不过，成本控制与资产质量方面的表现也值得关注。本季度营业支出为 19.07 亿元，成本收入比下降 1.75 个百分点至 25.47%，这体现了该行在降本增效方面取得了一定成效。但信用减值损失为 10.78 亿 元，虽较上年同期下降 19.17%，不良贷款余额仍有 87.47 亿元，不良贷款率为 1.17%，这对该行的资产 质量构成一定压力。据已发布的研究报告，银行业整体面临信用风险上升的挑战，重庆农商行也难以独 善其身。 互联网上部分观点认为，重庆农商行在金融科技投入上相对不足，这可能影响其未来的市场竞争力。在 数字化转型加速的金融行业，科技投入对提升服务效率、优化风险管理至关重要。对比同行业其他银 行，一些在金融科技领域大力投入的银行，在客户体验、业务创新等方面已取得明显优势。 据重庆农村商业银行（03618.HK）所发布公告，其 2025 年第一季度财报显示，该行在营收、利润、资 产规模等多方面呈现出一定的发展态势。这一财报引发市场广泛关注，折射出该行在当下金融市场环境 中的经营状况与发展走向。 从整体数据来看，重庆农商行在 2025 年第一季度实现了营收和净利润的双增长。营业收入达到 72.23 亿元， ...

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任何聲明，並明確表示，概不對因本公告全部或任何部分內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 Chongqing Rural Commercial Bank Co., Ltd. * * : 3618 2025年第一季度報告 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.*（「本行」或 「本銀行」）董事會（「董事會」）欣然宣佈本行及所屬子公司（「本集團」）截至2025年3月31 日止第一季度期間（「本報告期」）按照國際財務報告準則編製的未經審計業績（「本季度報 告」）。本季度報告乃根據香港聯合交易所有限公司（「香港聯交所」）證券上市規則（「上市 規則」）第13.09條及證券及期貨條例（香港法例第571章）第XIVA部項下之內幕消息條文 （定義見上市規則）的要求做出。 重要內容提示 1 本行行長隋軍先生代為履行董事長職務，至本行新任董事長任職資格獲監管機構核准之日 止。 - 1 - 1. 本行董事會、監事會及董事、監事、高級管理人員保證 ...

重慶農村商業銀行股份有限公司 Chongqing Rural Commercial Bank Co., Ltd. （於中華人民共和國註冊成立的股份有限公司） (a joint stock limited company incorporated in the People's Republic of China with limited liability) * 本行經中國銀行保險監督管理機構批准持有B0335H250000001號金融許可證，並經重慶市市場監督 管理局核准領取統一社會信用代碼為91500000676129728J的企業法人營業執照。本行根據香港銀 行業條例（香港法例第155章）並非一家認可機構 ，不受香港金融管理局監管 ，及不獲授權在香港經營 銀行╱接受存款業務。 目錄 | 重要提示 | 02 | | --- | --- | | 釋義 | 03 | | 行長致辭 | 04 | | 第一章 公司簡介 | | | 第六章 | 重要事項 | | --- | --- | --- | --- | --- | | 01 基本情況 | | 6 | | | | 02 業務摘要 | | 7 | 第七章 | 股 ...

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任何聲明，並明確表示，概不對因本公告全部或任何部分內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 Chongqing Rural Commercial Bank Co., Ltd. 重慶農村商業銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） （股份代號 : 3618） 2024年度業績公告 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.*（「本行」） 之董事會（「董事會」）欣然宣佈本行及所屬子公司（「本集團」）截至2024年12月31日止十二 個月之經審計業績（「年度業績」）。本年度業績公告列載本集團截至2024年12月31日止十 二個月之年度報告全文，其內容是根據適用的香港聯合交易所有限公司（「香港聯交所」） 證券上市規則披露要求及按照國際財務報告準則編製。董事會審計委員會已審閱年度業 績。本年度業績公告於本行的網站(www.cqrcb.com)及香港聯交所的網站(www.hkexnews.hk) 發佈。本行將按本行H ...

