Market Performance - The city commercial bank sector increased by 1.64% on September 24, with Qilu Bank leading the gains [1] - The Shanghai Composite Index closed at 3853.64, up 0.83%, while the Shenzhen Component Index closed at 13356.14, up 1.8% [1] Individual Stock Performance - Qilu Bank closed at 5.87, with a rise of 1.73% and a trading volume of 1.0666 million shares, amounting to a transaction value of 624 million yuan [1] - Hangzhou Bank closed at 15.32, up 0.66%, with a trading volume of 451,600 shares and a transaction value of 691 million yuan [1] - Zhengzhou Bank closed at 2.03, up 0.50%, with a trading volume of 920,500 shares and a transaction value of 18.7 million yuan [1] - Nanjing Bank closed at 11.01, up 0.46%, with a trading volume of 1.7333 million shares and a transaction value of 806 million yuan [1] - Other banks such as Changsha Bank, Ningbo Bank, and Qingdao Bank also showed slight increases in their stock prices [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 69.1764 million yuan from institutional investors, while retail investors saw a net inflow of 55.8208 million yuan [2] - The overall capital flow indicates a mixed sentiment, with institutional investors withdrawing funds while retail investors continued to invest [2] Detailed Capital Flow for Selected Banks - Ningbo Bank had a net inflow of 74.388 million yuan from institutional investors, but a net outflow of 51.098 million yuan from speculative funds [3] - Shanghai Bank saw a net inflow of 17.1761 million yuan from institutional investors, while retail investors had a net outflow of 30.1701 million yuan [3] - Chengdu Bank experienced a net inflow of 16.3117 million yuan from institutional investors, with a net outflow from retail investors [3]

Core Viewpoint - The Federal Reserve's recent decision to lower the federal funds rate target range by 25 basis points to 4.00%-4.25% has prompted significant attention towards the domestic dollar deposit rates in China, with many banks beginning to adjust their rates downward in response to the Fed's actions [1][4]. Group 1: Current Dollar Deposit Rates - Various banks in China are currently offering dollar deposit rates above 3%, with some products still maintaining attractive rates [3]. - For instance, Jiangsu Bank offers a 1-year dollar deposit rate of 3% with a minimum deposit of $5,000, while other banks like Guangfa Bank and Chongqing Bank provide rates as high as 3.4% and 3.95% respectively for higher deposit amounts [3][4]. - Foreign banks, such as Standard Chartered, are also maintaining relatively stable rates, with their 1-year dollar deposit rate reaching up to 3.6% [3]. Group 2: Rate Adjustments Post-Fed Decision - Several banks have already initiated rate cuts following the Fed's announcement, with Huashang Bank reducing its short-term dollar deposit rates by 25 basis points across various terms [4]. - Xi'an Bank plans to lower its dollar deposit rates by the end of September, with significant reductions across all terms [4]. - Guangdong Huaxing Bank has already completed its rate adjustments, with the 1-year rate for deposits over $100,000 now at 3.9% [4]. Group 3: Future Rate Trends - Experts predict a downward trend in dollar deposit rates due to the Fed's actions, with expectations of further rate cuts in the coming years [6]. - The Chief Economist at CITIC Securities suggests that domestic banks will likely lower their dollar deposit rates to reduce liability costs, although the timing may vary based on individual bank circumstances [6]. - Predictions indicate that the Fed may implement two more rate cuts by 2025, which could further pressure domestic dollar deposit rates [6]. Group 4: Consumer Behavior and Considerations - Some consumers are taking proactive measures to secure higher rates before anticipated cuts, while others remain cautious and rational in their approach to dollar deposits [7]. - The current exchange rate of 1 USD to 7.1173 CNY indicates a strengthening of the yuan, which could impact the real returns on dollar deposits if the trend continues [7]. - There is an expectation that state-owned banks will eventually follow suit with rate adjustments, as market expectations are forming around this possibility [7].

