证券代码：601838 证券简称：成都银行 公告编号：2025-050 成都银行股份有限公司 第八届董事会第十七次（临时）会议决议公告 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。 成都银行股份有限公司（以下简称"本公司"）于 2025 年 8 月 21 日以电子邮件及书面方式向全体董事发出关于召开董事会会议的通 知和材料，本公司第八届董事会第十七次（临时）会议于 2025 年 8 月 26 日在本公司总部 5 楼 1 号会议室以现场结合视频方式召开。本 次会议应出席有表决权董事 12 名，徐登义、何维忠、王永强、郭令 海、付剑峰、余力、马晓峰、陈存泰、马骁、余海宗 10 名董事现场 出席，龙文彬、顾培东 2 名董事通过视频连线方式参加会议。经董事 推举，会议由副董事长、行长徐登义主持。党委书记黄建军、4 名监 事以及本公司部分高级管理人员列席会议。会议的召开符合《中华人 民共和国公司法》《中华人民共和国证券法》等法律、行政法规、部 门规章、规范性文件及《成都银行股份有限公司章程》的有关规定。 会议所形成的决议合法、有效。 ...

北京市建国门北大街 8号华润大厦 20 层 邮编,100005 电话:(86-10)8519-1300 传真:(86-10) 8519-1350 关于成都银行股份有限公司 2025 年第一次临时股东大会 的法律意见书 致:成都银行股份有限公司 北京市君合律师事务所(以下简称"本所")接受成都银行股份有限公司(以 下简称"贵公司"）的委托,就贵公司2025年第一次临时股东大会 (以下简称"本 次会议"）召集、召开的有关事宜,根据《中华人民共和国公司法》（以下简称 "《公司法》"）、中国证券监督管理委员会《上市公司股东会规则》（以下简 称"《股东会规则》"）等中国（为出具本法律意见书之目的，不包括香港特别 行政区和澳门特别行政区及台湾省）法律、法规、规章及贵公司现行有效的《成 都银行股份有限公司章程》（以下简称"《公司章程》"）的有关规定，出具本 法律意见书。 为出具本法律意见书之目的,本所委派律师(以下简称"本所律师")列席 了贵公司本次会议，并根据现行法律、法规、规章的有关规定及要求，按照律师 行业公认的业务标准、道德规范和勤勉尽责精神，对贵公司提供的与本次会议召 开有关的文件和事实进行了核查和验证,在此基础 ...

Section 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](index=2&type=section&id=1.1%20Important%20Notice) 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 report[6](index=6&type=chunk) - During the reporting period, the Bank did not propose any semi-annual profit distribution or capital reserve to share capital conversion plans[7](index=7&type=chunk) - 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 procedures[8](index=8&type=chunk)[9](index=9&type=chunk) [Table of Contents](index=3&type=section&id=Table%20of%20Contents) 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](index=4&type=section&id=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, 2025[14](index=14&type=chunk) 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](index=5&type=section&id=2.1-2.8%20Company%20Basic%20Information) 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 year[17](index=17&type=chunk) - The company's registered address is No. 16 Xiyu Street, Qingyang District, Chengdu, Sichuan Province, with stock code **601838**, listed on the Shanghai Stock Exchange[15](index=15&type=chunk)[17](index=17&type=chunk) [2.10 Key Accounting Data and Financial Indicators for the Past Three Years](index=7&type=section&id=2.10%20Key%20Accounting%20Data%20and%20Financial%20Indicators%20for%20the%20Past%20Three%20Years) 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](index=7&type=section&id=2.10%20(I)%20Key%20Accounting%20Data%20for%20the%20Past%20Three%20Years) 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](index=8&type=section&id=2.10%20(II)%20Key%20Financial%20Indicators%20for%20the%20Past%20Three%20Years) 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](index=8&type=section&id=2.10%20(III)%20Supplementary%20Financial%20Indicators%20for%20the%20Past%20Three%20Years) 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.

成都银行：上半年净利润66.2亿元人民币。 ...