Chongqing Rural Commercial Bank Co., Ltd. * * : 3618 2024年第三季度報告 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.*（「本行」或 「本銀行」）董事會（「董事會」）欣然宣佈本行及所屬子公司（「本集團」）截至2024年9月30 日止第三季度期間（「本報告期」）按照國際財務報告準則編製的未經審計業績（「本季度報 告」）。本季度報告乃根據香港聯合交易所有限公司（「香港聯交所」）證券上市規則（「上市 規則」）第13.09條及證券及期貨條例（香港法例第571章）第XIVA部項下之內幕消息條文 （定義見上市規則）的要求做出。 重要內容提示 1. 本行董事會、監事會及董事、監事、高級管理人員保證季度報告內容的真實、準 確、完整，不存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責 任。 2. 本行行長隋軍（代為履行董事長職務）、主管會計工作的副行長張進及會計機構負責 人劉一保證季度報告中財務報表信息的真實、準確、完整。 3. 本行第三季度財務報表未經審計。 - 1 - 一、主要財務數據 （一 ...

Dividend Distribution and Shareholder Returns - The company plans to implement an interim dividend distribution for 2024 to enhance investor returns and boost long-term shareholder confidence[4] - The company distributed a cash dividend of RMB 0.2885 per share (tax included) for the 2023 fiscal year, totaling RMB 3.276 billion, with RMB 2.551 billion distributed to A-share holders and RMB 725 million to H-share holders[188] - The company's cash dividend payout ratio for 2023 was 30.05% of the net profit attributable to shareholders, consistent with the 30% payout ratio in 2022 and 2021[188] - The company plans to implement an interim dividend distribution to enhance investor returns and boost long-term shareholder confidence, with specific details to be announced after corporate governance procedures[189] Financial Performance and Key Metrics - Total assets increased by 4.77% to RMB 1,510.31 billion as of June 30, 2024, compared to RMB 1,441.52 billion at the end of 2023[19] - Net profit for the first half of 2024 reached RMB 7.56 billion, a year-on-year increase of 6.18%[18] - Non-performing loan ratio remained stable at 1.19% as of June 30, 2024, unchanged from the end of 2023[19] - Provision coverage ratio stood at 360.29% as of June 30, 2024, down by 6.41 percentage points from the end of 2023[19] - Capital adequacy ratio was 15.71% as of June 30, 2024, a decrease of 0.28 percentage points from the end of 2023[19] - Net interest income decreased by 7.99% to RMB 110.81 billion in the first half of 2024 compared to the same period in 2023[18] - Non-interest income increased by 26.03% to RMB 35.61 billion in the first half of 2024 compared to the same period in 2023[18] - Cost-to-income ratio improved to 25.28% in the first half of 2024, down by 5.92 percentage points from the same period in 2023[18] - Customer deposits grew by 5.07% to RMB 941.65 billion as of June 30, 2024, compared to RMB 896.20 billion at the end of 2023[19] - Core tier 1 capital adequacy ratio increased to 13.83% as of June 30, 2024, up by 0.30 percentage points from the end of 2023[19] - Net profit increased by 440 million yuan, a year-on-year growth of 6.18%[119] - Non-performing loan (NPL) ratio remained stable at 1.19% as of June 2024[120] - Overdue loan ratio slightly increased to 1.52%, up by 0.1 percentage points compared to the end of the previous year[120] - Special mention loans ratio rose to 1.41%, up by 0.27 percentage points, with 90.04% of these loans being secured[121] - The average provision ratio for special mention loans reached 32.56% as of June 2024[121] - Corporate loan NPL ratio increased slightly to 1.07%, but the NPL formation rate continued to decline year-on-year[121] - The company achieved operating income of 14.642 billion yuan, with a year-on-year decline narrowing by 1.41 percentage points compared to Q1[118] Risk Management and Asset Quality - The company does not have any significant risks that require special attention from investors, with detailed risk management measures outlined in Chapter 3[5] - Non-performing loan (NPL) balance increased to RMB 8,395.0 million, up by RMB 336 million from the end of 2023, with the NPL ratio remaining stable at 1.19%[72] - Corporate NPL balance increased by RMB 366 million, with the NPL ratio rising by 0.03 percentage points, while retail NPL balance decreased by RMB 30 million, with the NPL ratio dropping by 0.02 percentage points[73] - The largest single borrower's loan accounted for 3.68% of net capital, and the top ten borrowers' loans accounted for 23.14% of net capital, with no NPLs among the top ten borrowers[74] - Manufacturing sector loans accounted for 10.25% of total loans, with an NPL ratio of 0.82%, while the real estate sector had an NPL ratio of 6.88%[73] - Loans to the water, environment, and public facilities management sector accounted for 10.85% of total loans, with an NPL ratio of 0.53%[73] - The top ten single borrowers were primarily from sectors such as water management, transportation, and leasing services, with no NPLs reported[76] - The company maintained strict credit risk