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。 中國•重慶，2024年10月16日 * 本行經中國銀行業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╱接受存業務。 Chongqing Rural Commercial Bank Co., Ltd. * * : 3618 董事會會議召開日期 重慶農村商業銀行股份有限公司Chongqing Rural Commercial Bank Co., Ltd.*（「本行」）董 事會（「董事會」）茲通告謹定於2024年10月29日（星期二）舉行董事會會議，以審議及通過 （其中包括）本行及其附屬公司截至2024年9月30日止九個月的未經審核季度業績，及建議 中期股息（如有）之事宜 ...

特此公告。 重庆农村商业银行股份有限公司董事会 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个别及连带责任。 重庆农村商业银行股份有限公司（以下简称"本行"）近日收到本行董事 长谢文辉先生提交的书面辞职信，谢文辉先生因工作调动，辞去本行董事长、 执行董事、董事会战略发展委员会主任委员、三农金融服务委员会主任委员及 提名委员会委员职务。谢文辉先生的辞任自其辞职信送达本行董事会之日起生 效。经谢文辉先生确认，其与本行董事会无不同意见，无其他事项需要通知本 行股东。 谢文辉先生自 2013 年起担任本行党委副书记、行长，自 2022 年起担任本 行党委书记、董事长。任职期间，始终坚持以习近平新时代中国特色社会主义 思想为指导，完整、准确、全面贯彻新发展理念，深入践行金融工作的政治性 和人民性，全力做好金融"五篇大文章"，恪尽职守、求真务实、锐意进取、 开拓创新，带领本行深入实施"零售立行、科技兴行、人才强行"战略，深化 "一体四驱"发展体系，坚持把金融服务实体经济作为根本宗旨，积极践行 "以客户为中心"理念，大力实施数字化转型升级，持续提升服 ...

经参会董事推举，本次会议由执行董事隋军先生主持。本次会议审议通过了 以下议案： 一、《关于推举隋军先生履行重庆农村商业银行股份有限公司董事长职务的 议案》 表决情况：有效表决票 8 票，同意 8 票，反对 0 票，弃权 0 票。 证券代码：601077 证券简称：渝农商行 公告编号：2024-032 重庆农村商业银行股份有限公司 第五届董事会第四十七次会议决议公告 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个别及连带责任。 重庆农村商业银行股份有限公司（以下简称"本行"）第五届董事会第四十 七次会议于2024年10月16日在本行总行401会议室以现场结合通讯方式召开。 本行已于 2024 年 10 月 14 日以电子邮件形式发出会议通知和材料。本次会议应 出席董事 8 名，实际出席董事 8 名（其中，现场出席董事 1 名，董事张培宗先生 书面委托隋军先生代为出席会议并行使表决权，董事胡淳女士、殷祥林先生、张 桥云先生、李明豪先生、李嘉明先生、毕茜女士以通讯方式参会）。会议的召开 符合法律、法规、规章和本行章程的有关规定。 战略发展委员 ...

FF301 截至月份: 2024年9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 重慶農村商業銀行股份有限公司 呈交日期: 2024年10月7日 I. 法定/註冊股本變動 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03618 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 2,513,336,041 | RMB | | | 1 RMB | | 2,513,336,041 | | 增加 / 減少 (-) | | | | | | | RMB | | | | 本月底結存 | | | 2,513,336,041 | RMB | | | 1 RMB | | 2,513,336,041 | | ...

重庆农村商业银行股份有限公司 重要内容提示： 1. 重庆农村商业银行股份有限公司（以下简称"本行"）同意对浙江网商银 行股份有限公司（以下简称"浙江网商银行"）同业授信额度 12 亿元，授信期限 1 年。本次关联交易无需提交本行董事会和股东大会审议。 关于关联交易事项的公告 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个别及连带责任。 证券代码：601077 证券简称：渝农商行 公告编号：2024-030 浙江网商银行成立于 2015 年，法定代表人金晓龙，注册资本 65.714 亿元， 地址为浙江省杭州市西湖区古荡街道西溪路 556 号，企业类型为股份有限公司。 经营范围为：银行业务；公募证券投资基金销售（依法须经批准的项目，经相关 部门批准后方可开展经营活动，具体经营项目以审批结果为准）。 截至 2023 年末，浙江网商银行资产总额 4,521.30 亿元，负债总额 4,263.62 亿元，净资产 257.68 亿元。全年实现营业收入 187.43 亿元，实现净利润 42.03 亿元。 三、关联交易的定价依据 本次授信后拟发生业务按 ...