Market Overview - On August 26, the city commercial bank sector declined by 1.04%, with Guiyang Bank leading the drop [1] - The Shanghai Composite Index closed at 3868.38, down 0.39%, while the Shenzhen Component Index closed at 12473.17, up 0.26% [1] Individual Stock Performance - Guiyang Bank closed at 6.32, down 2.17%, with a trading volume of 746,000 shares and a transaction value of 472 million [2] - Jiangsu Bank closed at 11.02, down 0.45%, with a trading volume of 1.15 million shares and a transaction value of 1.27 billion [1] - Other notable declines include Ningbo Bank at 28.34 (-0.84%) and Beijing Bank at 6.23 (-1.11%) [1][2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 191 million from main funds, while speculative funds saw a net inflow of 331 million [2] - Retail investors had a net outflow of 140 million [2] Detailed Capital Flow for Selected Banks - Jiangsu Bank had a main fund net inflow of 44.99 million, while retail investors saw a net outflow of 50.90 million [3] - Chongqing Bank experienced a main fund net inflow of 25.15 million, with a significant retail outflow of 22.28 million [3] - Guiyang Bank had a main fund net inflow of 5.25 million but a retail outflow of 31.19 million [3]

Industry Overview - The public utility sector saw a weekly increase of 1.89%, underperforming the broader market by 2.29 percentage points, ranking 23rd among the primary sectors [2] - The coal price in Qinhuangdao rose to 704 RMB/ton, a weekly increase of 0.86%, while coal inventory increased by 2.46% to 5.84 million tons [3] - Domestic natural gas prices fell by 1.75% to 4099 RMB/ton, and U.S. natural gas futures dropped by 7.9% to 2.69 USD/mmbtu [5] - As of July, the cumulative installed power generation capacity reached 3.67 billion kilowatts, a year-on-year increase of 18.2%, with solar and wind power installations growing by 50.8% and 22.1% respectively [6] Investment Recommendations - The report suggests focusing on three main lines: hydropower assets benefiting from the unified electricity market, thermal power assets with improving performance due to cost reductions, and green energy projects transitioning smoothly to profitability [7][8] - Specific stock recommendations include Yangtze Power, Huaneng Hydropower, Huaneng International, Jingneng Power, and Funiu Co. [8] Banking Sector Insights - Recent adjustments in deposit rates by small and medium banks indicate a continued downward trend in deposit costs, with reductions of 10 to 20 basis points [10] - The net interest margin for commercial banks was reported at 1.42%, with expectations for a further decline in deposit costs by over 20 basis points this year [11][12] - The report recommends focusing on high-dividend and regionally growing bank stocks, including major state-owned banks and select regional banks with growth potential [12] Innovation Drug Sector Analysis - The innovation drug sector is entering a pivotal phase with a shift from capital-driven to profit-driven growth, supported by favorable policies and market conditions [14][16] - Key performance indicators show that several leading overseas pharmaceutical companies reported significant revenue growth, with Eli Lilly's revenue increasing by 38% and Novo Nordisk's by 15% [15] - The report emphasizes the importance of clinical demand, technological platforms, and product strength in stock selection, recommending companies like 3SBio and Aosaikang [17] Medical Consumables Sector Performance - Huatai Medical reported a 21.26% increase in revenue to 1.214 billion RMB, driven by strong performance in electrophysiology products [24] - Maipu Medical achieved a 29.28% revenue growth, benefiting from its competitive position in neurosurgery repair products [25] - The report suggests monitoring companies in the high-value consumables sector for performance recovery and innovation product approvals [27][28] Electronics Sector Developments - The AI industry index saw a significant increase of 14.28%, reflecting strong market performance [30][31] - Google's launch of the Pixel 10 series, featuring advanced AI capabilities, is expected to drive further innovation in edge AI applications [33][34] - Investment opportunities are highlighted in AI infrastructure and edge SOC components, with a recommendation to focus on companies like Cambricon and Rockchip [36]

证券代码：601838 证券简称：成都银行 公告编号：2025-048 成都银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 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： 1.会议召开时间：2025 年 9 月 2 日（星期二）下午 15:00-16:00 2.会议召开地点：全景网"投资者关系互动平台"（网址： https://ir.p5w.net） 3.会议召开形式：网络文字互动 4.投资者可于 2025 年 8 月 29 日（星期五）17:00 前将相关问题通 过 电 子 邮 件 的 形 式 发 送 至 公 司 本 次 会 议 问 题 征 集 邮 箱 ： ir@bocd.com.cn，或在会议召开时提问。公司将于业绩说明会上对投资 者普遍关注的问题进行回答。 成都银行股份有限公司（以下简称"公司"）拟于 2025 年 8 月 27 日披露《成都银行股份有限公司 2025 年半年度报告》。为便于广大投资 者更全面深入地了解公司 2025 年半年度业绩和经营情况，公司拟于 一、说明会类型 本次 ...