management and optimized its loan structure, focusing on reducing NPLs and improving asset quality[72][73] - Total customer loans and advances increased to RMB 706.86 billion as of June 30, 2024, with a non-performing loan (NPL) ratio of 1.19%, unchanged from the end of 2023[77] - Corporate loans NPL ratio rose by 0.03 percentage points to 1.07%, while retail loans NPL ratio decreased by 0.02 percentage points to 1.58% as of June 30, 2024[77] - Restructured customer loans and advances increased to RMB 3.15 billion, accounting for 0.45% of total loans and advances, up from RMB 614.5 million (0.09%) at the end of 2023[78] - Overdue customer loans and advances totaled RMB 10.75 billion, representing 1.52% of total loans and advances, an increase of RMB 1.14 billion and 0.10 percentage points from the end of 2023[79] - Loan impairment provisions increased to RMB 30.13 billion as of June 30, 2024, up from RMB 29.43 billion at the end of 2023[80] - Credit loans accounted for 20.78% of total loans and advances, up from 19.80% at the end of 2023[81] - The migration rate for normal loans increased to 2.20% as of June 30, 2024, compared to 1.43% at the end of 2023[82] - County deposits accounted for 73.79% of total deposits, up 1.61 percentage points from the end of 2023, while county loans accounted for 48.91%, down 0.39 percentage points[83] - Credit risk loss provision balance reached 34.263 billion yuan, an increase of 617 million yuan compared to the end of the previous year, with credit asset impairment provision balance at 30.246 billion yuan[123] - Provision coverage ratio stood at 360.29%, and the provision-to-loan ratio was 4.28%, maintaining a high level among listed banks[123] - Overdue loans coverage ratios were 477.01% for loans overdue for more than 90 days and 413.32% for loans overdue for more than 60 days[123] - Credit impairment losses for the first half of 2024 amounted to 2.457 billion yuan, an increase of 612 million yuan year-on-year, up by 33.18%[123] - Loan and advances credit impairment losses were 2.535 billion yuan, an increase of 1.165 billion yuan year-on-year, up by 85.06%[123] - The company's debt investment asset quality remained stable, with a decrease of 445 million yuan in impairment provisions compared to the same period last year[123] - The company completed the optimization and update of the retail internal rating model, with coverage of retail products increasing to 99%[125] - The company initiated the construction of a model risk management system and the optimization of the operational risk management system[125] - The company conducted stress tests on credit, market, and liquidity risks, and quantified the impact of extreme risks on capital adequacy levels[125] - The company's large risk exposure indicators as of the end of June 2024 were better than regulatory standards[129] - The company strengthened its operational risk management system, including optimizing monitoring indicators and enhancing risk prevention capabilities[146] - The company improved its reputation risk management mechanism, focusing on crisis response, complaint handling, and public relations[147] - The company optimized its information technology risk management system and updated the "Information Technology Risk Management Measures" to enhance the comprehensiveness, effectiveness, and operability of the system[148] - The company strengthened 7×24 operation and maintenance management, ensuring network security during key periods such as New Year's Day and Spring Festival, effectively maintaining the stable operation of important businesses[148] - The company revised anti-money laundering internal control systems, optimized monitoring models, and applied technologies such as artificial intelligence and machine learning to efficiently screen and report suspicious transactions[149] Digital Transformation and Technology - The company is accelerating digital transformation, focusing on "digital development, intelligent risk control, smart branches, and efficient operations"[14] - The company's financial technology personnel exceeded 600, with over 20% of talent in the technology finance sector[103] - External data service interfaces were accessed 191 million times in the first half of 2024, with a decision success rate exceeding 99.99%[104] - The company submitted 12 invention patent applications in 2024, with a cumulative total of 157 patents and 8 software copyrights[105] - Mobile banking users reached 14.7616 million, with a net increase of 379,200 users and transaction volume of 703.427 billion yuan in 2024[106] - Corporate internet banking customers totaled 165,900, with