重庆银行股份有限公司 第六届监事会第四十四次会议决议公告 本行监事会及全体监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 2025 年 4 月 23 日发出第六 届监事会第四十四次会议通知，会议以书面传签表决方式召开，表决截止日为 2025 年 4 月 25 日。会议应参会监事 7 名，实际参会监事 7 名。会议的召开符合 法律法规及《重庆银行股份有限公司章程》的有关规定。 会议审议通过了以下议案： 一、关于《重庆银行股份有限公司 2025 年第一季度报告》的议案 证券代码：601963 证券简称：重庆银行 公告编号：2025-028 可转债代码：113056 可转债简称：重银转债 议案表决情况：有效表决票 7 票，同意 7 票，反对 0 票，弃权 0 票。 监事会认为，《重庆银行股份有限公司 2025 年第一季度报告》的编制和审 核程序符合有关法律、行政法规和监管规定，报告内容真实、准确、完整地反映 了本行实际情况。 二、关于重庆银行股份有限公司原首席风险官黄华盛经济责任审计报告的 议案 议案表决情 ...

证券代码：601963 证券简称：重庆银行 公告编号：2025-027 可转债代码：113056 可转债简称：重银转债 会议审议通过了以下议案： 一、关于 2025—2027 年资本规划的议案 议案表决情况：有效表决票 11 票，同意 11 票，反对 0 票，弃权 0 票。 二、关于《重庆银行股份有限公司估值提升计划》的议案 议案表决情况：有效表决票 11 票，同意 11 票，反对 0 票，弃权 0 票。 三、关于《重庆银行股份有限公司 2025 年第一季度报告》的议案 议案表决情况：有效表决票 11 票，同意 11 票，反对 0 票，弃权 0 票。 重庆银行股份有限公司 第七届董事会第九次会议决议公告 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。 重庆银行股份有限公司（以下简称"本行"）于 2025 年 4 月 11 日发出第七 届董事会第九次会议通知，会议于 4 月 25 日以现场会议方式在本行总行 27 楼三 会议室召开。会议由杨秀明董事长主持，应参会董事 11 名，实际亲自参会董事 10 名，朱燕建董事委托刘瑞晗董事出 ...

Core Viewpoint - Chongqing Bank reported strong financial performance in Q1 2025, with total assets exceeding 900 billion yuan and a focus on strategic initiatives to support regional development and optimize services [1] Financial Performance - As of the end of Q1 2025, total assets reached 931.6 billion yuan, an increase of 8.8% compared to the end of the previous year [1] - Net profit for Q1 2025 was 1.707 billion yuan, reflecting a year-on-year growth of 5.4% [1] - Operating income amounted to 3.581 billion yuan, also up 5.3% year-on-year, marking five consecutive quarters of growth in both profit and revenue [1] - The non-performing loan ratio decreased by 0.04 percentage points to 1.21%, while the provision coverage ratio increased by 2.5 percentage points to 247.6% [1] Market Position - In Q1 2025, Chongqing Bank's total asset growth, loan growth, and deposit growth were among the highest in the Chongqing banking sector [1] - The total asset increment in Q1 2025 was 3.6 times that of the same period last year, with deposit growth at 2.1 times and general loan growth at 2.2 times [1] Strategic Initiatives - Chongqing Bank actively supports major strategic projects, contributing to the construction of the Chengdu-Chongqing economic circle by financing over 70 major projects in Q1 2025, with a credit balance increase of over 30 billion yuan [2] - The bank also supported the construction of the Western Land-Sea New Corridor, with financing balance growth exceeding 10 billion yuan in Q1 2025 [2] - The bank provided over 20 billion yuan in loans to state-owned enterprises and park construction in the city as part of its reform initiatives [2] Support for Real Economy - Chongqing Bank focuses on supporting the high-quality development of the manufacturing sector, with manufacturing loans increasing by nearly 4 billion yuan in Q1 2025 [3] - Loans to technology enterprises grew by over 12 billion yuan, reflecting the bank's commitment to fostering innovation [3] - The bank enhanced its green finance initiatives, with green loans increasing by over 11 billion yuan [3] - The "Xiyu Jinfu" inclusive finance brand continued to perform well, with inclusive loans growing by nearly 7 billion yuan [3]

