特此公告。 上海农村商业银行股份有限公司（以下简称"公司"）近日收到 《国家金融监督管理总局上海监管局关于核准上海农商银行李培功 任职资格的批复》（沪金复〔2023〕116 号），国家金融监督管理总 局上海监管局已核准李培功先生的公司独立董事任职资格。 李培功先生的简历详见附件。 证券代码：601825 证券简称：沪农商行 公告编号：2023-037 上海农村商业银行股份有限公司 关于董事任职资格获监管机构核准的公告 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。 附件： 李培功先生的简历 李培功，男，1981 年 7 月出生，博士研究生学历，管理学博士 学位，教授。现任上海立信会计金融学院会计学院院长、教授，中国 对外经济贸易会计学会常务理事，成记泰达航空物流股份有限公司独 立董事，浙江嘉利（丽水）工业股份有限公司独立董事，湖州申科生 物技术股份有限公司独立董事，上海农商银行独立董事。曾任香港中 文大学全球经济与金融中心研究助理，厦门大学管理学院助理教授， 厦门大学管理学院副教授，美国佛罗里达州立大学访问学者，上海立 信会 ...

张雪雁女士、乐嘉伟先生的简历详见附件。 特此公告。 证券代码：601825 证券简称：沪农商行 公告编号：2023-035 上海农村商业银行股份有限公司 关于董事任职资格获监管机构核准的公告 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（以下简称"公司"）近日收到 《国家金融监督管理总局上海监管局关于核准上海农商银行张雪雁 任职资格的批复》（沪金复〔2023〕77 号）、《国家金融监督管理 总局上海监管局关于核准上海农商银行乐嘉伟任职资格的批复》（沪 金复〔2023〕78 号），国家金融监督管理总局上海监管局已核准张 雪雁女士、乐嘉伟先生的公司董事任职资格。 上海农村商业银行股份有限公司董事会 附件： 张雪雁女士的简历 张雪雁，女，1974 年 3 月出生，硕士研究生学历，经济学硕士 学位，高级经济师。现任中国远洋海运集团有限公司资本运营本部副 总经理，上海农商银行非执行董事。曾任中远（集团）总公司/中国 远洋战略发展部资本运营室副经理、中国远洋海运集团有限公司资本 运营本部资本运营室经理。 ...

证券代码：601825 证券简称：沪农商行 公告编号：2023-034 上海农村商业银行股份有限公司 关于参加 2023 年上海辖区上市公司集体接待日 暨中报业绩说明会活动的公告 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： 投资者可识别本公告中二维码，进入业绩说明会问题征集专题页 面提前留言提问。本公司将在说明会上对投资者普遍关注的问题进行 回答。 上海农村商业银行股份有限公司（以下简称"本公司"）于 2023 年 8 月 24 日发布本公司 2023 年半年度报告，为便于广大投资者更全 面深入地了解本公司 2023 年上半年经营成果、财务状况，本公司定 于 2023 年 9 月 7 日(周四)下午 14:00-16:30 参加"2023 年上海辖区 上市公司集体接待日暨中报业绩说明会"活动，就投资者关心的问题 进行交流。 一、说明会类型 会议召开时间：2023 年 9 月 7 日（周四）下午 14:00-16:30 会议召开地点：全景路演天下（http://rs.p5w.net） 会议召开方式：网络互动 ...

证券代码：601825 证券简称：沪农商行 公告编号：2023-033 2023 年 8 月 29 日 经中国人民银行《准予行政许可决定书》（银许准予决字〔2023〕 第 80 号）批准，上海农村商业银行股份有限公司近日在全国银行间 债券市场成功发行"上海农村商业银行股份有限公司 2023 年金融债 券（第一期）"（以下简称"本期债券")，并在中央国债登记结算 有限责任公司完成债券的登记、托管。 本期债券于 2023 年 8 月 24 日簿记建档，并于 2023 年 8 月 28 日 在全国银行间债券市场发行完毕。本期债券发行规模人民币 100 亿 元，品种为 3 年期固定利率债券，票面利率为 2.57%。本期债券募集 资金将依据适用法律和监管部门的批准，用于满足公司资产负债配置 需要，充实资金来源，支持实体经济发展。 特此公告。 上海农村商业银行股份有限公司董事会 上海农村商业银行股份有限公司 关于 2023 年金融债券（第一期）发行完毕的公告 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。 ...

