重庆银行股份有限公司 详式权益变动报告书 上市公司名称：重庆银行股份有限公司 股票上市地点：上海证券交易所、香港联合交易所 股票简称：重庆银行 股票代码：601963.SH（A 股）、01963.HK（H 股） 信息披露义务人之一：重庆渝富资本运营集团有限公司 住所：重庆市两江新区黄山大道东段 198 号 通讯地址：重庆市两江新区黄山大道东段 198 号 信息披露义务人之二：重庆水务环境控股集团有限公司 住所：重庆市渝中区虎踞路 80 号 通讯地址：重庆市渝中区虎踞路 80 号 一致行动人之九：重庆家具总公司 住所：重庆市九龙坡区科创路 65 号附 2-1-2 通讯地址：重庆市九龙坡区科创路 65 号附 2-1-2 一致行动人之一：中国四联仪器仪表集团有限公司 住所：重庆市北碚区蔡家岗镇同熙路 99 号 通讯地址：重庆市北碚区蔡家岗镇同熙路 99 号 一致行动人之二：重庆渝富（香港）有限公司 住所：香港特别行政区油尖旺区尖沙咀海港城金融中心南塔楼 13 楼 5-15 通讯地址：香港特别行政区油尖旺区尖沙咀海港城金融中心南塔楼 13 楼 5-15 一致行动人之三：重庆川仪自动化股份有限公司 住所：重庆市北碚区人 ...

证券代码：601963 证券简称：重庆银行 公告编号：2025-020 可转债代码：113056 可转债简称：重银转债 重庆银行股份有限公司 关于股东权益变动的提示性公告 本次权益变动前，渝富资本及其一致行动人合并持有本行股份 526,396,189 股，持股比例为 15.15%。具体持股情况如下表列示： | | | 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: 本次权益变动未触及要约收购，未导致本行第一大股东发生变化。 近日，重庆银行股份有限公司（以下简称"本行"）收到本行第一大股东重 庆渝富资本运营集团有限公司（以下简称"渝富资本"）发来的关于权益变动的 告知函。为增强国有企业服务与保障国家战略能力，提质提速水务水利和环境基 础设施建设，重庆水务环境控股集团有限公司（以下简称"水务环境"）拟通过 国有股权无偿划转方式合计取得重庆市水利投资（集团）有限公司（以下简称"水 投集团"）100%的股权，从而间接取得本行 8.50%的股份。同时，重庆市国有 资产监督管理委员会将持有的水务环境 80%股权无偿划转给渝富 ...

Investment Rating - The investment rating for Chongqing Bank is "Buy" (maintained) [5] Core Views - Chongqing Bank reported a revenue of 13.7 billion yuan in 2024, a year-on-year increase of 3.54%, and a net profit attributable to shareholders of 5.1 billion yuan, up 3.80% year-on-year. The non-performing loan ratio and provision coverage ratio at the end of Q4 2024 were 1.25% and 245.08%, respectively, showing a slight decrease from the previous quarter [1][2][4] - The bank's performance is supported by a significant increase in income from wealth management and other non-interest income, with net commission income growing by 116% year-on-year [2][3] - The asset quality indicators have shown improvement, with a decrease in the non-performing loan ratio for corporate loans and a stable outlook for personal loans [4][10] Summary by Sections Performance Overview - In 2024, Chongqing Bank's operating income and net profit attributable to shareholders grew by 3.5% and 3.8%, respectively. The net interest income decreased by 2.6% year-on-year, while the net interest margin for 2024 was 1.35%, down 7 basis points from the previous year [2][3] - The bank's fee and commission income saw a remarkable increase, primarily driven by a 95% growth in agency wealth management income [3] Asset Quality - The non-performing loan ratio at the end of Q4 2024 was 1.25%, down 1 basis point from the previous quarter. The attention ratio and overdue ratio also showed improvements [4] - The corporate loan non-performing loan ratio decreased to 0.90%, while the personal loan non-performing loan ratio increased to 2.71% [4][10] Asset and Liability Management - As of Q4 2024, total assets and loans amounted to 8,566 billion yuan and 4,383 billion yuan, respectively, reflecting year-on-year growth of 12.7% and 12.3% [10] - The bank's total liabilities and deposits reached 7,929 billion yuan and 4,610 billion yuan, with year-on-year increases of 13.17% and 13.47% [10] Investment Outlook - Chongqing Bank is expected to benefit from the development opportunities arising from the Chengdu-Chongqing economic circle. The bank's net profit growth is projected to be 3.96%, 4.03%, and 4.18% for 2025-2027 [11]

