证券代码：601963 证券简称：重庆银行 公告编号：2024-061 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 关于副行长、董事会秘书任职资格 获监管机构核准的公告 侯曦蒙女士简历请参见本行刊载于上海证券交易所网站（www.sse.com.cn） 的《重庆银行股份有限公司第六届董事会第九十三次会议决议公告》（公告编号： 2024-033）。 特此公告。 重庆银行股份有限公司董事会 2024 年 11 月 8 日 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 11 月 7 日收到《重 庆金融监管局关于侯曦蒙重庆银行副行长、董事会秘书任职资格的批复》（渝金 管复〔2024〕127 号），国家金融监督管理总局重庆监管局核准了侯曦蒙女士担 任本行副行长、董事会秘书的任职资格。侯曦蒙女士已参加最近一期上海证券交 易所主板上市公司董事会秘书任职培训，并取得董事会秘书任职培训证明。根据 法律法规以及本行章程的规定，侯曦蒙女士的任期自监管机构核准之日起生效 ...

Investment Rating - The report assigns a "Buy" rating for Chongqing Bank, marking its first coverage [7]. Core Views - Chongqing Bank is expected to maintain a loan growth rate of over 10% in the next 3-5 years, supported by its advantages in corporate business and regional layout [34]. - The bank's asset quality is improving, with a significant reduction in non-performing loan generation rate, which was only 0.21% in the first half of 2024, lower than the industry average [2][10]. - The bank's net interest margin is stabilizing, with a reduction in deposit costs that is faster than its peers, contributing positively to its profitability [3][10]. Summary by Sections Company Overview - Chongqing Bank has a stable shareholding structure, with major shareholders being state-owned enterprises under the Chongqing State-owned Assets Supervision and Administration Commission, holding a combined 27.81% [20]. - The bank has a strong regional presence, covering all districts in Chongqing and expanding into other western cities [18]. Loan Growth Outlook - The central government has assigned a higher strategic position to Chongqing, which is expected to accelerate the release of regional dividends, contributing to the bank's growth [28]. - In the first half of 2024, Chongqing Bank provided over 100 billion yuan in credit support for the development of the Chengdu-Chongqing economic circle, with infrastructure loans being a major growth driver [31][34]. Risk Management and Asset Quality - The bank has intensified efforts to manage existing risks, leading to a notable decrease in non-performing loans in key sectors such as retail and electricity [2]. - The credit cost has been declining since 2022, allowing for potential profit release in the future [2][10]. Deposit Cost and Net Interest Margin - The bank's deposit cost rate has entered a phase of accelerated improvement, with reductions in 2023 and the first half of 2024 exceeding those of listed city commercial banks [3]. - The net interest margin has stabilized, with the cumulative decline in net interest margin being less than that of its peers [3][10]. Financial Forecast and Investment Recommendations - The report forecasts Chongqing Bank's operating revenue growth rates for 2024, 2025, and 2026 to be 2.9%, 4.2%, and 5.2%, respectively, with net profit growth rates of 4.5%, 8.4%, and 9.0% [10].

Investment Rating - The report assigns a "Buy" rating to Chongqing Bank, indicating a positive outlook for the stock [1][72][75]. Core Insights - Chongqing Bank is experiencing steady performance improvements due to its deep roots in Chongqing and strong state-owned enterprise support, with total assets exceeding 800 billion RMB and a double-digit year-on-year growth rate [1][18]. - The bank is positioned to benefit from a significant turnaround in risk expectations related to local government platforms and real estate, leading to a more favorable valuation recovery [1][8]. - The bank's asset quality is expected to improve steadily, with a projected non-performing loan (NPL) ratio of 1.23% by 2024, down from 1.34% in 2023 [2][9][70]. Summary by Sections 1. Local Market Position and Growth Potential - Chongqing Bank has a comprehensive network covering all districts in Chongqing and has expanded into three other cities, enhancing its competitive advantage [1][26]. - The bank's management has been renewed, focusing on efficient operations and risk management, which is expected to support better performance [1][18]. 2. Asset Quality Improvement - The bank has accelerated the resolution of historical non-performing assets, with a significant reduction in the NPL ratio and an increase in the provision coverage ratio to over 250% [1][31][37]. - The bank's real estate exposure has been effectively managed, with the proportion of real estate loans in total loans decreasing to 2% [1][46]. 3. Financial Performance and Projections - The report forecasts a compound annual growth rate (CAGR) of 13.6% for loans from 2024 to 2027, driven by government financing and manufacturing sectors [1][50][54]. - The bank's net interest margin is projected to stabilize around 1.4% by 2026, with a focus on reducing funding costs [1][57][67]. 4. Valuation and Market Comparison - Chongqing Bank's current price-to-book (PB) ratio is 0.54, significantly lower than the industry average of 0.58, indicating potential for valuation recovery [1][72][75]. - The report estimates a target valuation of 0.72 times the 2025 PB, suggesting a 34% upside potential from the current price [1][8][75]. 5. Dividend Policy - The bank has maintained a stable dividend payout ratio of around 30%, which is expected to continue, supporting its high dividend yield of approximately 4.7% [1][75][81].

