公司名稱: 重慶銀行股份有限公司 呈交日期: 2024年9月5日 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8月31日 狀態: 新提交 致：香港交易及結算所有限公司 | 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 ...

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]

Financial Reporting - The unaudited interim results for Bank of Chongqing for the six months ending June 30, 2024, were announced, complying with the Hong Kong Stock Exchange's requirements[1]. - The board of directors confirmed the accuracy and completeness of the interim report, with no false statements or significant omissions[5]. - The bank will not distribute profits or convert capital reserves into share capital for the 2024 interim period[5]. - The report indicates that the financial statements are prepared in Renminbi, with no significant non-operational fund occupation by controlling shareholders[5]. - The bank's financial report for the interim period is unaudited, ensuring transparency in financial reporting[5]. - The bank's chairman and senior management have guaranteed the truthfulness and accuracy of the financial report[5]. - The interim report is available on the bank's website and the Shanghai Stock Exchange website[2]. - The board meeting held on August 30, 2024, was attended by 14 directors, with 12 present in person[5]. Financial Performance - The total assets of the company reached CNY 805.968 billion, with total deposits of CNY 450 billion and total loans of CNY 419.897 billion, achieving a non-performing loan ratio of 1.25% and a provision coverage ratio of 249.59%[7]. - Net interest income for the first half of 2024 was RMB 5,224,044 thousand, a decrease of 3.01% compared to RMB 5,386,427 thousand in the same period of 2023[11]. - The net profit for the first half of 2024 was RMB 3,210,267 thousand, representing a 5.17% increase from RMB 3,052,330 thousand in the same period of 2023[11]. - Basic earnings per share for the first half of 2024 were RMB 0.87, up 3.57% from RMB 0.84 in the same period of 2023[11]. - Operating income for the first half of 2024 was RMB 6.95 billion, reflecting a growth of 3.31% year-on-year[22]. - The group achieved a net profit of RMB 3.21 billion, an increase of 5.17% year-on-year[19]. Asset and Loan Management - The total customer loans and advances reached RMB 1,898,801,000, an increase of RMB 447,817,000 or 30.86% compared to the same period last year[48]. - The non-performing loan ratio improved to 1.25% as of June 30, 2024, down from 1.34% at the end of 2023[14]. - The total amount of customer loans and advances as of June 30, 2024, was RMB 419,896,747,000, an increase of RMB 269,620,000,000 or 6.86% from the end of the previous year[53]. - The loan loss provision balance as of June 30, 2024, was RMB 12.99 billion, an increase of RMB 0.849 billion from the end of the previous year, with a non-performing loan coverage ratio of 249.59%, up by 15.41 percentage points[89]. - The total amount of overdue loans amounted to RMB 7.90 billion, an increase of RMB 0.282 billion compared to the end of the previous year, with an overdue loan ratio of 1.91%, a decrease of 0.04 percentage points[83]. Risk Management - The report includes a section on risk management, highlighting major risks faced by the group and the measures to be taken[5]. - The bank has established a comprehensive risk management system to ensure that returns are aligned with the risks undertaken, aiming to maximize shareholder value[119]. - Credit risk management is prioritized, with a focus on supporting key sectors such as small and micro enterprises, green development, and technological innovation[120]. - The bank has implemented a dynamic management approach for non-performing assets, utilizing modern and digital methods to enhance asset recovery[121]. - Interest rate risk is managed through regular assessments of interest-sensitive assets and liabilities, with a focus on maintaining stability in net interest income[123]. Digital Transformation and Innovation - The company has been selected as a pilot bank for financial technology innovation by the People's Bank of China, highlighting its commitment to digital transformation and technology-driven growth[7]. - The bank's digital capabilities were enhanced through the development of online service channels, improving operational efficiency in inclusive finance[99]. - The bank's digital transformation strategy includes 65 key projects for 2024, aimed at improving operational efficiency and customer experience through data integration and sharing systems[108]. - The bank has implemented intelligent processing for nearly 70% of its total business volume, significantly improving efficiency compared to manual operations[112]. - The bank's mobile banking app has introduced three new application scenarios, including a senior-friendly version and a points mall to support elderly financial services[108]. Shareholder Commitments and Regulations - The company has committed to a 36-month lock-up period for its shares following the IPO, effective from February 5, 2021[155]. - The company will adjust the share issuance price in case of dividend distributions or capital increases during the lock-up period[158]. - The company guarantees strict compliance with relevant regulations and will exercise shareholder rights equally with other shareholders[168]. - The company will take measures to stabilize its stock price in accordance with applicable laws and regulations[170]. - The commitment to stabilize the stock price is effective for 36 months following the IPO[169]. Market Position and Strategy - The company ranked 209th in the global banking sector according to The Banker magazine, improving by 8 positions from the previous year, and has maintained an investment-grade rating from S&P for 7 consecutive years[7]. - The company aims to enhance its service capabilities by focusing on reform, structural adjustment, transformation, and quality improvement to better serve local economies and small and micro enterprises[7]. - The bank's strategy focuses on serving local economies, small and micro enterprises, and rural residents, emphasizing high-quality development and continuous improvement in operational efficiency[116]. - The bank is actively embracing financial technology, emphasizing data and intelligence to improve financial supply capabilities[149]. - The bank's commitment to serving the real economy remains a core mission, with ongoing efforts to optimize credit structures[149].

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 ...