* B0335H J (1) 7 (2) 42 (3) 63 (4) 67 (5) 75 (6)

2018 6 30 Chongqing Rural Commercial Bank Co., Ltd. * 2018 6 30 2018 6 30 (www.cqrcb.com) (www.hkexnews.hk) 2018 6 30 2018 8 30 * Chongqing Rural Commercial Bank Co., Ltd.* * B0335H250000001 91500000676129728J 155

* B0335H250000001 91500000676129728J 155 1. 2 2. 5 3. 7 (1) 7 (2) 42 (3) 63 (4) 67 (5) 75 (6) 76 4. 77 5. 87 6. 89 7. 93 8. 95 9. 193 10. 198 11. 199 2018 中期報告 1

財務摘要 2018 6 30 2017 6 30 (%) (1) 8,951.7 10,270.9 1,114.3 1,155.2 (40.9) (3.54) (1) 3,195.5 18.9 13,261.5 11,445.0 1,816.5 15.87 6,334.0 6,145.3 188.7 3.07 4,886.6 4,634.1 252.5 5.45 4,835.6 4,594.1 241.5 5.26 0.48 0.49 (0.01) (2.04) 2018 6 30 2017 12 31 (%) 908,637.4 905,778.1 2,859.3 0.32 347,091.9 324,109.6 22,982.3 7.09 840,795.5 840,532.4 263.1 0.03 630,095.2 572,184.3 57,910.9 10.12 66,496.2 63,688.7 2,807.5 4.41 1,345.7 1,557.0 (211.3) (13.57) 67,841.9 65,245.7 2,596.2 3.98 2 重慶農村商業銀行

財務摘要 2018 2017 6 30 6 30 (2) 1.08 1.12 (0.04) (3) 14.64 16.31 (1.67) (4) 2.44 (5) 2.35 (6) 2.51 2.42 0.09 (6) 2.71 2.59 0.12 8.40 10.09 (1.69) (7) 28.06 31.58 (3.52) 2018 2017 6 30 12 31 (8) 1.23 0.98 0.25 339.38 431.24 (91.86) 4.18 4.21 (0.03) (9) 10.60 10.39 0.21 (9) 10.61 10.40 0.21 (9) 13.21 13.03 0.18 7.47 7.20 0.27 2018 2017 6 30 12 31 (8) 57.49 59.13 (1.64) 2018 中期報告 3

財務摘要 (1) 2018 1 1 (2) (3) 9 2010 (4) (5) (6) IAS 39 (7) (8) [2018]7 [2018]44 140% 2.1% (9) 39 2008 6 27 39 4 重慶農村商業銀行

公司基本情況 Chongqing Rural Commercial Bank Co., Ltd. Chongqing Rural Commercial Bank 36 400023 1 31 www.cqrcb.com cqrcb@cqrcb.com 3618 2008 6 27 91500000676129728J B0335H250000001 2018 中期報告 5

公司基本情況 202 211 2 A 7 1 27 H 183 17 1712-1716 26 5 6 重慶農村商業銀行

管理層討論與分析 2018 418,961 6.8% 0.1 6.7% 0.10.1 ()297,316 6.0% 1.5 2018 6 (M2) 177.028% (M1) 54.396.6% 2018 6 129.1512.7%173.12 8.4% 2018 20189,821.09 6.5% 18.3% 167.1% 5.5% 2018 6 36,846.23 8.04% 30,613.10 3 7.91% 2018 中期報告 7

管理層討論與分析. 2018 6 30 2017 6 30 (%) (1) 8,951.7 10,270.9 1,114.3 1,155.2 (40.9) (3.54) (1) 3,195.5 18.9 13,261.5 11,445.0 1,816.5 15.87 (3,848.0) (3,686.8) (161.2) 4.37 (3,080.5) (1,613.0) (1,467.5) 90.98 (1) (1.7) (1) 2.7 (1) 0.1 (1) 6,334.0 6,145.3 188.7 3.07 (1,447.4) (1,511.2) 63.8 (4.22) 4,886.6 4,634.1 252.5 5.45 (1) 2018 1 1 2018 63.34 3.07%48.87 5.45% 8 重慶農村商業銀行

管理層討論與分析 2018 6 30 2017 6 30 (%) (1) 18,881.0 18,359.9 (9,929.3) (8,089.0) (1,840.3) 22.75 (1) 8,951.7 10,270.9 (1) 2018 1 1 2018 188.8189.52 67.50% 2018 中期報告 9

