成都银行股份有限公司 自 2024 年 1 月 1 日 至 2024 年 12 月 31 日止年度财务报表 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 审计报告 毕马威华振审字第 2512323 号 成都银行股份有限公司全体股东： 一、审计意见 我们审计了后附的成都银行股份有限公司 (以下简称"成都银行") 年度财务报表，包括 2024 年 12 月 31 日的合并资产负债表和资产负债表，2024 年度的合并利润表和利润表、合并 现金流量表和现金流量表、合并股东权益变动表和股东权益 ...

KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 成都银行股份有限公司 2024 年度非经营性资金占用及 其他关联资金往来情况的专项说明 关于成都银行股份有限公司 2024 年度非经营性资金占用及其他关联资金往来情况的专项说明 毕马威华振专字第 2502844 号 成都银行股份有限公司董事会： 我们接受委托，按照中国注册会计师审计准则审计了成都银行股份有限公司 (以下简称 "成都银行") 2024 年度的财务报表，包括 2024 年 12 月 31 日的合并及母公司资产负债表， 2024 ...

成都银行股份有限公司 2024 年 12 月 31 日内部控制审计报告 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，我们审计了成 都银行股份有限公司 (以下简称"成都银行") 2024 年 12 月 31 日的财务报告内部控制的有效 性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指 引》的规定，建立健全和有效实施内部控制，并评价其有效性是成都银行董事会的责任。 二、注册会计师的责任 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 ...

成都银行股份有限公司 2024 年度独立董事述职报告 述职人：陈存泰 2024 年，本人作为成都银行股份有限公司（以下简称"公 司"）董事会独立董事，按照《中华人民共和国公司法》《中 华人民共和国证券法》《银行保险机构公司治理准则》《上 市公司独立董事管理办法》等法律法规、监管规定和《成都 银行股份有限公司章程》（以下简称"公司章程"）的相关 规定，积极行使独立董事各项职权，依法合规、忠实勤勉地 履行独立董事职责，切实维护公司和股东特别是中小股东的 合法权益。现将本人 2024 年度的履职情况报告如下： 一、本人基本情况 本人陈存泰，马来西亚马来亚大学工程学士、美国夏威 夷大学工商管理硕士。现任马来西亚启顺造纸业有限公司独 立非执行董事、马来西亚合盈资本控股有限公司独立非执行 董事、马来西亚主道咨讯私人有限公司顾问。曾任日立半导 体（马）私人股份有限公司生产工程师；马来西亚国际投资 银行股份有限公司企业金融执行员、助理经理；马来西亚青 年经济发展合作社有限公司总经理；马来西亚澄心保险股份 有限公司执行员；马来西亚联昌投资银行执行员、高级经理、 企业金融主管和管理委员会成员；印度尼西亚联昌尼阿嘎证 券行股份有限 ...

经评估，本行董事会认为陈存泰先生、龙文彬先生、顾 培东先生、马骁先生和余海宗先生五位独立董事符合《上市 公司独立董事管理办法》《上海证券交易所上市公司自律监 管指引第 1 号——规范运作》等规定中对独立董事独立性的 相关要求。 成都银行股份有限公司董事会 2025 年 4 月 28 日 成都银行股份有限公司董事会 关于独立董事独立性情况的专项意见 根据《上市公司独立董事管理办法》《上海证券交易所 股票上市规则》《上海证券交易所上市公司自律监管指引第 1 号——规范运作》等要求，成都银行股份有限公司（以下 简称"本行"）独立董事陈存泰先生、龙文彬先生、顾培东先 生、马骁先生和余海宗先生对自身独立性情况进行了自查并 向本行董事会提交了自查报告，本行董事会对独立董事独立 性情况进行评估并出具如下专项意见： 经核查本行独立董事陈存泰先生、龙文彬先生、顾培东 先生、马骁先生和余海宗先生的任职经历及自查报告，本行 独立董事未在本行担任除独立董事、董事会专门委员会主任 或委员以外的任何职务，也未在本行主要股东、实际控制人 担任任何职务，与本行以及本行主要股东、实际控制人之间 不存在利害关系或其他可能影响其进行独立客观判断的 ...