Financial Performance - Operating income for Q1 2025 was RMB 3.50 billion, reflecting a 6.05% increase year-on-year[5] - Net profit for the quarter reached RMB 1.71 billion, up by 5.43% from the same period last year[5] - Basic earnings per share were RMB 0.47, representing a 6.82% increase year-on-year[5] - The net profit for the three months ended March 31, 2025, was CNY 1.707 billion, an increase of CNY 0.088 billion, representing a growth of 5.43% year-on-year[18] - Operating income for the same period was CNY 3.496 billion, an increase of CNY 0.200 billion, with a growth rate of 6.05%[18] - Net interest income for Q1 2025 reached RMB 3,144,055 thousand, an increase of 28.0% compared to RMB 2,454,742 thousand in Q1 2024[22] - Total operating income for Q1 2025 was RMB 3,496,188 thousand, up 6.1% from RMB 3,296,629 thousand in Q1 2024[22] - The net profit for Q1 2025 was RMB 1,706,879 thousand, representing a 5.4% increase from RMB 1,619,038 thousand in Q1 2024[22] Asset and Liability Management - Total assets increased by 8.76% to RMB 931.70 billion compared to the end of 2024[5] - Total liabilities grew by 9.38% to RMB 867.24 billion from the previous year[5] - Customer loans and advances rose by 7.48% to RMB 473.59 billion year-on-year[5] - Customer deposits increased by 10.48% to RMB 523.82 billion compared to the end of 2024[5] - As of March 31, 2025, the total assets of the group reached CNY 931.699 billion, an increase of CNY 75.057 billion, representing a growth of 8.76% compared to the end of the previous year[17] - Customer deposits amounted to CNY 523.824 billion, an increase of CNY 49.707 billion, with a growth rate of 10.48%[17] - Total customer loans and advances reached CNY 473.589 billion, an increase of CNY 32.973 billion, reflecting a growth of 7.48%[17] - The company’s total liabilities increased to RMB 867,235,100 thousand as of March 31, 2025, compared to RMB 792,877,922 thousand at the end of 2024, reflecting a growth of 9.3%[25] Capital Adequacy and Ratios - The core tier 1 capital ratio stood at 9.12%, down from 9.88% at the end of 2024[8] - The capital adequacy ratio at the end of the reporting period was 13.40%, with a decline of 1.06 percentage points compared to the end of the previous year[20] - The group’s core tier 1 capital adequacy ratio was 9.12%, down 0.76 percentage points from the previous year-end[20] - The leverage ratio was 6.23%, down from 6.66% at the end of 2024[11] Cash Flow Analysis - Cash flow from operating activities for Q1 2025 was RMB 41,375,516 thousand, a significant recovery from a negative cash flow of RMB 19,281,439 thousand in Q1 2024[26] - Cash flow from investing activities for Q1 2025 showed a net outflow of RMB 36,502,508 thousand, compared to a net inflow of RMB 22,293,332 thousand in Q1 2024[27] - Cash flow from financing activities resulted in a net outflow of RMB 4,479,067 thousand, an improvement from RMB 9,576,375 thousand in Q1 2024[27] - The net increase in cash and cash equivalents for Q1 2025 was RMB 426,585 thousand, contrasting with a decrease of RMB 6,554,848 thousand in Q1 2024[27] - The ending balance of cash and cash equivalents rose to RMB 16,696,427 thousand from RMB 12,747,581 thousand in the previous year[27] Shareholder Information - The top ten shareholders held a total of 2.99 billion shares, accounting for 86.01% of the total share capital[16] - Pledged shares amounted to 130.568 million shares, accounting for 3.76% of the total share capital[19] Non-Performing Loans - The non-performing loan balance was CNY 5.694 billion, with a non-performing loan ratio of 1.21%, a decrease of 0.04 percentage points from the end of the previous year[17] Other Comprehensive Income - The company’s other comprehensive income for Q1 2025 was a loss of RMB 1,007,219 thousand, compared to a gain of RMB 462,061 thousand in Q1 2024[24] Investment Activities - Cash received from the disposal of fixed assets, intangible assets, and other long-term assets decreased to RMB 6,412 thousand from RMB 12,848 thousand year-over-year[27] - Cash received from investment recoveries significantly dropped to RMB 11,952,895 thousand from RMB 27,392,609 thousand in the previous year[27] - Cash paid for investments surged to RMB 50,396,372 thousand, compared to RMB 7,475,583 thousand in Q1 2024[27] - Cash paid for dividends to shareholders was RMB 552,408 thousand, marking a new expense in Q1 2025[27] Exchange Rate Impact - The impact of exchange rate changes on cash and cash equivalents was an increase of RMB 32,644 thousand, up from RMB 9,634 thousand in the previous year[27]

