重庆银行股份有限公司首次公开发行股票并上市及公开发行可转换公司债券 保荐总结报告书 1、保荐总结报告书和证明文件及其相关资料的内容不存在虚假记载、误导 性陈述或重大遗漏，保荐机构及保荐代表人对其真实性、准确性、完整性承担法 律责任。 2、本保荐机构及本人自愿接受中国证监会对保荐总结报告书相关事项进行 的任何质询和调查。 3、本保荐机构及本人自愿接受中国证监会按照《证券发行上市保荐业务管 理办法》的有关规定采取的监管措施。 | 项目 | 内容 | | --- | --- | | 保荐机构名称 | 招商证券股份有限公司 | | 注册地址 | 深圳市福田区福田街道福华一路 号 111 | | 主要办公地址 | 深圳市福田区福田街道福华一路 111 号 | | 法定代表人 | 霍达 | | 保荐代表人 | 王晓、扈益嘉 | | 联系电话 | 010-57601715 | 二、保荐机构基本情况 招商证券股份有限公司 关于重庆银行股份有限公司首次公开发行股票并上市 及公开发行可转换公司债券之保荐总结报告书 招商证券股份有限公司（以下简称"招商证券"或"保荐机构"）担任重庆银行 股份有限公司（以下简称"发行人"、"重庆银行 ...

FF301 本月底法定/註冊股本總額： RMB 3,474,563,545 | 證券代號 | 601963 | 說明 | A股 | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 1,895,542,353 | RMB | | 1 RMB | | 1,895,542,353 | | 增加 / 減少 (-) | | | 380 | | | RMB | | 380 | | 本月底結存 | | | 1,895,542,733 | RMB | | 1 RMB | | 1,895,542,733 | | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | 是 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 | 01963 | 說明 | H股 | | | | | | | | | | 法定/ ...

Financial Performance - The audited net profit for 2023 is CNY 4.699 billion, with a proposed cash dividend of CNY 0.408 per share[6]. - The bank's net profit for 2023 reached RMB 5,228,955 thousand, representing a 2.20% increase compared to RMB 5,116,525 thousand in 2022[20]. - The bank's basic earnings per share for 2023 were RMB 1.36, up 3.82% from RMB 1.31 in 2022[20]. - The bank's total operating income for 2023 was RMB 13,211,473 thousand, a slight decline of 1.89% from RMB 13,465,405 thousand in 2022[20]. - The bank's investment income increased by 9.05% to RMB 2,010,579 thousand in 2023, compared to RMB 1,843,673 thousand in 2022[20]. - The bank's cash flow from operating activities for 2023 was RMB 4,449,352 thousand, down 16.23% from RMB 5,311,657 thousand in 2022[20]. - The bank's total assets reached RMB 759.88 billion, an increase of 10.98% compared to RMB 684.71 billion in 2022[21]. - The bank's total customer loans and advances amounted to RMB 392.93 billion, reflecting an 11.45% growth from RMB 352.57 billion in the previous year[21]. - The bank's total customer deposits totaled RMB 414.81 billion, an increase of 8.42% from RMB 382.59 billion in 2022[21]. Risk Management - The non-performing loan ratio stood at 1.34%, with a provision coverage ratio of 234.18%[8]. - The company has strengthened its credit risk management and asset quality, with a focus on key industries such as new energy vehicles and green development[88]. - The company has implemented dynamic adjustments to its credit strategy based on national macro policies and market changes, enhancing risk prevention measures[88]. - The total loan loss provisions increased to RMB 12.139 billion, up RMB 2.012 billion from the previous year, with a non-performing loan coverage ratio of 234.18%, an increase of 22.99 percentage points[102]. - The overdue loans aged within 90 days were RMB 3.243 billion, representing 0.83% of the total loans, while overdue loans aged over 90 days accounted for RMB 4.380 billion, with a total overdue loan ratio of 1.95%[97]. Governance and Compliance - The board meeting confirmed that all financial reports are accurate and complete, with no material omissions[6]. - The bank's governance structure and compliance with regulations were confirmed during the board meeting[6]. - The board consists of 14 directors, including 2 women and 7 with extensive banking experience, reflecting a diverse composition[175]. - The board has established a communication and reporting mechanism with senior management, ensuring regular updates from the president[177]. - The company emphasizes the importance of governance and compliance with corporate governance codes during the reporting period[176]. Strategic Development - The company aims to become a leading listed commercial bank with a focus on serving the real economy, small and micro enterprises, and urban and rural residents[15]. - The company is implementing a "1-3-3" strategic development framework to enhance service, digital transformation, and distinctive development[15]. - The company plans to expand its product matrix to meet the needs of the "One City, Three Provinces" market, focusing on small and micro loans[17]. - The company is enhancing its personal loan offerings, including mortgage loans and consumer loans, to stabilize its market position[17]. - The company aims to strengthen its risk management and enhance its overall value through a focus on technology, talent, and management empowerment[16]. Digital Transformation - The company’s digital transformation and technology-driven initiatives have led to significant advancements in its product offerings and service capabilities[8]. - The company achieved the "External Data Management Capability Maturity Level (Level 3)" certification from the China Academy of Information and Communications Technology in August 2023[14]. - The bank is committed to digital transformation in personal banking, enhancing customer engagement through various marketing activities and payment ecosystems[114]. - The bank has established a digital certificate platform and applied OCR+RPA technology to automate and streamline business processes, significantly enhancing service capabilities and operational efficiency[127]. - The bank's mobile banking personal customers reached 2.1744 million, an increase of 399,700 from the end of the previous year; total transactions amounted to 9.9783 million, up by 2.3049 million year-on-year[125]. Community and Environmental Responsibility - The report outlines the bank's commitment to environmental and social responsibilities[6]. - The company was awarded the "Advanced Unit" in the evaluation of financial services for rural revitalization by the Chongqing Banking and Insurance Regulatory Bureau[13]. - The company provided credit support exceeding CNY 130 billion to key strategic areas and important industries during the reporting period[8]. - The company launched new financial products such as "流水贷" and "渝贸贷" to enhance accessibility and coverage of inclusive finance[112]. - The company donated 1.5 million yuan to both Southwest University and Chongqing University[180].

