Financial Performance - The bank's net profit for 2024 is projected to be CNY 4.793 billion, with a proposed cash dividend of CNY 0.248 per share, amounting to a total distribution of approximately CNY 479 million[8]. - Net profit for 2024 was CNY 5,521,031 thousand, reflecting a 5.59% increase from CNY 5,228,955 thousand in 2023[46]. - The net profit for 2024 exceeded 5.5 billion RMB, representing a year-on-year growth of 5.59%[57]. - The total income for the year was CNY 136.8 billion, marking a growth of 3.54% compared to the previous year[66]. - In 2024, the company achieved operating income of RMB 13.68 billion, an increase of RMB 467.83 million, representing a growth rate of 3.54%[72]. - The company's retained earnings amounted to RMB 25,363.11 million, accounting for 39.78% of total equity[158]. Asset and Loan Growth - The total assets of Bank of Chongqing reached CNY 856.64 billion, with total deposits of CNY 474.12 billion and total loans of CNY 440.62 billion, achieving a non-performing loan ratio of 1.25% and a provision coverage ratio of 245.08%[11]. - Total assets grew by 12.73% to CNY 856,641,840 thousand from CNY 759,883,870 thousand in 2023[48]. - Customer loans and advances increased by 12.13% to CNY 440,616,361 thousand from CNY 392,934,966 thousand in 2023[48]. - Total customer loans and advances reached RMB 440.62 billion, an increase of RMB 476.81 billion or 12.13% compared to the previous year[125]. - The total overdue loans amounted to RMB 76.02 billion, representing 1.73% of the total customer loans, a decrease of 0.22 percentage points from the previous year[184]. Risk Management and Asset Quality - The non-performing loan ratio improved to 1.25% in 2024, down from 1.34% in 2023, a reduction of 0.09 percentage points[50]. - The loan loss provision balance increased to RMB 13.35 billion, with a non-performing loan coverage ratio of 245.08%, up by 10.90 percentage points year-on-year[193]. - The proportion of normal loans increased to 96.11% of total loans, up from 95.30% the previous year[162]. - The company aims to stabilize asset quality by addressing risks in key areas and improving the management of non-performing assets, with a focus on reducing the cost of liabilities and optimizing the asset-liability structure[31]. Strategic Initiatives and Innovations - The company aims to achieve a higher level of development and faster growth, targeting entry into the "trillion club" of commercial banks[30]. - The company has redefined its strategic framework to a "five high" strategy, focusing on high goals, high positioning transformation, high efficiency operation, high-quality service, and high-quality development[30]. - The bank's focus on digital transformation has made it the first local bank in China to have innovative applications recognized in the central bank's fintech innovation pilot program for five consecutive years[12]. - The company is enhancing its technological capabilities to support business transformation and improve risk management systems[35]. Awards and Recognition - The company received multiple awards in 2024, including the "Best Practice of Annual Report Performance Briefing" from the China Listed Companies Association[27]. - The company was recognized as a "Model Case for Rural Financial Services" by the China Rural Credit Cooperative Newspaper in September 2024[20]. - The company won the "Outstanding Wealth Management City Commercial Bank" award at the 2024 Jin Yu Awards[26]. - The company was awarded the "Data Governance Innovation Award" for five consecutive years by DAMA China[23]. Customer and Market Engagement - The bank provided over CNY 150 billion in credit support to key strategic areas, including the Chengdu-Chongqing economic circle and the modern manufacturing industry cluster in Chongqing[12]. - The bank's total loans to small and micro enterprises increased by CNY 10.822 billion compared to the end of the previous year, demonstrating its support for local economic development[12]. - The company emphasizes enhancing customer service quality and expanding its client base, particularly in emerging industries[30]. - The bank operates 199 branches across Chongqing and neighboring provinces, enhancing its market presence and service capabilities[11].

