Group 1 - The article discusses the performance and strategic initiatives of Bank of Chongqing, highlighting its growth in assets and profitability [1] - Bank of Chongqing reported a year-on-year increase in total assets, reaching approximately 1 trillion yuan, marking a growth of 15% [1] - The bank's net profit for the last fiscal year was reported at 10 billion yuan, reflecting a 12% increase compared to the previous year [1] Group 2 - The article emphasizes the bank's focus on digital transformation and enhancing customer experience through technology [1] - Bank of Chongqing has been expanding its service offerings, including wealth management and personal banking products, to attract a broader customer base [1] - The bank aims to strengthen its market position by increasing its presence in underserved regions and enhancing its branch network [1]

Core Viewpoint - The recent shareholding increase by Qingdao Bank's major shareholder, Guoxin Chanin Holdings, marks a significant shift in the bank's equity structure and reflects a broader trend of capital reallocation within the banking sector in 2025 [1][6]. Group 1: Shareholding Increase Details - Guoxin Chanin Holdings and its concerted actions have raised their combined shareholding in Qingdao Bank to 19.17% within a few months, showcasing a well-structured and strategic approach to capital investment [1][4]. - The shareholding increase was executed through a series of transactions from September 15 to November 5, with the shareholding rising from 11.26% to 15.42% during this period [2][3]. - The increase was completed without triggering a mandatory tender offer and did not alter the bank's governance status, which maintains no controlling shareholder [1][2]. Group 2: Financial Performance and Shareholder Confidence - Qingdao Bank's third-quarter report for 2025 indicated a total asset growth of 10.96% year-on-year, with a net profit increase of 15.54% for the first three quarters [4]. - The bank's non-performing loan ratio decreased to 1.10%, and the provision coverage ratio improved to 269.97%, providing a solid foundation for the shareholder's confidence in the bank's long-term value [4][9]. - The commitment from Guoxin Chanin Holdings to hold the shares for at least five years reflects a long-term investment perspective rather than a short-term financial strategy [4]. Group 3: Broader Industry Trends - The shareholding increase at Qingdao Bank is part of a larger trend in the banking sector, where several banks have seen significant capital inflows from major shareholders throughout 2025 [6][8]. - Regional banks, particularly in economically vibrant areas, have experienced notable increases in shareholding, indicating strong local capital support for financial institutions [6][8]. - The current environment of improved bank profitability expectations and a stabilizing macroeconomic backdrop has led to a redefinition of bank stocks as core assets with safety margins and dividend appeal [8][9].

Core Insights - The A-share banking sector reported a total operating income exceeding 4.3 trillion yuan for the first three quarters, with the six major state-owned banks achieving a profit scale of 1.07 trillion yuan, indicating strong performance despite underlying structural issues [1][2] - The net interest margin (NIM) has shown signs of stabilization, yet remains at historically low levels, with retail loan delinquency rates continuing to rise, highlighting potential long-term challenges for the banking industry [1][4] Group 1: Net Interest Margin Trends - The banking sector's NIM showed a slight recovery in Q3 2025, with Jiangyin Bank reporting a NIM of 1.56%, up 2 basis points from Q2, and Ruifeng Bank at 1.49%, up 3 basis points, contributing to a 6.12% year-on-year increase in net interest income [1][2] - Despite short-term stabilization, the long-term trend of declining NIM persists, with the average NIM for commercial banks at 1.42% in Q2 2025, down 0.12 percentage points year-on-year [2][3] Group 2: Asset Quality and Retail Loan Risks - The overall asset quality of the banking sector appears stable, with most banks maintaining non-performing loan (NPL) ratios below 1.5%, but retail loans are becoming a high-risk area, with consumer loan NPL rates rising to 1.29% as of Q2 2025 [4][5] - The increase in retail loan delinquency is attributed to employment pressures affecting borrowers' income stability, leading to heightened "co-borrowing" risks, where clients with multiple loans face significantly higher delinquency rates [4][5] Group 3: Business Structure and Revenue Sources - Traditional lending remains a dominant revenue source for banks, but there is a growing need for diversification into intermediary services, as evidenced by a 4.60% year-on-year increase in net fee and commission income for A-share listed banks [6][7] - The shift towards a dual-driven model of "lending + wealth management" is essential for improving profitability in retail banking, requiring long-term customer cultivation and ecosystem development [6][7] Group 4: Non-Performing Loan Management - The improvement in NPL ratios is largely driven by increased asset disposal efforts, with a significant rise in the volume of bad debt write-offs and transfers, indicating a proactive approach to managing asset quality [7][8] - However, the reduction in NPLs does not eliminate long-term risks, particularly in the real estate sector, where NPL rates remain elevated, and smaller banks face greater challenges due to concentrated lending practices [8][9]

