证券代码：601963 证券简称：重庆银行 公告编号：2025-026 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 2024年度股东大会决议公告 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。 重要内容提示： 本次会议是否有否决议案：无 一、会议召开和出席情况 （一）股东大会召开的时间：2025 年 4 月 22 日 （二）股东大会召开的地点：重庆银行总行大楼 3 楼多功能会议厅 （三）出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： （五）本行董事、监事和董事会秘书的出席情况 1、本行在任董事11人，出席11人； 2、本行在任监事7人，出席7人； 3、本行执行董事、副行长、董事会秘书侯曦蒙女士出席了本次股东大会，高 级管理人员列席会议。 二、 议案审议情况 （一）非累积投票议案 1、议案名称：关于《2024 年度董事会工作报告》的议案 审议结果：通过 | 1、出席会议的股东和代理人人数 | 273 | | --- | --- | | 其中：A 股股东人数 | 269 | | 境外上市外资 ...

2024 年度股东大会 的法律意见书 致:重庆银行股份有限公司 北京市君合律师事务所(以下简称"本所")接受重庆银行股份有限公司(以 下简称" 贵公司")的委托,就贵公司2024年度股东大会(以下简称"本次会议") 召集、召开的有关事宜,根据《中华人民共和国公司法》(以下简称"《公司法》")、 中国证券监督管理委员会《上市公司股东会规则》及当时适用生效的《上市公司 股东大会规则(2022年修订)》(以下统称"《股东会规则》")等中国(为出 具本法律意见书之目的,不包括香港特别行政区和澳门特别行政区及台湾地区) 法律、法规、规章及贵公司现行有效的《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,出具本法律意见书。 为出具本法律意见书之目的,本所委派律师(以下简称"本所律师")列席 了贵公司本次会议,并根据现行法律、法规、规章的有关规定及要求,按照律师 行业公认的业务标准、道德规范和勤勉尽责精神,对贵公司提供的与本次会议召 开有关的文件和事实进行了核查和验证,在此基础上,本所律师对本法律意见书 出具之日及以前所发生的相关事实发表法律意见如下: 关于重庆银行股份有限公司 一、关于本次会议的召集和 ...

重庆银行股份有限公司成立于1996年,是西部和长江上游地区成立最早的地方性国有股份制商业银行之 一。按照市政府制定的"龙虾三吃"发展战略,2013年11月6日在港交所成功挂牌上市,成为全国城商行中首 家在港交所主板成功上市的内地城商行。2021年2月5日,成功登陆上交所主板,成为西部首家"A+H"上市 城商行。近年来,重庆银行在社会各界的关心帮助下,逐渐发展成为一个业务结构优、资产质量好、盈利 能力强、发展潜力大的商业银行。截至2024年12月31日,资产总额8566.42亿元,实现净利润55.21亿元,不 良贷款率、资本充足率等风险管理指标保持在行业较优水平,监管指标全面达标。近年来,重庆银行企业 品牌形象全面提升,成为第一家在港交所定向增发的内地上市城商行。在英国《银行家》杂志全球银行 1000强排名中连续9年位居前300强;2024年全球银行品牌500强榜单中,位列242位;A股先后纳入上证沪股 通指数样本、富时罗素旗舰指数;被中央文明委评为"全国文明单位";连续3年入选国务院国资委双百企业 名单并获评优秀。截至2024年12月31日,重庆银行下设199家分支机构,员工总数达5337人,网点覆盖了重 庆 ...

Core Viewpoint - The financial indicators and asset quality of the six disclosed banks are generally stable in the first quarter, with a positive outlook for the banking sector driven by increased market volatility and the sector's stable returns and index weight advantages [1][9]. Summary by Sections Financial Performance - Six listed banks have disclosed their Q1 2025 performance, showing overall stability but continued differentiation in earnings. For instance, Minsheng Bank reported a net interest margin improvement and a revenue increase of over 7% year-on-year, while Ping An, Chongqing Rural Commercial Bank, and Changshu Bank reported revenue changes of -13.05%, +1.35%, and +10.05% respectively [2]. - The divergence in earnings performance is attributed to the impact of last year's net interest margin decline and the effects of fair value changes in Q1 [2]. Credit Growth - The banks demonstrated strong expansion momentum, with Shanghai Pudong Development Bank's total loans increasing by 254.58 billion (5.02%) year-on-year, marking a recent quarterly high. Minsheng Bank also reported stable growth in deposits and loans, while Ping An Bank's loans grew by 1.1% [3]. - Overall, the credit growth and expansion are positive, aligning with marginal improvements in social financing growth, with significant focus on real credit issuance and investment in interest-bearing bonds [3]. Asset Quality - Asset quality remains stable, with non-performing loan ratios for Ping An, Chongqing Rural, and Changshu banks remaining flat or slightly improved. The provision coverage ratios for these banks are still at solid levels, indicating a cautious approach to provisioning [4]. - The banks are intensifying efforts to recognize and manage problem assets, particularly in retail lending, with future asset quality changes dependent on the recovery of household balance sheets [4]. Market Performance - The banking sector showed optimistic performance last week, with the A/H bank index rising by 4.23%, outperforming the broader market. Notable gainers included Chongqing Bank (8.8%) and Shanghai Pudong Development Bank (7.4%) [6]. - The influx of incremental funds into the banking sector is evident, with significant net inflows into stock ETFs and increased holdings by southbound funds in Hong Kong [7]. Investment Outlook - The banking sector is recommended for active allocation due to its defensive attributes and relative value, especially in the context of ongoing U.S.-China trade tensions. The sector is expected to maintain robust fundamentals compared to most industries [9]. - Specific stock recommendations focus on banks with stable profitability, attractive dividend yields, and potential for valuation recovery [9].