Financial Performance - The net profit for the year 2023 is CNY 4.699 billion, with a proposed cash dividend of CNY 0.408 per share[6]. - Net profit for 2023 was CNY 5.229 billion, reflecting a year-on-year growth of 2.20%[53]. - Net profit attributable to shareholders was RMB 4,929,787 thousand, representing a 1.27% increase from RMB 4,867,857 thousand in 2022[41]. - The bank's total liabilities amounted to RMB 700,584,443 thousand, an increase of 10.64% from RMB 633,217,086 thousand in 2022[42]. - The total equity of the group was RMB 59.30 billion, an increase of RMB 7.80 billion, representing a growth of 15.15% year-on-year[106]. - The average return on total assets decreased to 0.72% from 0.78% in 2022, while the weighted average return on equity slightly declined to 10.14%[43]. - The bank's operating income for 2023 was CNY 12.846 billion, with net interest income at CNY 10.447 billion, a decrease of 3.34% year-on-year[55]. - The total amount of customer loans and advances was RMB 392.93 billion, an increase of RMB 40.36 billion or 11.45% year-on-year[88]. Asset and Liability Management - As of December 31, 2023, the total assets of the Bank of Chongqing amounted to CNY 759.884 billion, with total deposits of CNY 414.813 billion and total loans of CNY 392.935 billion[28]. - The bank's total capital net amount reached RMB 69,708,993 thousand, reflecting a 14.22% increase from RMB 61,032,503 thousand in 2022[42]. - The capital adequacy ratio stood at 13.37%, with core Tier 1 capital ratio at 9.78%, both showing an increase from the previous year[54]. - The total amount of impaired financial assets was RMB 1,389.09 million, an increase from RMB 786.45 million, indicating a rise in credit risk[93]. - The total amount of high-quality liquid assets as of December 31, 2023, was RMB 132.62 billion, up from RMB 103.02 billion in 2022[174]. Risk Management - The bank emphasizes a risk management framework that covers various types of risks, ensuring that returns are aligned with the risks undertaken, thereby maximizing shareholder value[159]. - The bank's credit risk management focuses on supporting the real economy while optimizing the credit structure, particularly in modern manufacturing, green finance, and rural revitalization[160]. - The bank has implemented a dynamic management approach for non-performing assets, exploring new methods to enhance recovery efficiency and asset value[161]. - The provision for loan losses increased to RMB 12.14 billion, up RMB 2.01 billion from the previous year, with a non-performing loan coverage ratio of 234.18%[126]. - The company emphasizes the importance of risk management, enhancing its capabilities through a structured risk management framework and leveraging technology for better monitoring[40]. Digital Transformation and Innovation - The company has initiated 45 key digital transformation projects to enhance service innovation and operational efficiency[48]. - The bank's digital transformation investment grew by 21%, enhancing data management and technological capabilities[50]. - The digital credit product system launched 4 brands and 16 main products, with a cumulative issuance of 46.44 billion RMB and a remaining balance of 13.65 billion RMB[148]. - The company is focusing on digital transformation and has implemented a comprehensive online operation for deposit products, enhancing market expansion and business marketing capabilities[135]. - The company is enhancing its technology capabilities by optimizing digital tools to improve customer acquisition and management processes[195]. Strategic Vision and Goals - The bank's strategic vision focuses on becoming a first-class commercial bank with a commitment to local economic service and digital transformation[28]. - The company aims to stabilize asset quality, financial management, and operational safety in 2024[193]. - The company plans to enhance financial services in line with major national strategies, including the Chengdu-Chongqing economic circle[194]. - The company will focus on increasing credit asset ratios and expanding retail, inclusive finance, and green loan businesses[194]. - The company intends to optimize loan pricing and improve the efficiency of credit processes through automation and digitalization[194]. Awards and Recognition - The bank has been recognized for four consecutive years as a pioneer in financial technology innovation by the People's Bank of China[28]. - The company won several awards at the 2023 Third China Asset Management and Wealth Management Industry Golden Reputation Awards, including "Outstanding Asset Management City Commercial Bank" and "Outstanding Innovation Asset Management Bank" in June 2023[33]. - The company received the "2023 Annual Green Finance Innovation Case" by The Banker magazine in October 2023[34]. - The company has been recognized as a "Leader" in enterprise standards for the fourth consecutive year by multiple regulatory bodies in March 2023[33]. - The company received the "Pioneer 100 Index (2023)" award for its ESG efforts from the State-owned Assets Supervision and Administration Commission in December 2023[34]. Governance and Compliance - The company has fully complied with the corporate governance code as per the Hong Kong Stock Exchange regulations during the reporting period[196]. - The compliance management framework has been strengthened, with initiatives such as the "Compliance System Construction Strengthening Year" to enhance compliance capabilities and ensure adherence to regulations[179]. - The group has established a balanced mechanism between capital occupation and risk assets to ensure sustained compliance with capital adequacy ratios[182]. - The company is committed to high-level corporate governance, adhering to relevant laws and regulations, and continuously optimizing its governance structure[196]. - The company has established a transparent governance framework to protect shareholder rights and enhance corporate value[196].