a net increase of 6,200 and transaction volume of 538.168 billion yuan in 2024[106] - The company's call center handled 3.5117 million calls with a customer satisfaction rate of 99.34% and an artificial response rate of 92.82%[106] - The company's robot outbound calls reached 5.8608 million, accounting for 98.07% of total outbound calls[106] - The company's wealth management product system includes multiple branded products such as rural revitalization and the Chengdu-Chongqing economic circle[101] - The company has established 5 branches, 26 primary sub-branches, 126 secondary sub-branches, 1,283 sub-offices, 1 community branch, and 12 village banks in county areas by the end of June 2024[108] - The company has issued 23.6525 million debit cards in county areas, accounting for 78.81% of the total debit cards issued by the bank[108] - The company has 11.7306 million mobile banking users in county areas, accounting for 79.47% of the total mobile banking users, with an increase of 302,900 users compared to the end of the previous year[108] - The company's personal deposits in county areas reached 635.261 billion yuan, accounting for 78.65% of the total personal deposits[109] - The company's rural revitalization series wealth management products have accumulated over 16 billion yuan in issuance and created nearly 400 million yuan in profits for customers[110] - The company's leasing asset balance in Chongqing is 14 billion yuan, with 77% in county areas, and new leasing projects in Chongqing in 2024 amounted to 2.96 billion yuan, with 56.32% in county areas[110] - The company's rural revitalization digital financial service platform has achieved full coverage in 38 agricultural counties in Chongqing, covering 7,752 villages with a coverage rate of nearly 98%, and pre-approved credit for 1.33 million farmers exceeded 20.2 billion yuan[111] - The company's 12 village banks have a total registered capital of 1.662 billion yuan, total assets of 5.246 billion yuan, and a non-performing loan ratio of 1.47%[112] - The company's financial leasing subsidiary has total assets of 65.679 billion yuan and achieved a net profit of 1.018 billion yuan in the reporting period[113] - The company aims to accelerate digital transformation by integrating into the digital Chongqing initiative, enhancing operational efficiency through standardization and digitalization[168] Green Finance and Sustainability - The company is targeting to become a green finance benchmark bank, integrating into green finance reform and innovation pilot zones, and forming a comprehensive green finance service system[16] - The company's green credit balance reached 67.46 billion yuan, an increase of 5.47 billion yuan from the end of the previous year, achieving 91.2% of the target plan, with the green credit ratio increasing by 0.4 percentage points to 10.6%[94] - The company has supported 9 ecological restoration and environmental protection projects in the Yangtze Economic Belt, with a total credit line of 6.385 billion yuan and a loan balance of 557 million yuan as of June 2024[191] - The company has launched innovative green financial products such as "Solid Waste Loan" and "Green Electricity Loan," forming a comprehensive green financial service system[191] - The company has collaborated with State Grid Chongqing Electric Power Company to develop green financial solutions for the new power system, aiming to promote the clean energy industry chain[192] - The company's agricultural loan balance reached 240.457 billion yuan as of June 2024, supporting rural revitalization and poverty alleviation efforts[193] - The company has pre-approved credit for 1.33 million rural households, exceeding 20.2 billion yuan, through its digital rural financial service platform[194] - The company has launched over 20 standardized credit products tailored to local agricultural industries, such as "Pickled Mustard Loan" and "Orange Loan"[195] Corporate Governance and Compliance - The 2024 interim financial report has been reviewed by KPMG Huazhen LLP under Chinese review standards and by KPMG under international review standards[4] - The company's registered and office address is at No. 36 Jinshamen Road, Jiangbei District, Chongqing, with a postal code of 400023[7] - The company's A-share stock is listed on the Shanghai Stock Exchange with the stock code 601077, and its H-share stock is listed on the Hong Kong Stock Exchange with the stock code 03618[8] - The company was established in 2008, listed on the H-share main board in 2010, and listed on the A-share main board in 2019, with main businesses including inclusive finance, corporate