重庆农村商业银行2023年度报告

0102040506 01100211031204130514 業績一覽 20243282023992 20232023 2023102.8852023 202312+51443+ 2023 20232/380%2023 151.41.51511515A+H 20232603361862027.2% 202475 4.13%BGC1,4381,400 2023 1.448926.60%8,9627138.64%6,7674406.96%2801116.18%9.55%1.19%366.70%15.99% 1571,2112443361865713327.2%202,3281721552.1 178200653100% 2024 公司簡介 投資者聯繫方式 聯繫地址重慶市江北區金沙門路36號 聯繫電話（86）23-61110637 傳真（86）23-61110844 電子信箱ir@cqrcb.com 公司註冊及辦公地址、郵政編碼重慶市江北區金沙門路36號，400023 20082010H2019A1112 A+H 1+3+22+N ++++ 榮譽獎項 本行入選國務院國資委國企改革「雙百企業」最新名單，是重慶十家入選企業之一。本行「區域性銀行以能力中台引領的數字化業務創新管理」榮獲第二十八屆全國企業管理現代化創新成果一等成果。本行榮獲國家金融監督管理總局重慶監管局、重慶市總工會舉辦的2023年重慶市金融業數字化轉型勞動和技能競賽團體一等獎。本行「鄉村振興數字金融服務平台」2023年榮獲中國人民銀行2022年度金融科技發展獎三等獎。本行「外部數據綜合管理平台」在金科創新社舉辦的第三屆中小金融機構數智化轉型優秀案例評選中，榮獲數據智能應用創新優秀案例獎。本行《傾力服務產業發展金融助力鄉村振興》在中國上市公司協會「2023年上市公司鄉村振興最佳實踐創建」活動中，榮獲優秀實踐案例獎。本行「黨建引領融資助企 一鍵掃碼在線辦貸」服務創新案例成功入選「中國普惠金融典型案例（2023）」。 : (1)(2)92010(3)(4)(5)(6)(7) 39200862739 2023 14,415.22892.218,962.02712.556,767.11440.34111.256.18%1.19%0.0315.99%366.70%11522 1,210.76259.78243.533618656.72619.8132.727.2% 2,328.00171.752.13154.772/380%2023 2023A4.13%80.02% 1. (1) 2023498.8713.712.67% 291.373.591.22%58.41%0.87 8.070.172.07%16.133.00% 202332.321.263.75% (2) 2023263.945.402.09% 2023166.398.245.21%802.531.88%9 202321.900.170.79% 202338.135.9518.50% 202337.478.9719.32% (3) 20231.64%0.201.73%0.24LPR 12.3731.48 2. 202344.649.2726.21%15.97%3.75 (1) 202317.911.226.37%6.41% 2.27 6.97 5.571.33 1.480.14 6.070.01 (2) 202326.7310.4964.59%18.8611.99 3. 202398.202.802.93% (1) 2023202258.40%59.12% 202357.350.951.68% (2) 20232.770.031.17% (3) 20238.030.182.23% (4) 202329.511.455.18% (5) 20230.540.19 4. 202359.4119.0024.23%34.93 10.125.83 5. 202310.710.128.78%25% 1. (1) 202314,415.22892.216.60% (1) (1)(2)(3) 20236,767.11440.346.96% 3,277.84290.969.74%14.54305.5033618 2,909.2081.512.88% 914.89 1,201.19182.3917.90% 793.12+ 580.0767.8713.25% 20232023842.67746.06656.7212.45%11.02%9.70% (2) 2023 5,987.83258.004.50%1,662.36602.3056.82%1,107.75449.3968.26% (3) 2023557.8328.895.46% (4) 20231,086.46139.7914.77% (5) 2023114.5229.9535.41% (6) 20234.770.234.97% (7) 2023186.6513.447.76%0.360.04 2. (1) 20238,962.02712.558.64% 1,418.437.610.54%1.277,471.78698.2710.31%1.26 2,410.5696.953.87%26.90%6,479.65802.8314.14%72.30% (2) 2023137.3514.69% (3) 2023514.9030.10%22021 (4) 2023207.6824.04% (5) 2023208.4449.08% (6) 2023240.6356.2230.49% (7) 2023126.22%414.05%2.03%10BP 3. 