重庆银行2024年度报告

1.重要提示22.釋義33.公司簡介44.財務摘要155.董事長致辭206.行長致辭217.管理層討論與分析227.1概述227.2財務報表分析247.3貸款質量分析417.4分部經營業績487.5根據監管要求披露的其他信息487.6業務綜述517.7風險管理637.8資本管理717.9環境與展望758.公司治理報告809.董事、監事、高級管理人員、員工及機構情況10710.環境與社會責任13411.重要事項14012.股本變動及股東情況17313.證券發行與上市情況18614.董事會報告19015.監事會報告19616.財務報告20017.組織架構圖34818.分支機構名錄349 (1) (2)20253211111 (3)2024 (4) (5)202447.9310%4.791.5%5.25AH0.248AH202420242024202512420240.414 (6) 3.1 1996371998200720132021A+H 1-3-3202412311998,566.424,741.174,406.161.25%245.08% 336181,500108.2259.75e100%9300209838 3.2 3.2.1Bank of Chongqing Co.,Ltd. 3.2.2 3.2.362020215363319191820228183543485202511033191918 3.2.46400024+86(23)63367688+86(23)63799024ir@cqcbank.comhttp://www.cqcbank.com956023 3.2.5A601963H01963 3.2.611701-124397927 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) 3.2.10111 3.2.11 19969291500000202869177YB0206H250000001 3.3 2024 202412023 202412024 202432023 20244 20245 20246 202492024 202492024ESG 202492024 20249 202410DAMA5 202411ESG •1002024 20241120242024 20241112OCR 202411 2024122023 2024122024 2024122023 202412 2024122024 202412 202512024 202512024 202512024100 3.4 3.4.1本行發展戰略3.4.1.1 20241-3-3 33618 ++ 3.4.1.2 e 3.4.2本行核心競爭力 ee (1)(2)92010(3)(4)(5)(6)140%(7)2.1%(8)20241231(9)(10)(11) 4.4 20241231 20248,500555.59%A+H40%100082093 400 20032%40%22%14% 123.245620%655+ 2 2025 2024 8,56612.73%4,7414,40614.30%12.13% 16132.655.2 APP1.25%0.09 3,00025.00%32%40%22%25%2,50024.18% 2025 7.1 7.1.1行業發展情況 20242024(GDP)134.915.0%5.8%8.9%48.333.5%43.855.0%(CPI)0.2%M2313.537.3% 202420241231380.527.2%1.50%0.09211.19%6.0515.74%0.68 7.1.2本行總體發展情況 2024 202412318,566.42967.5812.73%4,406.16476.8112.13%4,741.17593.0414.30% 2024132.633.25%55.215.59%51.173.80% 20241231276.746.28%5.132,495.5852.64%4.19 202412 319.88%11.20%14.46%0.100.041.09 202412311.25%0.092.64%0.721.73%0.22245.08%10.90 7.2 7.2.1利潤表分析 2024101.762.712.59%8.884.76115.73%20.573.0417.35%4.200.4812.78%40.982.085.34%31.890.541.68%202455.212.925.59% 7.2.1.1 2024132.634.183.25%76.73%23.27% 7.2.1.2 2024101.762.712.59% 2024286.914.051.43%185.156.763.79% 20247,559.55707.7210.33%333.80% 20247,187.75672.0910.32%162.58% 171.22%171.35% 2024 7.2.1.3 2024286.914.051.43% 2024183.296.443.64%11.78% 202486.306.857.35%35 20244.750.040.87% 202412.574.5155.88%53.33% 7.2.1.4 2024113.823.823.48%11.76% 202430.891.685.76% 202440.441.263.21% 7.2.1.5 20248.884.76115.73%6.793.3195.01%2.311.35141.43% 202421.992.1210.69%12.700.433.26%7.873.4778.76%1.420.9239.21% 7.2.1.6 202440.982.085.34%8.13%2.53%14.94% 7.2.1.7 202431.920.491.50% 7.2.1.8 20244.200.4812.78%20241231 7.2.1.9 20248.730.141.66%13.65% 7.2.2資產負債表分析7.2.2.1 202412318,566.42967.5812.73% 7.2.2.2 202412314,406.16476.8112.13% 202412313,130.03626.0525.00%976.1826.682.81% 7.2.2.3 202412313,479.08671.7223.93%1,694.2799.576.24%1,138.00196.2520.84%646.81375.90138.76% 202412311,026.68503.3696.19%2,418.88152.916.75% 20241231646.81375.90138.76%1,138.00196.2520.84%1,694.2799.576.24% 202412311,289.26232.2621.97%0.2646.34% 7.2.2.4 2024123131.743.5612.62% 7.2.2.5 202412317,928.78922.9313.17% 7.2.2.6 2024202412314,741.17593.0414.30% 202412312,495.58485.9324.18%52.64%4.19 7.2.2.7 22021 7.2.2.8 20241231637.6444.647.53%610.7141.537.30% 7.3 7.3.1按五級分類劃分的貸款分佈情況 202412 3154.632.511.25%0.092.64%0.72 7.3.2按產品類型劃分的貸款及不良貸款分佈情況 202412 312.71%0.730.90%0.43 7.3.3按行業劃分的貸款及不良貸款分佈情況 0.09 7.3.4按擔保方式劃分的貸款及不良貸款分佈情況 20241231108.497.09%430.7926.10%158.6522.00%0.330.140.040.23 7.3.5按地區劃分的貸款及不良貸款分佈情況 202412311.39%0.79% 7.3.6前十大單一借款人的貸款情況 2024123119.802.49%169.7121.36%20241231 7.3.7逾期貸款情況 2024123176.020.211.73%0.22901.15 7.3.8重組貸款情況 202412310.31%0.01 7.3.9抵債資產及減值準備的計提情況 202412310.440.06 7.3.10貸款減值準備的變動情況 202412 31133.5312.13245.08%10.903.05%0.08 7.4 7.5 (1) (2) (3)=+100% =+100% =+100% =+100% 7.5.3現金流量情況 2024-207.4744.49-145.0064.77322.08158.89 39 7.6 7.6.1公司銀行業務 168,00015250150%1,50020248 2024 11.2%11.8%13.5%27.5% 202412313,406.78454.2715.39%12,114.1261.252.98% 7.6.2普惠金融業務 202412311,491.29349.04610.6862,893108.225,00420243.95% FTP 33618e ++ 7.6.3個人銀行業務 e+ ee 20241231485.932,495.5824.18%35.36759.5848.98584.112.4748.86219.56 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 2024701501232025120242024Wind (CRMW)20232024 2024 7.6.7貿易金融業務 e200260 C SWIFT ISO 20022SWIFT go1018 7.6.8金融科技 4561+3+1020245.74 1833.66%20235.6% 6+XAI+RPA180OCR(LLM)27 NASPaaS TMMi5TMMi5 7.6.9數字化轉型 4565+62565OCR 1210KPI3 7.0U1063318.56799.3630.20%2.50%120.7912.9154.62%41.40% ESG83.31.33242 7.6.10服務渠道 20241231519920546038 20241231277.5360.091,055.4157.572,512.2531.3597.00% 202412314.580.48370.378.918,279.46513.56274.6059.5132.173.94141.3156.76 7.6.11服務提升 76%3e+++ 7.6.12控股子公司和參股公司情況7.6.12.1 2017330.0051.00%3 478.72424.1254.608.24 201153.24569.09% 8.807.561.2437.83 7.6.12.2 2015640.0015