成都银行股份有限公司（以下简称"本公司"）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"）作 为本公司 2024 年度财务及内部控制审计机构。根据财政部、国 务院国有资产监督管理委员会及中国证券监督管理委员会颁布 的《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），本公司对毕马威华振在审计过程中的履职情况进 行了评估。具体情况如下： 一、聘任会计师事务所履行的程序 成都银行股份有限公司对会计师事务所 2024 年度履职情况评估报告 2024 年 6 月 12 日，经 2023 年年度股东大会审议通过，本公 司聘请毕马威华振担任本公司 2024 年度财务报表审计机构和 2024 年度内部控制审计机构。 二、2024 年度会计师事务所履职情况 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 2024 年度财务报表 审计、内部控制审计及其他相关专业服务等。 在执行审计及其他专项工作过程中，毕马威华振与本公司董 事会关联交易控制与审计委员会和管理层进行了必要的沟通。 1 按时提交审计报告，较好的完成了本公司委托的工作。 三、 ...

证券代码：601838 证券简称：成都银行 公告编号：2025-033 成都银行股份有限公司 关于 2025 年度日常关联交易预计额度的公告 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： 2025 年 4 月 28 日，成都银行股份有限公司（以下简称"本公 司"或"本行"）第八届董事会第十二次会议审议通过了《关于成都 银行股份有限公司 2025 年度日常关联交易预计额度的议案》，关联 董事王晖、王永强、付剑峰、余力、马晓峰回避表决。 该日常关联交易事项须提交股东大会审议。 该日常关联交易事项对本公司的持续经营能力、盈利能力及资 产状况不构成重要影响。 一、日常关联交易基本情况 （一）日常关联交易预计额度履行的审议程序 2025 年 4 月 28 日，本公司第八届董事会第十二次会议审议通过 了《关于成都银行股份有限公司 2025 年度日常关联交易预计额度的 议案》，关联董事王晖、王永强、付剑峰、余力、马晓峰回避表决。 该议案须提交股东大会审议，关联股东将回避表决。本议案在提交董 事会审议前已经本公司第八届董事 ...

Financial Performance - Total assets reached RMB 1.25 trillion, with deposits of RMB 880 billion and loans of RMB 740 billion, marking a continuous growth of over RMB 100 billion for four consecutive years[17]. - Operating income and net profit exceeded RMB 22 billion and RMB 12 billion respectively, with a weighted average return on equity of 17.81%[17]. - Annual operating income was CNY 22.982 billion, representing a 5.89% growth year-over-year[29]. - Net profit attributable to shareholders was CNY 12.858 billion, up 10.17% from the previous year[29]. - Basic earnings per share reached CNY 3.28, a 0.27% increase year-over-year[29]. - The company's operating revenue for 2024 reached ¥22,981,527, an increase of 5.89% compared to ¥21,702,189 in 2023[43]. - Net profit for 2024 was ¥12,850,233, reflecting a growth of 10.10% from ¥11,671,933 in 2023[43]. - The company's total liabilities increased by 14.15% to ¥1,164,211,707 in 2024, up from ¥1,019,923,459 in 2023[43]. Asset Quality - Non-performing loan ratio decreased for nine consecutive years to 0.66%, maintaining the best asset quality in the industry[17]. - The non-performing loan ratio improved to 0.66%, marking a decline for nine consecutive years[29]. - Provision coverage ratio was 479.29%, maintaining a strong risk resistance capability among listed banks[29]. - The non-performing loan ratio improved to 0.66% in 2024, down from 0.68% in 2023[46]. - The provision coverage ratio for non-performing loans was reported at 479.29% in 2024, slightly down from 504.29% in 2023[46]. Market Position and Recognition - The company ranked 359th in the Fortune China 500 list, marking its first entry into the ranking[17]. - The company entered the Fortune China 500 for the first time, ranking 359th[29]. - The company was recognized multiple times as a "Monthly Active Trading Merchant" and "Annual Market Innovative Institution" in the interbank market, showcasing its competitive edge[85]. Loan and Deposit Growth - Total deposits amounted to CNY 885.859 billion, growing by 13.51% compared to the previous year[29]. - Total loans stood at CNY 742.568 billion, reflecting an 18.67% year-over-year increase[29]. - Personal consumption loan issuance and balance increased by over 100% and 120% respectively compared to the previous planning period[22]. - The company expanded its retail customer base to over 10 million, with new savings deposits reaching a historical peak of 84.3 billion yuan[34]. - Personal customer deposits grew by 23.79% to 438.42 billion, while corporate customer deposits increased by 3.79% to 405.45 billion[140]. Technological Advancements - The company implemented a new ticket business system that reduced processing time by 80%, significantly enhancing operational efficiency and customer experience[19]. - The company plans to accelerate the launch of important IT projects to enhance "finance + technology" integration[35]. - The monthly active user base for mobile banking reached 1.39 million, showcasing significant growth in digital engagement[34]. - The company expanded its electronic banking services, optimizing customer transaction experiences and increasing customer loyalty[87]. Risk Management - The company is focused on risk management, with effective measures in place to prevent systemic risks and enhance credit risk control[32]. - The company has strengthened its risk management framework, implementing new regulations to enhance operational risk management across banking and insurance institutions[76]. - Credit risk remains a significant concern, primarily related to loan portfolios and investment portfolios[200]. Green Finance Initiatives - The proportion of green loans has been continuously increasing, reflecting the company's commitment to supporting green, low-carbon, and circular economies[31]. - The company launched the first carbon emission reduction-linked loan, emphasizing its commitment to green finance and low-carbon transformation[79]. - Green loan balance ranked first among legal entities in Sichuan Province, with an increasingly完善的绿色融资服务体系[19]. Strategic Development - The company has established a comprehensive financial service ecosystem for inclusive finance, focusing on small and micro enterprises[19]. - The company is committed to long-termism and innovation, aiming to transform from a product provider to a value co-creator[35]. - The company achieved a historic high in credit issuance of nearly 400 billion yuan for the year, with new investments in local and credit bonds exceeding 40 billion yuan[30]. - The company aims to achieve 100% coverage of key regional industrial chains through comprehensive financial support[30]. Investment and Acquisitions - The company completed the acquisition of 100% of Sichuan Ming Mountain Jin Cheng Village Bank, enhancing its market presence[153]. - The company plans to increase its registered capital in Sichuan Jincheng Consumer Finance Company from 420 million to 1 billion, enhancing its investment capacity[156].

