重庆银行二零二四年中期报告

1.重要提示2 2.釋義3 3.公司簡介4 4.財務摘要7 5.管理層討論與分析11 5.1概述115.2財務報表分析125.3貸款質量分析315.4分部經營業績385.5根據監管要求披露的其他信息395.6業務綜述415.7風險管理545.8資本管理615.9環境與展望65 6.重要事項67 7.股份變動及股東情況98 8.證券發行與上市情況112 9.董事、監事、高級管理人員、員工和機構情況117 10.環境與社會責任128 11.公司治理報告133 12.財務報告136 13.組織架構圖230 14.分支機構名錄231 1. 2.20248301412 3.2024 4.2024 5. 6. 7. 8. 9. 10. 3.1 1996371998200720132021A+H 1-3-320246301948,059.684,500.004,198.971.25%249.59% 3361871.3041.81e39.04%93002098327 3.2 3.2.1Bank of Chongqing Co., Ltd. 3.2.2 6400024+86(23)63367688+86(23)63799024ir@cqcbank.com 3.2.36202021536348520228183543485http://www.cqcbank.com956023 3.2.4A601963H01963 3.2.511701-1297927 3.2.6 3.2.7A188H183171712-1716 3.2.8(www.cs.com.cn)(www.cnstock.com)(www.stcn.com)(www.zqrb.cn)(www.sse.com.cn)(www.cqcbank.com)(www.hkexnews.hk)(www.cqcbank.com) 3.2.9111 3.2.1019969291500000202869177YB0206H250000001 (1)(2)92010(3)(4)(5)(6)140%(7)2.1%(8)20246302023123120221231(9)(10)(11) 4.3 2024630 5.1 5.1.1行業發展情況 2024202461.685.0%6.0%4.6%55.0%3.9%3.7%6.1% 20246425.106.6%1.56%0.03209.32%4.18 5.1.2本行總體發展情況 2024 20246308,059.686.06%4,198.976.86%7,441.416.22%4,500.008.48% 20241-669.543.31%32.105.17%30.264.12% 202463052.10%0.3960.47%1.26 20246301.25%0.09249.59%15.41 202463010.16%11.55%13.77%0.380.390.40 5.2 5.2.1利潤表分析 202452.241.623.01%5.113.14155.99%18.350.462.54%16.221.397.90%202432.101.585.17% 5.2.1.1 202469.542.233.31%75.12%24.88% 5.2.1.2 202452.241.623.01% 2024144.023.172.25%91.784.795.51% 20247,385.96720.5310.81%343.92% 20246,964.90593.299.31%102.65% 241.27%211.42% 20241-6 5.2.1.3 2024144.023.172.25% 202491.533.764.29%11.21% 202443.303.557.58%1.22%38 20242.370.010.64%0.76% 20246.822.9777.26%68.27% 5.2.1.4 202455.961.422.59%9.71%19 202415.821.4710.27% 202420.001.9010.51%9.15% 5.2.1.5 20245.113.14159.99%2.98 202412.190.706.14%0.820.7948.83%10.842.4629.40%0.520.9765.11% 5.2.1.6 202418.350.462.54%3.41%16.73%25.18% 5.2.1.7 202416.221.397.90% 5.2.1.8 20244.901.1631.02%13.25% 5.2.2資產負債表分析5.2.2.1 20246308,059.68460.846.06% 5.2.2.2 20246304,198.97269.626.86% 20246302,923.80419.8216.77%955.175.670.60% 5.2.2.3 20246302,578.67228.688.15%1,468.35126.347.92%820.59121.1712.87%289.7318.836.95% 2024630289.7318.836.95%820.59121.1712.87%1,468.35126.347.92% 5.2.2.4 202463029.731.555.50% 5.2.2.5 20246307,441.41435.576.22% 5.2.2.6 202420246304,500.00351.878.48% 20246302,318.68309.0415.38%51.53%1,939.721.570.08%43.10% 