - Inclusive small and micro loans reached 79.145 billion yuan, an increase of 1.56% from the end of the previous year[19] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 151,790[24] - The largest shareholder, Shanghai State-owned Assets Management Co., held 895,796,176 shares, accounting for 9.29% of the total shares[24] - Shanghai Guosheng Group Asset Co. and Zhejiang Huhangning Expressway Co. plan to increase their holdings in the company starting from December 13, 2023, for a period of 6 months[27] Green Financing Initiatives - The company issued green financial bonds with a total amount of CNY 3 billion, successfully directing more social funds into the green industry[23] - The balance of green credit reached CNY 3,640.50 billion, growing by 4.26% compared to the end of the previous year[23] - The company’s green financing lease balance increased by 21.31% to CNY 4,123.09 billion[23] Awards and Recognition - The company received awards for "Outstanding Contribution Unit in Financial Excellence" and "Outstanding Unit in Technology Financial Services" in Shanghai for 2023[22] - The company has a total of 965 enterprises in its "Xindong Neng" cultivation library, indicating a strong focus on supporting innovative enterprises[22] Technology and Innovation - The company established a total of 12 technology financial specialty branches and 4 technology financial teams, with loans to technology enterprises reaching CNY 1,029.00 billion, an increase of CNY 103.84 billion or 11.22% compared to the end of the previous year[22] - Loans to small and medium-sized technology enterprises accounted for 83.37% of the total, with the number of technology enterprise loan clients increasing by 397 to 3,672, a growth of 12.12%[22]

| 第一章 总则 | | --- | | 第二章 经营宗旨和范围 . | | 第三章 股份 . | | 第四章 党的组织 | | 第五章 股东和股东大会 | | 第六章 董事和董事会 32 | | 第七章 高级管理层 52 | | 第八章 监事和监事会 | | 第九章 财务会计、利润分配、审计与法律顾问制度 62 | | 第十章 通知和公告 | | 第十一章 合并、分立、增资、减资、解散与清算 69 | | 第十二章 修改章程 . | | 第十三章 附 则 · 73 | 第一章 总则 第一条 为维护上海农村商业银行股份有限公司(以下简称"本 行")、股东和债权人的合法权益，规范本行的组织和行为，根据《中 国共产党章程》《中华人民共和国公司法》(以下简称"《公司法》")、 《中华人民共和国证券法》(以下简称"《证券法》")、《中华人民 共和国商业银行法》(以下简称"《商业银行法》")、《中华人民共 和国银行业监督管理法》(以下简称"《银行业监督管理法》")、《上 市公司章程指引》（以下简称"《章程指引》"）、《银行保险机构 公司治理准则》及其他有关适用法律法规，制定本章程。 第二条 本行系依照《公司法》《商业银 ...

附件1-3： 上海农村商业银行股份有限公司 监事会议事规则 第一章 总 则 第一条 为进一步规范上海农村商业银行股份有限公司 （以下简称"本行"）监事会的议事方式和表决程序，促使 监事和监事会有效地履行监督职责，完善公司法人治理结 构，根据《银行保险机构公司治理准则》《上市公司治理准 则》《上海农村商业银行股份有限公司章程》等有关法律、 法规，结合本行实际情况，制定本规则。 第二条 监事会是本行的内部监督机构，对股东大会负 责并报告工作，在法律法规、本行章程和股东大会赋予的职 权范围内行使职权，维护本行职工、债权人和其他利益相关 者及股东的合法权益。 第三条 监事会下设办公室，配备专职人员，负责监事 会日常事务。 第二章 监事会议事程序 第一节 会议种类、召集与主持 第四条 监事会会议包括定期会议和临时会议。 第五条 监事会定期会议每年至少应当召开4次。在发出 召开监事会定期会议的通知之前，监事会办公室应当向全体 监事征集会议提案，初步形成会议提案后交监事会主席拟 1 定。在征集提案和征求意见时，监事会办公室应当说明监事 会重在对本行规范运作和董事、高级管理人员职务行为的监 督而非经营管理的决策。为保护本行员 ...