根据《中华人民共和国公司法》《上市公司治理准则》 《上市公司独立董事管理办法》《上海证券交易所股票上市 规则》《上海证券交易所上市公司自律监管指引第 1 号—— 规范运作》及《成都银行股份有限公司章程》（以下简称"《公 司章程》"）等相关规定，作为成都银行股份有限公司（以 下简称"公司"）的独立董事，在审阅公司第八届董事会第十 二次会议相关事项后，基于独立客观的立场，本着审慎负责 的态度，发表如下独立意见： 成都银行股份有限公司独立董事关于第八届董事会 第十二次会议相关事项的独立意见 三、对公司 2024 年度内部控制评价报告的独立意见 一、对《关于成都银行股份有限公司 2024 年度利润分 配预案的议案》的独立意见 公司 2024 年度利润分配预案符合有关法律法规和监管 规定，符合《公司章程》有关利润分配的政策，符合公司经 营管理的实际需要并充分考虑了投资者的合理投资回报，不 存在损害公司和股东利益的情况。我们同意公司 2024 年度 利润分配预案，并同意将该利润分配预案提交公司股东大会 审议。 二、关于续聘年度会计师事务所的独立意见 毕马威华振会计师事务所（特殊普通合伙）具备相关执 业资质、足够的独立性、 ...

成都银行股份有限公司（以下简称"本公司"）聘请毕马威华 振会计师事务所（特殊普通合伙）（以下简称"毕马威华振"）作 为本公司 2024 年度财务及内部控制审计机构。根据财政部、国 务院国有资产监督管理委员会及中国证券监督管理委员会颁布 的《国有企业、上市公司选聘会计师事务所管理办法》（财会 〔2023〕4 号），本公司对毕马威华振在审计过程中的履职情况进 行了评估。具体情况如下： 一、聘任会计师事务所履行的程序 成都银行股份有限公司对会计师事务所 2024 年度履职情况评估报告 2024 年 6 月 12 日，经 2023 年年度股东大会审议通过，本公 司聘请毕马威华振担任本公司 2024 年度财务报表审计机构和 2024 年度内部控制审计机构。 二、2024 年度会计师事务所履职情况 毕马威华振按照与本公司签订的业务约定书，遵循相关审计 准则和其他执业规范、守则，为本公司提供 2024 年度财务报表 审计、内部控制审计及其他相关专业服务等。 在执行审计及其他专项工作过程中，毕马威华振与本公司董 事会关联交易控制与审计委员会和管理层进行了必要的沟通。 1 按时提交审计报告，较好的完成了本公司委托的工作。 三、 ...

证券代码：601838 证券简称：成都银行 公告编号：2025-033 成都银行股份有限公司 关于 2025 年度日常关联交易预计额度的公告 本公司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： 2025 年 4 月 28 日，成都银行股份有限公司（以下简称"本公 司"或"本行"）第八届董事会第十二次会议审议通过了《关于成都 银行股份有限公司 2025 年度日常关联交易预计额度的议案》，关联 董事王晖、王永强、付剑峰、余力、马晓峰回避表决。 该日常关联交易事项须提交股东大会审议。 该日常关联交易事项对本公司的持续经营能力、盈利能力及资 产状况不构成重要影响。 一、日常关联交易基本情况 （一）日常关联交易预计额度履行的审议程序 2025 年 4 月 28 日，本公司第八届董事会第十二次会议审议通过 了《关于成都银行股份有限公司 2025 年度日常关联交易预计额度的 议案》，关联董事王晖、王永强、付剑峰、余力、马晓峰回避表决。 该议案须提交股东大会审议，关联股东将回避表决。本议案在提交董 事会审议前已经本公司第八届董事 ...

