重庆银行二零二三年年度报告

1.重要提示22.釋義33.公司簡介44.財務摘要135.董事長致辭186.行長致辭197.管理層討論與分析207.1總體經營情況207.2財務報表分析227.3貸款質量分析407.4分部經營業績477.5根據監管要求披露的其他信息477.6業務綜述507.7風險管理657.8資本管理747.9環境與展望788.公司治理報告829.董事、監事、高級管理人員、員工及機構情況11510.環境與社會責任14711.重要事項15312.股本變動及股東情況18813.證券發行與上市情況20114.董事會報告20515.監事會報告21116.財務報告21617.組織架構圖36218.分支機構名錄363 (1) (2)20243271414 (3)2023 (4) (5)202346.9910%4.701.5%6.80AH0.408AH20232023 (6) 3.1 1996371998200720132021A+H 1-3-3202312311837,598.844,148.133,929.351.34%234.18% 1,30013030.56%15.19%15.81%e7BBB-8300 3.2 3.2.1Bank of Chongqing Co.,Ltd. 3.2.2 3.2.36202021536348520228183543485 3.2.46400024+86(23)63367688+86(23)63799024ir@cqcbank.comhttp://www.cqcbank.com956023 3.2.5A601963H01963 3.2.611701-123297927 3.2.7 3.2.8A188H183171712-1716 3.2.9(www.cs.com.cn)(www.cnstock.com)(www.stcn.com)(www.zqrb.cn)(www.sse.com.cn)(www.cqcbank.com)(www.hkex.com.hk)(www.cqcbank.com) 3.2.1011120212520231231 3.2.11 19969291500000202869177YB0206H250000001 3.3 2023 2023412 20235TMMi 202352022 202362022 202362022 20236 202362023 20237L3 20237 20237202320232023 202383 202392023 2023102023 2023112023 2023122023 2023122022-20232022-2023 2023122023 2023122022 202312ESG •1002023 202312 202412023100 3.4 3.4.1本行發展戰略3.4.1.1 1-3-3 1 3 3 3.4.1.2 33618 e3C+ + 3.4.2本行核心競爭力 ee (1)(2)92010(3)(4)(5)(6)140%(7)2.1%(8)(9)(10)(11) 4.4 20231231 20237,600528300 1,300 453.814%69%AUM15%12%5%21%42023 71 2024 20237,600528300 4,1003,9002,00020%1,300120 3743.82570 5+621%68%100+ 2024 7.1 20232023(GDP)126.065.2%50.303.0%5.9%6.5%47.157.2%41.760.2%(CPI)0.2%M29.7% 202320231231354.8510.95%2.383.23%1.59%0.0415.06%0.11 2023 202312317,598.84751.7110.98%3,929.35403.6211.45%4,148.13322.188.42% 2023128.4652.292.20% 2023123151.71%0.22200048.45%4.75 202312 319.78%11.16%13.37%0.260.660.65 202312311.34%0.04234.18%22.993.13%0.22 7.2 7.2.1利潤表分析 2023104.473.613.34%4.113.5045.96%17.533.4024.09%3.720.4212.76%38.902.637.24%32.433.168.88%202352.291.122.20% 7.2.1.1 2023128.462.982.27%81.33%18.67% 7.2.1.2 2023104.473.613.34% 2023282.867.522.73%178.3911.136.65% 20236,851.83650.0810.48%314.13% 20236,515.65640.8510.91%112.74% 201.39%221.52% 2023 7.2.1.3 2023282.867.522.73% 2023176.857.114.19%11.89% 202393.150.870.94%16.85% 20234.790.050.99% 20238.060.505.89%15.81% 7.2.1.4 2023110.006.105.87%8.98% 202329.202.147.91% 202339.182.887.94% 7.2.1.5 20234.113.5045.96%3.482.6843.48%0.60.1216.41% 202319.874.1326.24%13.121.9217.12%4.411.4950.86%2.340.7345.02% 