证券代码：601825 证券简称：沪农商行 公告编号：2024-021 上海农村商业银行股份有限公司 关于续聘会计师事务所的公告 本公司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： 一、拟聘任会计师事务所的基本情况 （一）机构信息 1.基本信息 毕马威华振会计师事务所于 1992 年 8 月 18 日在北京成立，于 2012 年 7 月 5 日获财政部批准转制为特殊普通合伙的合伙制企业， 更名为毕马威华振会计师事务所（特殊普通合伙）（以下简称"毕马 威华振"），2012 年 7 月 10 日取得工商营业执照，并于 2012 年 8 月 1 日正式运营。毕马威华振总所位于北京，注册地址为北京市东城区东 长安街 1 号东方广场东 2 座办公楼 8 层。 毕马威华振的首席合伙人邹俊，中国国籍，具有中国注册会计师 资格。 截至 2023 年 12 月 31 日，毕马威华振有合伙人 234 人，注册会 1 本公司拟聘用毕马威华振会计师事务所（特殊普通合伙）为本 公司 2024 年度会计师事务所。 本次续聘事项尚需提交本公司 ...

上海农村商业银行股份有限公司 董事会审计委员会 2023 年度履职情况报告 2023 年是上海农村商业银行股份有限公司（以下简称"公司"） 2023-2025 年三年战略的启航之年。根据《银行保险机构公司治理准 则》《上市公司治理准则》《上海证券交易所股票上市规则》《上海 证券交易所上市公司自律监管指引第 1 号——规范运作》《上海农村 商业银行股份有限公司章程》和《上海农村商业银行股份有限公司董 事会审计委员会工作规则》等有关规定，董事会审计委员会在董事会 的领导下，认真履行委员会工作职责，坚决深化落实金融监管要求， 继续围绕财务报告、内部控制和内外部审计工作情况开展审查和监 督，充分发挥监督经营管理的作用，较好地完成了全年的目标任务。 现将主要工作汇报如下： 一、委员会组成情况 公司董事会审计委员会由 5 名委员组成，其中独立董事 3 名，非 执行董事 2 名。审计委员会主任委员由独立董事担任，委员会结构合 理，全部委员均具备履行审计委员会工作职责的专业知识和经验，切 实履行了审计委员会的责任和义务。 （一）定期审核财务报告，强化审计沟通 审计委员会主持召开了 2022 年年报审计计划沟通会、2022 年 ...