Financial Performance - Total revenue for Q1 2025 reached RMB 5,816,960, an increase of 3.17% compared to RMB 5,638,180 in Q1 2024[10] - Net profit for Q1 2025 was RMB 3,011,878, reflecting a growth of 5.64% from RMB 2,851,129 in Q1 2024[10] - Operating profit increased by 5.32% to RMB 3,548,462 in Q1 2025, up from RMB 3,369,264 in the same period last year[10] - Operating revenue was CNY 5.817 billion, reflecting a year-on-year increase of CNY 0.179 billion or 3.17%[21] - Net profit attributable to shareholders was CNY 3.012 billion, up CNY 0.161 billion or 5.64% year-over-year[21] - Total comprehensive income for Q1 2025 was CNY 1,946,014 thousand, down 40.5% from CNY 3,275,922 thousand in Q1 2024[50] - Basic earnings per share for Q1 2025 was RMB 0.71, a decrease of 5.33% compared to RMB 0.75 in Q1 2024[11] - Basic earnings per share were CNY 0.71, with a return on equity of 3.70%[21] Assets and Liabilities - Total assets as of March 31, 2025, amounted to RMB 1,334,807,829, representing a 6.77% increase from RMB 1,250,116,154 at the end of 2024[11] - The total liabilities reached CNY 1,246,159,369 thousand as of March 31, 2025, compared to CNY 1,164,211,707 thousand on December 31, 2024[46] - The company's equity attributable to shareholders was CNY 88,648,460 thousand as of March 31, 2025, up from CNY 85,855,452 thousand on December 31, 2024[46] Loans and Deposits - The total amount of loans and advances increased by 8.74% to RMB 807,467,842 compared to RMB 742,568,225 at the end of 2024[11] - Customer deposits grew by 8.91% to RMB 964,771,178 from RMB 885,859,340 at the end of 2024[11] - Total loans reached CNY 807.468 billion, an increase of CNY 64.900 billion or 8.74% from the previous year[20] - The total balance of loans classified as normal was CNY 797,536,145 thousand, accounting for 98.93% of total loans as of March 31, 2025, compared to 98.91% on December 31, 2024[40] Cash Flow and Investments - The cash flow from operating activities showed a significant decline, with a net cash flow of RMB 64,163,207 compared to a negative RMB 975,242 in the previous year, a change of -6679.21%[10] - Cash flow from operating activities generated a net amount of CNY 64,163,207 thousand, a significant improvement from a net outflow of CNY 975,242 thousand in Q1 2024[53] - Investment activities resulted in a net cash outflow of CNY 18,477,684 thousand in Q1 2025, contrasting with a net inflow of CNY 12,947,456 thousand in Q1 2024[55] Risk Management and Capital Adequacy - The weighted average return on equity decreased to 3.70% from 4.26% in the previous year, a decline of 0.56 percentage points[11] - The non-performing loan ratio stood at 0.66%, maintaining stability[22] - Provision coverage ratio was 456.00%, indicating strong risk management[22] - The liquidity coverage ratio was 183.59%, demonstrating ample liquidity[23] - The core Tier 1 capital adequacy ratio was 8.84% as of March 31, 2025, slightly down from 9.06% on December 31, 2024[34] - The leverage ratio decreased to 6.44% as of March 31, 2025, compared to 6.62% on December 31, 2024[36] - The liquidity coverage ratio was 183.59% as of March 31, 2025, down from 211.09% on December 31, 2024[38] Other Notable Events - The company completed the transfer of a 62% stake in Jiangsu Baoying Jincheng Village Bank, effective January 10, 2025[24] - The net increase in customer deposits and interbank placements was CNY 76,155,389 thousand, compared to CNY 53,175,599 thousand in Q1 2024[53] - The company continues to focus on maintaining a strong capital structure and improving asset quality, as indicated by the stable performance of normal loans and capital adequacy ratios[34][40]