管理層討論與分析 2018 6 30 2017 6 30 (%) (%) 348,806.7 9,198.8 5.27 311,296.2 8,040.2 5.17 (1) 165,981.5 4,253.2 5.12 260,112.0 6,324.7 4.86 83,524.5 657.0 1.57 83,173.5 652.0 1.57 162,093.8 3,798.2 4.69 135,951.5 2,634.8 3.88 (2) 760,460.5 17,907.2 4.71 790,533.2 17,651.7 4.47 586,587.2 4,724.8 1.61 546,135.5 4,201.3 1.54 30,632.5 497.9 3.25 29,003.0 438.8 3.03 72,166.6 1,434.6 3.98 65,631.7 1,100.3 3.35 97,925.3 2,298.2 4.69 84,394.6 1,685.9 4.00 (2) 787,311.6 8,955.5 2.27 725,164.8 7,426.3 2.05 8,951.7 10,225.4 (3) 2.44 2.42 (3) 2.35 2.59 (1) 2018 1 1 2018 2017 (2) (3) 2018 1 1 IAS 39 2.51% 9 2.71% 12 10 重慶農村商業銀行

管理層討論與分析 2018 244.71% 222.27% 988.4 170.2 1,158.6 (2,409.7) 338.2 (2,071.5) 2.8 2.2 5.0 613.0 550.4 1,163.4 (805.5) 1,061.0 255.5 325.6 197.9 523.5 153.5 239.9 393.4 317.3 295.0 612.3 796.4 732.8 1,529.2 8.05 10.61 1. 2018 1 1 2018 188.81 2018 中期報告 11

管理層討論與分析 (1) 2018 6 30 2017 6 30 218,798.8 5,218.7 4.77 200,562.7 4,926.8 4.91 117,882.1 3,694.5 6.27 98,397.7 2,898.2 5.89 12,125.8 285.6 4.71 12,335.8 215.2 3.49 348,806.7 9,198.8 5.27 311,296.2 8,040.2 5.17 91.99 11.59 14.42% 9.89 1.70 (2) 2018 1 1 201842.53 IAS 39 69.98 6.73 10.65% 12 重慶農村商業銀行

管理層討論與分析 (3) 20186.57 0.05 0.77% 3.51 (4) 2018 6 30 2017 6 30 (%) (%) 140,241.1 3,490.5 4.98 123,736.9 2,449.0 3.96 21,852.7 307.7 2.82 12,214.6 185.8 3.04 162,093.8 3,798.2 4.69 135,951.5 2,634.8 3.88 2018 34.91 10.42 42.55% 20183.08 1.22 65.59% 2018 中期報告 13

管理層討論與分析 2. 201899.29 18.40 22.75% (1) 2018 6 30 2017 6 30 (%) (%) 115,633.4 397.0 0.69 112,063.5 386.7 0.69 32,342.4 376.2 2.33 25,655.8 305.8 2.38 147,975.8 773.2 1.05 137,719.3 692.5 1.01 112,513.2 172.4 0.31 111,965.6 169.6 0.30 326,098.2 3,779.2 2.32 296,450.6 3,339.2 2.25 438,611.4 3,951.6 1.80 408,416.2 3,508.8 1.72 586,587.2 4,724.8 1.61 546,135.5 4,201.3 1.54 201847.25 5.24 12.47% 14 重慶農村商業銀行

管理層討論與分析 (2) 2018 6 30 2017 6 30 (%) (%) 56,829.2 1,230.5 4.33 51,900.0 899.3 3.47 15,337.4 204.1 2.66 13,731.7 201.0 2.93 72,166.6 1,434.6 3.98 65,631.7 1,100.3 3.35 2018 12.31 3.32 36.93% 2018 2.04 0.03 3. 2018 中期報告 15

管理層討論與分析 2018 2.44% 2 2018 2.35% 242018 1 1 IAS 39 2.51% 9 2.71% 12 2018 6 30 2017 6 30 (%) 1,162.9 1,202.5 (39.6) (3.29) 635.8 716.7 (80.9) (11.29) 245.9 190.6 55.3 29.01 148.8 163.0 (14.2) (8.71) 58.9 55.6 3.3 5.94 73.5 76.6 (3.1) (4.05) (48.6) (47.3) (1.3) 2.75 1,114.3 1,155.2 (40.9) (3.54) (1) 3,034.9 23.2 160.6 (4.3) 164.9 (3,834.88) (1) 3,195.5 18.9 4,309.8 1,174.1 3,135.7 267.07 (1) 2018 1 1 16 重慶農村商業銀行

