重庆银行手机银行、网上银行、自助设备等渠道7*24小时为您提供服务。请您根据自身的业务需要，提 前做好安排。如有疑问，请致电重庆银行客服热线电话。 2025年9月5日，重庆银行（601963）发布公告称，您好！非常感谢您长期对重庆银行的支持和信任。根 据重庆市银行业协会《关于进一步促进基层营业网点转型发展提升文明规范服务质效的通知》（渝银协 【2025】8号）工作要求，重庆银行将于2025年9月15日起，调整重庆银行部分营业网点对外营业时间。 ...

Core Viewpoint - The A-share market experienced a widespread decline in bank stocks, with several major banks seeing significant drops in their share prices [1][2]. Group 1: Stock Performance - Postal Savings Bank of China saw a decrease of 2.03%, with a total market capitalization of 751.8 billion [2]. - CITIC Bank's shares fell by 2.00%, with a market value of 437.4 billion [2]. - Bank of China experienced a decline of 1.60%, with a market capitalization of 1.7818 trillion [2]. - Agricultural Bank of China dropped by 1.46%, holding a market value of 2.5934 trillion [2]. - Other banks such as Everbright Bank, Construction Bank, and Shanghai Pudong Development Bank also reported declines of over 1% [1]. Group 2: Year-to-Date Performance - Agricultural Bank of China has the highest year-to-date increase at 45.00% [2]. - Postal Savings Bank of China and CITIC Bank have year-to-date increases of 15.63% and 14.78%, respectively [2]. - Shanghai Pudong Development Bank has a notable year-to-date increase of 36.48% despite the recent decline [2].

稳坐"宝座" 成都银行，西南唯一资产超万亿城商行 制图:朱林(豆包AI生成) 随着重庆银行与成都银行相继披露2025年半年度报告，西南地区两家头部城商行的经营表现再度聚焦市 场目光，同时引发市场对"西南之王"称号的新一轮讨论。 透过两份半年报不难发现，2025年上半年，两家银行在资产规模、营收利润、业务布局及风险管控四大 核心维度呈现差异化发展态势:成都银行凭借更大的资产与盈利体量暂居优势，重庆银行则以迅猛的规 模扩张、亮眼的营收增速展现强劲追赶势头。 "重对公、轻零售"特征明显 资产规模是衡量银行实力的重要基础。2025年上半年，两家银行均实现稳健扩张，但梯队差距明显。半 年报显示，截至2025年6月末，成都银行总资产达1.37万亿元，较上年末增长9.77%，继续稳坐西南地区 资产规模最大城商行的宝座；重庆银行资产总额为9833.65亿元，较上年末增加1267.23亿元，增幅 14.79%，距离万亿大关一步之遥，增长势头迅猛。 Wind数据显示，截至2025年一季度末，17家A股上市城商行中，总资产超过万亿元的有8家。其中，成 都银行是唯一资产规模超万亿元的西南地区城商行。 营收利润 两家均盈利，中间业务转 ...

Group 1: Overall Asset Quality - As of August 31, 2023, the asset quality of 42 listed banks in A-shares shows a stable improvement, with some banks experiencing a slight increase in non-performing loan (NPL) ratios compared to the end of the previous year [1] - The overall NPL ratio for commercial banks was 1.49% at the end of Q2 2023, improving by 0.02 percentage points from the end of Q1 [3] - The provision coverage ratio for state-owned banks and rural commercial banks increased to 249.16% and 161.87%, respectively, while the ratios for joint-stock banks and city commercial banks decreased [4] Group 2: Non-Performing Loan Trends - The NPL ratio for corporate loans is improving, while the NPL ratio for retail loans is on the rise, indicating a structural change in asset quality [5][6] - For example, Industrial and Commercial Bank of China (ICBC) reported a decrease in corporate loan NPL ratio from 1.58% to 1.47%, while the personal loan NPL ratio increased from 1.15% to 1.35% [5] - The rise in retail loan NPLs is attributed to factors such as market conditions, increased flexible employment, and changes in industry environments affecting borrower income [6] Group 3: Real Estate Loan Performance - The real estate sector remains a significant source of NPLs, with some banks reporting an increase in real estate loan NPL ratios, while others have seen improvements [7][8] - For instance, Qingnong Commercial Bank's real estate NPL ratio rose to 21.32%, an increase of 14.15 percentage points from the end of the previous year [7] - The overall decline in real estate sales and the high leverage of real estate companies are fundamental reasons for the rising NPL ratios in this sector [8]

9月4日，据重庆银行披露，该行发行的长江·聚惠公募净值型点金产品2025年第10期募集期为2025年9月 4日到2025年9月11日。计划发行量5亿元，投资者认购起点金额为1万元。产品类型为固定收益类，风险 评级为中低风险，期限为739天，业绩比较基准为2.25%～3.05%（年化）。 以上理财产品信息仅供参考，具体应以《产品说明书》等销售文件为准。本文不构成任何投资建议，投 资者据此操作，风险自担。 （重庆银行） 注：业绩比较基准不是预期收益率，不代表产品的未来表现和实际收益，不构成对产品收益的承诺。 ...

