Investment Rating - The investment rating for Chongqing Bank is "Buy (Maintain)" [3] Core Views - Chongqing Bank's performance shows improvement in deposit costs and asset quality, with a notable increase in revenue and net profit for the first half of 2024 [1][8] - The bank is expected to benefit from the development opportunities brought by the Chengdu-Chongqing economic circle, with a stable growth outlook for net profit in the coming years [8] Summary by Sections Financial Performance - In H1 2024, Chongqing Bank achieved revenue of 7.16 billion yuan, a year-on-year increase of 2.6%, and a net profit attributable to shareholders of 3.03 billion yuan, up 4.1% year-on-year [1] - The net interest income decreased by 3.0% year-on-year, with a net interest margin of 1.42%, down 10 basis points from 2023 [1] - Non-interest income from fees and commissions surged by 160% year-on-year, primarily driven by growth in wealth management fees and agency wealth management business [2] Asset Quality - As of June 2024, the non-performing loan (NPL) ratio was 1.25%, down 8 basis points from March 2024, with a provision coverage ratio of 250%, up 16 percentage points [2] - The bank's corporate NPL ratio decreased to 0.99%, while the personal NPL ratio increased to 2.44% [2] Asset and Liability Management - Total assets reached 806 billion yuan, growing by 6.1% year-to-date, with total loans amounting to 417 billion yuan, up 6.9% [8] - Total deposits were 450 billion yuan, an increase of 8.5% year-to-date, primarily driven by personal time deposits [8] Investment Outlook - The bank's net profit is projected to reach 5.13 billion yuan in 2024, with a growth rate of 4.0%, and is expected to continue growing in the following years [8] - The current price-to-book (PB) ratio is 0.42x, indicating potential for valuation recovery [8]

证券代码：601963 证券简称：重庆银行 公告编号：2024-050 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 第六届董事会第九十五次会议决议公告 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 8 月 14 日以电子邮 件方式发出第六届董事会第九十五次会议通知，会议于 8 月 30 日以现场会议方 式在本行总行 27 楼三会议室召开。会议由执行董事、行长高嵩主持，应参会董 事 14 名，实际亲自参会董事 12 名，杨秀明董事长委托高嵩董事出席会议并代为 行使表决权，尤莉莉董事委托高嵩董事出席会议并代为行使表决权，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《2024 年中期财务报表及审阅报告》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。 本行董事会审计委员会已审议通过本议案，并同意提交董事会审议。 议案表 ...