Financial Performance - Total assets reached RMB 7,114.83 billion, an increase of 8.65% from the previous year[33]. - Total loans and advances amounted to RMB 6,706.23 billion, reflecting a growth of 6.09% year-on-year[34]. - Total liabilities were RMB 12,758.55 billion, down by 8.52% compared to the end of 2022[34]. - Customer deposits totaled RMB 10,164.12 billion, a decrease of 7.73% from the previous year[34]. - Net profit attributable to shareholders was RMB 109.74 billion, representing a decline of 9.6% year-on-year[41]. - Non-interest income decreased to RMB 48.73 billion, down 17.26% from the previous year[41]. - The bank's capital adequacy ratio stood at 13.32%, slightly lower than the previous year's 13.35%[38]. - The non-performing loan ratio improved to 11.34%, a decrease of 0.12 percentage points from the previous year[38]. - The bank plans to distribute a cash dividend of RMB 3.79 per 10 shares, totaling RMB 36.55 billion[48]. - The bank's net profit attributable to shareholders for the year was CNY 12.142 billion, an increase of 10.64%[56]. - The operating revenue for the year was CNY 26.414 billion, with a growth of 3.07%[56]. - The average return on total assets was 0.93%, and the weighted average return on equity was 11.34%[56]. - The total liabilities as of December 31, 2023, were RMB 1,275,855,205 thousand, an 8.52% increase from RMB 1,175,683,474 thousand in 2022[72]. - The company achieved a basic earnings per share of RMB 1.26 for 2023, a 10.53% increase from RMB 1.14 in 2022[72]. - The total profit for the year was RMB 14,886.47 million, reflecting an 8.91% increase compared to 2022[88]. Asset Quality and Risk Management - The non-performing loan ratio stood at 0.97%, with a capital adequacy ratio of 15.74% and a provision coverage ratio of 404.98%, indicating solid risk compensation capabilities[51]. - The non-performing loan ratio at the end of the reporting period was 0.97%, indicating stable asset quality[57]. - The company maintained a low non-performing loan ratio, reflecting its commitment to prudent risk management practices[68]. - The company has established a comprehensive risk management system, ensuring clear risk strategies and preferences[68]. - The company is committed to maintaining stable credit asset quality while enhancing post-loan management and non-performing asset management[198]. - The company will continue to strengthen risk management and improve credit risk warning systems to adapt to external regulatory dynamics[198]. - The company is focusing on risk management in key areas such as real estate, inclusive small and micro loans, and retail online loans to maintain overall asset quality stability[199]. Customer Base and Market Presence - The number of retail customers served exceeded 23 million, and the number of corporate clients surpassed 340,000, with over 50,000 clients in the micro and small enterprise sector[52]. - The bank has served nearly 6,900 technology-based enterprises, with a loan balance exceeding CNY 92 billion for these clients[52]. - The company has a strong local market presence in Shanghai, leveraging its extensive network and solid customer base in suburban areas for business development[199]. - The company has established 357 branches in Shanghai, with 274 located in suburban areas, achieving 77% coverage of suburban towns[200]. Digital Transformation and Innovation - The bank's digital transformation strategy, named "FOCUS," aims to enhance digital financial product offerings and improve service capabilities[53]. - The company launched new financial products, including "R&D loans" and "Xin Ke Quick Loans," tailored for technology enterprises[159]. - The company launched various investment strategies to help clients hedge risks and preserve asset value in a volatile market environment[176]. - The company has implemented a digital risk management support system, enhancing its risk measurement and capital management capabilities[184]. - The company completed the second round of digital transformation initiatives, focusing on integrating business and technology[177]. Green Finance and Sustainability - The bank's green finance initiatives included the establishment of a "2+N" institutional framework for green finance[58]. - The company's green credit balance reached CNY 61.431 billion, an increase of 41.00%, significantly higher than the overall credit growth rate during the same period[160]. - The balance of green bonds held by the company was CNY 11.549 billion, with a growth rate of 27.84%, positioning it among the top rural financial institutions in the country[160]. - The company launched innovative green financial products, including the first "carbon neutral/rural revitalization" green medium-term notes in Shanghai[160]. - The company issued its first ESG report and aligned its environmental information disclosure with international TCFD standards[175]. Corporate Governance and Strategic Vision - The bank's governance structure is balanced and effective, supporting long-term development through a market-oriented approach[68]. - The bank's strategic vision includes becoming a leading bank in inclusive finance and a model for ESG management[67]. - The company plans to continue optimizing its asset-liability structure and respond flexibly to market changes to maintain profitability[195]. - The company is focusing on improving internal capital resource allocation and enhancing its capital management capabilities in response to new capital regulations effective January 1, 2024[197]. Product and Service Development - The company launched over 500 new products during the reporting period, enhancing its product matrix and diversifying its offerings[152]. - The company achieved a 29.92% year-on-year increase in loans to technology enterprises, reaching a total of 92.516 billion yuan, with the number of technology enterprise loan customers growing by 33.13% to 3,275[173]. - The company launched new inclusive finance products, including "Easy Loan" and "Micro Enterprise Loan," expanding its product line[184]. - The company is preparing for custodial cooperation with multiple financial institutions after obtaining approval for securities investment fund custody[170]. Awards and Recognition - The company received multiple awards in 2023, including recognition in the "Top 100 Global Banks" ranking at 128th place[70]. - The company received multiple awards for its market influence and innovation in the financial sector, including recognition from the China Foreign Exchange Trading Center and the Shanghai Gold Exchange[176].

附件 1-1： 上海农村商业银行股份有限公司 股东大会议事规则 第一章 总 则 第一条 为规范上海农村商业银行股份有限公司（以下简 称"本行"）的行为，保证股东大会依法行使职权，根据《银 行保险机构公司治理准则》《上市公司股东大会规则》《上海 农村商业银行股份有限公司章程》（以下简称"《章程》"）及 其他法律、法规，结合本行实际，制定本规则。 第二条 本行应当严格按照法律、行政法规、本行《章程》 及本规则的相关规定召开股东大会，保证股东能够依法行使 权利。本行董事会应当切实履行职责，认真、按时组织股东 大会，本行全体董事应当勤勉尽责，确保股东大会正常召开 和依法行使职权。 （一） 董事人数不足《公司法》规定的最低人数或者少 于本章程规定人数的2/3时； （二） 未弥补亏损达本行实收股本总额的1/3时； 第三条 股东大会应当在相关法律法规和本行《章程》规 定的范围内行使职权。 股东大会职权范围内的事项，应由股东大会审议决定， 但在必要、合理、合法的情况下，股东大会可以授权董事会 决定。授权的内容应当明确、具体。股东大会对董事会的授 权，如授权事项属于本行章程规定应由股东大会以普通决议 通过的事项，应当由出席股东 ...