Financial Performance - The company achieved operating revenue of RMB 13,885.80 million for the first half of 2023, a year-on-year increase of 7.93% compared to RMB 12,865.98 million in the same period of 2022[31]. - Net profit for the first half of 2023 reached RMB 7,150.74 million, reflecting an 18.15% increase from RMB 6,052.24 million in the first half of 2022[31]. - Total assets as of June 30, 2023, amounted to RMB 1,359,469.61 million, up 6.09% from RMB 1,281,399.12 million at the end of 2022[31]. - The total amount of loans and advances was RMB 696,514.13 million, representing a 3.86% increase from RMB 670,623.04 million at the end of 2022[31]. - The total profit for the first half of 2023 was 8,594.26 million RMB, up 17.12% from 7,337.77 million RMB in the same period of 2022[59]. Risk Management - The company has effectively managed various operational risks, including credit, market, liquidity, and operational risks[3]. - The company has no foreseeable major risks and has implemented measures to manage and control various operational risks[3]. - The company maintains a low non-performing loan ratio, reflecting its commitment to sound risk management practices[25]. - The bank's non-performing loan ratio stood at 0.95%, an increase of 0.01 percentage points from the end of last year, but a decrease of 0.02 percentage points from the first quarter of this year[196]. - The bank will enhance its credit risk management framework and improve the credit risk warning system to support sustainable asset quality[200]. Strategic Focus - The company focuses on inclusive finance, digital transformation, and customer-centric strategies as part of its core strategy[18][19]. - The operational strategy emphasizes customer priority, small and micro enterprises, retail business focus, and digital management[22]. - The company aims to establish itself as a quality bank with robust development, a model for ESG management, and a pioneer in inclusive finance from 2023 to 2025[21]. - The company plans to continue optimizing its asset-liability structure to enhance operational efficiency, as indicated by a 49.77% increase in investment income and fair value changes[54]. - The bank aims to strengthen its comprehensive financial service model to better meet corporate financing and equity management needs[194]. Customer Engagement - The company has a strong customer base with a coverage rate of 98.15% in Shanghai's 108 townships, maintaining high customer loyalty and retention[25]. - The number of personal customers (excluding credit card customers) increased to 21.87 million, a growth of 4.44% year-on-year[151]. - The company has established 465 "Heart Home" public service stations, enhancing brand recognition and trust in inclusive finance services[179]. - The remote banking center achieved a customer satisfaction rate of 99.47% for artificial services[184]. - The company has served nearly 2,000 new agricultural entities, providing a total of 1.88 billion yuan in loans to the upstream and downstream clients of the industrial chain[136]. Awards and Recognition - The company has received numerous accolades, including ranking 128th in the 2023 Global Bank Rankings by The Banker magazine and 310th in the 2023 Fortune China 500 list[28]. - The company has been recognized for its excellence in capital value and ESG practices, receiving the 2023 ESG Exemplary Award[28]. - The company received multiple awards for its financial technology innovations, including the Diamond Award at the third China RPA+AI Developer Competition[167]. Digital Transformation - The company has successfully launched a new generation corporate credit management system, enhancing risk management and enabling full online processes for non-retail credit business[171]. - The number of dedicated financial technology personnel increased by 3.92% to 743, representing 8.56% of the total workforce, highlighting the company's commitment to digital transformation[167]. - The company launched a new version of its corporate online banking platform, enhancing user experience and expanding its service offerings[170]. - The average daily transaction volume of the core accounting system was 7.75 million transactions, representing a year-on-year increase of 24.13%[182]. - The company has optimized its branch layout, with suburban branches accounting for three-quarters of total branches and serving over 70% of customers[178]. Financial Health - The company's capital adequacy ratio was 15.33% as of June 30, 2023, down 0.13 percentage points from 15.46% at the end of 2022[32]. - The bank's leverage ratio stood at 7.48% as of June 30, 2023, down from 7.62% at the end of 2022[104]. - The total liabilities of the group were RMB 1,248.67 billion, reflecting an increase of RMB 72.85 billion or 6.21% from the end of last year[71]. - The total equity attributable to shareholders increased by 5.03% to RMB 106.959 billion compared to the end of the previous year[78]. - The company's net interest margin decreased to 1.67% in the first half of 2023, down from 1.78% in the same period of 2022[32].