Financial Performance - The net profit for the year 2024 is projected to be CNY 4.793 billion, with a proposed cash dividend of CNY 0.248 per share (including tax) for registered shareholders[10]. - The total cash dividend for the year 2024 is expected to be CNY 0.414 per share (including tax) after the third quarter distribution was completed on January 24, 2025[10]. - The company achieved a revenue of 132.63 billion yuan, representing a year-on-year growth of 3.25%, and a net profit of 55.21 billion yuan, up 5.59% from the previous year[81]. - In 2024, the company's net profit exceeded 5.5 billion RMB, representing a year-on-year growth of 5.59%[68]. - Net profit attributable to shareholders rose by 3.80% to RMB 5,117,290 thousand in 2024, compared to RMB 4,929,787 thousand in 2023[57]. - Operating income increased by 10.69% to RMB 2,199,439 thousand in 2024 from RMB 1,987,074 thousand in 2023[57]. - Interest income for 2024 reached RMB 28,690,811 thousand, a year-on-year increase of 1.43% compared to RMB 28,285,529 thousand in 2023[57]. - Net interest income decreased by 2.59% to RMB 10,176,129 thousand in 2024 from RMB 10,447,003 thousand in 2023[57]. - Net commission and fee income surged by 115.73% to RMB 887,599 thousand in 2024, compared to RMB 411,438 thousand in 2023[57]. - The company achieved a cash flow from operating activities of 11.6 billion RMB in Q4 2024, a significant recovery from previous quarters[64]. Asset and Loan Growth - The total assets of the company reached CNY 856.642 billion, with total deposits of CNY 474.117 billion and total loans of CNY 440.616 billion[13]. - Total assets grew by 12.73% to RMB 856,641,840 thousand in 2024 from RMB 759,883,870 thousand in 2023[59]. - Customer loans and advances increased by 12.13% to RMB 440,616,361 thousand in 2024, compared to RMB 392,934,966 thousand in 2023[59]. - The total loan balance exceeded 300 billion yuan, with a growth of 25.00% year-on-year, and the balance of loans for technology, green, inclusive, and manufacturing sectors increased by 32%, 40%, 22%, and 25% respectively[81]. - The total amount of customer loans and advances was RMB 440,616.36 million, an increase of 12.13% from RMB 392,934.97 million in 2023[144]. - The total principal amount of corporate loans was RMB 313,003.21 million, reflecting a significant increase of 25.00% from RMB 250,398.07 million in 2023[144]. - The total amount of loans in the leasing and business services sector was RMB 104.65 billion, with a non-performing loan ratio of 0.15%[190]. - The total amount of loans in the real estate sector was RMB 10.11 billion, with a non-performing loan ratio of 5.63%[190]. Risk Management and Asset Quality - The non-performing loan ratio stands at 1.25%, with a provision coverage ratio of 245.08%[13]. - The non-performing loan ratio improved to 1.25% in 2024 from 1.34% in 2023[61]. - The company has strengthened its credit risk management and improved asset quality, maintaining a competitive position in the industry[176]. - The non-performing loan balance was RMB 5.46 billion, an increase of RMB 0.25 billion, with a non-performing loan ratio of 1.25%, a decrease of 0.09 percentage points from the previous year[176]. - The retail loan non-performing loan ratio was 2.71%, an increase of 0.73 percentage points, while the corporate loan non-performing loan ratio was 0.90%, a decrease of 0.43 percentage points[180]. Strategic Initiatives and Innovations - The company provided credit support exceeding CNY 150 billion to key strategic areas, including the Chengdu-Chongqing economic circle and modern manufacturing industry clusters[14]. - The company has been continuously recognized for its financial technology innovations, being the first local bank to have innovative applications selected for the People's Bank of China's financial technology innovation regulatory pilot for five consecutive years[14]. - The company aims to achieve a higher level of development and aims to enter the "Trillion Club" of commercial banks[34]. - The company plans to enhance its asset quality and financial management while addressing new types of risks[38]. - The company intends to increase credit investment and diversify its income sources through wealth management and investment banking services[39]. - The company is focused on optimizing its management processes and enhancing its support for strategic emerging industries and technology sectors[40]. - The company is restructuring its product system to break down online and offline barriers, enhancing product strength and expanding inclusive finance loan volumes[46]. Awards and Recognition - The company ranked 209th in the global banking sector according to The Banker magazine, improving by 8 places from the previous year[14]. - The company has been recognized as a "model case" for rural revitalization by the China Rural Credit Cooperative Report in 2024[22]. - The company was awarded the "Outstanding Case" and "Excellent Case" in the first Data Model Algorithm Competition organized by the China Academy of Information and Communications Technology[21]. - The company was recognized for its "OCR Large Model in Banking Business Auxiliary Application and Research" with a first prize at the 9th Chongqing "Five Small" Innovation Showcase[28]. - The company achieved six awards at the 4th "Golden Reputation Award" selection, including "Outstanding Wealth Management City Commercial Bank" and "Outstanding Technology Strength Institution"[28]. - The company was awarded the "Best Practice of Annual Report Performance Presentation Meeting" by the China Listed Companies Association[29]. Governance and Compliance - The bank's financial reports have been audited by Ernst & Young, confirming their accuracy and completeness[10]. - The board meeting held on March 21, 2025, was attended by all 11 directors, ensuring compliance with relevant regulations[10]. - The company is committed to optimizing its governance structure and enhancing transparency to support high-quality development[49].

2024 重庆银行股份有限公司 目 录 | | 页 次 | | --- | --- | | 审计报告 | 1 - 7 | | 已审财务报表 | | | 合并资产负债表 | 8 - 9 | | 银行资产负债表 | 10 - 11 | | 合并利润表 | 12 - 13 | | 银行利润表 | 14 - 15 | | 合并现金流量表 | 16 - 17 | | 银行现金流量表 | 18 - 19 | | 合并股东权益变动表 | 20 - 21 | | 银行股东权益变动表 | 22 - 23 | | 财务报表附注 | 24 - 231 | | 补充资料 | | | 1. 非经常性损益明细表 | 1 | | 2. 中国会计准则与国际财务报告准则财务报表差异说明 | 1 | | 3. 净资产收益率及每股收益 | 2 | 2025 70023001_B01 2024 12 31 2024 2024 12 31 2024 1 审计报告(续) 安永华明（2025）审字第70023001 B01号 重庆银行股份有限公司 三、关键审计事项(续) | 关键审计事项: | 该事项在审计中是如何应对: | | --- | --- | ...