Group 1 - The city commercial bank sector saw a slight increase of 0.14% on September 4, with Qingdao Bank leading the gains [1] - The Shanghai Composite Index closed at 3765.88, down 1.25%, while the Shenzhen Component Index closed at 12118.7, down 2.83% [1] - Key stocks in the city commercial bank sector showed varied performance, with Qingdao Bank closing at 5.26, up 0.96%, and Xiamen Bank at 6.56, up 0.77% [1] Group 2 - The city commercial bank sector experienced a net inflow of 1.04 billion yuan from institutional investors, while retail investors contributed a net inflow of 1.27 billion yuan [2] - The sector saw a net outflow of 2.31 billion yuan from speculative funds [2] - Individual stock performance varied, with Beijing Bank showing a net inflow of 1.52 million yuan from institutional investors, while Xiamen Bank had a net outflow of 730.79 million yuan [3]

Investment Rating - The report indicates a positive outlook for the banking industry, with overall revenue and net profit growth rates turning positive in the first half of 2025, at 1.0% and 0.8% respectively, showing improvements from the previous quarter [4]. Core Insights - The banking sector's net interest margin for the first half of 2025 is reported at 1.42%, a decrease of 10 basis points compared to the previous year, but the decline is narrowing due to improved cost management on the liability side [5]. - Non-interest income, particularly from fees and commissions, has increased by 3.1% year-on-year, driven by a recovery in wealth management and a more active market environment [5]. - The asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 239%, indicating a solid credit environment [5]. Summary by Sections Financial Performance Overview - The overall revenue and net profit growth for listed banks in the first half of 2025 were 1.0% and 0.8%, respectively, with both metrics showing improvement from the first quarter [4][22]. - The total assets of listed banks reached 321.3 trillion yuan, growing by 6.35% year-to-date, with loans and advances totaling 179.4 trillion yuan, accounting for 55.84% of total assets [21][24]. Income Sources - Net interest income decreased by 1.3% year-on-year, but the decline rate has slowed, reflecting better management of funding costs [5]. - Fee and commission income grew by 3.1% year-on-year, benefiting from a recovering market and the gradual impact of regulatory changes [5]. - Other non-interest income saw a significant increase of 10.7%, primarily due to favorable market conditions in the bond market [5]. Asset Quality and Management - The non-performing loan ratio remained stable at 1.23%, with a provision coverage ratio of 239%, indicating a robust asset quality [5]. - The credit cost for the first half of 2025 was 0.81%, a decrease of 5 basis points year-on-year, suggesting manageable credit risks [5]. Loan Growth and Composition - Loan growth was primarily driven by corporate lending, with significant contributions from infrastructure and manufacturing sectors [20]. - Personal loan growth was weaker, with a year-on-year increase of only 3.6%, reflecting a cautious approach to consumer lending amid rising risks [20]. Investment and Market Conditions - The investment asset proportion decreased to 34% as banks adjusted their strategies in response to market volatility [20]. - The overall yield on bonds fluctuated significantly, prompting banks to engage in tactical trading to enhance returns [20].