finance, and financial markets[10] - The company has 1 non-bank wholly-owned subsidiary and 1 non-bank controlled subsidiary, engaged in wealth management and financial leasing, and controls 12 village banks[10] - The company aims to become a nationally leading regional bank, focusing on "supporting agriculture and small businesses, serving the real economy"[11] - The company is leveraging its retail financial advantages, including a wide network of branches and leading customer groups, to drive the development of "pension finance" and "inclusive finance"[15] - The company is aiming to become a comprehensive financial market operator, promoting synergy across the group, and forming a full-chain customer service system of "investment + funds + custody"[17] - The company held 1 shareholders' meeting, 7 board meetings, and 6 supervisory board meetings during the reporting period, reviewing a total of 93 proposals and 68 reports[169] - The bank has adopted the "Standard Code for Securities Transactions by Directors of Listed Companies" and confirmed that all directors and supervisors complied with the code during the first half of 2024[171] - The bank's board of directors includes 9 members, with Chairman Xie Wenhui and President Sui Jun being key executives, and the board composition reflects a mix of executive, non-executive, and independent directors[174] - The bank's supervisory board consists of 7 members, including shareholder representatives, external supervisors, and employee representatives, ensuring diverse oversight[175] - The company and its shareholders, directors, supervisors, and senior management strictly fulfilled the commitments disclosed in the IPO prospectus and listing announcement[200] - Major shareholders committed not to transfer or entrust others to manage their shares within 36 months after the listing, with possible extensions under certain conditions[200] - After the lock-up period, shareholders must notify the company in writing before selling shares and comply with relevant regulations[200] - Internal employees holding shares over 50,000 committed not to transfer shares within 3 years after listing and to limit annual sales to 15% of their holdings thereafter[200] - Shareholders holding more than 1% of shares committed to comply with CSRC and SSE regulations on share reduction[200] Employee Structure and Training - The company has a total of 14,156 in-service employees, with 10,501 in business development, 530 in technology information, 1,017 in risk control, and 2,108 in operations and comprehensive management[180] - The age structure of employees is as follows: 1,573 aged 30 and below, 6,704 aged 31-40, 3,343 aged 41-50, and 2,536 aged 51 and above[180] - The educational structure of employees includes 1,019 with a master's degree or higher, 10,418 with a bachelor's degree, and 2,719 with a college degree or below[180] - As of the end of June 2024, the group has 14,592 in-service employees, including 14,156 in the bank and 436 in subsidiaries[181] - The bank also has 385 dispatched workers, 292 retired employees, and 7,587 retired employees[181] - The number of technology information employees decreased slightly compared to the end of the previous year due to some employees being formally transferred to Chongqing Yuyin Financial Technology Co., Ltd[181] - The bank's compensation policy includes basic salary, performance salary, and welfare income, with performance salary linked to annual operating performance[182] - In the first half of 2024, the bank conducted over 750 training sessions with more than 60,000 participants[184] - The proportion of employees with a bachelor's degree or higher has increased to 80.79%[184] Branch Network and Customer Service - The company has a total of 1,743 branches, including 1,439 in Chongqing's counties and 302 in Chongqing's main urban area, with a branch network covering all 38 administrative districts and counties in Chongqing[185] - The company has established 74 24-hour self-service banking centers and deployed 6,149 self-service devices, with a machine-to-branch ratio of 3

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任何聲明，並明確表示，概不對因本公告全部或任何部分內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 Chongqing Rural Commercial Bank Co., Ltd. * * : 3618 截至2024年6月30日止六個月中期業績公告 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.* （「本行」） 之董事會（「董事會」）欣然宣佈本行及所屬子公司（「本集團」）截至2024年6月30日止六個 月之未經審計中期合併業績（「中期業績」）。本業績公告列載本集團截至2024年6月30日 止六個月之中期報告全文，其內容是根據適用的香港聯合交易所有限公司（「香港聯交 所」）證券上市規則披露要求及按照國際財務報告準則編製。董事會及董事會審計委員 會已審閱此中期業績。本業績公告於本行的網站(www.cqrcb.com)及香港聯交所的網站 (www.hkexnews.hk)發佈。本行將按本行H股股東選擇收取公司通訊的方式向其寄發截至 2024年 ...