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。 证券代码：601963 证券简称：重庆银行 公告编号：2025-061 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参加 重庆辖区2025年投资者网上集体接待日活动的 届时，本行相关人员将参加本次集体接待日活动，与投资者进行"一对多"形式的在线交流，回答投资者 关心的问题。欢迎广大投资者积极参与。 特此公告。 重庆银行股份有限公司董事会 2025年9月22日 为进一步提高投资者关系管理水平，促进完善公司治理，助力公司高质量发展，重庆银行股份有限公司 （以下简称"本行"）将参加在重庆证监局指导下、重庆上市公司协会联合深圳市全景网络有限公司举办 的"重庆辖区上市公司2025年投资者网上集体接待日"活动（以下简称"本次集体接待日活动"），现将有 关事项公告如下： 本次集体接待日活动将采用线上交流形式举行。投资者可以登录"全景路演"平台（https://rs.p5w.net）参 与本次集体接待日活动，活动时间为2025年9月25日（星期四）15:00至17 ...

Group 1 - The core viewpoint of the article is that Chongqing Bank is participating in an online investor reception day to enhance investor relations and corporate governance, contributing to the bank's high-quality development [1] - The event will be guided by the Chongqing Securities Regulatory Bureau and organized in collaboration with the Chongqing Listed Companies Association and Shenzhen Panorama Network Co., Ltd [1] - The online reception day is scheduled for September 25, 2025, from 15:00 to 17:00, allowing investors to engage with the bank's representatives in a "one-to-many" format [1]

格隆汇9月22日丨重庆银行(01963.HK)公告，为进一步提高投资者关系管理水平，促进完善公司治理， 助力公司高质量发展，重庆银行股份有限公司(以下简称"本行")将参加在重庆证监局指导下、重庆上市 公司协会联合深圳市全景网络有限公司举办的"重庆辖区上市公司2025年投资者网上集体接待日"活动， 现将有关事项公告如下：本次集体接待日活动将采用线上交流形式举行。投资者可以登录"全景路演"平 台(https://rs.p5w.net)参与本次集体接待日活动，活动时间为2025年9月25日(星期四)15:00至17:00。届 时，本行相关人员将参加本次集体接待日活动，与投资者进行"一对多"形式的在线交流，回答投资者关 心的问题。欢迎广大投资者积极参与。 ...

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，概不就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。 董事長 楊秀明 中國重慶，2025年9月22日 BANK OF CHONGQING CO., LTD.* 重慶銀行股份有限公司* （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （股份代號：1963） 海外監管公告 本公告乃重慶銀行股份有限公司*（「本行」）根據香港聯合交易所有限公司證券上市規則第 13.10B條而作出。 茲載列本行在上海證券交易所網站刊發之《關於參加重慶轄區2025年投資者網上集體接待 日活動的公告》，僅供參閱。 代表董事會 重慶銀行股份有限公司* 特此公告。 重庆银行股份有限公司董事会 2025 年 9 月 22 日 於本公告刊發日期，本行的執行董事為楊秀明先生、高嵩先生及侯曦蒙女士；本行的非 執行董事為黃漢興先生、郭喜樂先生、吳珩先生、付巍先生、周宗成先生及余華先生； 本行的獨立非執行董事為朱燕建先生、劉瑞晗女士、汪欽琳女士、曾宏先生及陳鳳翔先 ...

Core Viewpoint - Chongqing Bank has shown a stable dividend yield over the past three years, with recent initiatives supporting rural revitalization and agricultural financing, indicating a focus on growth in these sectors [2]. Financial Performance - The bank's revenue for the first half of 2025 was reported at 0.00 yuan, while the net profit attributable to shareholders was 3.19 billion yuan, reflecting a year-on-year growth of 5.39% [6]. - Cumulative cash dividends since the bank's A-share listing amount to 6.88 billion yuan, with 4.23 billion yuan distributed over the past three years [7]. Stock Performance - On September 22, Chongqing Bank's stock price decreased by 0.11%, with a trading volume of 92.35 million yuan and a market capitalization of 31.514 billion yuan [1]. - The average trading cost of the stock is 9.59 yuan, with the current price near a support level of 8.99 yuan [5]. Shareholder Activity - Chongqing Real Estate Group Co., Ltd. has acquired a stake in Chongqing Bank, holding 6.53% of the total shares [2]. Business Overview - Chongqing Bank, established on September 2, 1996, primarily provides corporate and personal banking products and services, with a revenue composition of 69.84% from corporate banking, 21.95% from personal banking, and 7.41% from funding operations [6].