Financial Performance - Interest income for the first half of 2024 reached RMB 14,401,847 thousand, a 2.25% increase from RMB 14,085,252 thousand in the same period of 2023[12] - Net profit for the first half of 2024 was RMB 3,210,267 thousand, reflecting a 5.17% increase compared to RMB 3,052,330 thousand in the first half of 2023[12] - The bank's operating profit for the first half of 2024 was RMB 3,702,296 thousand, an 8.08% increase from RMB 3,425,453 thousand in the first half of 2023[12] - The net profit for the first half of 2024 was RMB 3.210 billion, representing a 5.17% increase compared to the same period last year[21] - The pre-tax profit for the first half of 2024 was RMB 3.701 billion, reflecting an increase of RMB 274.040 million or 8.00% compared to the same period last year[22] - The company's net interest margin decreased to 1.27% in the first half of 2024 from 1.51% in the same period of 2023[14] - The bank's basic earnings per share for the first half of 2024 was RMB 0.87, a 3.57% increase from RMB 0.84 in the first half of 2023[12] Asset and Liability Management - As of June 30, 2024, the total assets of Bank of Chongqing amounted to RMB 805.968 billion, with total deposits of RMB 450 billion and total loans of RMB 419.897 billion[8] - The total liabilities as of June 30, 2024, were RMB 744,141,290 thousand, a 6.22% increase from RMB 700,584,443 thousand at the end of 2023[13] - The total equity of the group as of June 30, 2024, was RMB 61.827 billion, an increase of RMB 2.527 billion or 4.26% compared to the end of 2023[70] - The core tier 1 capital net amount was RMB 52,832,793 thousand, a 3.59% increase from RMB 51,003,470 thousand at the end of 2023[13] - The liquidity ratio was reported at 170.07%, indicating a strong liquidity position[20] - The bank's total liabilities accounted for 100% of its total assets, maintaining a stable financial structure[69] Loan and Deposit Growth - The bank's "Two Increases" loans grew by over RMB 10 billion compared to the end of the previous year, while agricultural loans increased by 41.81%[8] - The balance of "Jie e Loan" increased by 39.04% compared to the end of the previous year, highlighting the bank's focus on inclusive finance[8] - Customer loans and advances totaled RMB 419,896,747 thousand, up 6.86% from RMB 392,934,966 thousand at the end of 2023[13] - The customer deposit total reached RMB 450 billion, marking an 8.48% increase from the previous year[20] - Personal deposits amounted to RMB 231.868 billion, up RMB 30.904 billion or 15.38%, accounting for 51.53% of total customer deposits[68] Non-Performing Loans and Risk Management - The non-performing loan ratio stands at 1.25%, with a provision coverage ratio of 249.59%[8] - The non-performing loan ratio improved to 1.25%, down by 0.09 percentage points from the end of the previous year[20] - The total loan loss provisions stood at RMB 12.988 billion as of June 30, 2024, an increase of RMB 0.849 billion compared to the end of the previous year, with a non-performing loan coverage ratio of 249.59%, up by 15.41 percentage points[91] - The bank's retail loan non-performing loan ratio was 2.44%, an increase of 0.46 percentage points compared to the end of 2023[75] - The bank's total overdue loans aged over 90 days amounted to RMB 2.524 billion, accounting for 0.61% of total loans as of June 30, 2024[86] Strategic Initiatives and Innovations - The bank has provided credit support exceeding RMB 100 billion to key strategic areas, including the Chengdu-Chongqing economic circle and the western land-sea new corridor[8] - The company aims to maintain the growth rate of small and micro loans not lower than the overall loan growth rate, enhancing financial support for small enterprises[100] - The company has introduced innovative products such as "Smart Integration Technology Transformation Loan" and "Smart Investment Loan" to support the manufacturing sector[98] - The bank's digital transformation strategy includes 65 key projects for 2024, aimed at enhancing operational efficiency and customer experience[109] - The bank's focus on technology innovation has led to the development of a digital due diligence tool, enhancing efficiency in public credit investigations[109] Regulatory Compliance and Governance - The company commits that the prospectus for the initial public offering (IPO) of A-shares does not contain false records, misleading statements, or significant omissions, and assumes legal responsibility for its accuracy and completeness[155] - The company will comply with all relevant laws and regulations regarding stock repurchase and stabilization measures[163] - The bank's compliance risk management framework was strengthened to adapt to ongoing regulatory changes, ensuring adherence to legal and regulatory standards[133] - The bank's anti-money laundering system was upgraded, enhancing operational efficiency and compliance with regulatory obligations[134] Market and Economic Environment - In the first half of 2024, China's GDP reached 61.7 trillion yuan, growing by 5.0% year-on-year[143] - Chongqing's GDP grew by 6.1% in the first half of 2024, outperforming the national average by 1.1 percentage points[144] - The external environment remains unstable and uncertain, but the long-term positive development trend of the economy is expected to continue[143] - The financial regulatory environment is strengthening, focusing on risk prevention and ensuring the stability and efficiency of the financial system[143]

证券代码：601963 证券简称：重庆银行 公告编号：2024-051 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 关于召开 2024 年半年度业绩说明会的公告 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： 为便于广大投资者全面深入了解重庆银行股份有限公司（以下简称"本行"） 经营成果、财务状况，本行计划于 2024 年 9 月 9 日上午 10:00-11:30 举行业绩说 明会，就投资者普遍关心的问题进行交流。 一、业绩说明会类型 （三）会议召开方式：视频直播和网络互动 三、参加人员 董事长杨秀明先生、行长高嵩先生、拟任副行长兼董事会秘书侯曦蒙女士、 拟任副行长李聪先生，以及相关部门负责人。 本次业绩说明会以视频直播结合网络互动方式召开，本行将针对 2024 年上 半年经营成果及财务指标的具体情况与投资者进行互动交流和沟通，在信息披露 允许的范围内就投资者普遍关注的问题进行回答。 二、业绩说明会召开的时间、地点 （一）会议召开时间：2024 年 9 月 9 日（星期一）上午 10: ...