管理層討論與分析 1. 2018 11.14 0.41 3.54% 8.40% 6.36 0.81 11.29% 2.46 0.55 29.01% 1.49 0.14 8.71% 0.59 0.03 5.94% 2. 2018 30.35 2018 1 1 20181.61 1.65 3,834.88% 2018 中期報告 17

管理層討論與分析 201838.48 1.61 4.37% 2018 6 30 2017 6 30 (%) 2,534.8 2,498.1 36.7 1.47 380.3 371.4 8.9 2.40 126.8 72.3 54.5 75.38 806.1 745.0 61.1 8.20 3,848.0 3,686.8 161.2 4.37 1. 2018 6 30 2017 6 3065.87% 67.76% 2018 6 30 2017 6 30 (%) 1,782.5 1,804.9 (22.4) (1.24) 621.6 595.1 26.5 4.45 130.7 98.1 32.6 33.23 2,534.8 2,498.1 36.70 1.47 201825.35 0.37 1.47% 18 重慶農村商業銀行

管理層討論與分析 2. 20181.27 0.55 75.38% 3. 2018 3.80 0.09 2.40% 4. 2018 6 307.450.61 8.06 2018 中期報告 19

管理層討論與分析 2018 30.81 14.67 90.98% 2018 6 30 2017 6 30 (%) 3,001.9 1,251.7 1,750.2 139.83 78.6 361.3 (282.7) (78.25) 3,080.5 1,613.0 1,467.5 90.98 2018 30.02 17.50 2018 0.79 2.83 2018 14.47 0.64 22.85% 20 重慶農村商業銀行

管理層討論與分析. 2018 6 30 2017 12 31 (%) (%) 362,229.8 39.87 338,346.6 37.35 (15,137.7) (1.67) (14,237.0) (1.57) (0.2) 347,091.9 38.20 324,109.6 35.78 (1) 214,883.5 23.65 316,967.9 34.99 100,365.9 11.05 97,012.1 10.71 30,250.5 3.33 45,380.4 5.01 130,660.3 14.38 102,641.4 11.33 12,984.1 1.43 2,443.7 0.27 55,328.1 6.09 519.2 0.06 440.1 0.05 440.1 0.05 (2) 16,633.0 1.82 16,263.7 1.80 908,637.4 100.00 905,778.1 100.00 (1) 2018 1 12018 2017 (2) 2018 中期報告 21

管理層討論與分析 2018 6 30 9,086.37 28.59 0.32% 238.83 7.06% 2,148.84 2018 1 1 33.54 3.46% 128.89 8.71% 105.40 431.33% 553.28 2018 1 1 22 重慶農村商業銀行

管理層討論與分析 1. 2018 6 30 2017 12 31 (%) (%) 224,742.5 62.04 214,752.5 63.47 (1) 87,468.9 24.14 87,303.8 25.80 (2) 137,273.6 37.90 127,448.7 37.67 123,670.3 34.14 113,551.3 33.56 (3) 55,762.1 15.39 50,185.5 14.83 (4) 40,713.7 11.24 38,120.6 11.27 (5) 27,194.5 7.51 25,245.2 7.46 13,817.0 3.82 10,042.8 2.97 362,229.8 100.00 338,346.6 100.00 (1) (2) (3) (4) (5) 2018 中期報告 23

管理層討論與分析 2018 6 30 3,622.30 238.83 7.06% 2,247.43 99.90 4.65% 1,236.70 101.19 8.91% 25.93 138.17 37.74 37.58% 2018 6 30 2017 12 31 (%) (%) 50,017.2 13.81 43,481.3 12.85 100,654.3 27.79 97,902.0 28.94 160,227.8 44.23 152,766.0 45.15 51,330.5 14.17 44,197.3 13.06 362,229.8 100.00 338,346.6 100.00 24 重慶農村商業銀行

管理層討論與分析 2018 6 30 2,722.2 4,472.0 3,371.9 10,566.1 1 148.3 (885.6) (737.3) 2 (212.5) 1,294.8 (34.5) 1,047.8 3 (11.6) (440.9) 2,004.2 1,551.7 1,065.2 360.9 269.6 1,695.7 (541.9) (516.9) (65.0) (1,123.8) (64.5) 131.7 40.4 107.6 (1,195.1) (1,195.1) 3,105.2 4,416.0 4,391.5 11,912.7 2018 6 30 1,652.0 394.5 1,109.5 3,156.0 1 4.3 (76.7) (27.7) (100.1) 2 (14.2) 223.6 (16.3) 193.1 3 (40.1) (131.2) 551.9 380.6 672.0 60.1 22.6 754.7 (390.6) (43.2) (48.0) (481.8) (59.7) 0.9 (14.1) (72.9) (604.5) (604.5) 1,823.7 428.0 973.4 3,225.1 2018 中期報告 25