Financial Performance - Total assets reached RMB 1.25 trillion, with deposits of RMB 880 billion and loans of RMB 740 billion, marking a continuous growth of over RMB 100 billion for four consecutive years[17]. - Operating income and net profit exceeded RMB 22 billion and RMB 12 billion respectively, with a weighted average return on equity of 17.81%[17]. - Annual operating income was CNY 22.982 billion, representing a 5.89% growth year-over-year[29]. - Net profit attributable to shareholders was CNY 12.858 billion, up 10.17% from the previous year[29]. - Basic earnings per share reached CNY 3.28, a 0.27% increase year-over-year[29]. - The company's operating revenue for 2024 reached ¥22,981,527, an increase of 5.89% compared to ¥21,702,189 in 2023[43]. - Net profit for 2024 was ¥12,850,233, reflecting a growth of 10.10% from ¥11,671,933 in 2023[43]. - The company's total liabilities increased by 14.15% to ¥1,164,211,707 in 2024, up from ¥1,019,923,459 in 2023[43]. Asset Quality - Non-performing loan ratio decreased for nine consecutive years to 0.66%, maintaining the best asset quality in the industry[17]. - The non-performing loan ratio improved to 0.66%, marking a decline for nine consecutive years[29]. - Provision coverage ratio was 479.29%, maintaining a strong risk resistance capability among listed banks[29]. - The non-performing loan ratio improved to 0.66% in 2024, down from 0.68% in 2023[46]. - The provision coverage ratio for non-performing loans was reported at 479.29% in 2024, slightly down from 504.29% in 2023[46]. Market Position and Recognition - The company ranked 359th in the Fortune China 500 list, marking its first entry into the ranking[17]. - The company entered the Fortune China 500 for the first time, ranking 359th[29]. - The company was recognized multiple times as a "Monthly Active Trading Merchant" and "Annual Market Innovative Institution" in the interbank market, showcasing its competitive edge[85]. Loan and Deposit Growth - Total deposits amounted to CNY 885.859 billion, growing by 13.51% compared to the previous year[29]. - Total loans stood at CNY 742.568 billion, reflecting an 18.67% year-over-year increase[29]. - Personal consumption loan issuance and balance increased by over 100% and 120% respectively compared to the previous planning period[22]. - The company expanded its retail customer base to over 10 million, with new savings deposits reaching a historical peak of 84.3 billion yuan[34]. - Personal customer deposits grew by 23.79% to 438.42 billion, while corporate customer deposits increased by 3.79% to 405.45 billion[140]. Technological Advancements - The company implemented a new ticket business system that reduced processing time by 80%, significantly enhancing operational efficiency and customer experience[19]. - The company plans to accelerate the launch of important IT projects to enhance "finance + technology" integration[35]. - The monthly active user base for mobile banking reached 1.39 million, showcasing significant growth in digital engagement[34]. - The company expanded its electronic banking services, optimizing customer transaction experiences and increasing customer loyalty[87]. Risk Management - The company is focused on risk management, with effective measures in place to prevent systemic risks and enhance credit risk control[32]. - The company has strengthened its risk management framework, implementing new regulations to enhance operational risk management across banking and insurance institutions[76]. - Credit risk remains a significant concern, primarily related to loan portfolios and investment portfolios[200]. Green Finance Initiatives - The proportion of green loans has been continuously increasing, reflecting the company's commitment to supporting green, low-carbon, and circular economies[31]. - The company launched the first carbon emission reduction-linked loan, emphasizing its commitment to green finance and low-carbon transformation[79]. - Green loan balance ranked first among legal entities in Sichuan Province, with an increasingly完善的绿色融资服务体系[19]. Strategic Development - The company has established a comprehensive financial service ecosystem for inclusive finance, focusing on small and micro enterprises[19]. - The company is committed to long-termism and innovation, aiming to transform from a product provider to a value co-creator[35]. - The company achieved a historic high in credit issuance of nearly 400 billion yuan for the year, with new investments in local and credit bonds exceeding 40 billion yuan[30]. - The company aims to achieve 100% coverage of key regional industrial chains through comprehensive financial support[30]. Investment and Acquisitions - The company completed the acquisition of 100% of Sichuan Ming Mountain Jin Cheng Village Bank, enhancing its market presence[153]. - The company plans to increase its registered capital in Sichuan Jincheng Consumer Finance Company from 420 million to 1 billion, enhancing its investment capacity[156].