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。 经中国人民银行批准，重庆银行股份有限公司（以下简称"本行"）2024 年 二级资本债券（第一期）（以下简称"本期债券"）于 2024 年 8 月 20 日簿记建档， 2024 年 8 月 22 日发行完毕。本期债券为 10 年期固定利率债券，在第 5 年末附 有条件的发行人赎回权，发行规模为人民币 60 亿元，票面利率为 2.23%。 本期债券发行所募集的资金在扣除发行费用后，将依据适用法律和监管部门 的批准，全部用于补充本行二级资本，支持各项业务持续稳健发展。 证券代码：601963 证券简称：重庆银行 公告编号：2024-049 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 关于二级资本债券发行完毕的公告 1 特此公告。 重庆银行股份有限公司董事会 2024 年 8 月 24 日 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 BANK OF CHONGQING CO., LTD. * * 1963 中國重慶，2024年8月20日 於本公告刊發日期，本行的執行董事為楊秀明先生、高嵩先生、劉建華先生及黃華盛先 生；本行的非執行董事為黃漢興先生、郭喜樂先生、周強先生、吳珩先生及尤莉莉女 士；及本行的獨立非執行董事為劉星博士、王榮先生、馮敦孝博士、袁小彬先生及朱燕 建博士。 * 本行經中國銀行業監督管理機構批准持有B0206H250000001號金融許可證，並經重慶市市 場監督管理局核准領取統一社會信用代碼為91500000202869177Y的企業法人營業執照。本 行根據香港銀行業條例（香港法例第155章）並非一家認可機構，並非受限於香港金融管理局 的監督，及不獲授權在香港經營銀行及╱或接受存款業務。 董事會會議召開日期 重慶銀行股份有限公司*（「本行」）董事會（「董事會」）茲通告謹定於2024年8月30日（星期 五）舉行董事會會 ...

证券代码：601963 证券简称：重庆银行 重庆银行股份有限公司投资者关系活动记录表 编号：2024-7 | --- | --- | --- | --- | --- | |----------|--------------|-------------|-----------|-------------| | | 特定对象调研 | 现场参观 | □媒体采访 | □分析师会议 | | 活动类别 | □业绩说明会 | □新闻发布会 | □路演活动 | 电话会议 | 参与单位 中泰证券、中山证券、西南证券、招商基金、招商资管、国投证券、永赢基金、 创金合信、国寿养老、中信资管、泰康基金、鹏华基金、海通资管、华创证券、 富国基金、银河基金、大成基金、苏银理财 活动时间 2024年7月 活动地点 重庆银行总行会议室 本行参会人员 董事会办公室、资产负债管理部、风险管理部、公司银行部、个人银行部、资 产管理部、金融市场部等部室负责人 一、对公信贷投放和储备情况 今年以来，我行围绕"三稳""三进""三优化""三强化""三提升" 目标，强化对公信贷投放，一季度我行对公信贷表现良好，二季度延续一季度 的投放节奏，按照"早投放早收 ...

I. 法定/註冊股本變動 FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2024年7月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 重慶銀行股份有限公司 呈交日期: 2024年8月6日 | 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 (如上市) | 01963 | 說明 | H股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 1,579,020,812 | RMB | | 1 RMB | | 1,579,020,812 | | 增加 / 減少 (-) | | | | | | RMB | | | | 本月底結存 | | | 1,579,020,812 | RMB | | 1 RMB | | 1,579,020,812 | | 2. 股份分類 | 普通股 | 股份類 ...

证券代码：601963 证券简称：重庆银行 公告编号：2024-047 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 第六届董事会第九十四次会议决议公告 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 7 月 25 日发出第六 届董事会第九十四次会议通知，会议于 7 月 31 日以现场（视频）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、关于聘任李聪先生为重庆银行股份有限公司副行长的议案 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。 本行董事会提名委员会已审议通过本议案，并同意提交董事会审议。 独立董事对本议案发表了同意的独立意见。 本行董事会同意聘任李聪先生为本行副行长，其任职资格需报国家金融监督 管理总局重庆监 ...

重庆银行股份有限公司独立董事 对第六届董事会第九十四次会议相关事项的独立意见 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九十四次会议相关事项发表独立意见如下： 关于聘任李聪先生为重庆银行股份有限公司副行长的议案 本次副行长人选李聪先生的提名、审议程序均符合法律法规及《公司章程》 的相关规定，不存在损害公司及中小股东利益的情况。经审阅李聪先生的履历和 相关资料，了解其职业、工作经历等情况，我们认为李聪先生具备法律法规和《公 司章程》规定的高级管理人员任职资格及工作经验，未发现其存在《公司法》以 及其他法律法规和《公司章程》规定不得担任公司高级管理人员的情形。同意聘 任李聪先生为公司副行长，并同意在其经董事会审议通过后报国家金融监督管理 总局重庆监管局进行任职资格核准。 重庆银行股份有限公司独立董事 刘星、王荣、冯敦孝、袁小彬、朱燕建 2024 年 7 月 31 日 ...