759.5188.3310.42%3,498.90398.9312.87% 5.2.2.7 2024630618.2725.274.26%593.5224.344.28% 5.2.2.8 5.3 5.3.1按五級分類劃分的貸款分佈情況 20246 3052.150.031.25%0.093.10%0.26 5.3.2按產品類型劃分的貸款及不良貸款分佈情況 20246302.44%0.460.99%0.34 5.3.3按行業劃分的貸款及不良貸款分佈情況 2024 0.09 5.3.4按擔保方式劃分的貸款及不良貸款分佈情況 2024630126.128.24%311.0818.84%83.1911.53%0.220.300.240.14 5.3.5按地區劃分的貸款及不良貸款分佈情況 20246301.42%0.74% 5.3.6前十大單一借款人的貸款情況 202463019.802.77%169.4623.68%2024630 5.3.7逾期貸款情況 202463079.052.821.91%0.04901.15 5.3.8重組貸款情況 20246300.32%0.02 5.3.9抵債資產及減值準備的計提情況 20246300.750.08 5.3.10貸款減值準備的變動情況 2024630129.888.49249.59%15.413.12%0.01 5.4 5.5 (1) (2) (3)=+100%=+100%=+100%=+100% 5.6 5.6.1公司銀行業務 602024823 336182,000 6.2% 20246303,214.99262.488.89%1,939.721.570.08%43.10% 5.6.2普惠金融業務 202420246301,352.27210.011,000573.7560,64871.302,759 (LPR) ·· 5.6.3個人銀行業務 + e 2024630309.042,318.6815.38%9.28733.5027.59562.7270.191.4547.84226.96 5.6.4金融市場業務 5.6.5資產管理業務 5.6.6投資銀行業務 +61.54% 2024-20262024-20262869.2921.65 3489.6070.00%45.48%WIND3420233 5.6.7貿易金融業務 ++12012 e 5.6.8金融科技 1-3-10 202432023NAS DevOps+PaaS AIGCOCRRPA33618 5.6.9數字化轉型 5+6202465 7.03202463045.65% 5.6.10服務渠道 2024630519419938338 2024630252.2834.84547.221,351.2996.26% 20246 304.350.24179.764,306.74249.4934.3916.4282.43 5.6.11服務提升 70%3e+++ 5.6.12控股子公司和參股公司情況5.6.12.1 2017330.0051.00%3 428.81378.7050.123.75 201153.24566.72% 9.007.741.26235.13 5.6.12.2 2015640.0015.53% 199855.744.97% 5.6.13控制的結構化主體情況5.6.13.1 5.6.13.2 2024630 5.7 5.7.1信用風險管理 5.7.2操作風險管理 (RCSA) 5.7.3市場風險管理5.7.3.1 2024FTP 5.7.3.2 5.7.4流動性風險管理 2024 20246301,332.8936.59748.69 20182024630348.00% 201871100% 20246304,730.583,909.04121.02% 5.7.5大額風險暴露管理 5.7.6聲譽風險管理 24 5.7.7合規風險管理 5.7.8反洗錢管理 2024 5.8 5.8.1資本充足率 20246 3020231231 20246 3010.16%0.3811.55%0.3913.77%0.40 (www.cqcbank.com) 5.8.2槓桿率 20246306.92% 5.8.3資本融資管理 20223503.73%20273 20223130A10013,000A0.20%0.40%1.00%1.70%2.50%3.50%A8.3 202212454.70%202712 202310254.5%202810 5.8.4經濟資本配置和管理 (EC)(RAROC)(EVA) 5.9 202461.75.0% GDP6.1%1.1 6.1 20201230A 2A10906 6.2 6.3 6.3.1與日常經營相關的關聯交易 5 202462120232024 8455.005.00 6.3.2資產或股權收購 、出售發生的關聯交易 6.3.3共同對外投資的關聯交易 6.3.4關聯債權債務往來 6.3.5與存在關聯關係的財務公司 、控股財務公司與關聯方之間的金融業務 6.3.6其他重大關聯交易 6.4 6.4.1會計師事務所聘請情況 202420242023 6.5 6.5.1重大託管 、承包 、租賃事項 6.5.2重大擔保事項 6.6 2024630123.29 6.7 6.8 6.9 6.10 6.11 2024 6.12 2024 2024 6.13 D2D2322023 7.1 7.1.1普通股股份總體情況 3,474,565,256A1,895,544,444H1,579,020,812 7.1.2普通股股份變動情況說明 20229 30A3,1373,474,562,1