Financial Performance - The bank's net profit for 2024 is projected to be CNY 4.793 billion, with a proposed cash dividend of CNY 0.248 per share, amounting to a total distribution of approximately CNY 479 million[8]. - Net profit for 2024 was CNY 5,521,031 thousand, reflecting a 5.59% increase from CNY 5,228,955 thousand in 2023[46]. - The net profit for 2024 exceeded 5.5 billion RMB, representing a year-on-year growth of 5.59%[57]. - The total income for the year was CNY 136.8 billion, marking a growth of 3.54% compared to the previous year[66]. - In 2024, the company achieved operating income of RMB 13.68 billion, an increase of RMB 467.83 million, representing a growth rate of 3.54%[72]. - The company's retained earnings amounted to RMB 25,363.11 million, accounting for 39.78% of total equity[158]. Asset and Loan Growth - The total assets of Bank of Chongqing reached CNY 856.64 billion, with total deposits of CNY 474.12 billion and total loans of CNY 440.62 billion, achieving a non-performing loan ratio of 1.25% and a provision coverage ratio of 245.08%[11]. - Total assets grew by 12.73% to CNY 856,641,840 thousand from CNY 759,883,870 thousand in 2023[48]. - Customer loans and advances increased by 12.13% to CNY 440,616,361 thousand from CNY 392,934,966 thousand in 2023[48]. - Total customer loans and advances reached RMB 440.62 billion, an increase of RMB 476.81 billion or 12.13% compared to the previous year[125]. - The total overdue loans amounted to RMB 76.02 billion, representing 1.73% of the total customer loans, a decrease of 0.22 percentage points from the previous year[184]. Risk Management and Asset Quality - The non-performing loan ratio improved to 1.25% in 2024, down from 1.34% in 2023, a reduction of 0.09 percentage points[50]. - The loan loss provision balance increased to RMB 13.35 billion, with a non-performing loan coverage ratio of 245.08%, up by 10.90 percentage points year-on-year[193]. - The proportion of normal loans increased to 96.11% of total loans, up from 95.30% the previous year[162]. - The company aims to stabilize asset quality by addressing risks in key areas and improving the management of non-performing assets, with a focus on reducing the cost of liabilities and optimizing the asset-liability structure[31]. Strategic Initiatives and Innovations - The company aims to achieve a higher level of development and faster growth, targeting entry into the "trillion club" of commercial banks[30]. - The company has redefined its strategic framework to a "five high" strategy, focusing on high goals, high positioning transformation, high efficiency operation, high-quality service, and high-quality development[30]. - The bank's focus on digital transformation has made it the first local bank in China to have innovative applications recognized in the central bank's fintech innovation pilot program for five consecutive years[12]. - The company is enhancing its technological capabilities to support business transformation and improve risk management systems[35]. Awards and Recognition - The company received multiple awards in 2024, including the "Best Practice of Annual Report Performance Briefing" from the China Listed Companies Association[27]. - The company was recognized as a "Model Case for Rural Financial Services" by the China Rural Credit Cooperative Newspaper in September 2024[20]. - The company won the "Outstanding Wealth Management City Commercial Bank" award at the 2024 Jin Yu Awards[26]. - The company was awarded the "Data Governance Innovation Award" for five consecutive years by DAMA China[23]. Customer and Market Engagement - The bank provided over CNY 150 billion in credit support to key strategic areas, including the Chengdu-Chongqing economic circle and the modern manufacturing industry cluster in Chongqing[12]. - The bank's total loans to small and micro enterprises increased by CNY 10.822 billion compared to the end of the previous year, demonstrating its support for local economic development[12]. - The company emphasizes enhancing customer service quality and expanding its client base, particularly in emerging industries[30]. - The bank operates 199 branches across Chongqing and neighboring provinces, enhancing its market presence and service capabilities[11].

重庆银行股份有限公司 内部控制审计报告 2024年12月31日 ■ 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台（http://ac.cmof.gov.cn） 进行查 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台（http://acc.mof.gov.cn） 进行查 Frnst & Young Hua Ming I I P 安永华明会计师事务所(特殊普通合伙) 国北京市东城区东长安街 1 号 Tel 电话:+86 10 5815 3000 Fax 传直:+86 10 8518 8298 内部控制审计报告 安永华明（2025）专字第70023001_B01号 重庆银行股份有限公司 重庆银行股份有限公司全体股东: 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求,我们审计 了重庆银行股份有限公司（以下简称"重庆银行"）2024年12月31日的财务报告内部控 制的有效性。 二、注册会计师的责任 我们的责任是在实施审计工作的基础上,对财务报告内部控制的有效性发表审计意 见，并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、内部控制的固有局限性 内部控制具有固有局限性,存在不 ...