Investment Rating - The report maintains an "Accumulate" rating for the company [1][5]. Core Views - The company achieved a Q2 profit growth rate of 26%, with revenue growth turning positive in the same quarter. For H1 2024, revenue and net profit attributable to the parent company decreased by 1.3% and increased by 5.3% year-on-year, respectively. Q2 figures showed a revenue increase of 0.2% and a net profit increase of 26.3% year-on-year, exceeding expectations [1][3]. - Loan growth was steady, with corporate loans contributing over 90%. In H1 2024, total loans increased by 4.9% year-on-year, with corporate loans rising by 8%. New loans added in H1 2024 were approximately 30 billion, which was a decrease of about 10 billion year-on-year, primarily due to retail loan performance [1][2][3]. - The cost of liabilities improved significantly, with a slight decrease in net interest margin in Q2. The net interest margin for H1 2024 was 1.63%, down 16 basis points year-on-year, with a slight decrease of 2 basis points in Q2. The loan yield decreased by 43 basis points to 4.25% [2][3]. - The non-performing loan (NPL) ratio remained stable at 1.19%, with a provisioning coverage ratio decreasing by 7 percentage points to 360%. The overdue and attention rates increased, influenced by retail loans. The overdue rate rose to 1.52%, with the estimated NPL generation rate increasing to approximately 0.82% [4][5]. - Earnings forecasts have been slightly adjusted, with EPS for 2024 and 2025 projected at 1.02 yuan and 1.07 yuan, respectively. The estimated net asset value per share by the end of 2024 is expected to be 10.92 yuan, corresponding to a price-to-book (PB) ratio of 0.48 times based on the closing price on August 28, 2024 [5][7].

证券代码：601077 证券简称：渝农商行 公告编号：2024-029 重庆农村商业银行股份有限公司 关于召开 2024 年半年度业绩说明会的公告 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个别及连带责任。 重要内容提示： 重庆农村商业银行股份有限公司（以下简称"本行"）于 2024 年 8 月 29 日 披露了 2024 年半年度报告，为使广大投资者更加全面、深入地了解本行 2024 年 半年度经营成果、财务状况，本行计划于 2024 年 9 月 6 日(星期五)14:00-15:30 举行 2024 年半年度业绩说明会，就投资者普遍关注的问题进行回答。 一、业绩说明会类型 （三）会议召开方式：上证路演中心视频直播和网络互动 三、参加人员 本行董事长、行长、副行长等高级管理人员、独立董事代表及本行部分部 门负责人。如有特殊情况，参加人员可能会有调整。 四、投资者参加方式 （一）投资者可在 2024 年 9 月 6 日(星期五)14:00-15:30，通过互联网登 录上证路演中心（http://roadshow.sseinfo.com ...

渝农商行（601077.SH） 执业证书编号：S0680524010001 邮箱：chenhuiqin@gszq.com 息差降幅收窄，成本管控成效显著 业绩：营收、利润双提升，成本管控成效明显 渝农商行 24H1 营收、归母净利润增速分别为-1.3%、+5.3%，分别较 24Q1 降幅收窄 1.6pc、提升 16.1pc，营收及利润增速双双提升，主要受益于 24Q2 息差降幅收窄、投资收益增加、业务及管理费下降。 1）利息净收入：24H1 同比增速为-8.0%，较 24Q1 降幅收窄 1.2pc，24H1 净息差为 1.63%，较 23A 下降 10bps，其中 24Q1 下降 9bps、24Q2 下降 1bp，累计降幅收窄。 A、生息资产收益率（3.49%）、贷款收益率（4.07%）分别较 23A 下降 18bps、下降 30bps，其中对公贷款、个人贷款分别较 23A 下降 20bps、 下降 43bps 至 4.25%、4.40%，公司持续加大对实体经济的支持力度，贷 款在生息资产中的占比较 23A 提升 1.4pc 至 50.5%。 B、计息负债成本率（1.95%）、存款成本率（1.79%）分别较 ...