股 票 研 究 [Table_industryInfo] 商业银行 [ Table_Main[重I Tnaf 庆bol]e 农_Ti村tle]商 业银行（3618） [评Tab级le_：Inv est] 增持 当前价格（港元）： 3.32 营收企稳，资产质量稳定 2024.04.30 海 ——渝农商行2024 年一季报业绩点评 [ 交Ta易bl数e_M据a rket] 外 刘源(分析师) 钟昌静(研究助理) 52周内股价区间（港元） 2.66-3.35 当前股本（百万股） 11,357 公 021-38677818 010-83939787 当前市值（百万港元） 37,705 司 liuyuan023804@gtjas.com zhongchangjing028678@gtjas.com 证书编号 S0880521060001 S0880123070141 （ [ Table_PicQuote] 中 本报告导读： 52周内股价走势图 国 渝农商行2024年一季报业绩符合预期，营收企稳，净利润有一定下滑，信贷投放节 重庆农村商业银行 恒生指数 香 奏趋向均衡，资产质量保持稳定，维持增持评级。 20% 摘要： 港 ...

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任何聲明，並明確表示，概不對因本公告全部或任何部分內容 而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 * Chongqing Rural Commercial Bank Co., Ltd.* : 3618 2024年第一季度報告 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.*（「本行」或 「本銀行」）董事會（「董事會」）欣然宣佈本行及所屬子公司（「本集團」）截至 2024年3月31 日止第一季度期間（「本報告期」）按照國際財務報告準則編製的未經審計業績（「本季度報 告」）。本季度報告乃根據香港聯合交易所有限公司（「香港聯交所」）證券上市規則（「上市 規則」）第13.09條及證券及期貨條例（香港法例第571章）第XIVA部項下之內幕消息條文 （定義見上市規則）的要求做出。 重要內容提示 1. 本行董事會、監事會及董事、監事、高級管理人員保證本季度報告內容的真實、準 確、完整，不存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責 任 ...