2024 重庆银行股份有限公司 目 录 | | 页 次 | | --- | --- | | 审计报告 | 1 - 7 | | 已审财务报表 | | | 合并资产负债表 | 8 - 9 | | 银行资产负债表 | 10 - 11 | | 合并利润表 | 12 - 13 | | 银行利润表 | 14 - 15 | | 合并现金流量表 | 16 - 17 | | 银行现金流量表 | 18 - 19 | | 合并股东权益变动表 | 20 - 21 | | 银行股东权益变动表 | 22 - 23 | | 财务报表附注 | 24 - 231 | | 补充资料 | | | 1. 非经常性损益明细表 | 1 | | 2. 中国会计准则与国际财务报告准则财务报表差异说明 | 1 | | 3. 净资产收益率及每股收益 | 2 | 2025 70023001_B01 2024 12 31 2024 2024 12 31 2024 1 审计报告(续) 安永华明（2025）审字第70023001 B01号 重庆银行股份有限公司 三、关键审计事项(续) | 关键审计事项: | 该事项在审计中是如何应对: | | --- | --- | ...

2025 年 3 月 21 日 重庆银行股份有限公司 2024 年度独立董事述职报告 （刘星） 2024 年，本人作为重庆银行股份有限公司（以下简称"重庆银行"或"公 司"）独立董事，严格按照《中华人民共和国公司法》《银行保险机构公司治理准 则》《上市公司独立董事管理办法》《上海证券交易所股票上市规则》《香港联合 交易所有限公司证券上市规则》等有关法律、法规、规范性文件以及《重庆银行 股份有限公司章程》（以下简称"《公司章程》"）的要求，恪守诚信原则，切实发 挥自身专业优势，忠实、勤勉、专业、高效地履行职责和义务，切实维护公司和 公司全体股东的合法权益。现将本人 2024 年度履职情况报告如下： 一、个人基本情况 本人现任重庆大学经济与工商管理学院教授、博士研究生导师、重庆大学财 务与会计研究中心主任、国家社会科学基金学科评审组专家、国家自然科学基金 学科评审组专家，是非执业注册会计师以及国务院特殊津贴专家。曾任重庆大学 经济与工商管理学院会计学系主任，重庆大学经济与工商管理学院院长，重庆大 学－沃顿联合金融研究中心中方主任，中国会计学会教育分会会长，国务院学位 委员会第七届工商管理学科评议组成员，教育部第五 ...

重庆银行股份有限公司独立董事对第七届董事会 第七次会议相关事项的事前认可意见 根据《中华人民共和国公司法》《上市公司独立董事管理办法》《上海证券 交易所股票上市规则》《上海证券交易所上市公司自律监管指引第 5 号—交易与 关联交易》等法律、法规和规范性文件以及《重庆银行股份有限公司章程》《重 庆银行股份有限公司关联交易管理办法》等有关规定，我们作为重庆银行股份有 限公司（以下简称"公司"）的独立董事，对拟提交公司第七届董事会第七次会 议审议的相关事项进行了事前审核，经过认真审阅相关资料，现发表事前认可意 见如下： 重庆银行股份有限公司独立董事 一、关于 2025 年度日常关联交易预计额度的事前认可意见 刘星、王荣、冯敦孝、朱燕建、刘瑞晗 《关于 2025 年度日常关联交易预计额度的议案》所涉的关联交易事项属于 银行正常经营范围内的常规业务，公司与关联方之间的交易拟遵循市场化定价原 则，以不优于对非关联方同类交易的条件进行，不存在损害公司、股东，特别是 中小股东利益的情形，符合关联交易管理要求的公允性原则，符合法律法规和《重 庆银行股份有限公司章程》《重庆银行股份有限公司关联交易管理办法》等规定， 符合公司和公 ...

重庆银行股份有限公司 BANK OF CHONGQING CO., LTD. 二〇二四年度报告摘要 A 股股票代码：601963 A 股股票简称：重庆银行 2024 年度报告摘要 一、重要提示 二、公司基本情况 | 法定中文名称：重庆银行股份有限公司（简称：重庆银行） | | | | | --- | --- | --- | --- | | A股股票简称 | 重庆银行 | H股股票简称 | 重庆银行 | | A股股票代码 | 601963 | H股股票代码 | 01963 | | A股股票上市交易所 | 上海证券交易所 | H股股票上市交易所 | 香港联合交易所有限公司 | | 董事会秘书 | 侯曦蒙 | 证券事务代表 | 王雨 | | 通讯地址 | 中国重庆市江北区永平门街6号 | | | | 电话 | +86(23)63367688 | | | | 电子邮箱 | ir@cqcbank.com | | | 2.2 业务概要 本行是中国西部和长江上游地区成立最早的地方性股份制商业银行之一，前身是 1996 年由 37 家 城市信用社及城市信用联社共同组建的重庆城市合作银行。1998 年更名为重庆市商业银行股份有 ...