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]

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].

上海农村商业银行股份有限公司董事会审计委员会 对 2023 年度会计师事务所履行监督职责情况的报告 根据《国有企业、上市公司选聘会计师事务所管理办法》《上海 证券交易所上市公司自律监管指引第 1 号——规范运作》等监管规则 和《上海农村商业银行股份有限公司章程》《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》等制度要求，上海农村商业银 行股份有限公司（以下简称"公司"）董事会审计委员会认真履行了 对会计师事务所的监督职责，审议相关议案，积极指导有关工作并提 出建议，切实有效地履行了审查监督职能，充分发挥了协助董事会履 行职责的重要作用。董事会审计委员会对会计师事务所履行监督职责 情况如下： 一、提议聘请 2023 年度会计师事务所 公司董事会审计委员会对拟聘任会计师事务所的审计费用报价 和聘用条件等进行审核和评价，2023 年 4 月董事会审计委员会审议 通过《关于续聘 2023 年度会计师事务所的议案》，提请续聘毕马威 华振会计师事务所（特殊普通合伙）（以下简称"毕马威华振"）为 公司 2023 年度会计师事务所，并同意将相关聘请议案提交公司 2023 年 4 月的董事会审议。 1 公司董事会审计 ...

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 ...

证券代码：601825 证券简称：沪农商行 公告编号：2024-018 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。 上海农村商业银行股份有限公司 关于2024年度日常关联交易预计额度的公告 重要内容提示： 一、日常关联交易基本情况 （一）日常关联交易履行的审议程序 1.董事会表决情况和关联董事回避情况 2024 年 4 月 25 日，本公司第四届董事会第三十二次会议审议通 过《关于公司 2024 年度日常关联交易预计额度的议案》，表决结果： 赞成 9 票，反对 0 票，弃权 0 票。 关联董事周磊、张雪雁、王娟、刘宇、叶蓬、哈尔曼、阮丽雅、 李冠莹回避表决。该日常关联交易预计事项需提交本公司股东大会审 议，关联股东将回避表决。 2.独立董事专门会议审核意见 该日常关联交易事项已经上海农村商业银行股份有限公司 （以下简称"本公司"）第四届董事会第三十二次会议审议通 过，需提交本公司股东大会审议。 该日常关联交易事项对本公司持续经营能力、损益及资产状 况不构成重要影响，不会导致本公司对关联方形成依赖。 本公司预计的 2024 ...

上海农村商业银行股份有限公司（以下简称"公司"）第四届董 事会第三十二次会议以现场加远程视频电话接入方式于 2024 年 4 月 25 日在上海召开，会议通知及会议文件已于 2024 年 4 月 15 日以电 子邮件方式发出。本次会议应出席董事 17 人，亲自出席董事 15 人， 张雪雁董事、乐嘉伟董事因公务原因未能亲自出席，均委托徐力董事 长代为出席并表决。本次会议符合《公司法》和《公司章程》关于召 开董事会法定人数的规定，表决所形成的决议合法、有效。会议由徐 力董事长主持，公司部分监事、非董事高级管理人员列席会议。 会议经审议并表决通过以下议案： 一、关于公司 2023 年度董事会工作报告的议案 表决情况：同意 17 票，反对 0 票，弃权 0 票。 本议案需提交公司股东大会审议。 二、关于公司 2023 年度经营工作报告的议案 表决情况：同意 17 票，反对 0 票，弃权 0 票。 证券代码：601825 证券简称：沪农商行 公告编号：2024-015 上海农村商业银行股份有限公司 第四届董事会第三十二次会议决议公告 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 ...

证券代码：601825 证券简称：沪农商行 公告编号：2024-023 上海农村商业银行股份有限公司关于公司章程修订 获国家金融监督管理总局上海监管局核准的公告 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。 上海农村商业银行股份有限公司董事会 2024 年 4 月 26 日 1 上海农村商业银行股份有限公司（以下简称"公司"）于 2024 年 1 月 19 日召开的 2024 年第一次临时股东大会审议通过了《关于修订 <上海农村商业银行股份有限公司章程>及附件的议案》。根据国家金 融监督管理总局上海监管局的意见，公司对《上海农村商业银行股份 有限公司章程》（以下简称"公司章程"）部分修订内容进行了完善。 近日，公司收到《国家金融监督管理总局上海监管局关于上海农 村商业银行股份有限公司修改公司章程的批复》（沪金复〔2024〕249 号）。国家金融监督管理总局上海监管局已核准公司修改后的公司章 程，公司章程自核准之日起生效。 核 准 后 的 公 司 章 程 全 文 详 见 上 海 证 券 交 易 所 网 站 （www.sse. ...

上海农村商业银行股份有限公司 . 2023 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 Beiiing 100738 China Telephone +86 (10) 8508 5000 +86 (10) 8518 5111 Fax kpmg.com/cn Internet 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 毕马威华振审字第 2408890 号 上海农村商业银行股份有限公司全体股东: . 内部控制具有固有局限性，存在不能防止和发现错报的可能性。此外，由于情况的变 化可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低，根据内部控制审计 结果推测未来内部控制的有效性具有一定风险。 1 KPMG Huazhen I I P. a Pepple ...