Investment Rating - The report maintains a "Buy" rating for Chongqing Bank [5][3]. Core Views - Chongqing Bank's Q3 2024 performance met expectations, with notable growth in loans and deposits, optimization of asset-liability structure, and stable asset quality [3]. - The net profit growth forecasts for Chongqing Bank for 2024-2026 have been adjusted to 3.58%, 4.23%, and 5.58%, respectively, with corresponding BVPS estimates of 17.58, 18.67, and 19.83 yuan [3]. - The target price for Chongqing Bank has been raised to 10.15 yuan, corresponding to a 0.58x PB for 2024 [3]. Financial Performance Summary - For Q3 2024, the company's revenue grew by 6.2% year-on-year, with net interest income growth of 0.6% and a significant increase in fee and commission income by 85.6% [3]. - The total assets of Chongqing Bank increased by 11.1% year-on-year, with loans growing by 12% [3]. - The non-performing loan ratio stood at 1.26% at the end of Q3 2024, with a provision coverage ratio of 250.2% [3]. Financial Data Overview - Revenue for 2024 is projected at 13,734 million yuan, with a growth rate of 4.0% [4]. - Net profit attributable to shareholders is expected to reach 5,106 million yuan in 2024, reflecting a growth of 3.6% [4]. - The bank's total assets are forecasted to be 827,003 million yuan by 2024, with a loan total of 440,087 million yuan [10].

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10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 I. 法定/註冊股本變動 | 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 | 股份類別 | A | | 於香港聯交所上市 (註 ...

Investment Rating - The report maintains a "Buy" rating for Chongqing Bank [4][6]. Core Views - Chongqing Bank's performance shows steady growth with a revenue of 10.63 billion and a net profit of 4.43 billion for the first three quarters of 2024, reflecting year-on-year growth of 3.8% and 3.7% respectively [1]. - The bank's asset quality remains stable, with a non-performing loan ratio of 1.26% and a provision coverage ratio of 250.19% as of the end of Q3 2024, indicating improvements in both metrics [3]. - The bank is expected to benefit from the ongoing development of the Chengdu-Chongqing economic circle, with projected net profits of 5.12 billion, 5.36 billion, and 5.64 billion for 2024, 2025, and 2026 respectively, showing growth rates of 3.8%, 4.8%, and 5.1% [4]. Performance Summary - For the first three quarters of 2024, Chongqing Bank's revenue and net profit growth rates were 3.8% and 3.7%, showing slight improvements compared to the first half of 2024 [2]. - Interest income decreased by 1.8% year-on-year, but the decline has narrowed, benefiting from optimized deposit structures [2]. - Non-interest income from fees and commissions surged by 129% year-on-year, although the growth rate has slowed compared to the first half of 2024 [2]. Asset Quality - As of Q3 2024, the non-performing loan amount was 5.44 billion, with a slight increase in both the non-performing loan ratio and the provision coverage ratio compared to the previous quarter [3]. - The bank has made a credit impairment loss provision of 2.69 billion for the first three quarters of 2024, which is 310 million more than the previous year [3]. Asset and Liability Management - Total assets and loans reached 824.1 billion and 430.5 billion respectively by the end of Q3 2024, with year-on-year growth rates of 11.1% and 12.2% [4]. - Total liabilities and deposits were 761.2 billion and 451.7 billion respectively, with year-on-year growth rates of 11.0% and 12.7% [4].