Investment Rating - The report maintains a "Recommend" rating for Chongqing Rural Commercial Bank (渝农商行) [2][3] Core Views - Profit growth has significantly rebounded, with a 5.3% YoY increase in net profit attributable to the parent company in H1 2024 [1] - The bank plans to implement an interim dividend, maintaining a dividend payout ratio of around 30% for the past three years [2] - The net interest margin (NIM) is expected to narrow its decline, supported by improved deposit costs [2] Financial Performance - Revenue in H1 2024 was RMB 14.7 billion, a YoY decrease of 1.3%, but the decline narrowed compared to Q1 2024 [1] - Net interest income and fee income decreased by 8.0% and 9.4% YoY, respectively, while other non-interest income surged by 47.2% [1] - The cost-to-income ratio continued to decline, reaching 27.2% at the end of H1 2024, down 2.0 percentage points from Q1 2024 [1] Loan and Deposit Growth - Total assets, loans, and deposits grew by 5.0%, 4.9%, and 4.3% YoY, respectively, in H1 2024 [1] - Corporate loans increased by 8.0% YoY, while personal loans decreased by 0.9%, mainly due to pressure on mortgage loan growth [1] Asset Quality - The non-performing loan (NPL) ratio remained stable at 1.19% at the end of H1 2024 [1] - The provision coverage ratio stood at 360%, indicating strong risk resistance capabilities [1] Profit Forecast - EPS for 2024-2026 is forecasted to be RMB 1.01, 1.07, and 1.13, respectively [2] - The P/B ratio is 0.5x based on the closing price on August 28, 2024 [3] Balance Sheet and Asset Quality Projections - Total assets are projected to grow from RMB 14.4 trillion in 2023 to RMB 18.4 trillion by 2026 [11] - The NPL ratio is expected to decline from 1.19% in 2023 to 1.02% by 2026 [13] - The net interest margin (NIM) is forecasted to decrease from 1.67% in 2023 to 1.30% by 2026 [13] Valuation Metrics - The P/E ratio is projected to remain at 5x from 2024 to 2026 [12] - The P/B ratio is expected to decrease from 0.5x in 2024 to 0.4x by 2026 [12]

Investment Rating - The report maintains a "Buy" rating for the company with a target price of 5.80 CNY per share, based on a current stock price of 5.19 CNY [4]. Core Insights - Revenue and profit growth have rebounded, with year-on-year growth rates for revenue, PPOP, and net profit attributable to shareholders improving to -1.3%, 6.5%, and 5.3% respectively as of H1 2024 [1]. - The bank's asset quality remains stable, with a non-performing loan (NPL) ratio of 1.19% and a slight decline in the provision coverage ratio to 360.3% [1]. - The bank's strategy focuses on regional development and industrial upgrades, which supports credit issuance, particularly in the public and manufacturing sectors [1]. Financial Performance Summary - The company's revenue for 2024 is projected at 27,587 million CNY, with a year-on-year growth of -1.3% [3]. - The net profit attributable to shareholders is expected to reach 11,588 million CNY in 2024, reflecting a growth of 6.3% [3]. - Earnings per share (EPS) for 2024 is forecasted at 1.00 CNY, with book value per share (BVPS) estimated at 10.95 CNY [2]. Asset Quality and Risk Management - The NPL ratio has remained stable at 1.19%, while the attention rate has increased by 27 basis points to 1.41% [1]. - The bank's provision coverage ratio has decreased slightly, indicating a robust buffer against potential loan losses [1]. Market Comparison - The average price-to-book (PB) ratio for comparable companies in 2024 is adjusted to 0.53, suggesting the company's current PB of 0.47 indicates potential undervaluation [2][6]. - The report highlights the bank's competitive position within the industry, with a lower decline in net interest margin compared to peers [1].