Financial Performance - Operating income for Q1 2025 was CNY 3,581,312,000, reflecting a 5.30% increase year-over-year[4] - Net profit for Q1 2025 reached CNY 1,706,879,000, marking a 5.43% increase compared to the same period last year[4] - Basic earnings per share for Q1 2025 was CNY 0.47, up by 6.82% year-over-year[4] - The net profit for the first quarter of 2025 was RMB 1.71 billion, an increase of RMB 88 million or 5.43% year-on-year[21] - Operating income for the first quarter was RMB 3.58 billion, up RMB 180 million or 5.30% year-on-year[21] - Net profit for Q1 2025 was RMB 1,537,319 thousand, representing a growth of 5.13% from RMB 1,462,233 thousand in Q1 2024[33] - Operating profit for Q1 2025 was RMB 1,710,177 thousand, slightly up from RMB 1,689,566 thousand in Q1 2024, indicating a year-on-year increase of 1.24%[32] - The bank's total comprehensive income for Q1 2025 was RMB 530,100 thousand, a significant decrease from RMB 1,924,294 thousand in Q1 2024[33] Asset and Liability Management - Total assets increased by 8.76% to CNY 931,698,877,000 as of March 31, 2025, compared to CNY 856,641,840,000 at the end of 2024[4] - Total liabilities increased by 9.38% to CNY 867,235,100,000, up from CNY 792,877,922,000[4] - Customer loans and advances rose by 7.48% to CNY 473,589,226,000 from CNY 440,616,361,000[4] - Customer deposits grew by 10.48% to CNY 523,824,019,000 compared to CNY 474,116,904,000[4] - As of March 31, 2025, the total assets of the group reached RMB 931.70 billion, an increase of RMB 75.06 billion or 8.76% compared to the end of the previous year[20] - Total customer loans and advances reached RMB 473.59 billion, an increase of RMB 32.97 billion or 7.48% compared to the end of the previous year[20] - The bank's total deposits reached RMB 523,025,653 thousand as of March 31, 2025, up from RMB 473,384,884 thousand at the end of 2024, representing a growth of about 10.5%[27] - Total liabilities reached RMB 819,532,427 thousand as of March 31, 2025, compared to RMB 748,548,116 thousand at the end of 2024, indicating an increase of about 9.5%[27] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio decreased to 9.12% from 9.88% at the end of 2024[9] - The liquidity coverage ratio was 279.03%, down from 553.64% at the end of 2024[13] - The core Tier 1 capital adequacy ratio was 9.12%, down 0.76 percentage points from the end of the previous year[21] - The provision coverage ratio increased to 247.59%, up 2.51 percentage points from the end of the previous year[20] - The company reported a cost-to-income ratio of 22.80%, an increase of 0.82 percentage points year-on-year[21] Shareholder Information - The number of ordinary shareholders was 36,974, with the largest shareholder holding 33.75% of the shares[14] - The total number of shares held by the top ten shareholders accounted for 24.02% of the total shares[16] Cash Flow and Investment Activities - The net cash flow from operating activities for Q1 2025 was RMB 41,375,516 thousand, a significant improvement compared to a negative cash flow of RMB 19,281,439 thousand in Q1 2024[34] - The bank's investment activities resulted in a net cash outflow of RMB 36,502,508 thousand in Q1 2025, contrasting with a net inflow of RMB 22,293,332 thousand in Q1 2024[35] - The bank issued bonds and certificates of deposit, generating cash inflow of RMB 15,933,031 thousand in Q1 2025, down from RMB 24,465,725 thousand in Q1 2024[36] - Cash received from investment income in Q1 2025 was CNY 2,112,899 thousand, a decrease of 17% from CNY 2,538,315 thousand in Q1 2024[39] - Cash paid for investment activities in Q1 2025 was CNY 50,396,372 thousand, significantly higher than CNY 7,475,583 thousand in Q1 2024[39] - Cash paid for debt repayment in Q1 2025 was CNY 19,520,000 thousand, down from CNY 33,650,000 thousand in Q1 2024[40] - The impact of exchange rate changes on cash and cash equivalents was an increase of CNY 32,644 thousand in Q1 2025, compared to CNY 9,634 thousand in Q1 2024[40]

Group 1 - The core point of the article is that Chongqing Bank (601963) reported its financial performance for the first quarter of 2025, showing growth in both revenue and net profit [1] Group 2 - The bank's operating revenue for Q1 2025 reached 3.581 billion yuan, representing a year-on-year increase of 5.30% [1] - The net profit for the same period was 1.707 billion yuan, with a year-on-year growth of 5.43% [1]

