重庆银行股份有限公司 关于小型微型企业贷款专项金融债券发行完毕的公告 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。 证券代码：601963 证券简称：重庆银行 公告编号：2025-022 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 2025 年 3 月 28 日 1 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"）2025 年 小型微型企业贷款专项金融债券（第一期）（以下简称"本期债券"）于 2025 年 3 月 26 日簿记建档，2025 年 3 月 28 日发行完毕。本期债券为 3 年期固定利率债 券，发行规模为人民币 50 亿元，票面利率为 1.98%。 本期债券发行的募集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，全部用于向小型微型企业发放贷款，为小微企业提供金融服务。 特此公告。 ...

Core Points - The 2024 Annual General Meeting (AGM) of Chongqing Bank is scheduled for April 22, 2025 [2] - The meeting will utilize a combination of on-site and online voting methods, with online voting available only for A-share shareholders [2][3] - Various reports will be presented during the AGM, including evaluations of board members and management [6] Meeting Details - The AGM will be held at 9:30 AM on April 22, 2025, at the multifunctional conference hall on the 3rd floor of Chongqing Bank's headquarters [2] - The online voting system will be the Shanghai Stock Exchange's shareholder meeting online voting system, with voting available from 9:15 AM to 3:00 PM on the day of the meeting [3] - Shareholders must register to attend the meeting, providing necessary identification and proof of shareholding [15][16] Voting Procedures - Shareholders can vote through the trading system or the internet voting platform, with specific instructions for those holding multiple accounts [12][13] - Certain resolutions will require separate voting for minority investors and will involve abstention from related shareholders [9][10] Attendance - Eligible A-share shareholders as of the registration date can attend the AGM, and they may appoint proxies to represent them [15] - The meeting will also be attended by the bank's directors, supervisors, senior management, and appointed lawyers [15] Contact Information - For inquiries, shareholders can contact the board office at Chongqing Bank, with provided contact details [17]

证券代码：601963 证券简称：重庆银行 公告编号：2025-021 可转债代码：113056 可转债简称：重银转债 关于召开 2024 年度股东大会的通知 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： 股东大会召开日期：2025年4月22日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 出席本行2024年度股东大会的H股股东的出席事项和方式请参阅本行于 H股市场发布的有关公告 一、召开会议的基本情况 （一）股东大会类型和届次 重庆银行股份有限公司 2024 年度股东大会 （二）股东大会召集人：董事会 （三）投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相 结合的方式，其中网络投票仅适用于 A 股股东 （四）现场会议召开的日期、时间和地点 召开的日期时间：2025 年 4 月 22 日 9 点 30 分 召开地点：重庆银行总行大楼 3 楼多功能会议厅 （五）网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自 2025 ...

2024 年度股东大会 重庆银行股份有限公司 BANK OF CHONGQING CO.,LTD. 2024 年度股东大会 会议文件 （股票代码：A 股 601963 H 股 01963） 2025 年 4 月 22 日 2024 年度股东大会 大 会 议 程 现场会议时间：2025年4月22日（星期二）上午9:30开始 现场会议地点：重庆市江北区永平门街 6 号重庆银行总行大楼 3 楼多功能会议厅 会议议程： （一）宣布现场会议开始 （二）介绍现场参会来宾 （三）审议各项议案 （四）现场股东提问交流 （五）宣布出席会议股东人数、代表股份数 （六）投票表决 （七）统计并宣布现场会议表决结果 （八）律师宣读法律意见书 （九）宣布会议结束 2024 年度股东大会 会议文件目录 普通决议案 | 1. | 关于《2024 | 年度董事会工作报告》的议案 1 | | | --- | --- | --- | --- | | 2. | 关于《2024 | 年度监事会工作报告》的议案 | 11 | | 3. | 关于《2024 | 年度财务决算报告》的议案 | 18 | | 4. | 关于《2024 | 年度利润分配方案》的 ...

Core Insights - Chongqing Bank reported a total asset of 856.64 billion yuan in 2024, an increase of 96.76 billion yuan compared to the end of 2023 [1] - The total loan amount reached 440.62 billion yuan, reflecting a growth of 12.13% year-on-year [1] - Total deposits amounted to 474.12 billion yuan, marking a 14.30% increase from the previous year [1] Financial Performance - Interest income for 2024 was 28.69 billion yuan, up 1.43% from 2023 [2] - Interest expenses increased by 3.79% to 18.51 billion yuan [2] - Net interest income decreased by 2.59% to 10.18 billion yuan [2] - Net fee and commission income surged by 115.73% to 0.89 billion yuan [2] - Investment income rose by 17.50% to 2.36 billion yuan [2] - Operating revenue reached 13.68 billion yuan, a 3.54% increase year-on-year [2] - Net profit attributable to shareholders was 5.12 billion yuan, reflecting a growth of 3.80% [2] Asset Quality - Non-performing loan ratio decreased to 1.25% by the end of 2024 [3] - The proportion of special mention loans fell by 0.72 percentage points to 2.64% [3] - The overdue loan ratio declined by 0.22 percentage points to 1.73% [3] - Provision coverage ratio improved to 245.08%, an increase of 10.90 percentage points year-on-year [3] Dividend Announcement - Chongqing Bank announced a cash dividend plan of 2.48 yuan per 10 shares, totaling 0.86 billion yuan in cash dividends [4]

