渝农商行：重庆农村商业银行股份有限公司2023年半年度报告

2023825202311111202320232023 134111414153947505862637072768498201204 1.2.3.4.2023 7710-12 20082010201911 “”“”“”“”“”“” 1.“” “”“”“”“” “” “”“”“”“”“”“”“” “B2C”“BBC”“” (bank to customer)“” (bank-business-customer)BBC “”“OMO”APP “” 1,449 BBC“”“+” “” APP“”“” 2.“” (1) “” (2) (3) AI“”“” “” “”“+”“+” “” “” (4) “”“”“”“”“”“”“”“” “” “” “” “++++” “”“”“” “”“A+H”“”“” “”“”“” “” “”“”“ 1+3+22+N”“”“”“” “”“”“+”“+”“+++” (1)9(2010(2)“”(3)(4)(5)(6)(7)(8) 2023“’”“”“”“” 14,383.51864.909,024.82775.356,737.36410.5971.216.241.21%0.01350.87%15.30%12.86%“ 20231,000”11522 1411,084.21216.81105.66“”1,252.11121.732,272.89116.64576.42 “” “”“+”1,455.981,400 1. 2023120.447.475.84%58.31%0.88 (1) 20231.70%211.79%24LPR (2) 2023251.947.833.01% 146.912.271.52% 202385.672.252.55% 4.070.092.16%13.512.47% 202315.293.2217.42% (3) 2023131.510.360.27% 202382.854.125.24%1.91%9 202310.620.292.62% 202318.653.3121.58% 202319.377.5127.94% 2. 202328.222.8311.16%18.98%2.42 (1) 20239.920.474.49%6.68% 4.260.80 2.861.29 0.840.15 3.260.38 (2) 202318.303.3021.99% 10.732.06 4.304.21 0.410.13 0.030.03 2.431.25 0.400.05 3. 20231.470.03 4. 202346.394.8311.63%31.20%4.09 (1) 202329.112.08 (2) 20233.870.07 (3) 202313.402.82 5. 20230.210.04 6. 202318.4517.7449.02%26.6115.256.941.92 7. 20230.04 8. 202310.972.3113.35%25% 1. (2) 2023614,383.51864.906.40% 6,737.36410.596.49%46.84%0.04“” 6,141.43411.607.18%1,041.47383.1158.19%3,763.26248.166.19%1,325.17271.4425.76%11.545.2182.41% 569.6840.747.70% 1,008.7362.066.56% 25.3759.2070.00% (1) (1)(2)(3) 202366,737.36410.596.49% 3,263.83276.969.27%6.35270.61 2,951.07123.374.36% 948.4721.192.18% 1,123.84105.0410.31% 878.7639.524.71% 522.4610.262.00% 202320236826.85764.65644.3212.27%11.35%9.56% (2) 202366,141.43411.607.18% 20234,842.95156.063.33% (3) 2018“” (4) 202360.390.04“” 2. 2023613,186.18817.736.61%775.359.40%95.3310.19%257.6315.06%115.2627.14%73.548.51% (1) 2023202369,024.82775.359.40% 1,513.18102.367.26%7,414.62641.119.46%0.05 2,359.27148.245.91%26.14%6,568.53891.7115.71%72.79% (2) 32021“” 3. 202361,197.3347.177.5712.371.5% 4. 20236263.81130.5914.9826.765.05 200.411,276.8677.641,076.44522.15 66.971,723.48226.821,656.5168.42 308.581,136.2759.411,444.86166.73 1. 20232023681.444.271.21%0.0154.70%45.30% (1) 20232023“” (2) 202363.83%23.28%20236 3. 4. 202362.510.380.04%0.01 5. 2023694.3710.211.40%0.07 6. 7. 8. 11042023 1. 202371.79%0.0149.84%0.3251.59%0.0451.83%1.75 2. 202346.2831.13%0.6164.8443.62%1.0937.6325.31%0.56 1. “” 200862738“”20091120101216H “”“”BBC 1. “”202367,414.62641.119.46% “”362.0558.04“”“”12.6320236“”“”165.9654.6629.10 2. “”202362,864.891,283.68316.38600125.79 202368.1412.4910.06%976.9830.63%AUM681.7016.42%LUM429.129.44% 3. “”4,661.9736.22“”2023613.3521.14%1.5974.73% 4. “”“”202362,9001,537.0636.11VIP17.046.33%VIP509.008.48%“” 5. 350.2999.21%170.9190.70%6.35153.78% 202361,403.7351.253.79%7,626.244,487.757.05% 4.0APP2023615.440.654.24%6,263.72603.5011.66% 20236119.311.711,252.11121.734.80“”2“ 2022” “”“” “” “” “”“” “” “”2023600150 “”“” “” “”202361.68105.83 “” 1. 202361,513.18102.363,263.83276.96 “”2023620231411,084.21216.81 “”“ 33618”“”67.35%“”30% 2023“”20236576.4289.2718.32% FPAVIP6,6288167 2. 315070.50% 3. 202323.507.3026.5332.81 5828 APICIPSSWIFTCIPS “”4“” 1,140“”“”1,246.50 1. 2023 202364,842.953,407.44133.49AAA11,021.8637.20AA+263.7554.40AA148.2244.61 202362,193.661,299.48544.63327.3122.25 2. “” “”“ 3+5+N”+REITs“”14 3. 1145.52695.4220“” 4. 2023 “”12023“”46202365333.69%5 112299.90% “”“”2023781787419811“”32022“” “”“+”202363,357.6649.84%6,478.7471.79%2,272.89116.64 1. 202365261221,2951122,570375591,835446“”“”104258“”20 202362,253.5178.66%47.071,116.2379.52%41.40 2. 202365,800.43555.8978.23%“”7.9587.73%“·”244 “” “”“+”“”10080168.3182.05%202338.9191.90% 1. (1) 5121251%16.6250.9618.7622.7242.551.19%366.90%0.28 (2) 2014122580%608.0966.216.34 (3) 202062028.6428.090.76 2. 202051530%161.8914.59 148.6671.216.249.61% “”“”1.4864.906.40%6,700410.596.49%9,000775.359.40%“”46.84%0.0468.44%1.74“”28.222.8311.16%2.1616.76% “”“”“”“” 20231.79%24181.74962.05%16 “” 2023 202362.35%0.161.21%0.011.14%0.15 202362.130.19 46.922023688.93%83.39%1.66 202360.0214.8486.64%71.30%1.79 20236316.9514.63285.73350.87%4.24%90483.88%60434.13% 202318.4517.7449.02%“”22.5484.35% 6 “” 202320236 2023 1. 20232023102.635%shibor 202361,098.4344.15 2. 3. 202367.2263.75%6.2 4. FTP 2023 2023 20236 20236 20236 20236 30 303075% 724“” “” 1. (1)4164.08 (2)1,044.10 2022202342720235 25994,233.001,750,000.001,750,000.00120234282023-015 2.3.4.5.6. 20232023-2025 2023615.30%0.3212.86%13.57%0.240.27 (www.cqrcb.com) “” 202368.09%0.18 1,438,351.066.0198.929,231.0(237.2)1,467,609.7 2023GDP5.5%66.1%5.8% 1.434.6%5.3%“”2,41117.3%54.7%“ 33618”“·” “”“”“”“”“”“” 1123546322534561231402441511310 “”2022C.2.120237C.2.1 20229 162022<>2023