重庆银行股份有限公司 2023 年度独立董事述职报告 （刘星） 2023 年，本人作为重庆银行股份有限公司（以下简称"公司"）独立董事， 严格按照《中华人民共和国公司法》《银行保险机构公司治理准则》《上市公司独 立董事管理办法》《上海证券交易所股票上市规则》《香港联合交易所有限公司证 券上市规则》等有关法律、法规、规范性文件以及《重庆银行股份有限公司章程》 （以下简称"《公司章程》"）的要求，恪守诚信原则，发挥自身专业优势，忠实、 勤勉、专业、高效地履行职责和义务，切实维护公司和公司全体股东的合法权益。 现将本人 2023 年度履职情况报告如下： 一、个人基本情况 重庆银行股份有限公司 2023 年度独立董事述职报告 2023 年 3 月 27 日 本人现任重庆大学经济与工商管理学院教授、博士研究生导师、重庆大学财 务与会计研究中心主任、国家社会科学基金学科评审组专家、国家自然科学基金 学科评审组专家、中国会计学会对外学术交流委员会副主任。曾任重庆大学经济 与工商管理学院会计学系主任，重庆大学经济与工商管理学院院长，重庆大学－ 沃顿联合金融研究中心中方主任，中国会计学会教育分会会长，国务院学位委员 会第七届工 ...

可转债代码：113056 可转债简称：重银转债 重庆银行股份有限公司董事会 关于独立董事独立性情况的专项意见 根据《上市公司独立董事管理办法》《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》相关规定，重庆银行股 份有限公司（以下简称"本行"）独立董事对自身独立性情况进行了自查并向本 行董事会提交了独立性自查报告，本行董事会对独立董事独立性情况进行了评估。 一、独立董事独立性自查情况 公司代码：601963 公司简称：重庆银行 截至 2023 年 12 月 31 日，本行在任独立董事 5 人，分别为刘星博士、王荣 先生、冯敦孝博士、袁小彬先生和朱燕建博士。根据独立性自查报告内容，各位 独立董事均确认并承诺于 2023 年度内不存在《上市公司独立董事管理办法》《上 海证券交易所上市公司自律监管指引第 1 号——规范运作》等法规规定的不满足 独立性的情形，能够充分、独立履行职责。 二、董事会对独立董事独立性情况的评估意见 经核查各位独立董事的任职经历及其提交的独立性自查报告，本行董事会认 为各位独立董事于 2023 年度内未在本行担任除独立董事以外的任何职务，与本 行及本 ...