线上线下的各位股东投资者分析师和媒体朋友们大家上午好欢迎参加重庆银行2024年度业绩说明会我是会议主持人侯希蒙风吹万木争新绿雨润千帆竞必韬很高兴在这个春意盎然万物勃发的季节与大家再次相聚线上 共同分享回顾和检视重庆银行2024年经营业绩本次业绩说明会通过上证路演中心重庆银行微信视频号全景网以及其他平台进行同步线上直播并且开通了上证路演中心文字互动渠道欢迎大家积极提问交流 我们将对重点关注的问题进行及时的回复和解答首先我向大家介绍出席本次业绩说明会的团队他们是董事长杨秀明先生独立董事朱艳健先生拟任副行长张培宗先生 副行长张松先生副行长李聪先生副行长首席风险官王伟烈先生下面首先请杨秀明董事长致辞 净利润超55.2亿元同比增长5.6%手续费继佣金净收入同比增长116%占云收占比提高3.4个百分点人均网均利润和成本收入比等多项指标保持全国上市承农商行较好水平三四结构稳中向优 一般贷款增速接近20%票据贴现贷款占比下降5.1个百分点存款占比提升近60%储蓄存款余额增长24%占比提升4.2个百分点推动核心负债比例提升3.2个百分点存款 储蓄成款负息率分别下降20BP 30BP市市质量稳中向好通过科技赋能提升风险管控能力强 ...

