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渝农商行:重庆农村商业银行股份有限公司2023年度报告

公告日期:2024-03-29

渝农商行:重庆农村商业银行股份有限公司2023年度报告 PDF查看PDF原文
目录

 目录        01

 业绩一览    02

 重要提示    04

 释义        05

 致辞        06

 第一章  公司简介                        第七章  股份变动及股东情况

 01 基本情况                                          10

 02 业务摘要                                          11  第八章  董事会报告书

 03 发展战略                                          12

 04 投资价值及核心竞争力                              13  第九章  监事会报告书

 05 荣誉奖项                                          14

 第二章  财务摘要                        第十章  审计报告

 第三章  管理层讨论与分析                第十一章 财务报表及附注

 01 总体经营情况                                      18

 02 财务报表分析                                      19  第十二章 财务报表补充资料

 03 贷款质量分析                                      40

 04 资本管理                                          46  第十三章 组织架构图

 05 分部信息                                          50

 06 业务综述                                          51

 07 投资者重点关注的问题                              62  第十四章 分支机构及附属公司

 08 风险管理                                          66

 09 中国会计准则与国际财务报告准则编制的财务报表差异  76  备查文件目录

 10 主要会计政策变更及主要会计估计判断                77

 11 展望                                              77  01  载有本行董事长、行长及会计机构负责人签名并盖章的财务报表 ;
                                          02  载有会计师事务所盖章、注册会计师签名并盖章的审计报告原件 ;
 第四章  公司治理报告                    03  报告期内公开披露过的所有公司文件的正本及公告的原稿 ;

                                          04  在香港联交所披露的年度报告。

 第五章  环境与社会责任
 第六章  重要事项

                                                                                                              2023 年度报告  1


业绩一览                                                                                (集团口径)
资产总额                                          净利润

单位:人民币 亿元                                                    单位:人民币 亿元

                          6.60%

                    14,411                                            6.18%

                    13,519

        12,659

                                                              111.25

                                                                                  104.78

                                                                      97.18

        2021年  2022年  2023年                            2021年  2022年  2023年

各项贷款                                        各项存款

单位:人民币 亿元                                                  单位:人民币 亿元

                                                                                  8.64%

                          6.96%

                                                              8,962

                    6,767                                          8,249

          5,822      6,327                                            7,594

        2021年  2022年  2023年                            2021年  2022年  2023年

个人存款                                          存款付息率

单位:人民币 亿元

                        10.31%                                                    下降9BP

                    7,472                              1.98%    1.97%  1.88%

                    6,774

          6,040

        2021年  2022年  2023年                            2021年  2022年  2023年


                                                                                                (集团口径)
不良贷款占比                                      关注类贷款占比

 4%                                                          4%

 3%                                                          3%

 2%                                                          2%    1.92%

      1.25%      1.22%  1.19%                                        1.29%  1.14%

 1%                                                          1%

 0%                                                          0%

      2021年    2022年    2023年                        2021年    2022年    2023年

后四类贷款占比                                    拨贷比

 4%                                                          8%

      3.17%

 3%                                                          6%

                                                                    4.27%      4.36%    4.37%

                    2.51%    2.33%

 2%                                                          4%

 1%                                                          2%

 0%                                                          0%

      2021年    2022年    2023年                        2021年    2022年    2023年

拨备覆盖率                                        资本充足率

400%                      366.70%                    20%

      340.25%    357.74%

                                                                                  15.62%    15.99%

300%                                                        15%

                                                                      14.77%

200%                                                        10%

100%                                                        5%

0%                                                            0%

      2021年    2022年    2023年                          2021年    2022年    2023年

                                 
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