证券代码：601963 证券简称：重庆银行 公告编号：2024-016 可转债代码：113056 可转债简称：重银转债 重庆银行股份有限公司 关于续聘会计师事务所的公告 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法律责任。 重要内容提示： 拟续聘的会计师事务所名称：安永华明会计师事务所（特殊普通合伙）（以 下简称"安永华明"）和安永会计师事务所（以下简称"安永香港"） 重庆银行股份有限公司（以下简称"本行"或"公司"）于 2024 年 3 月 27 日召开第六届董事会第八十七次会议，审议通过了《关于 2024 年度外部审计机 构的聘请及报酬的议案》，同意继续聘用安永华明、安永香港，分别为本行提供 国内、国际审计服务。具体情况如下： 一、拟续聘会计师事务所的基本情况 （一）机构信息 1. 安永华明 （1）基本信息 安永华明于 1992 年 9 月成立，2012 年 8 月完成本土化转制，从一家中外合 作的有限责任制事务所转制为特殊普通合伙制事务所。安永华明总部设在北京， 注册地址为北京市东城区东长安街 1 号东方广场安永大楼 17 层 ...

根据《中华人民共和国公司法》《上市公司独立董事管理办法》等法律法规 及《重庆银行股份有限公司章程》（以下简称"《公司章程》"）的有关规定， 我们作为重庆银行股份有限公司（以下简称"公司"）的独立董事，本着公开、 公正、客观的原则，对公司第六届董事会第八十七次会议相关事项发表独立意见 如下： 重庆银行股份有限公司独立董事 对第六届董事会第八十七次会议相关事项的独立意见 二、关于 2023 年度利润分配方案的独立意见 公司 2023 年度利润分配方案符合中国证券监督管理委员会 《关于进一步落 实上市公司现金分红有关事项的通知》《上市公司监管指引第 3 号—上市公司现 金分红》以及《上海证券交易所上市公司自律监管指引第 1 号—规范运作》等法 律、法规和规范性文件及《公司章程》的要求，符合公司实际情况，不存在损害 公司及全体股东特别是中小股东利益的情形，我们同意在相关方案经董事会审议 批准后提交至公司股东大会审议。 三、关于 2023 年度内部控制评价报告的独立意见 四、关于 2024 年度日常关联交易预计额度的独立意见 一、关于续聘会计师事务所的独立意见 公司预计的 2024 年度日常关联交易事项属于银行正常经营 ...

证券代码：601963 证券简称：重庆银行 公告编号：2024-014 可转债代码：113056 可转债简称：重银转债 重庆银行股份有限公司 第六届董事会第八十七次会议决议公告 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法律责任。 重庆银行股份有限公司（以下简称"本行"）于 2024 年 3 月 14 日发出第六 届董事会第八十七次会议通知，会议于 3 月 27 日以现场会议方式在本行总行 27 楼三会议室召开。会议由杨秀明董事长主持，应参会董事 14 名，实际参会董事 14 名，本行监事、高级管理人员列席了会议。会议的召开符合法律法规及《重 庆银行股份有限公司章程》的有关规定。 会议审议通过了以下议案： 一、关于《2023 年度财务报表及附注》的议案 议案表决情况：有效表决票 14 票，同意 14 票，反对 0 票，弃权 0 票。 本行董事会审计委员会已审议通过本议案，并同意提交董事会审议。 二、关于《2023 年度财务决算报告》的议案 议案表决情况：有效表决票 14 票，同意 14 票，反对 0 票，弃权 0 票。 本行董事会审计 ...

重庆银行股份有限公司 内部控制审计报告 2023年12月31日 内部控制审计报告 安永华明（2024）专字第70023001_B01号 重庆银行股份有限公司 重庆银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计 了重庆银行股份有限公司（以下简称"重庆银行"）2023年12月31日的财务报告内部控 制的有效性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指 引》的规定，建立健全和有效实施内部控制，并评价其有效性是重庆银行董事会的责任。 二、注册会计师的责任 我们的责任是在实施审计工作的基础上，对财务报告内部控制的有效性发表审计意 见，并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、内部控制的固有局限性 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。 四、财务报告内部控制审计意见 我们认为，重庆银行于2023年12月31日按照《企业内部控制基本规 ...