Financial Performance - Net profit for the third quarter of 2024 was RMB 1,495,233 thousand, a 3.36% increase from the same period last year[4] - The net profit for the first nine months of 2024 was RMB 4.706 billion, an increase of RMB 207 million or 4.59% compared to the same period last year[18] - Net profit for the first nine months of 2024 was RMB 4.71 billion, compared to RMB 4.50 billion in 2023, representing a year-on-year increase of 4.6%[24] - The net profit attributable to the company's shareholders for the first nine months of 2024 was RMB 4.43 billion, compared to RMB 4.27 billion in 2023, marking an increase of 3.8%[26] - Basic earnings per share for the third quarter stood at RMB 0.40, reflecting a 2.56% increase year-over-year[4] - The company’s basic earnings per share for the first nine months of 2024 was RMB 1.27, compared to RMB 1.23 in 2023, indicating a growth of 3.2%[26] - The operating income for the same period was RMB 10.351 billion, up RMB 393 million or 3.95% year-on-year[18] - For the nine months ended September 30, 2024, the pre-tax profit was RMB 5,218,140 thousand, an increase from RMB 5,102,833 thousand in the same period of 2023, representing a growth of 2.27%[29] Assets and Liabilities - Total assets as of September 30, 2024, reached RMB 824,144,121 thousand, an increase of 8.46% compared to December 31, 2023[4] - Total liabilities amounted to RMB 761,169,123 thousand, up 8.65% from the end of 2023[4] - The company's total assets as of September 30, 2024, amounted to RMB 824.14 billion, up from RMB 759.88 billion at the end of 2023, indicating a growth of 8.5%[28] - Total liabilities as of September 30, 2024, were RMB 761.17 billion, compared to RMB 700.58 billion at the end of 2023, showing an increase of 8.6%[28] Customer Loans and Deposits - Customer loans and advances totaled RMB 433,263,441 thousand, reflecting a growth of 10.26% year-over-year[4] - Customer deposits increased to RMB 463,587,122 thousand, marking an 11.76% rise compared to the previous year[4] - Customer deposits amounted to RMB 463.587 billion, up RMB 48.774 billion or 11.76% from the end of the previous year, with time deposits at RMB 359.717 billion[18] - The total amount of customer loans and advances was RMB 433.263 billion, an increase of RMB 40.328 billion or 10.26% from the end of the previous year[18] - Customer loans and advances increased by RMB (42,389,360) thousand for the nine months ended September 30, 2024, compared to an increase of RMB (34,694,356) thousand in the same period of 2023, reflecting a higher demand for loans[29] - The net increase in customer deposits was RMB 45,478,218 thousand for the nine months ended September 30, 2024, compared to RMB 23,655,434 thousand in the same period of 2023, indicating strong deposit growth[29] Cash Flow - The net cash flow from operating activities for the first nine months was RMB 5,529,548 thousand, a significant recovery from a negative cash flow of RMB (32,384,875) thousand in the previous year[4] - The net cash flow from operating activities for the nine months ended September 30, 2024, was RMB (32,384,875) thousand, compared to RMB (9,072,256) thousand for the same period in 2023, indicating a significant decline in cash flow[29] - The net cash flow from investing activities was RMB 12,307,477 thousand for the nine months ended September 30, 2024, a recovery from a negative cash flow of RMB (18,598,084) thousand in the same period of 2023[30] - The net cash flow from financing activities was RMB 13,783,674 thousand for the nine months ended September 30, 2024, compared to RMB 23,785,643 thousand in the same period of 2023, showing a decrease of 42.05%[30] - The cash and cash equivalents at the end of the period were RMB 13,003,897 thousand as of September 30, 2024, down from RMB 15,646,511 thousand at the end of September 2023[30] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio was 10.02% as of September 30, 2024, compared to 9.78% at the end of 2023[8] - The core tier 1 capital adequacy ratio at the end of the reporting period was 10.02%, meeting the latest regulatory requirements for capital adequacy in the Chinese banking industry[19] - The liquidity coverage ratio improved to 511.75% from 277.49% at the end of 2023[12] - The provision coverage ratio increased to 250.19%, up 16.01 percentage points from the end of the previous year[19] Shareholder Information - The top ten shareholders held a total of 2,052,000,000 shares, accounting for 60.00% of the total share capital, with the largest shareholder holding 33.75%[14] - The company plans to distribute a cash dividend of RMB 1.66 per share to all registered ordinary shareholders, totaling approximately RMB 576.78 million, which accounts for 13.03% of the net profit attributable to ordinary shareholders for the first three quarters of 2024[20] Other Financial Metrics - Interest income for the first nine months of 2024 reached RMB 21.76 billion, an increase from RMB 21.26 billion in the same period of 2023, reflecting a growth of 2.33%[23] - The company reported a net trading income of RMB 291.35 million for the first nine months of 2024, up from RMB 215.35 million in the same period of 2023, reflecting a growth of 35.2%[23] - The interest expense from financing activities was RMB 2,989,352 thousand for the nine months ended September 30, 2024, compared to RMB 2,829,253 thousand in the same period of 2023, reflecting an increase of 5.66%[29] Non-Performing Loans - The non-performing loan balance as of September 30, 2024, was RMB 5.441 billion, an increase of RMB 229 million from the end of the previous year, with a non-performing loan ratio of 1.26%, down 0.08 percentage points[19]