Core Insights - The competitive landscape of retail banking in A-shares is becoming clearer as the 2025 mid-year reports are disclosed, revealing a distinct tiered structure in retail AUM (Assets Under Management) [1][2] - The first tier consists of major state-owned banks and China Merchants Bank, all exceeding 16 trillion yuan in retail AUM, while the second tier includes joint-stock banks and some leading city commercial banks [1][2] - The retail business performance is mixed, with many banks facing pressure on retail revenue and net profit, highlighting a structural issue of profit growth without revenue increase [1][6] Tiered Structure of Retail AUM - The first tier banks, including Industrial and Commercial Bank of China (ICBC) and Agricultural Bank of China (ABC), lead with AUM exceeding 16 trillion yuan, with ICBC at over 24 trillion yuan and ABC at 23.68 trillion yuan [2][3] - China Construction Bank (CCB) and Postal Savings Bank of China also show strong performance, with CCB managing over 22 trillion yuan and Postal Savings Bank at 17.67 trillion yuan [2] - China Merchants Bank, known as the "king of retail," has a retail AUM of 16.03 trillion yuan, reflecting a 7.39% increase from the previous year [2] Second Tier Performance - The second tier banks have retail AUM ranging from 1 trillion to 6 trillion yuan, with notable growth from banks like Bank of Communications at 5.79 trillion yuan and Industrial Bank at 5.52 trillion yuan [3] - Joint-stock banks are active in this tier, with CITIC Bank and Shanghai Pudong Development Bank also showing significant growth in retail AUM [3] Third Tier Characteristics - The third tier banks have retail AUM mostly below 1 trillion yuan, with Nanjing Bank and Shanghai Rural Commercial Bank showing notable growth rates of 14.25% and 3.99% respectively [4] - Regional banks are leveraging local advantages to deepen market penetration, but face challenges in competing with larger banks [5] Retail Profitability Challenges - The retail banking sector is undergoing significant adjustments, with a shift in customer demand towards diversified financial solutions, which raises the bar for product innovation and service customization [6] - Leading banks like ICBC and China Merchants Bank are showing resilience, with ICBC's net profit rising by 46.05% despite a slight revenue decline [6][7] - However, some banks, including ABC and Ping An Bank, are experiencing declines in both revenue and net profit, indicating a challenging environment [7] Asset Quality Concerns - The retail banking sector is facing challenges in asset quality, particularly in personal loans, with rising non-performing loan (NPL) ratios reported by several banks [9][10] - For instance, China Merchants Bank's retail loan NPL ratio increased to 1.04%, while Chongqing Rural Commercial Bank's rose to 2.04% [9] - Some banks, like Ping An Bank and Industrial Bank, have managed to improve their asset quality through refined risk management practices [10] Strategic Recommendations - Analysts suggest that banks, especially smaller ones, should focus on enhancing their support for small and micro enterprises and optimizing financial resource allocation to uncover new growth points [8] - There is a call for banks to improve their digital capabilities and customer experience to better compete with larger institutions [8]

证券时报·数据宝统计显示，重庆银行今日收盘价为9.68元，下跌1.73%，日换手率为0.61%，成交额为 1.11亿元，全天主力资金净流出1416.82万元，近5日该股累计下跌1.73%，近5日资金合计净流入1019.03 万元。（数据宝） 9月3日重庆银行大宗交易一览 | 成交量 | 成交金额 | 成交价 | 相对当日收盘 | 买方营业部 | 卖方营业部 | | --- | --- | --- | --- | --- | --- | | （万 | （万元） | 格 | 折溢价（%） | | | | 股） | | （元） | | | | | 5200.00 | 55640.00 | 10.70 | 10.54 | 招商证券股份有限公司重 | 国泰海通证券股份有限公 | | | | | | 庆金沙门路证券营业部 | 司重庆朝天门证券营业部 | | | | | 注：本文系新闻报道，不构成投资建议，股市有风险，投资需谨慎。 | | | （文章来源：证券时报网） 重庆银行9月3日大宗交易平台出现一笔成交，成交量5200.00万股，成交金额5.56亿元，大宗交易成交价 为10.70元，相对今日收盘价溢价10.54%。该 ...

今日(9月3日)A股共60只个股发生大宗交易，总成交18.26亿元，其中重庆银行、惠泰医疗、方正科技成 交额居前，成交额依次为5.56亿元、1.63亿元、8500.24万元。 成交价方面，共8只股票平价成交，3只股票溢价成交，49只股票折价成交；重庆银行、浙江震元、马应 龙溢价率居前，溢价率依次为10.54%、1.94%、0.08%；太湖远大、国源科技、中熔电气折价率居前， 折价率依次为28.34%、26.23%、25.12%。 机构专用席位买入额排名：方正科技(6209.19万元)、爱博医疗(5556.44万元)、剑桥科技(2652.85万元)、 三人行(2011.22万元)、宁德时代(1884.9万元)、敏芯股份(1828.08万元)、德福科技(1608万元)、瑞泰新材 (1006.82万元)、艾力斯(753.55万元)、奥瑞金(722.8万元)、兴蓉环境(715.29万元)、申菱环境(649万元)、 均瑶健康(601.75万元)、益方生物-U(499.88万元)、通润装备(256.6万元)、福莱蒽特(245.2万元)、英诺激 光(204.53万元)、阿特斯(201.6万元)。 机构专用席位卖出额排名：中 ...