Core Insights - In 2024, 14 out of 17 A-share listed city commercial banks have reported their financial results, with 13 showing positive revenue growth, while only Zhengzhou Bank experienced a decline [1][2][4] - Beijing Bank fell to third place in net profit rankings, overtaken by Ningbo Bank, with a slight increase of 0.81% year-on-year [1][5][6] - Asset quality improved for 10 banks, with a decrease in non-performing loan (NPL) ratios, while Zhengzhou Bank had the highest NPL ratio at 1.79% [1][7][10] Revenue Performance - Jiangsu Bank led with a revenue of 808.15 billion yuan, followed by Beijing Bank and Ningbo Bank, both exceeding 600 billion yuan [3][4] - Zhengzhou Bank reported a revenue decline of 5.78%, dropping to the 11th position among the banks [2][4] - Nanjing Bank showed strong performance with a revenue increase of 11.32%, reaching 502.73 billion yuan [4] Net Profit Analysis - The top three banks in net profit were Jiangsu Bank (318.43 billion yuan), Ningbo Bank (271.27 billion yuan), and Beijing Bank (258.31 billion yuan) [5][6] - Beijing Bank's net profit growth was the lowest in four years, while Qingdao Bank, Hangzhou Bank, and Qilu Bank reported significant growth rates exceeding 17% [6] Asset Quality Metrics - Ten banks reported a decrease in NPL ratios, with Zhengzhou Bank having the highest at 1.79% [8][10] - The provision coverage ratios for all banks were above the regulatory minimum of 150%, with Hangzhou Bank leading at 541.45% [11][12] Asset Growth - Total assets for the 14 banks showed positive growth, with Jiangsu Bank, Suzhou Bank, and Ningbo Bank exceeding 15% growth [13][15] - Beijing Bank maintained the largest asset size at over 4.2 trillion yuan, while Xiamen Bank had the smallest at 407.83 billion yuan [15][16] Strategic Insights - Banks are focusing on regional advantages and optimizing their business strategies to enhance competitiveness [16][17] - Nanjing Bank aims for high-quality development and value creation, while Hangzhou Bank emphasizes regional marketing strategies [17]

■■■■■■■■■■■■■ | ■■■■■ | 2024■■■ | 2023■■■ | ■■■■■■■(%) | 2022■■■ | | --- | --- | --- | --- | --- | | ■■■■■■■■■ | 0.2500 | 0.3200 | -21.88 | 0.2500 | | ■■■■■■■■ | 0 | 3.43 | -100 | 3.15 | | ■■■■■(■) | 0.67 | 0.68 | -1.47 | 0.68 | | ■■■■■■■(■) | 1.60 | 1.47 | 8.84 | 1.24 | | ■■■■■■■(■) | - | - | - | - | | ■■■■(■■) | 101.62 | 102.61 | -0.96 | 87.36 | | ■■■(■■) | 3.83 | 4.99 | -23.25 | 4 | | ■■■■■■(%) | 6.96 | 9.57 | -27.27 | 8.28 | ■■■■■■■■■■■■■■■>> ■■■10■■■■■■■■■■■■ ■■■■■■■■■■■■ 115684.98■■■■■■■■■■■ 74.09%■■■ ...

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 ...

Group 1 - The cultural exchange initiated by the internet celebrity "Jia Kang Ge" has significantly boosted the popularity of "Rongchang Lu Goose," leading to a surge in orders and global exposure for the dish [1] - The number of tourists in Rongchang has increased by 152.3% year-on-year, and the online exposure rate of "Rongchang Lu Goose" has grown by over 4050% [1] - The local economy, including the restaurant, accommodation, and transportation sectors, has benefited from the influx of visitors seeking to taste the dish [1] Group 2 - The People's Bank of China, Chongqing Branch, has implemented financial support measures to boost consumption, particularly focusing on the "Lu Goose" industry in Rongchang [2] - Financial institutions are enhancing payment services for key merchants in the "Lu Goose" industry to convert traffic into sustained consumer engagement [2] Group 3 - Chongqing Sanxia Bank Rongchang Branch has provided a credit line of 1 million yuan to Chongqing Jiang Ge Food Technology Co., Ltd., supporting the integration of over 30 local agricultural products into its supply chain [3] - The online sales of "Rongchang Lu Goose" have seen an average increase of 105%, with the slaughter volume of white geese rising by over 300% [3] Group 4 - Chongqing Bank Rongchang Branch has issued a loan of 3 million yuan to enhance the processing capabilities of upstream enterprises in the "Lu Goose" industry, improving slaughter efficiency by 30% [4] - The support from financial institutions has played a crucial role in the standardization and scaling of "Rongchang Lu Goose" production, showcasing the synergy between local passion and financial backing [4]