7.2.1.6 202338.902.637.24%1.62%11.69%9.14% 7.2.1.7 202332.403.178.92% 7.2.1.8 20233.720.4212.76%20231231 7.2.1.9 20238.593.1426.76%14.11% 7.2.2資產負債表分析7.2.2.1 202312317,598.84751.7110.98% 7.2.2.2 202312313,929.35403.6211.45% 202312312,503.98416.6019.96%949.504.220.45% 7.2.2.3 202312312,807.36349.1014.20%1,594.70173.2212.19%941.75192.3325.66%270.9116.455.73% 20231231523.3279.4313.18%2,265.96422.9622.95% 20231231270.9116.455.73%941.75192.3325.66%1,594.70173.2212.19% 202312311,057.00280.2636.08%3.9046.60% 7.2.2.4 2023123128.183.1712.69% 7.2.2.5 202312317,005.84673.6710.64% 7.2.2.6 2023202312314,148.13322.188.42% 202312312,009.65337.4220.18%48.45%4.751,938.154.270.22%46.72%3.83 847.8345.495.67%3,099.97296.2010.56% 7.2.2.7 22021 7.2.2.8 20231231592.9978.0415.15%569.1875.8115.37% 7.3 7.3.1按五級分類劃分的貸款分布情況 202312 3152.123.771.34%0.043.36%0.16 7.3.2按產品類型劃分的貸款及不良貸款分布情況 202312 311.98%0.681.33%0.40 7.3.3按行業劃分的貸款及不良貸款分布情況 2023 0.04 7.3.4按擔保方式劃分的貸款及不良貸款分布情況 202312312.900.19%280.7620.49%118.6319.69%0.220.440.720.18 7.3.5按地區劃分的貸款及不良貸款分布情況 202312311.46%0.92% 7.3.6前十大單一借款人的貸款情況 2023123120.802.98%150.1521.53%20231231 7.3.7逾期貸款情況 2023123176.2327.981.95%1.02901.19 7.3.8重組貸款情況 202312310.08%0.03 7.3.9抵債資產及減值準備的計提情況 202312311.070.11 7.3.10貸款減值準備的變動情況 202312 31121.3920.12234.18%22.993.13%0.22 7.4 7.5 (1) (2) (3)=+100% =+100% =+100% =+100% 7.5.3現金流量情況 202344.498.62-209.7780.84163.2063.75 39 7.6 7.6.1公司銀行業務 1,30050400 33618 7+1 ECRM13.4%18.6%1005.6% 202312312,952.50392.2715.32%1,938.154.270.22% 7.6.2普惠金融業務 543202312311,142.25174.071,000502.4657,88966.273,4884.26% (LPR) IP• 7.6.3個人銀行業務 + e 20231231337.422,009.6520.18%2.67724.2238.34535.132093.1246.3922.31223.25 7.6.4金融市場業務 100 7.6.5資產管理業務 7.6.6投資銀行業務 20232520223810020241Wind (CRMW)(CLN) 13219202218.18%52.08%58 156 7.6.7貿易金融業務 620100 1119102023 SWIFT GO 7.6.8金融科技 1+3+1020234.8 128.06%20224.11% 47OCR56RPA4 L3PaaS APP 7.6.9數字化轉型 414 4427030 416464.40136.50 33618ESG813361882,000 +244.68797.2478.12%42.68%78.119.1373.40%62.71% 6.01101,40030127.50 7.6.10服務渠道 20231231518318936038 20231231217.4439.97997.83230.492,543.60238.7497.54% 4.110.44361.4723.427,765.902,613.90215.0939.6336.101.45198.078.84 7.6.11服務提升 OCR+RPA6 7.6.12控股子公司和參股公司情況7.6.12.1 2017330.0051.00%3 406.40358.1848.226.15 201153.24566.72% 8.607.361.248.84 7.6.12.2 2015640.0015.53% 199855.744.97% 7.6.13控制的結構化主體情況 7.7 7.7.1信用風險管理 7.7.2操作風險管理 (RCSA) 7.7.3市場風險管理7