Financial Performance - Net profit for Q3 2024 was RMB 1,495,233 thousand, a 3.36% increase year-on-year [4]. - Basic earnings per share for Q3 2024 was RMB 0.40, reflecting a 2.56% increase compared to the same period last year [4]. - Net profit for the first nine months was CNY 4.706 billion, an increase of CNY 207 million, or 4.59% year-on-year [23]. - Operating income was CNY 10.634 billion, up CNY 387 million, or 3.78% year-on-year [23]. - The bank's net profit attributable to shareholders increased to RMB 26,053,953 thousand, compared to RMB 23,762,205 thousand in the previous year, indicating a growth of around 9.6% [27]. - The bank's total profit for the first nine months of 2024 was RMB 5,218,140 thousand, compared to RMB 5,102,833 thousand in 2023, reflecting a growth of 2.3% [31]. - Net profit attributable to shareholders reached RMB 4,428,072 thousand, representing a 3.7% increase from RMB 4,270,278 thousand in the previous year [31]. - Basic earnings per share rose to RMB 1.27, compared to RMB 1.23 in 2023, indicating a growth of 3.2% [33]. Asset and Liability Management - Total assets increased by 8.46% to RMB 824,144,121 thousand compared to the end of 2023 [3]. - Total liabilities grew by 8.65% to RMB 761,169,123 thousand from the end of 2023 [3]. - The bank's total liabilities amounted to RMB 761,169,123 thousand, an increase from RMB 700,584,443 thousand, which is an increase of about 8.6% [27]. - The bank's total equity attributable to shareholders increased by 6.13% to RMB 60,407,017 thousand compared to the end of 2023 [3]. - The bank's equity attributable to shareholders rose to RMB 60,407,017 thousand, compared to RMB 56,917,734 thousand, reflecting an increase of approximately 6.9% [27]. Customer Loans and Deposits - Customer loans and advances rose by 10.26% to RMB 433,263,441 thousand year-on-year [3]. - Customer deposits increased by 11.76% to RMB 463,587,122 thousand compared to the end of 2023 [3]. - Total customer loans and advances reached CNY 433.263 billion, an increase of CNY 40.328 billion, or 10.26% [22]. - Customer deposits amounted to CNY 463.587 billion, up CNY 48.774 billion, representing an increase of 11.76% [22]. - Loans and advances to customers rose to RMB 419,681,391 thousand, compared to RMB 380,795,540 thousand in December 2023, marking an increase of about 10.2% [26]. Risk Management - Non-performing loan balance was CNY 5.441 billion, an increase of CNY 229 million; non-performing loan ratio was 1.26%, down 0.08 percentage points [23]. - Provision coverage ratio improved to 250.19%, an increase of 16.01 percentage points [23]. - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place [27]. Capital Adequacy - Core Tier 1 capital adequacy ratio stood at 10.02% as of September 30, 2024, up from 9.78% at the end of 2023 [9]. - Core Tier 1 capital adequacy ratio was 10.02%, Tier 1 capital adequacy ratio was 11.37%, and total capital adequacy ratio was 14.68% [23]. Cash Flow and Investment Activities - The net cash flow from operating activities for the first three quarters was RMB (32,384,875) thousand, a 256.97% increase compared to the same period last year [15]. - Total cash inflow from operating activities reached RMB 59,129,920 for the nine months ended September 30, 2024, compared to RMB 40,660,602 in 2023, indicating an increase of about 45.2% [38]. - The net cash flow from investment activities was RMB 12,408,763 for the nine months ended September 30, 2024, a significant recovery from a negative RMB 18,531,102 in the same period of 2023 [42]. - Total cash inflow from investment activities increased to RMB 80,110,285 for the nine months ended September 30, 2024, up from RMB 65,030,598 in 2023, representing a growth of approximately 23.1% [42]. Future Outlook and Strategy - The company aims to maintain steady progress and high-quality development to enhance shareholder value [24]. - The bank plans to expand its market presence and enhance its digital banking capabilities in the upcoming quarters [27]. - The bank plans to continue expanding its market presence and investing in new technologies to enhance operational efficiency and customer service [30].

证券代码：601963 证券简称：重庆银行 公告编号：2024-059 可转债代码：113056 可转债简称：重银转债 上述股份过户完成后，巴渝民宿将成为市地产集团的关联方，市地产集团的 关联方构成将发生变动。 一、本次权益变动完成前后持股情况 （一）本次权益变动前持股情况 重庆银行股份有限公司 关于股东权益变动的提示性公告 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: 本次权益变动未触及要约收购，未导致本行第一大股东发生变化 近日，重庆银行股份有限公司（以下简称"本行"）收到股东重庆市地产集 团有限公司（以下简称"市地产集团"）发来的《重庆市地产集团有限公司关于 权益变动的告知函》，市地产集团关联方重庆市城市害虫防治研究所有限公司， 拟通过非交易过户方式将其持有的本行股份过户至重庆市巴渝民宿集团有限公 司（以下简称"巴渝民宿"）。 本次权益变动前，市地产集团及其关联方合并持有本行股份 173,726,098 股， 持股比例为 5.0000%。具体持股情况如下表列示： | 股东名称 | 股份类别 | 持股数（股 ...