本次集体接待日活动将采用线上交流形式举行。投资者可以登录"全景路演" 平台（https://rs.p5w.net）参与本次集体接待日活动，活动时间为 2025 年 9 月 25 日（星期四）15:00 至 17:00。 届时，本行相关人员将参加本次集体接待日活动，与投资者进行"一对多" 形式的在线交流，回答投资者关心的问题。欢迎广大投资者积极参与。 特此公告。 证券代码：601963 证券简称：重庆银行 公告编号：2025-061 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参加 重庆辖区 2025 年投资者网上集体接待日活动的公告 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。 为进一步提高投资者关系管理水平，促进完善公司治理，助力公司高质量发 展，重庆银行股份有限公司（以下简称"本行"）将参加在重庆证监局指导下、 重庆上市公司协会联合深圳市全景网络有限公司举办的"重庆辖区上市公司 2025 年投资者网上集体接待日"活动（以下简称"本次集体接待日活动"），现 将有关事项公告如下： 2025 年 9 ...

Investment Rating - The report maintains a positive outlook on the banking sector, suggesting potential investment opportunities due to favorable policy catalysts and improving fundamentals in certain banks [12]. Core Insights - The report highlights the adequacy of loan loss provisions among listed banks, with a provision coverage ratio of 70.8% for Stage 3 loans, indicating limited future impact on profits [2][12]. - It emphasizes the improvement in asset quality, particularly in Stage 3 loans, with notable reductions in the proportion of such loans for several banks compared to the end of Q4 2024 [1][2]. - The report suggests a focus on banks with positive fundamental changes and continuous improvement in financial statements, recommending specific banks for investment [12]. Summary by Sections 1. Loan Quality and Provisioning - The proportion of Stage 3 loans is relatively low for banks like Chengdu Bank (0.66%) and Ningbo Bank (0.76) [1]. - Significant improvements in Stage 3 loan ratios were observed for Chongqing Bank (-61bp) and Guiyang Bank (-48bp) compared to Q4 2024 [1]. - The provision coverage for Stage 3 loans is high, with leading banks like Qingnong Bank (4.35%) and Yunan Bank (4.16%) showing strong provisioning ratios [2]. 2. Financial Assets - The proportion of Stage 3 financial assets is low, with most banks not exceeding 0.05%, indicating manageable asset quality pressure [4]. - The report notes that the provision coverage for financial investments is also robust, with Zhejiang Bank (3.16%) and Qingdao Bank (2.85%) leading in provisioning ratios [8]. 3. Sector Outlook - The report anticipates that expansionary policies aimed at stabilizing the economy will benefit the banking sector, with a focus on banks like Ningbo Bank and Jiangsu Bank for potential investment [12]. - It highlights the ongoing economic recovery and the potential for interest rate cuts, suggesting a sustained dividend strategy for certain banks [12].

来源：新浪基金∞工作室 9月18日，重庆银行跌2.27%，截至发稿，报9.06元/股，成交1.40亿元，换手率0.81%，总市值314.80亿 元。重庆银行股价已经连续6天下跌，区间累计跌幅6.6%。 资料显示，重庆银行股份有限公司位于香港铜锣湾希慎道33号利园1期19楼1918室，成立日期1996年9月 2日，上市日期2021年2月5日，公司主营业务涉及重庆银行股份有限公司主要在中国从事提供公司及个 人银行产品和服务以及资金市场业务。该公司通过三个业务部门运营。公司银行业务部从事向公司类客 户提供金融产品和服务业务,包括存款和贷款。零售业务部从事向个人客户提供金融产品和服务业务,包 括存款和贷款。资金业务部从事同行拆借、债券投资交易、回购交易以及外汇买卖交易业务。主营业务 收入构成为：公司银行业务69.84%，个人银行业务21.95%，资金业务7.41%，未分配0.80%。 从基金十大重仓股角度 数据显示，德邦基金旗下1只基金重仓重庆银行。德邦新回报灵活配置混合A（003132）二季度持有股 数3.6万股，占基金净值比例为0.32%，位居第七大重仓股。根据测算，今日浮亏损失约7560元。连续6 天下跌期间浮 ...