| 城商行 | 营业收入(亿) | 同比(%) | 归母净利润(亿) | 同比(%) | | --- | --- | --- | --- | --- | | 江苏银行 | 808.2 | 8.8 | 318.4 | 10.8 | | 宁波银行 | 666.3 | 8.2 | 271.3 | 6.2 | | 下通银行 | 529.9 | 4.8 | 235.6 | 4.5 | | 南京银行 | 502.7 | 11.3 | 201.8 | 9.1 | | 杭州银行 | 383.8 | 9.6 | 169.8 | 18.1 | | 长沙银行 | 259.4 | 4.6 | 79.8 | 6.9 | | 成都银行 | 229.8 | 5.9 | 128.6 | 10.2 | | 重庆银行 | 136.8 | 3.5 | 51.2 | 3.8 | | 城商行 | 资产总计(亿) | 同比 | 不良率(%) | 同比(自分点) | 拔音漫盖率(% | 同比(百分点) | | --- | --- | --- | --- | --- | --- | --- | | 江苏银行 | 39518.1 | 16.1% | 0.89 ...

Core Viewpoint - The performance of 14 out of 17 listed city commercial banks in China for 2024 shows resilience and growth despite challenges in the banking sector, with many banks leveraging regional advantages and differentiated business strategies to achieve notable results [1][2]. Revenue and Profit Growth - The average revenue growth rate for the 14 listed city commercial banks reached 5.31% year-on-year, with Nanjing Bank leading at 11.32% growth [2][3]. - Jiangsu Bank and Ningbo Bank achieved over 8% revenue growth despite a high base, supported by quality credit resources in the Jiangsu and Zhejiang regions [2][3]. Performance Summary of Listed City Commercial Banks - Jiangsu Bank: Revenue of 808.15 billion, up 8.78%; Net profit of 318.43 billion, up 10.76% [3]. - Beijing Bank: Revenue of 699.17 billion, up 4.81%; Net profit of 258.31 billion, up 0.81% [3]. - Ningbo Bank: Revenue of 666.31 billion, up 8.19%; Net profit of 271.27 billion, up 6.23% [3]. - Nanjing Bank: Revenue of 502.71 billion, up 11.32%; Net profit of 201.77 billion, up 9.05% [3]. - Zhengzhou Bank: Revenue decreased by 5.78% to 128.77 billion, attributed to weak corporate loan growth [3][4]. Asset Quality and Risk Management - Zhengzhou Bank reported a non-performing loan (NPL) ratio of 1.79%, higher than the average for city commercial banks, indicating a need for improvement in asset quality management [7]. - All 14 listed city commercial banks maintained a provision coverage ratio above the regulatory minimum of 150%, with Hangzhou Bank and Ningbo Bank showing exceptional performance [8][9]. Differentiated Business Strategies - City commercial banks are encouraged to adopt differentiated development strategies based on regional characteristics to enhance their business models [10]. - Ningbo Bank focuses on risk management in exchange rate and interest rate, achieving a 20.15% increase in institutional deposits [11]. - Beijing Bank plans to leverage digital products and services to enhance its business model in a low-interest environment [11].

Group 1 - The banking sector is performing strongly against the trend, with Agricultural Bank of China, China Construction Bank, and Shanghai Bank reaching historical highs during trading [1] - Other banks such as Chongqing Bank, Jiangsu Bank, Shanghai Rural Commercial Bank, and China Everbright Bank also showed significant gains [1]