Group 1 - The resignation of Jin Yu as chairman of Shanghai Bank due to age marks a significant leadership change, with Gu Jianzhong appointed as the new party secretary [2] - Wang Liang, the chairman of China Merchants Bank, reported a slight decline in operating income for 2024, while net profit showed a modest increase, reflecting the challenges faced by the banking sector [4][6] - Gao Yingxin, chairman of Minsheng Bank, reported the worst performance in nearly a decade, with a significant drop in both operating income and net profit, despite being the highest-paid executive in the A-share listed banks [8][9] Group 2 - Lu Jianqiang, chairman of Zheshang Bank, introduced the concept of "good financial practices" as a guiding principle for the bank's operations, emphasizing a new financial paradigm [9][11] - The upcoming retirement of several bank executives, including those from major banks, is expected to lead to a wave of leadership changes that could impact strategic direction and corporate culture [22][23] - The implementation of an elastic retirement policy starting in 2025 may allow banks to retain key executives beyond the statutory retirement age, potentially stabilizing leadership during transitions [27]

4月28日，银行ETF龙头（512820）爆量收涨0.81%，收盘价创历史新高。成交额达2.11亿元，环比激增 5倍以上！ 大盘全天弱势震荡，节前资金观望情绪浓郁，银行等高股息资产走强。建设银行、工商银行、江苏银 行、成都银行盘中价再创出历史新高！ 消息面上，高层会议强调，要加紧实施更加积极有为的宏观政策，用好用足更加积极的财政政策和适度 宽松的货币政策。加快地方政府专项债券、超长期特别国债等发行使用。兜牢基层"三保"底线。适时降 准降息，保持流动性充裕，加力支持实体经济。 华宝证券认为，会议重在落实已有政策，暂未出台明显增量政策，市场对消费、地产等领域的博弈或阶 段性降温，叠加长假临近，市场风险偏好或不高。行业方面，重点关注高股息（银行、公用事业）的防 御性板块。（来源于华宝证券20250427《2025年4月政治局会议解读：落实"先手"政策，充实"后手"储 备》） 在全球贸易格局不确定性犹存背景下，盈利稳健，具备高股息特征的银行板块延续强势，银行ETF龙头 (512820)配置价值突出： 【资金重新锚定价值中枢，兼具高股息和顺周期特征的银行板块值得关注】 光大证券指出，4月上市公司财报集中披露，资金需要重 ...

Investment Rating - The report maintains an "Overweight" rating for the banking sector and "Buy" for specific stocks such as China Merchants Bank and Industrial Bank [9][12][14]. Core Insights - The report highlights the establishment of new monetary policy tools and emphasizes the importance of stabilizing and activating the capital market [12][18]. - Investment opportunities are identified in the banking sector, followed by securities and insurance [12][14]. - The overall performance of listed banks in Q1 2025 is stable, with a decline in non-performing loan ratios [12][13]. - The report notes a decrease in the scale of wealth management products, with a total of 29.14 trillion yuan, down 810 billion yuan from the beginning of the year [12][19]. Summary by Sections Banking Sector - Listed banks reported a decline in non-performing loan ratios in Q1 2025, but some experienced net losses due to fluctuations in the bond market [2][12]. - The total scale of wealth management products decreased to 29.14 trillion yuan, with a year-on-year growth rate of 9.4% [12][19]. - The report recommends quality stocks such as China Merchants Bank, Industrial Bank, and Chengdu Bank [3][14]. Securities Sector - The China Securities Association issued guidelines to prevent securities firms from manipulating profits through valuation adjustments [2][12]. - The report indicates that the performance of securities firms remains resilient, with a year-on-year increase in net profit of 16% for 2024 and 51% for Q1 2025 [12][19]. - The report highlights the acquisition bid by Ant Group's shareholder for a securities firm, indicating ongoing consolidation in the sector [12][18]. Insurance Sector - The report suggests focusing on companies with relatively stable balance sheets, as the net profits of major insurers like China Ping An and China Taiping have declined [2][12]. - The report notes that the growth of new business value (NBV) remains strong, driven primarily by the bancassurance channel [12][19].