20231,239.4284.8610.4112.691.5% 4. 2023278.98110.5116.0027.364.15 394.59314.421,666.0078.131,271.41236.28 308.40461.543,132.9964.232,824.59397.32 586.2513.082,349.7666.072,936.0053.00 2023202380.593.431.19%0.0354.19%45.81% 1. 2023 2. 20233.72%22.98%202312 (1) (2) 20230.431.04%0.431.60% 20237120236.1420222.13 202396.0411.891.42%0.09 11042023 20232023-2025 202315.99%0.3713.53%14.24%0.430.40 www.cqrcb.com 20238.40%0.13 202372.18%0.3849.30%0.8551.93%0.3051.57%2.0 202391.6632.79%0.62123.3744.13%2.0664.0622.91%2.77 1. 20237,471.78698.2710.31%1.97%14 17.292023178.3367.0320.89 2. 20232,947.231,276.35 BBC77•2.0E204.7617.559.37%149.4825.2620.33% App5•1,871.27226.9413.80%AUM+LUM1,420.94443.2745.36% 3. VIP10%AUM5,00011.31%5AUMLUM2129.260.8610.27%AUM1,075.488.28.9%LUM606.052.79.5% 48App72420233 4. ++1,200170202319.732.131,285.16154.7713.69%4.75% 3361820231,418.437.613,277.84290.96 202320231571,210.76259.78 20171,000202317.267.5158.8213.72,8402,919.13 3361833618202330% 521880.65% 48.2815.34106.4234.14APICIPSSWIFTCIPSBaa22023A 2079.52121,151.9334%2050 1. 2023 20234,798.493,433.71159.76AAA1964.5220.14AA+265.2355.88AA135.0357.80 20232,227.751,365.67512.16265.0384.89 2. 20231,205.11502023463+5+N 3. 2023 13612024-2025 20234.22115.61.5699.9%2692,40010 20231448762014113 數字農商行 "" 簡化電話銀行服務流程，提高服務效率，縮短客戶等待時間，客戶滿意程度99.26%。 713.3499.26%530.3122.22%503.0694.86% App7.023App20231,438.2485.766.34%13,750.588,917.946.82% 22App40202315.971.187.99%12,616.021,225.1613.15% 20232,328.00171.755,690.88543.0376.16% 金融服務創新 特色金融產品 加強渠道建設 理財子公司率先推出「鄉村振興」系列理財產品；金租公司重點支持文化旅遊生態工程、鄉村振興和現代農業等項目投放，創新產品及業務模式，精准對接中小微實體企業和三農客戶。 持續深化農村地區基礎金融服務，加大鄉村振興支持力度；加大縣域電子渠道建設力度，隨著電子設備的逐步優化和髮卡數量的不斷增加，進一步提高了本行金融業務在縣域的滲透率。 創新線上化經營模式，運用金融科技打造直播場景；梳理區域產業 發 展 特 色 ， 逐 步 推 動 「 一 縣一貸」落地，持續支持鞏固拓展脫貧攻堅成果的基礎設施、公共服務設施等項目。 20235261251,2901122,562337591,8544202020 20232,319.9678.72%57.88160.3678.31%1,142.7779.46% +++·202313·1417.4513 7,26080.7% +130100 161.5282.31%202366.7177.65% 1. 5121251%16.6251.7419.1422.7644.780.97%399.22%0.58 2014122580%652.7470.3810.52 202062029.8529.101.70 2. 202051530%164.1615.910.76 20232021 20232.33%0.1820210.841.19%0.031.14%0.15 2023366.70%8.96 20239060100% 2023 202310.040.43 202380.46%75.22%1.77 2023 20242024 1.73%24BP30BPLPR4400.1611610BP8,9007001.329BP10BP 279.572.79 6.476.18% 202319.732.131,285.16154.778.21 2024 2024-2026 2026202140 2024201950 2023 20232023 2023 1. 2023 2023102.55%2024 20231,128.