Summary of Chongqing Bank 2024 Earnings Conference Call Company Overview - **Company**: Chongqing Bank - **Event**: 2024 Annual Earnings Conference Call Key Points Industry and Strategic Context - 2024 is identified as a year for accelerated development and advancement for Chongqing Bank, aligning with national strategies such as the Western Development and the dual-city economic circle [2][12] - The bank aims to leverage its position in the financial center of the western region, enhancing its role in supporting local enterprises and economic growth [11][12] Financial Performance - **Total Assets**: Reached 856.6 billion, a growth of 12.7% [3] - **Total Deposits**: Increased to 474.1 billion, up 14.3%, marking a historical high [3] - **Total Loans**: Amounted to 440.6 billion, growing by 12.1% [3] - **Operating Revenue**: 13.68 billion, a year-on-year increase of 3.5% [3] - **Net Profit**: Exceeded 5.52 billion, reflecting a growth of 5.6% [3] Risk Management and Asset Quality - **Non-Performing Loan (NPL) Ratio**: Decreased by 0.09 percentage points to 1.25% [39] - **Coverage Ratio**: Improved to 245.08%, an increase of 10.9 percentage points [39] - The bank has implemented robust risk management strategies, resulting in a significant reduction in NPLs and improved asset quality [40][41] Customer and Service Focus - The bank has enhanced its service offerings, particularly in retail banking, with personal savings deposits growing by 24% [26] - Focus on small and micro enterprises, with loans exceeding 61 billion, maintaining the top position among western commercial banks [27] - Development of a comprehensive financial service ecosystem aimed at improving customer experience, especially for senior citizens [6][21] Digital Transformation and Innovation - Chongqing Bank is advancing its digital finance capabilities, recognized for its achievements in digital transformation [19] - The bank has developed a green ESG rating system, aiding in the identification and support of green enterprises [20] - Continuous investment in technology to enhance operational efficiency and customer service [19][22] Future Outlook and Strategic Initiatives - The bank plans to maintain a high growth trajectory, targeting a trillion yuan in assets while enhancing service quality and operational efficiency [9][10] - Emphasis on sustainable development and support for key industries, including technology and green finance [32][33] - Ongoing reforms and digital initiatives are expected to drive future growth and improve competitive positioning [9][10][36] Governance and Compliance - The bank has a strong governance framework, with independent directors emphasizing compliance and risk management [24][25] - Continuous improvement in corporate governance practices, receiving high ratings from regulatory assessments [24] Conclusion - Chongqing Bank is positioned for robust growth in 2024, with a focus on strategic initiatives, digital transformation, and enhanced customer service, while maintaining strong risk management practices and governance standards [10][42]

近日，重庆银行（601963）披露2024年度报告。作为西部和长江经济带首家"A+H"上市城商行，在过去 的一年中，重庆银行深入贯彻落实中央金融工作会议精神，紧密围绕重庆市"智融惠畅"工程总体要求， 聚焦西部金融中心建设的"四梁八柱"，始终走好"三稳""三进""三优化""三强化""三提升"主线，主动融 入重庆高质量发展大局，交出了一份稳中有进、进中向好的成绩单。 当好服务国家战略的"排头兵""助推器" 巴山渝水间，开放潮涌急。地处祖国西南腹地的重庆，眼下正以头雁之姿引领开放潮流。重庆银行坚持 以人民为中心的发展思想，立足金融为民服务本源，加快推动内外联动发展，当好国家重大战略的"助 推器"。 高水平推进西部金融中心建设。该行以"智融惠畅"工程为抓手，持续加大金融支持力度，"两增"贷款较 上年末增长108.22亿元，涉农贷款较上年末增长59.75亿元，以更有力、更有为、更有效的金融服务，为 建设现代化新重庆持续贡献力量。 助力唱好新时代西部"双城记"。该行织密服务网络，线上、线下双线发力，扩大柜面服务覆盖面，2024 年已在川渝地区筹建和开业新网点十余家，进一步充实物理服务空间；深入服务"一号工程"，支持成渝 ...

Core Viewpoint - Chongqing Bank's 2024 annual report reveals a significant decline in both non-interest income and commission income in the second half of the year compared to the first half, indicating challenges in its wealth management strategy and financial performance overall [1][2]. Financial Performance - In 2024, Chongqing Bank achieved total operating income of 13.679 billion yuan, with non-interest income at 3.503 billion yuan and net commission income at 888 million yuan [1]. - The first half of 2024 saw operating income of 7.158 billion yuan, with non-interest income of 1.934 billion yuan and net commission income of 511 million yuan, suggesting a second-half income of approximately 6.5 billion yuan [1]. - The second half of 2024 showed a notable decline in non-interest income to less than 1.6 billion yuan and net commission income to 377 million yuan compared to the first half [1]. Wealth Management Strategy - The annual report indicates that the growth in commission income is attributed to the bank's ongoing transformation in wealth management and increased sales of insurance and fund products [1]. - However, the significant drop in commission income in the second half suggests that the bank faced obstacles in executing its wealth management strategy effectively [1]. Real Estate Loan Performance - As of the end of 2024, the personal housing loan balance was 39.283 billion yuan, down from 40.322 billion yuan at the end of 2023, reflecting a consistent reduction in housing loan issuance over the years [2]. - The bank's personal housing loan balance has decreased from 42.843 billion yuan in 2021 to 39.283 billion yuan in 2024, indicating a trend of declining loan issuance [2]. Loan Quality Concerns - The non-performing loan balance for personal housing loans increased significantly from 309 million yuan at the end of 2023 to 584 million yuan at the end of 2024, raising the non-performing loan ratio from 1.86% to 2.34% [3]. - The bank's financial industry loan non-performing rates have remained high, with rates of 17.06% and 17.19% in 2022 and 2023, respectively, indicating potential issues in loan quality compared to peers [3].