Financial Performance - The company's operating income for Q1 2023 was RMB 6,832,482 thousand, representing a year-on-year increase of 7.49%[3] - Net profit attributable to shareholders of the parent company reached RMB 3,500,275 thousand, up 12.44% compared to the same period last year[3] - The company reported a basic earnings per share of RMB 0.36, reflecting a 12.50% increase year-on-year[3] - The weighted average return on equity was 3.38%, showing a slight increase of 0.11 percentage points compared to the same period last year[3] - Net profit for Q1 2023 was RMB 3,601,208 thousand, representing a 12.1% increase compared to RMB 3,213,746 thousand in Q1 2022[35] - The total comprehensive income for Q1 2023 was RMB 3,656,427 thousand, an increase from RMB 3,033,993 thousand in the same period last year[35] Assets and Liabilities - Total assets as of March 31, 2023, amounted to RMB 1,320,958,312 thousand, reflecting a growth of 3.09% from the end of 2022[3] - The total liabilities were RMB 1,211,685,688 thousand, which is an increase of 3.06% compared to the end of 2022[3] - The company's total equity was RMB 109,272,624 thousand, up from RMB 105,715,647 thousand at the end of 2022[31] - The total amount of loans and advances issued was RMB 654,973,589 thousand, an increase from RMB 643,951,491 thousand at the end of 2022[29] Cash Flow - The net cash flow used in operating activities was RMB (1,600,227) thousand, a significant decrease of 103.61% year-on-year[5] - Cash flow from operating activities showed a net outflow of RMB 1,600,227 thousand, compared to a net inflow of RMB 44,327,465 thousand in Q1 2022[37] - Cash and cash equivalents at the end of Q1 2023 totaled RMB 34,648,485 thousand, down from RMB 42,589,619 thousand at the end of Q1 2022[38] Loan and Credit Activities - The non-performing loan ratio stood at 0.97% as of March 31, 2023, compared to 0.94% at the end of 2022[9] - The company’s non-performing loan balance was 6.618 billion yuan, with a non-performing loan ratio of 0.97%[13] - Green credit balance reached 348.212 billion yuan, a growth of 10.66% compared to the end of the previous year[15] - The balance of loans to technology enterprises was 76.334 billion yuan, increasing by 7.19% year-on-year[16] - Inclusive small and micro loans reached a balance of 66.308 billion yuan, with an increase of 2.195 billion yuan compared to the end of the previous year[16] Customer and Market Engagement - The number of personal customers (excluding credit card customers) increased to 21.23 million, up by 286,300 or 1.37% year-over-year[18] - Online channel users reached 5.81 million, growing by 2.31% compared to the previous year, with electronic channels accounting for 95.53% of wealth management and 86.20% of fund transactions[19] - The company launched exclusive financial products for elderly customers, enhancing asset planning services for this demographic[18] - The company signed strategic cooperation agreements with 20 private enterprises, providing a total of over 52 billion yuan in intended comprehensive credit lines[15] Investment and Financial Products - The company issued exclusive wealth management products for key customer groups, with a single product raising over CNY 1.1 billion[21] - The company’s foreign currency bond investment balance was CNY 4.30 billion, an increase of 19.24% from the previous year[20] - The company’s financial investments include RMB 151,868,157 thousand in debt investments, up from RMB 143,318,577 thousand at the end of 2022[29] Awards and Recognition - The company received three awards at the "14th Fund and Wealth Management - Jiefu Award," including "Outstanding Agricultural Commercial Bank Asset Management Award"[21] System and Operational Stability - The company achieved a 100% availability rate for its core accounting system during the national "Two Sessions" event, ensuring stable financial services[23]

