Bank of Chengdu(SH:601838)2025-08-26 13:20Section I Important Notice, Table of Contents, and Definitions This section covers important notices, the report's structure, and key term definitions 1.1 Important Notice The Board, Supervisory Board, and senior management ensure the semi-annual report's accuracy, with the financial report reviewed by KPMG Huazhen, and no major risks or irregular financial activities identified - The company's semi-annual report is unaudited but has been reviewed by KPMG Huazhen LLP, which issued a review report6 - During the reporting period, the Bank did not propose any semi-annual profit distribution or capital reserve to share capital conversion plans7 - The Bank has no non-operating fund occupation by controlling shareholders or their related parties, nor has it provided external guarantees in violation of decision-making procedures89 Table of Contents This section outlines the report's structure, detailing seven main chapters covering important notices, company profile, management discussion and analysis, corporate governance, significant events, share changes and shareholder information, and financial reports Definitions This section defines common terms used in the report, ensuring consistent understanding, such as 'The Bank/Company/Chengdu Bank' referring to Bank of Chengdu Co., Ltd., and 'Reporting Period' to January 1 to June 30, 2025 - The 'Reporting Period' is defined as January 1, 2025, to June 30, 202514 Section II Company Profile and Key Financial Indicators This section provides an overview of Chengdu Bank's basic information, key financial data, and business metrics over recent years 2.1-2.8 Company Basic Information This section details Chengdu Bank's legal name, addresses, contact information, disclosure media, stock details, registration date, and accounting firm, alongside its 2024-2025 accolades, including a 170th ranking in The Banker's Top 1000 World Banks - Chengdu Bank ranked 170th in The Banker magazine's 2025 Top 1000 World Banks, an improvement of 14 places from the previous year17 - The company's registered address is No. 16 Xiyu Street, Qingyang District, Chengdu, Sichuan Province, with stock code 601838, listed on the Shanghai Stock Exchange1517 2.10 Key Accounting Data and Financial Indicators for the Past Three Years This section presents Chengdu Bank's key accounting data and financial indicators for the past three years (H1 2023-2025), including operating income, net profit, total assets, total liabilities, EPS, ROE, NPL ratio, and provision coverage, reflecting its stable financial performance and asset quality 2.10 (I) Key Accounting Data for the Past Three Years In H1 2025, Chengdu Bank's operating income reached 12.27 billion Yuan, a 5.91% year-on-year increase; net profit was 6.62 billion Yuan, up 7.29%; net cash flow from operating activities significantly grew to 49.18 billion Yuan, a 1,493.60% increase; total assets and deposits grew by 9.77% and 11.02% respectively 2025年上半年主要会计数据（单位：千元） | 项目 | 2025年1-6月 | 2024年1-6月 | 本报告期比上年同期增减 | | :--- | :--- | :--- | :--- | | 营业收入 | 12,269,651 | 11,585,057 | 5.91% | | 净利润 | 6,616,567 | 6,167,267 | 7.29% | | 经营活动产生的现金流量净额 | 49,183,294 | -3,529,214 | 1,493.60% | | 总资产（期末） | 1,372,224,705 | 1,250,116,154 | 9.77% | | 吸收存款（期末） | 983,480,964 | 885,859,340 | 11.02% | 2.10 (II) Key Financial Indicators for the Past Three Years In H1 2025, basic earnings per share was 1.57 Yuan, a 3.09% year-on-year decrease; weighted average return on equity fell by 1.08 percentage points to 7.94%; net cash flow from operating activities per share significantly increased to 11.60 Yuan 2025年上半年主要财务指标 | 项目 | 2025年1-6月 | 2024年1-6月 | 本报告期比上年同期增减 | | :--- | :--- | :--- | :--- | | 基本每股收益（元/股） | 1.57 | 1.62 | -3.09% | | 加权平均净资产收益率 | 7.94% | 9.02% | 下降1.08个百分点 | | 每股经营活动产生的现金流量净额（元/股） | 11.60 | -0.93 | 1,347.31% | 2.10 (III) Supplementary Financial Indicators for the Past Three Years As of June 2025, the non-performing loan ratio remained at 0.66%, flat with year-end, though provision coverage and loan loss provision ratios decreased; asset profit margin and cost-to-income ratio both improved 2025年6月末补充财务指标 | 项目 | 2025年6月30日 | 2024年12月31日 | | :--- | :--- | :--- | | 不良贷款率 | 0.66% | 0.66% | | 拨备覆盖率 | 452.65% | 479.29% | | 贷款拨备率 | 2.98% | 3.16% | | 资产利润率（年化） | 1.01% | 1.08% | | 成本收入比 | 23.18% | 23.79% | Key Accounting Data for the Past Three Years (Unit: Thousand Yuan) | 项目 | 2025年1-6月 | 2024年1-6月 | 本报告期比上年同期增减 | 2023年1-6月 | | :--- | :--- | :--- | :--- | :--- | | 营业收入 | 12,269,651 | 11,585,057 | 5.91% | 11,109,888 | | 净利润 | 6,616,567 | 6,167,267 | 7.29% | 5,576,447 | | 经营活动产生的现金流量净额 | 49,183,294 | -3,529,214 | 1,493.60% | -34,402,388 | | 总资产（2025年6月30日/2024年12月31日/2023年12月31日） | 1,372,224,705 | 1,250,116,154 | 9.77% | 1,091,243,069 | | 吸收存款（2025年6月30日/2024年12月31日/2023年12月31日） | 983,480,964 | 885,859,340 | 11.02% | 780,421,289 | Key Financial Indicators for the Past Three Years | 项目 | 2025年1-6月 | 2024年1-6月 | 本报告期比上年同期增减 | 2023年1-6月 | | :--- | :--- | :--- | :--- | :--- | | 基本每股收益（元/股） | 1.57 | 1.62 | -3.09% | 1.49 | | 加权平均净资产收益率 | 7.94% | 9.02% | 下降1.08个百分点 | 9.54% | | 每股经营活动产生的现金流量净额（元/股） | 11.60 | -0.93 | 1,347.31% | -9.02 | | 不良贷款率（2025年6月30日/2024年12月31日/2023年12月31日） | 0.66% | 0.66% | - | 0.68% | | 拨备覆盖率（2025年6月30日/2024年12月31日/2023年12月31日） | 452.