Financial Performance - Total revenue for Q1 2025 reached RMB 5,816,960, an increase of 3.17% compared to RMB 5,638,180 in Q1 2024[10] - Net profit for Q1 2025 was RMB 3,011,878, reflecting a growth of 5.64% from RMB 2,851,129 in Q1 2024[10] - Operating profit increased by 5.32% to RMB 3,548,462 in Q1 2025, up from RMB 3,369,264 in the same period last year[10] - Operating revenue was CNY 5.817 billion, reflecting a year-on-year increase of CNY 0.179 billion or 3.17%[21] - Net profit attributable to shareholders was CNY 3.012 billion, up CNY 0.161 billion or 5.64% year-over-year[21] - Total comprehensive income for Q1 2025 was CNY 1,946,014 thousand, down 40.5% from CNY 3,275,922 thousand in Q1 2024[50] - Basic earnings per share for Q1 2025 was RMB 0.71, a decrease of 5.33% compared to RMB 0.75 in Q1 2024[11] - Basic earnings per share were CNY 0.71, with a return on equity of 3.70%[21] Assets and Liabilities - Total assets as of March 31, 2025, amounted to RMB 1,334,807,829, representing a 6.77% increase from RMB 1,250,116,154 at the end of 2024[11] - The total liabilities reached CNY 1,246,159,369 thousand as of March 31, 2025, compared to CNY 1,164,211,707 thousand on December 31, 2024[46] - The company's equity attributable to shareholders was CNY 88,648,460 thousand as of March 31, 2025, up from CNY 85,855,452 thousand on December 31, 2024[46] Loans and Deposits - The total amount of loans and advances increased by 8.74% to RMB 807,467,842 compared to RMB 742,568,225 at the end of 2024[11] - Customer deposits grew by 8.91% to RMB 964,771,178 from RMB 885,859,340 at the end of 2024[11] - Total loans reached CNY 807.468 billion, an increase of CNY 64.900 billion or 8.74% from the previous year[20] - The total balance of loans classified as normal was CNY 797,536,145 thousand, accounting for 98.93% of total loans as of March 31, 2025, compared to 98.91% on December 31, 2024[40] Cash Flow and Investments - The cash flow from operating activities showed a significant decline, with a net cash flow of RMB 64,163,207 compared to a negative RMB 975,242 in the previous year, a change of -6679.21%[10] - Cash flow from operating activities generated a net amount of CNY 64,163,207 thousand, a significant improvement from a net outflow of CNY 975,242 thousand in Q1 2024[53] - Investment activities resulted in a net cash outflow of CNY 18,477,684 thousand in Q1 2025, contrasting with a net inflow of CNY 12,947,456 thousand in Q1 2024[55] Risk Management and Capital Adequacy - The weighted average return on equity decreased to 3.70% from 4.26% in the previous year, a decline of 0.56 percentage points[11] - The non-performing loan ratio stood at 0.66%, maintaining stability[22] - Provision coverage ratio was 456.00%, indicating strong risk management[22] - The liquidity coverage ratio was 183.59%, demonstrating ample liquidity[23] - The core Tier 1 capital adequacy ratio was 8.84% as of March 31, 2025, slightly down from 9.06% on December 31, 2024[34] - The leverage ratio decreased to 6.44% as of March 31, 2025, compared to 6.62% on December 31, 2024[36] - The liquidity coverage ratio was 183.59% as of March 31, 2025, down from 211.09% on December 31, 2024[38] Other Notable Events - The company completed the transfer of a 62% stake in Jiangsu Baoying Jincheng Village Bank, effective January 10, 2025[24] - The net increase in customer deposits and interbank placements was CNY 76,155,389 thousand, compared to CNY 53,175,599 thousand in Q1 2024[53] - The company continues to focus on maintaining a strong capital structure and improving asset quality, as indicated by the stable performance of normal loans and capital adequacy ratios[34][40]