Market Performance - On August 25, the city commercial bank sector rose by 0.63% compared to the previous trading day, with Ningbo Bank leading the gains [1] - The Shanghai Composite Index closed at 3883.56, up 1.51%, while the Shenzhen Component Index closed at 12441.07, up 2.26% [1] Individual Stock Performance - Ningbo Bank (002142) closed at 28.58, with a gain of 2.36% and a trading volume of 555,800 shares, amounting to a transaction value of 1.58 billion [1] - Other notable performers included Fengyang Bank (601997) with a 1.73% increase, Zhengzhou Bank (002936) up by 1.43%, and Beijing Bank (601169) rising by 1.29% [1] - Jiangsu Bank (616009) was the only stock in the city commercial bank sector to decline, falling by 0.72% [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 219 million in main funds, while retail investors saw a net inflow of 264 million [2] - The capital flow for individual stocks showed that Qilu Bank (601665) had a net inflow of 77.03 million from main funds, while Beijing Bank (601169) had a net inflow of 41.70 million [3] - Conversely, several banks like Qingdao Bank (002948) and Zhengzhou Bank (002936) experienced net outflows from main and speculative funds [3]

Market Overview - On August 25, the A-share market experienced a significant upward trend, with the Shanghai Composite Index approaching 3900 points and the ChiNext Index leading in gains [1] - The total trading volume of the two markets reached 3.14 trillion yuan, an increase of 594.4 billion yuan compared to the previous trading day [1] ETF Performance - The Dividend Low Volatility ETF (512890) rose by 0.83% on the same day, closing at 1.219 yuan, with a turnover rate of 2.59% and a trading volume of 546 million yuan, making it the top performer among similar ETFs [2][3] - As of August 22, 2025, the asset size of the ETF was 20.992 billion yuan, with a daily average trading volume of 483 million yuan over the past 20 trading days, indicating sustained market interest [2] Fund Flow Analysis - Recent fund flows indicate short-term outflows and medium to long-term inflows, with a net outflow of 57 million yuan over the past five trading days and 117 million yuan over the past ten days; however, there was a net inflow of 3.298 billion yuan over the past 60 days [2] - The ETF's cumulative return since its establishment in December 2018 has reached 141.74%, significantly outperforming its benchmark and ranking 33rd among 502 similar products [5] Holdings and Sector Focus - The ETF's top holdings are primarily in the banking sector, including Chengdu Bank, Industrial Bank, Sichuan Road and Bridge, and Daqin Railway, which all saw price increases on August 25, aligning with their high dividend and low valuation characteristics [4] - The frequency of insurance capital stake acquisitions has significantly increased in 2025, with nearly 30 instances by August 19, focusing on high-dividend, low-volatility sectors such as banking and utilities, which enhances market attention and capital inflow expectations for the ETF's holdings [4]

Group 1 - The core viewpoint of the article highlights the increasing number of bank dissolutions in China, with over 105 banks expected to dissolve in 2024, predominantly village banks, raising concerns among depositors about the safety of their savings [1][3]. Group 2 - There are three main scenarios for bank dissolutions: first, larger banks may dissolve their smaller holdings to enhance competitiveness, effectively converting them into branches without affecting deposit safety [3]. - Second, smaller banks may merge to form larger institutions to improve market competitiveness and resilience against systemic risks, which also ensures deposit safety for customers [3]. - Third, some smaller banks may dissolve due to poor management, but as long as they are part of the deposit insurance scheme, deposits up to 500,000 yuan will be protected [5]. Group 3 - To mitigate risks, depositors are advised to follow four strategies: first, check if the bank has a deposit insurance mark to ensure safety [7]. - Second, avoid placing all funds in one bank; diversifying across 3-4 banks can reduce risk exposure [9]. - Third, keep individual deposits below 500,000 yuan to ensure full compensation within seven working days in case of bank failure [11]. - Fourth, be cautious with bank products; only traditional deposit products are covered by the deposit insurance, while investment products are not [13].