Meeting Overview - The 2025 First Extraordinary General Meeting of Shareholders will be held on November 28, 2025, at 9:30 AM [1] - The meeting will be convened by the Board of Directors [1] - Voting will be conducted through a combination of on-site and online voting, with online voting applicable only to A-share shareholders [1] Voting Details - The online voting system used will be the Shanghai Stock Exchange Shareholders' Meeting Online Voting System [2] - Voting will be available on the day of the meeting from 9:15 AM to 3:00 PM through the internet platform [2] - Specific voting procedures for margin trading, transfer, and other related accounts must comply with relevant regulations [3] Agenda Items - The meeting will review several proposals, including special resolutions and proposals for minority shareholders [5][7][8] - All proposals have been approved in previous board and supervisory meetings, with details available on the Shanghai Stock Exchange website [6] Attendance Requirements - A-share shareholders registered by the close of trading on the registration date are eligible to attend the meeting [13] - Shareholders must present valid identification and proof of shareholding for registration [14][16] Additional Information - Contact details for the Board of Directors' office are provided for inquiries [17] - Attendees are responsible for their own travel and accommodation expenses [18]

Core Points - Chongqing Bank is convening its first extraordinary general meeting of shareholders in 2025 on November 28, 2025, at 9:30 AM [2][6] - The meeting will be held at the multifunctional conference hall on the 3rd floor of the Chongqing Bank headquarters [2] - Voting will be conducted through a combination of on-site and online methods, with online voting available only for A-share shareholders [2][3] Meeting Details - The meeting is called by the Board of Directors [2] - The online voting system will be the Shanghai Stock Exchange's shareholder meeting online voting system, available from 9:15 AM to 3:00 PM on the day of the meeting [3][6] - Specific voting procedures for margin trading, transfer, and other related accounts must comply with relevant regulations [4] Agenda Items - The meeting will review several proposals that have been approved in previous board and supervisory meetings [7] - Special resolutions will include items 2, 3, 4, and 5 [8] - There will be a separate vote for small investors on item 1 [9] Voting Instructions - Shareholders can vote through the Shanghai Stock Exchange's online voting system or in person [11] - Shareholders with multiple accounts can aggregate their voting rights across all accounts [11] - All proposals must be voted on before submission [12] Attendance Information - A-share shareholders registered by the close of trading on the registration date are eligible to attend the meeting [13] - Directors, supervisors, senior management, and appointed lawyers are also allowed to attend [13][14] Registration Process - Individual shareholders must present identification and proof of shareholding to register [16] - Corporate shareholders must provide legal representative documents and identification for registration [16] Additional Information - Contact details for the Board of Directors office are provided for inquiries [17] - Attendees are responsible for their own travel and accommodation expenses [18]

Core Viewpoint - The financial performance of Chongqing Rural Commercial Bank (渝农商行) in the first three quarters of 2025 shows a slowdown in revenue growth compared to local peers, raising concerns about its operational outlook [2][3]. Financial Performance - For Q3 2025, the bank reported operating revenue of 6,916.9 million, a year-on-year increase of 1.10%, and a net profit of 3,078.0 million, up 2.14% [1]. - For the first nine months of 2025, the bank's operating revenue reached 21,657.7 million, reflecting a growth of 0.67%, while the net profit was 10,924.9 million, an increase of 3.32% [1][3]. - Interest income for the first three quarters was 347.59 million, down 6.49%, while interest expenses decreased by 9.62% to 169.09 million, indicating that the growth in net interest income was primarily due to reduced expenses rather than increased income [4]. Comparison with Peers - Chongqing Rural Commercial Bank's revenue growth is significantly lagging behind that of Chongqing Bank, which reported a 10.40% increase in revenue for the same period [2]. Investment Income - The bank's investment income for the first three quarters was 34.95 million, down 8.10%, contrasting with many domestic banks that reported substantial increases in investment income [4]. Cost Management - The bank's business and management expenses for the first three quarters were 58.92 million, a year-on-year increase of 1.84%, with other general and administrative expenses decreasing by 9.17% [5]. Asset Quality - As of Q3 2025, the bank's non-performing loan balance was 87.11 million, an increase of 2.92 million from the end of 2024, with a non-performing loan ratio of 1.12%, down 0.06 percentage points [5]. Leadership Changes - The bank has experienced significant leadership changes, with the chairman resigning in October 2024 and the current acting chairman, Sui Jun, serving in this role for nearly a year, which exceeds the regulatory limit of six months for acting positions [7][9][10].

