FF301 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 截至月份: 2024年11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12月2日 I. 法定/註冊股本變動 | 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 | | 2. 股份分類 | 普通股 | ...

重庆农村商业银行股份有限公司 2024 年第一次临时股东大会 会 议 文 件 2024 年 12 月 | 分配方案的议案·························································6 | | --- | 会议须知 尊敬的各位股东： 为维护全体股东的合法权益，确保股东大会会议秩序和议 事效率，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《上市公司股东大会规则》 《重庆农村商业银行股份有限公司章程》（以下简称"《公司 章程》"）和《重庆农村商业银行股份有限公司股东大会议事 规则》等相关规定，特制定本须知。 一、本行根据《公司法》《中华人民共和国证券法》《上 市公司股东大会规则》和《公司章程》的规定，认真做好召开 本次股东大会的各项工作。 二、本行董事会以维护股东的合法权益、确保大会正常秩 序和议事效率为原则，认真履行《公司章程》中规定的职责。 三、股东及股东代理人参与股东大会依照法律法规享有发 言权、质询权、表决权等权利。根据《公司章程》规定，股东 特别是主要股东在本行授信逾期时，或者质押本行股权数量达 到或超过其持有本行股 ...

一、 召开会议的基本情况 (一) 股东大会类型和届次 2024 年第一次临时股东大会 召开的日期时间：2024 年 12 月 16 日 上午 10 点 召开地点：重庆市江北区金沙门路 36 号重庆农村商业银行股份有限公司大 证券代码：601077 证券简称：渝农商行 公告编号：2024-038 重庆农村商业银行股份有限公司 关于召开 2024 年第一次临时股东大会的通知 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。 重要内容提示： 股东大会召开日期：2024年12月16日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 (二) 股东大会召集人：董事会 (三) 投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相结 合的方式 (四) 现场会议召开的日期、时间和地点 厦会议中心 (五) 网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自 2024 年 12 月 16 日 至 2024 年 12 月 16 日 采用上海证券交易所网络投票系统，通过交 ...

证券代码：601077 证券简称：渝农商行 公告编号：2024-037 重庆农村商业银行股份有限公司 第五届董事会第四十九次会议决议公告 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个别及连带责任。 二、《关于修订<重庆农村商业银行金融市场业务基本制度>的议案》 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 九次会议于2024年11月26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 11 月 20 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 2 名，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。 一、《关于审议<重庆农村商业银行股份有限公司恢复计划（2024 年度）>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。 表决情况：有效表决票 8 票，同意 8 票，反对 0 票，弃权 0 票。 三、 ...

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份內容 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。 載有將於2024年第一次臨時股東大會上提呈的決議案詳情的通函及通告，將適時登載於 香港聯合交易所有限公司網站(www.hkexnews.hk)及本行網站(www.cqrcb.com)，並按本行 H股股東選擇收取公司通訊方式寄發予本行H股股東。 代表董事會 重慶農村商業銀行股份有限公司* Chongqing Rural Commercial Bank Co., Ltd.* 執行董事兼行長 隋軍 Chongqing Rural Commercial Bank Co., Ltd. * * : 3618 公告 暫停辦理股份過戶登記 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」）謹此宣佈，本行擬於2024年12月16日（星期一）舉行本行2024年第一次臨 時股東大會（「2024年第一次臨時股東大會」）。 為確定有權 ...

FF301 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 截至月份: 2024年10月31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11月1日 I. 法定/註冊股本變動 | 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 | ...

Investment Rating - The report maintains a "Buy" rating for the company [3][6]. Core Views - The performance of the company in Q3 2024 was slightly below expectations, with a slowdown in other non-interest income growth, which weakened its revenue support. However, net interest margins stabilized, and asset quality remained generally stable [3]. - The loan demand has been weak in 2024, compounded by multiple LPR cuts and a decline in existing mortgage rates. The net profit growth forecasts for 2024-2026 have been adjusted to 3.28%/3.30%/5.07%, with corresponding EPS estimates of 0.99 (unchanged)/1.02 (-0.02)/1.08 (-0.04) yuan. The target price has been raised to 6.77 yuan, corresponding to a 0.61x PB for 2024, while maintaining the "Buy" rating [4][6]. - Q3 2024 saw a slight decline in revenue and profit, with a revenue growth rate of -2.7%, down 2.9 percentage points from Q2. Net interest income decreased by 4.8%, but the decline was mitigated by stabilized interest margins. The net income growth rate rebounded to -0.6% due to effective cost control measures [4][6]. Financial Summary - For 2024, the company expects total revenue of 27,595 million yuan, a decrease of 1.3% from 2023. The net profit attributable to the parent company is projected to be 11,260 million yuan, reflecting a growth of 3.3% [5]. - The net interest margin for the first three quarters of 2024 was 1.61%, a decrease of 0.16 percentage points year-on-year, with a Q3 margin of 1.48%, showing a slight recovery from Q2 [4][5]. - The company’s asset quality remained stable, with a non-performing loan balance of 8.372 billion yuan and a non-performing loan ratio of 1.17% as of Q3 2024, both showing a decrease from Q2 [4][5].