重庆银行股份有限公司 详式权益变动报告书 上市公司名称：重庆银行股份有限公司 股票上市地点：上海证券交易所、香港联合交易所 股票简称：重庆银行 股票代码：601963.SH（A 股）、01963.HK（H 股） 信息披露义务人之一：重庆渝富资本运营集团有限公司 住所：重庆市两江新区黄山大道东段 198 号 通讯地址：重庆市两江新区黄山大道东段 198 号 信息披露义务人之二：重庆水务环境控股集团有限公司 住所：重庆市渝中区虎踞路 80 号 通讯地址：重庆市渝中区虎踞路 80 号 一致行动人之九：重庆家具总公司 住所：重庆市九龙坡区科创路 65 号附 2-1-2 通讯地址：重庆市九龙坡区科创路 65 号附 2-1-2 一致行动人之一：中国四联仪器仪表集团有限公司 住所：重庆市北碚区蔡家岗镇同熙路 99 号 通讯地址：重庆市北碚区蔡家岗镇同熙路 99 号 一致行动人之二：重庆渝富（香港）有限公司 住所：香港特别行政区油尖旺区尖沙咀海港城金融中心南塔楼 13 楼 5-15 通讯地址：香港特别行政区油尖旺区尖沙咀海港城金融中心南塔楼 13 楼 5-15 一致行动人之三：重庆川仪自动化股份有限公司 住所：重庆市北碚区人 ...

证券代码：601963 证券简称：重庆银行 公告编号：2025-020 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 关于股东权益变动的提示性公告 本次权益变动前，渝富资本及其一致行动人合并持有本行股份 526,396,189 股，持股比例为 15.15%。具体持股情况如下表列示： | | | 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"）收到本行第一大股东重 庆渝富资本运营集团有限公司（以下简称"渝富资本"）发来的关于权益变动的 告知函。为增强国有企业服务与保障国家战略能力，提质提速水务水利和环境基 础设施建设，重庆水务环境控股集团有限公司（以下简称"水务环境"）拟通过 国有股权无偿划转方式合计取得重庆市水利投资（集团）有限公司（以下简称"水 投集团"）100%的股权，从而间接取得本行 8.50%的股份。同时，重庆市国有 资产监督管理委员会将持有的水务环境 80%股权无偿划转给渝富 ...

Investment Rating - The investment rating for Chongqing Bank is "Buy" (maintained) [5] Core Views - Chongqing Bank reported a revenue of 13.7 billion yuan in 2024, a year-on-year increase of 3.54%, and a net profit attributable to shareholders of 5.1 billion yuan, up 3.80% year-on-year. The non-performing loan ratio and provision coverage ratio at the end of Q4 2024 were 1.25% and 245.08%, respectively, showing a slight decrease from the previous quarter [1][2][4] - The bank's performance is supported by a significant increase in income from wealth management and other non-interest income, with net commission income growing by 116% year-on-year [2][3] - The asset quality indicators have shown improvement, with a decrease in the non-performing loan ratio for corporate loans and a stable outlook for personal loans [4][10] Summary by Sections Performance Overview - In 2024, Chongqing Bank's operating income and net profit attributable to shareholders grew by 3.5% and 3.8%, respectively. The net interest income decreased by 2.6% year-on-year, while the net interest margin for 2024 was 1.35%, down 7 basis points from the previous year [2][3] - The bank's fee and commission income saw a remarkable increase, primarily driven by a 95% growth in agency wealth management income [3] Asset Quality - The non-performing loan ratio at the end of Q4 2024 was 1.25%, down 1 basis point from the previous quarter. The attention ratio and overdue ratio also showed improvements [4] - The corporate loan non-performing loan ratio decreased to 0.90%, while the personal loan non-performing loan ratio increased to 2.71% [4][10] Asset and Liability Management - As of Q4 2024, total assets and loans amounted to 8,566 billion yuan and 4,383 billion yuan, respectively, reflecting year-on-year growth of 12.7% and 12.3% [10] - The bank's total liabilities and deposits reached 7,929 billion yuan and 4,610 billion yuan, with year-on-year increases of 13.17% and 13.47% [10] Investment Outlook - Chongqing Bank is expected to benefit from the development opportunities arising from the Chengdu-Chongqing economic circle. The bank's net profit growth is projected to be 3.96%, 4.03%, and 4.18% for 2025-2027 [11]

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].

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 ...