重庆银行股份有限公司 内部控制审计报告 2024年12月31日 ■ 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台（http://ac.cmof.gov.cn） 进行查 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台（http://acc.mof.gov.cn） 进行查 Frnst & Young Hua Ming I I P 安永华明会计师事务所(特殊普通合伙) 国北京市东城区东长安街 1 号 Tel 电话:+86 10 5815 3000 Fax 传直:+86 10 8518 8298 内部控制审计报告 安永华明（2025）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"）2024年12月31日的财务报告内部控 制的有效性。 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 ...

重庆银行股份有限公司独立董事对第七届董事会 第七次会议相关事项的事前认可意见 根据《中华人民共和国公司法》《上市公司独立董事管理办法》《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 5 号—交易与 关联交易》等法律、法规和规范性文件以及《重庆银行股份有限公司章程》《重 庆银行股份有限公司关联交易管理办法》等有关规定，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，对拟提交公司第七届董事会第七次会 议审议的相关事项进行了事前审核，经过认真审阅相关资料，现发表事前认可意 见如下： 重庆银行股份有限公司独立董事 一、关于 2025 年度日常关联交易预计额度的事前认可意见 刘星、王荣、冯敦孝、朱燕建、刘瑞晗 《关于 2025 年度日常关联交易预计额度的议案》所涉的关联交易事项属于 银行正常经营范围内的常规业务，公司与关联方之间的交易拟遵循市场化定价原 则，以不优于对非关联方同类交易的条件进行，不存在损害公司、股东，特别是 中小股东利益的情形，符合关联交易管理要求的公允性原则，符合法律法规和《重 庆银行股份有限公司章程》《重庆银行股份有限公司关联交易管理办法》等规定， 符合公司和公 ...

2025 年 3 月 21 日 重庆银行股份有限公司 2024 年度独立董事述职报告 （刘星） 2024 年，本人作为重庆银行股份有限公司（以下简称"重庆银行"或"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，切实发 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 2024 年度履职情况报告如下： 一、个人基本情况 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，是非执业注册会计师以及国务院特殊津贴专家。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 委员会第七届工商管理学科评议组成员，教育部第五 ...

| 践行金融为民 | | | --- | --- | | 落实国家战略 | 15 | | 支持科技创新 | 18 | | 深耕普惠金融 | 19 | | 发力数字金融 | 25 | | 推进养老金融 | 29 | | 保护客户权益 | 31 | | 开展社会公益 | 33 | 治理 助力稳健发展 坚持党建统领 规范公司治理 深化责任管理 03 37 37 39 | 社会认可 | 51 | | --- | --- | | 责任绩效 | 53 | | 附录 | 58 | | 关键数据编制基础 | 58 | | 鉴证报告 | 59 | | 报告说明 | 62 | | 读者意见反馈表 | 63 | 2024 环境·社会·管治 CONTENTS CONTENTS | 环境 01 守护绿色生态 | | 社会 02 | | --- | --- | --- | | 打造绿色银行 | 7 | 落实国家战略 | | 创新绿色金融 | 8 | 支持科技创新 | | 开展绿色运营 | 11 | 深耕普惠金融 | | | | 发力数字金融 | 夯实风险管控 推进人才强行 41 45 目录 董事长致辞 行长致辞 01 03 董事长致辞 ...

证券代码：601963 证券简称：重庆银行 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审计委员会 对会计师事务所履行监督职责情况报告 根据《中华人民共和国公司法》《中华人民共和国证券法》《上海证券交易 所股票上市规则》《国有企业、上市公司选聘会计师事务所管理办法》和《重庆 银行股份有限公司章程》等规定和要求，重庆银行股份有限公司（以下简称"本 行"）董事会审计委员会认真履行忠实和勤勉义务，恪守职守，审慎履行对会计 师事务所的监督职责，现将 2024 年度相关情况报告如下： 一、会计师事务所基本情况 安永华明会计师事务所（普通合伙）（以下简称"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 01-12 室。截至 2024 年末，安永华明拥有合 伙人 251 人，首席合伙人为毛鞍宁先生，拥有执业注册会计师逾 1700 人，其中拥 有证券相关业务服务经验的执业注册会计师超过 1500 人。 二、聘任会计师 ...

公司代码：601963 公司简称：重庆银行 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董 事会提交了独立性自查调查表，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 截至 2024 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。根据独立性自查调查表内容，各 位独立董事均确认并承诺于 2024 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调查表，本行董事会 认为各位独立董事于 2024 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 ...