Investment Rating - The investment rating for the company is "Buy" (maintained) [1] Core Views - The company reported a revenue of 21.514 billion yuan for the first three quarters of 2024, a year-on-year decrease of 1.8%, while the net profit attributable to shareholders was 10.308 billion yuan, an increase of 3.5% year-on-year [2][10] - Interest income remains under pressure, but other non-interest income has contributed positively to performance, with investment gains showing a remarkable growth of 148.3% year-on-year [2][10] - The company is expected to benefit from the strong credit demand in the Chengdu-Chongqing economic circle, with projected net profit growth of 5.1%, 6.5%, and 7.4% for 2024-2026 [4][20] Summary by Sections Interest Income Pressure and Non-Interest Contribution - The company experienced a decline in revenue, with a total of 21.514 billion yuan for 1-3Q24, down 1.8% year-on-year. The net profit for the same period was 10.308 billion yuan, up 3.5% year-on-year [2][10] - Interest income is under pressure, contributing negatively to performance, while non-interest income, particularly from investment gains, has significantly improved [2][10] Steady Growth in Scale and Balanced Corporate and Retail Loans - As of 3Q24, total loans amounted to 715.4 billion yuan, reflecting a year-on-year increase of 5.3%, with balanced growth in both corporate and retail loans [3][13] - Total deposits reached 939.9 billion yuan, up 3.5% year-on-year, although the growth rate has slowed [3][13] Liability Cost Optimization and Narrowing Interest Margin - The net interest margin for 1-3Q24 was 1.61%, a year-on-year decrease of 16 basis points, but the decline has narrowed by 5 basis points [14][15] - The company has effectively managed its liabilities, leading to a reduction in interest costs [14][15] Asset Quality and Adequate Provision Coverage - The non-performing loan ratio stood at 1.17% at the end of 3Q24, showing a slight decrease from the end of 1H24, with a provision coverage ratio of 359% [17][19] - The company’s asset quality is expected to remain stable as it continues to mitigate risks in key areas [17][19] Investment Recommendations - The company is expected to benefit from the robust credit demand in the Chengdu-Chongqing economic circle, with a projected price-to-book (PB) ratio of 0.53, 0.50, and 0.47 for 2024-2026 [4][20]

Investment Rating - The report maintains a "Buy" rating for the company, indicating a favorable outlook for its stock performance in the coming months [5]. Core Insights - The company reported a revenue of 21.51 billion yuan for the first three quarters of 2024, a year-on-year decrease of 1.8%, while the net profit attributable to shareholders was 10.31 billion yuan, reflecting a year-on-year increase of 3.5% [1]. - The non-performing loan ratio decreased to 1.17% as of the end of Q3 2024, down by 2 basis points from the previous quarter, indicating improved asset quality [2]. - The bank's total assets reached 1.52 trillion yuan, with total loans amounting to 715.4 billion yuan, showing a year-on-year growth of 4.8% and 5.3% respectively [3]. - The bank is expected to benefit from the development of the Chengdu-Chongqing economic circle, with projections for net profit attributable to shareholders of 11.57 billion yuan, 12.29 billion yuan, and 13.14 billion yuan for 2024, 2025, and 2026 respectively [3]. Financial Performance Summary - For the first three quarters of 2024, net interest income decreased by 6.9% year-on-year, while non-interest income from fees and commissions fell by 9.7% [1]. - The bank's cost of deposits has been optimized, with the deposit cost rate decreasing to 1.76%, down by 3 basis points from the first half of 2024 [1]. - The bank's provision coverage ratio stood at 359% as of Q3 2024, indicating strong risk compensation capabilities [2]. - The bank's total liabilities and total deposits were 1.39 trillion yuan and 939.9 billion yuan respectively, with year-on-year growth rates of 4.6% and 3.5% [3].

Investment Rating - The report maintains a "Recommended" rating for the company, with a target price corresponding to 0.5 times the 2024 PB based on the closing price on October 29, 2024 [4][6]. Core Views - The company has shown steady profit growth, with a year-on-year increase of 3.5% in net profit for the first three quarters of 2024, despite a slight decline in revenue [3][4]. - Asset quality continues to improve, with a decrease in the non-performing loan ratio to 1.17% and a high provision coverage ratio of 359% [3][4]. - The company is well-positioned for credit expansion, supported by significant local economic projects, and maintains a cash dividend payout ratio of at least 30% [4]. Financial Performance Summary - For the first three quarters of 2024, the company achieved a total revenue of 21.5 billion yuan, a year-on-year decrease of 1.8%, while net profit reached 10.3 billion yuan, reflecting a year-on-year increase of 3.5% [3]. - The net interest income decreased by 6.9%, while other non-interest income saw a significant increase of 39.1% [3]. - The total assets and loan amounts grew by 4.8% and 5.3% year-on-year, respectively, with public loans increasing by 9.7% and personal loans slightly declining by 0.4% [3][4]. Asset Quality and Risk Management - The non-performing loan ratio improved to 1.17%, down by 2 basis points from the end of the first half of 2024, indicating enhanced asset quality [3][4]. - The provision coverage ratio remains robust at 359%, reflecting strong risk mitigation capabilities [3][4]. Earnings Forecast - The expected earnings per share (EPS) for 2024, 2025, and 2026 are projected to be 1.01 yuan, 1.07 yuan, and 1.13 yuan, respectively [4][30]. - The report anticipates a gradual increase in net profit growth rates, with estimates of 5.6% for 2024 and 5.5% for 2025 [30].