Financial Performance - Total assets reached RMB 12,813.99 billion, reflecting a growth of 10.62% year-over-year[26]. - The company achieved a total operating revenue of 256.27 billion RMB in 2022, representing a year-on-year growth of 6.05%[115]. - Net profit for 2022 reached RMB 11,393,177 thousand, a 13.40% increase compared to RMB 10,046,919 thousand in 2021[108]. - The company's operating income for 2022 was RMB 25,627,270 thousand, representing a 6.05% increase from RMB 24,164,319 thousand in 2021[108]. - The average return on total assets was 0.93%, while the weighted average return on equity was 11.22%[84]. - The company reported a basic earnings per share of RMB 1.14 for 2022, a 5.56% increase from RMB 1.08 in 2021[108]. - The company achieved a net cash inflow from operating activities of CNY 125.03 billion, primarily due to the net increase in customer deposits[149]. Asset Quality - Total loans and advances amounted to RMB 6,706.23 billion, with a non-performing loan ratio of 0.94%[28]. - The non-performing loan ratio stood at 0.94%, with a provision coverage ratio of 445.32%, indicating a solid asset quality[81]. - The company maintained a provision coverage ratio of 445.32%, indicating strong asset quality management[115]. - The non-performing loan ratio improved to 0.94%, a decrease of 0.01 percentage points from the previous year[85]. - The company has a low non-performing loan ratio, reflecting robust asset quality and effective risk management practices[104]. Capital Adequacy - The capital adequacy ratio improved to 15.46%, an increase of 2.82 percentage points compared to the previous year[30]. - The capital adequacy ratio stood at 15.46%, exceeding regulatory requirements[115]. - The core tier 1 capital as of December 31, 2022, is RMB 103,580,315 thousand, with a core tier 1 capital adequacy ratio of 12.96%[164]. - The total capital as of December 31, 2022, is RMB 123,504,735 thousand, with a total capital adequacy ratio of 15.46%[164]. Customer Base and Deposits - The retail customer base exceeded 20 million, with a significant increase in customer value and contribution[82]. - Total deposits reached RMB 11,583.76 billion, marking a year-over-year increase of 12.57%[26]. - Customer deposits increased to CNY 943.49 billion, up CNY 105.35 billion or 12.57% year-on-year[145]. - The proportion of customer deposits to total liabilities was 81.77%, an increase of 1.15 percentage points from the previous year[147]. Strategic Initiatives - The company aims to enhance its market expansion strategies and product development initiatives in the upcoming fiscal year[75]. - The company plans to deepen its core strategies of customer centricity, inclusive finance, and digital transformation in the new three-year strategic cycle starting in 2023[82]. - The company launched a three-year action plan to support rural economic development, enhancing financial services for rural revitalization[84]. - The company is focused on expanding its market presence in the Yangtze River Delta region while deepening its services in various financial sectors[101]. Digital Transformation - The company is advancing its digital transformation, with the successful launch of the first phase of the digital transformation "FOCUS" project[82]. - The company has established a "FOCUS+" digital transformation strategy, focusing on enhancing financial technology capabilities and accelerating digital transformation efforts, with nearly 100 technology projects completed during the reporting period[188]. - The company launched a new mobile banking version 7.0, enhancing customer experience and processing over 1 million credit applications daily[187]. Social Responsibility and Inclusive Finance - The company emphasizes its commitment to social responsibility and inclusive finance initiatives[25]. - The company actively promotes inclusive finance, focusing on serving agriculture, small enterprises, and technological innovation[104]. - The company aims to create a service-oriented bank that focuses on customer value and comprehensive financial services[101]. Risk Management - The company has no foreseeable major risks, with effective management of credit, market, liquidity, and operational risks[75]. - The company has established a comprehensive risk management system with clear risk strategies and preferences, enhancing overall financial stability[104]. - The company has strengthened its risk management capabilities, focusing on risk identification, analysis, and indicators, leading to significant improvements in project research and development quality[191]. Awards and Recognition - The company has received multiple awards, including the 2022 Responsible Banking Gold Award and the 2022 Inclusive Finance Service Bank Award, highlighting its commitment to social responsibility[106]. - The brand value has improved, ranking 124th in the global banking 1000 and 194th in the global banking brand value 500, with a credit rating of "AA" and a stable outlook[81].

全景网：https://rs.p5w.net/html/136974.shtml 会议召开方式：视频直播和网络互动 投资者可于 2023 年 4 月 28 日（星期五）至 5 月 9 日（星期二） 16:00 前登录上证路演中心网站首页，点击"提问预征集"栏目或通 过本公司邮箱 ir@shrcb.com 进行提问。本公司将在说明会上对投资 者普遍关注的问题进行回答。 证券代码：601825 证券简称：沪农商行 公告编号：2023-010 上海农村商业银行股份有限公司 关于召开 2022 年度业绩说明会的公告 上海农村商业银行股份有限公司（以下简称"本公司"）于 2023 年 4 月 28 日发布本公司 2022 年年度报告，为便于广大投资者更全面 深入地了解本公司 2022 年度经营成果、财务状况，本公司定于 2023 年 5 月 10 日（星期三）下午 15:00-17:00 举行 2022 年度业绩说明会， 就投资者普遍关心的问题进行交流。 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： 上证路演中心：h ...