1.会议内容：成都银行股份有限公司 2024 年度暨 2025 年第一季度 业绩说明会。 2.会议召开时间：2025 年 5 月 8 日（星期四）下午 15:00-16:30。 3.会议召开形式：视频直播+网络互动。 证券代码：601838 证券简称：成都银行 公告编号：2025-027 成都银行股份有限公司关于召开 2024 年度暨 2025 年第一季度业绩说明会的公告 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： 4.会议召开网址：全景网（https://rs.p5w.net/html/146162.shtml）。 5.投资者可于 2025 年 5 月 5 日 17:00 前将相关问题通过电子邮件的 形式发送至公司本次会议问题征集邮箱：ir@bocd.com.cn。公司将于业 绩说明会上对投资者普遍关注的问题进行回答。 一、说明会类型 成都银行股份有限公司（以下简称"公司"）拟于 2025 年 4 月 29 日 披露《成都银行股份有限公司 2024 年年度报告》及其摘要、《成都银行 股份有限公司 202 ...

银行板块9股本月创新高 4月24日，银行板块逆市上涨，行业指数收盘涨1.16%，领跑市场，中国银行、农业银行、工商银行股价均创历史新高，收盘分别上涨2.1%、2%、 1.83%。从长线来看，本月以来共有9只银行股盘中股价创历史新高，其中建设银行、交通银行、江苏银行等6股在本周一刷新历史高点。 （原标题："大象股"也疯狂！这个板块密集新高） 本月以来，共有9只银行股盘中突破历史新高，包括工农中建四大国有银行股。去年四季度，银行股业绩明显改善，今年一季度亦有多股报喜。银 行板块现金分红金额有望再创新高，12股年度分红超百亿元。 数据显示，本月以来股价突破历史新高的9只银行股中，5股属于国有大型银行，除工农中建四大行外，交通银行亦上榜。4股属于城商行，包括北 京银行、上海银行、江苏银行、成都银行。创新高的银行股今年以来股价稳健上涨，上海银行年内涨幅达到15.52%，工农中建四大行年内涨幅均 在6%以上。 4月以来，市场行情持续震荡，银行板块作为高股息、低估值的避险资产颇受资金青睐。数据显示，农业银行、宁波银行、中信银行近5日获主力 资金净流入均在1亿元以上，此外工商银行、无锡银行、邮储银行获主力资金净流入超6000 ...

21世纪经济报道记者梳理去年业绩表现，数据显示，领跑的几家头部城商行江苏银行、北京银行、宁波银行、上海银行、南京 银行等头部城商行去年营收均在500亿元之上。 21世纪经济报道记者余纪昕 上海报道 随着年报季步入下半场，17家上市城商行中，已有14家的2024年业绩表现"浮出水面"。 在银行业普遍面临信贷需求不足、营收净利承压、息差收窄的背景下，这些城商行之中，不少家都充分发挥了地域优势资源和 优势业务细分领域实现差异化经营，业绩表现在"稳住"之余，更走出了亮眼的上升之路。 虽在网点数量和资产规模、营收上不及国有大行（后者凭借网点优势在吸纳低息存款方面更具优势），但不少城商行在营收增 速方面去年保持住了不错的增长势头，正打出各具特色的差异化发展策略。 营收净利双增"长跑"拉开差距 在营业收入方面，14家上市城商行去年大多实现了不错的同比增长表现，平均营收增速达5.31%。其中，南京银行（营收同比增 长11.32%）、江苏银行、宁波银行、杭州银行的表现尤为突出。 值得注意的是，江苏银行和宁波银行在同比营收基数本身较大的情况下，2024年营收仍实现了超8%的高速增长，江浙地区优质 客户信贷资源显然对两家银行连年实 ...