重庆银行二零二五年中期报告

1.重要提示3 2.釋義4 3.公司簡介5 4.財務摘要8 5.管理層討論與分析12 5.1概述125.2業務綜述135.3財務報表分析235.4貸款質量分析415.5分部經營業績485.6根據監管要求披露的其他信息495.7控股子公司和參股公司情況515.8風險管理535.9資本管理605.10環境與展望65 6.重要事項66 7.股本變動及股東情況83 8.證券發行與上市情況97 9.董事、監事、高級管理人員、員工和機構情況102 10.環境與社會責任113 11.公司治理報告118 12.財務報告124 13.組織架構圖216 14.分支機構名錄217 2. 3. 1. 2.20258221414 3.2025 4. 5. 6. 7. 8.2025 9. 10. 3.1 1996371998200720132021A+H 1-3-320256301999,833.655,441.365,006.701.17%248.27% 1,4004703361841640%20%98.7133.89e35%610300328 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 3.2.611701-1297927 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.hkexnews.hk)(www.cqcbank.com) 3.2.10111 3.2.1119969291500000202869177YB0206H250000001 (1)(2)92010(3)(4)(5)(6)(7)(8)20256 30202412 3120231231(9)(10)(11) 4.3 2025630 5.1 5.1.1行業發展情況 202566.055.3%6.4%5.5%55.0%2.8%5.0%2.9% 20256467.345.1%1.49%0.01211.97%0.7815.58%0.16 5.1.2本行總體發展情況 2025 20256309,833.651,267.2314.79%5,006.70600.5413.63%5,441.36700.1914.77% 202563075.278.24%33.945.73%31.905.39% 202563095.71%2.0253.23%0.60 20256308.80%9.94%12.93% 20256301.17%0.082.05%0.591.58%0.15248.27%3.19 5.2 5.2.1公司銀行業務 1,4007905 252,700 7.8% 27BP 20256303,990.47583.7017.13%12,393.33279.2113.21%43.98% 5.2.2普惠金融業務 20256(LPR) 1053.76%33.4%30.71%28.45%17.66% 20256301,822.48331.19709.3998.71 5.2.3個人銀行業務 e e 2025630401.352,896.9316.08%19.98779.5524.18608.290.5849.44197.10 5.2.4金融市場業務 5.2.5資產管理業務 5.2.6投資銀行業務 +60% 48109.46 50108.2247.06%23.47%Wind3320241 5.2.7貿易金融業務 CSWIFTe 5.2.8金融科技 4561+3+102025202420242024 DeepSeekAI 5.2.9數字化轉型 456 2025591114 2025414110870+BI20615 27.059.75%26.0119.82%38Ukey80% 31891100%20257(ESG) 5.2.10服務渠道 2025630519920546038 2025630304.5827.05527.631,379.2896.64% 20256 304.930.35200.374,005.55301.6027.0015.2655.64 5.2.11服務提升 80 5.3 5.3.1利潤表分析 202558.636.3912.22%3.651.4628.62%19.611.266.88%19.152.9318.07%202533.941.845.73% 5.3.1.1 202575.275.738.24%77.88%22.12% 5.3.1.2 202558.636.3912.22% 2025153.709.686.72%95.073.293.59% 20258,511.061,125.1015.23%283.64% 20258,383.121,418.2220.36%362.29% 81.35%31.39% 20251-6 5.3.1.3 2025153.709.686.72% 2025101.7510.2111.16%16.34% 202546.232.936.76%34.13%76 20252.420.052.27%1.28%2 20253.313.5151.49%46.18% 5.3.1.4 202557.841.883.37%17.12%31 202516.340.523.27% 202520.890.894.47%25.60% 5.3.1.5 20253.651.4628.62%2.47 202513.000.816.61%5.544.71572.24%7.013.8435.39%0.450.0713.42% 5.3.1.6 202519.611.266.88%8.53%20.68%25.16% 5.3.1.7 202519.152.9318.07% 5.3.1.8 20253.910.9920.27%10.33% 5.3.2資產負債表分析5.3.2.1 20256309,833.651,267.2314.79% 5.3.2.2 20256305,006.70600.5413.63%4,986.45603.5013.77% 20256303,776.38646.3520.65%995.9819.802.03% 5.3.2.3 20256304,046.98567.9116.32%2,209.03514.7630.38%1,126.0811.921.05%711.8765.0710.06% 2025630711.8765.0710.06%1,126.0811.921.05%2,209.03514.7630.38% 20256301,438.15148.8811.55%3.6742.67% 5.3.2.4 202563033.081.344.22% 5.3.2.5 6309,178.731,249.9515.76% 5.3.2.6 202520256305,441.36700.1914.77% 20256302,896.93401.3516.08%53.23%2,135.13275.0614.79%39.24% 877.24101.6613.11%4,154.82574.7416.05% 5.3.2.7 2025630654.9217.282.71%627.1616.452.69% 5.3.2.8 5.4 5.4.1按五級分類劃分的貸款分佈情況 202563058.403.771.17%0.082.05%0.59 5.4.2按產品類型劃分的貸款及不良貸款分佈情況 20256303.01%0.30.75%0.15 5.4.3按行業劃分的貸款及不良貸款分佈情況 2025 0.08 5.4.4按擔保方式劃分的貸款及不良貸款分佈情況 202563013.250.93%507.1724.36%109.5812.45%0.050.120.01 5.4.5按地區劃分的貸款及不良貸款分佈情況 20256301.24%0.96% 5.4.6前十大單一借款人的貸款情況 202563027.693.35%212.4325.68%2025630 5.4.7逾期貸款情況 202563078.572.551.58%0.15901.14 5.4.8重組貸款情況 20256300.20%0.11 5.4.9抵債資產及減值準備的計提情況 202563021.290.06 5.4.10貸款減值準備的變動情況 20256 30144.7811.26248.27%3.192.91%0.14 5.5 5.6 (2) (3)=+100%=+100%=+100%=+100% 5.7 5.7.1控股子公司 2017330.0051.00%3 558.12501.8456.284.15 201153.24569.09% 9.668.381.28449.23 5.7.2主要參股公司 2015640.0015.53% 199855.744.97% 5.8 5.8.1信用風險管理 5.8.2操作風險管理 (RCSA) 5.8.3市場風險管理5.8.3.1 2025FTP 5.8.3.2 5.8.4流動性風險管理 2025 20256 301,622.31196.72858.74 20182025630301.66% 201871100% 20256304,730.583,909.04121.02% 5.8.5大額風險暴露管理 5.8.6聲譽風險管理 24 5.8.7合規管理 5.8.8反洗錢管理 200-300%20259 5.9 5.9.1資本充足率 20256308.80%1.089.94%1.2612.93%1.53 ( www.cqcbank.com) 5.9.2槓桿率 20256306.00% 5.9.3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 20248602.23%20298 5.9.4經濟資本配置和管理 (EC)(RAROC)(EVA) 5.10 2025665.3%0.3 GDP50%GDP5%5.6%5.5%5.3% 6.1 20201230A2025630 6.2 6.3 6.3.1與日常經營相關的關聯交易 5 202542220242025 12.00 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 202520252024 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 20256 3095.92 6.7 6.8 6.9 6.10 6.11 2025 6.12 2025 20