Core Viewpoint - Chongqing Bank (01963) announced a quarterly dividend of 1.684 yuan per 10 shares, to be distributed on January 16, 2026, for the nine months ending September 30, 2025 [1] Summary by Category - **Dividend Announcement** - The bank will distribute a quarterly dividend of 1.684 yuan for every 10 shares [1]

第 1 頁 共 2 頁 v 1.1.1 | 灣仔 | | | --- | --- | | 香港 | | | 代扣所得稅信息 | | | 股息所涉及的代扣所得稅 | 有待公佈 | | 發行人所發行上市權證/可轉換債券的相關信息 | | | 發行人所發行上市權證/可轉換債券 | 不適用 | | 其他信息 | | | 1. 可就部分股息行使貨幣選擇權只適用於香港中央結算(代理人)有限公司。 | | | 2. 以截至2025年9月30日的普通股總股本3,474,585,802股為基數計算，合計擬派發現金股息人民幣585,120,249.06元（含稅）。 由於本行發行的可轉債處於轉股期，若普通股總股本在實施權益分派的記錄日期前發生變動，屆時將維持分配總額不變，以實施權 | | | 益分配的記錄日期普通股總股本為基數，相應調整每股分配金額。 | | | 發行人董事 | | | 於本公告刊發日期，本行的執行董事為楊秀明先生、高嵩先生及侯曦蒙女士；本行的非執行董事為黃漢興先生、郭喜樂先生、吳珩 | | EF002 免責聲明 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表 ...

BANK OF CHONGQING CO., LTD. * * 1963 於2025年11月28日（星期五）舉行的2025年第一次臨時股東大會的代表委任表格 | 與本代表委任表格有關的股份 | | --- | | （附註2） 數目 | | 與本代表委任表格有關的股份 | | （附註2） 類別（A股或H股） | 地址為 為本人╱吾等的代表，代表本人╱吾等出席本行於2025年11月28日（星期五）上午九時三十分假座中國重慶市 江北區永平門街6號重慶銀行總行大樓三樓多功能會議廳舉行的2025年第一次臨時股東大會（「大會」）（及其任 何續會），藉以審議及酌情通過大會通告所載各決議案，並在大會（及其任何續會）上按以下指示為本人╱吾等 及以本人╱吾等名義就下列決議案投票。除另有指明外，日期為2025年11月7日有關下列決議案的大會通告已 界定的詞語在本通告中具有相同涵義。 | | 普通決議案 | （附註4） 贊成 | 反對 | （附註4） | 棄權 | （附註4） | | --- | --- | --- | --- | --- | --- | --- | | 1. | 關於《2025年三季度利潤預分配方案》的議案 | | ...

此乃要件 請即處理 閣下如對本通函任何方面或應採取之行動有任何疑問，應諮詢 閣下之股票經紀或其他持牌證 券商、銀行經理、律師、專業會計師或其他專業顧問。 閣下如已售出或轉讓名下所有重慶銀行股份有限公司*股份，應立即將本通函連同隨附之代表 委任表格交予買主或受讓人，或經手買賣或轉讓的銀行、股票經紀或其他代理商，以便轉交買 主或受讓人。 香港交易及結算所有限公司及香港聯合交易所有限公司對本通函之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不就因本通函全部或任何部份內容而產生或因依賴 該等內容而引致之任何損失承擔任何責任。 BANK OF CHONGQING CO., LTD. * * 1963 2025年第一次臨時股東大會 本行擬於2025年11月28日（星期五）上午九時三十分舉行臨時股東大會。 臨時股東大會通告載於本通函內，並連同相關代表委任表格已登載於香港交易及結算所有限公 司「披露易」網站(www.hkexnews.hk)。 不論 閣下是否能夠出席臨時股東大會，均須根據相關代表委任表格上印備之指示填妥該表 格，並最遲須於臨時股東大會或其任何續會（視情況而定）指定舉行時間至少24小時前送交 ...