Financial Performance - Net profit for 2023 reached RMB 11.125 billion, marking a 6.18% increase from the previous year[5]. - Total operating income for 2023 was RMB 27,957.2 million, down 3.40% from RMB 28,941.3 million in 2022[41]. - Revenue for the year was CNY 128 billion, with a net profit of CNY 11.1 billion, showing a growth rate of 6.18%[24]. - Net profit attributable to shareholders was RMB 10,902.4 million, a rise of 6.10% compared to RMB 10,275.6 million in 2022[41]. - Non-interest income reached RMB 4,464.1 million, representing an increase of 26.21% from RMB 3,537.1 million in the previous year[41]. - Total interest expense for 2023 was CNY 26.394 billion, an increase of CNY 0.540 billion, representing a growth of 2.09% driven by the growth in interest-bearing liabilities[56]. - The total amount of corporate loans and advances was RMB 327.78 billion, an increase of RMB 290.96 billion or 9.74% from the previous year[81]. Asset and Liability Management - Total assets increased to RMB 1,441.5 billion in 2023, representing a growth of 6.60% compared to 2022[5]. - Total liabilities reached RMB 1,317.58 billion, an increase of RMB 80.74 billion, representing a growth of 6.53%[92]. - The capital adequacy ratio increased to 15.99%, up from 15.62% in 2022, demonstrating robust capital management[11]. - The leverage ratio as of December 31, 2023, was 8.40%, up by 0.13 percentage points compared to the end of the previous year, driven by a higher growth rate of tier 1 capital[122]. - The net stable funding ratio stood at 126.22%, and the liquidity coverage ratio was 414.05%[100]. Loan and Deposit Growth - Total loans amounted to RMB 676.7 billion, up 6.96% year-on-year, while total deposits rose to RMB 824.9 billion, reflecting an 8.64% increase[5]. - Customer deposits totaled RMB 896.20 billion, an increase of RMB 71.26 billion, representing a growth of 8.64% compared to the previous year[93]. - The retail loan non-performing loan ratio increased to 1.60%, up 0.43 percentage points from the previous year, influenced by a slowdown in macroeconomic growth[110]. - The company provided a loan balance of 26 billion yuan for major projects in the Chengdu-Chongqing economic circle, enhancing its role in regional economic development[20]. Risk Management - The non-performing loan ratio improved to 1.22% in 2023, down from 1.25% in 2022[6][7]. - The provision coverage ratio stood at 366.70%, indicating strong risk management practices[8]. - The company has implemented a comprehensive risk management system, enhancing proactive risk management and monitoring capabilities in response to changing risk conditions[170]. - The company’s focus on risk monitoring in key sectors has led to a continuous improvement in asset quality, despite challenges in the retail loan segment[106]. Digital Transformation and Innovation - The company plans to accelerate its digital transformation in 2024, emphasizing a customer-centric organizational structure and innovative service models[21]. - The company has launched three "billion-level" online products to enhance financial service convenience and efficiency[18]. - The intelligent data decision platform provided a total of 422 million decision services in 2023, with a daily average of 1.156 million, representing a year-on-year increase of 156% and a decision success rate of 99.9%[145]. - The company has established a digital transformation strategy for its asset custody business, enhancing technological support for steady growth[143]. Strategic Focus and Market Position - The bank plans to distribute a dividend of RMB 2.885 per 10 shares for the 2023 fiscal year, subject to shareholder approval[12]. - The company's strategic vision aims to build the company into a leading regional bank in China, emphasizing a "customer-centric" approach and a "big retail" business model as the core competitive strength[31]. - The company achieved a global bank ranking of 115, reflecting significant growth and improvement in its operational performance[17]. - The company aims to enhance its financial services capabilities to support the real economy and contribute to national strategic initiatives[31]. Employee and Operational Efficiency - Employee costs accounted for 58.40% of total operating expenses in 2023, totaling RMB 573.5 million, a year-on-year increase of RMB 9.5 million[69]. - The company has increased its investment in financial technology talent, contributing to the rise in employee costs[69]. - The internal audit system was strengthened, focusing on strategic priorities and enhancing digital audit capabilities to improve operational efficiency[192]. Green Finance Initiatives - The green credit balance reached 62 billion yuan, with a year-on-year increase of 27.2%, highlighting the company's commitment to green finance initiatives[20]. - The company has established a "1+3+22+N" green finance system to promote green credit and financial products, seizing strategic opportunities in the Chengdu-Chongqing economic circle[37]. - The company continues to innovate green credit products and expand financing channels for enterprises[81]. Customer Engagement and Service Enhancement - The mobile banking app reached 14.38 million users by the end of 2023, with a net increase of 857,600 users, reflecting a growth rate of 6.34%[149]. - The total transaction amount for merchants reached CNY 187.13 billion, an increase of CNY 22.69 billion, representing a growth of 13.80% year-on-year[132]. - The company achieved a customer satisfaction rate of 99.26% in its telephone banking services, handling 7.1334 million customer calls during the reporting period[148].