管理層討論與分析 2018 2018 6 30 119.13 13.67 32.25 0.69 2. 2018 6 30 2017 12 31 (%) (%) 55,328.1 20.48 519.2 0.16 11,603.0 4.29 203,280.5 75.23 165,780.6 52.22 72,444.2 22.82 78,743.1 24.80 270,211.6 100.00 317,487.1 100.00 26 重慶農村商業銀行

管理層討論與分析 2018 6 30 2,702.12 472.75 14.89% 2018 6 30 2017 12 31 (%) (%) 51,617.4 19.14 31,789.9 10.03 34,717.1 12.88 24,878.2 7.85 9,543.0 3.54 8,893.8 2.81 60,504.5 22.45 50,120.3 15.82 89,750.5 33.30 197,950.8 62.50 17,193.4 6.38 1,653.7 0.50 6,237.5 2.31 1,504.0 0.50 269,563.4 100.00 316,790.7 100.00 2018 中期報告 27

管理層討論與分析 2018 6 30 2017 12 31 (%) (%) 630,095.2 74.94 572,184.3 68.08 88,225.7 10.49 139,806.1 16.63 1,134.0 0.13 7,545.0 0.90 104,395.1 12.42 103,901.3 12.36 (1) 16,945.5 2.02 17,095.7 2.03 840,795.5 100.00 840,532.4 100.00 (1) 2018 6 30 840,795.5 2.63 0.03% 579.11 10.12% 28 重慶農村商業銀行

管理層討論與分析 1. 2018 6 30 2017 12 31 (%) (%) 171,008.9 27.14 147,855.5 25.84 140,760.6 22.34 121,315.2 21.20 30,248.3 4.80 26,540.3 4.64 451,915.1 71.72 414,815.6 72.49 109,558.5 17.39 107,609.1 18.81 342,356.6 54.33 307,206.5 53.68 7,089.2 1.13 9,417.9 1.65 82.0 0.01 95.3 0.02 630,095.2 100.00 572,184.3 100.00 2018 6 30 6,300.95 579.11 10.12% 71.72% 370.99 8.94% 27.14% 231.53 15.66% 39.73% 0.28 59.13% 0.81 2018 中期報告 29

管理層討論與分析 2018 6 30 2017 12 31 (%) (%) 10,000.0 14.74 10,000.0 15.33 12,483.9 18.40 12,501.6 19.16 (88.1) (0.13) (109.7) (0.17) (196.6) (0.29) (130.7) (0.20) 9,457.2 13.94 9,457.2 14.49 12,212.1 18.00 10,726.3 16.44 22,627.7 33.36 21,244.0 32.6 66,496.2 98.02 63,688.7 97.61 1,345.7 1.98 1,557.0 2.39 67,841.9 100.00 65,245.7 100.00 2018 6 30 100.00 124.84 14.861.50% 13.84 2018 30 重慶農村商業銀行

管理層討論與分析 2018 6 30 2017 12 31 (%) (%) 348,741.1 96.28 326,590.8 96.52 9,024.9 2.49 8,454.4 2.50 2,477.7 0.68 1,753.9 0.52 1,859.1 0.51 1,514.8 0.45 127.0 0.04 32.7 0.01 362,229.8 100.00 338,346.6 100.00 4,463.8 3,301.4 (%) 1.23 0.98 2018 2018 6 30 44.64 11.621.23% 0.25 2.49% 0.01 2018 中期報告 31

管理層討論與分析 1. 2018 6 30 2017 12 31 (%) (%) (%) (%) 224,742.5 62.04 3,371.8 1.50 214,752.5 63.47 2,066.9 0.96 64,561.0 17.82 1,742.0 2.70 64,861.3 19.17 893.4 1.38 15,164.2 4.19 14,185.6 4.19 7,744.8 2.14 10,725.3 3.17 23,971.5 6.62 163.7 0.68 17,953.1 5.31 48.0 0.27 49,752.4 13.74 3.8 0.01 46,746.1 13.82 8,688.4 2.40 136.5 1.57 7,512.1 2.22 82.5 1.10 19,873.3 5.49 1,044.9 5.26 21,351.4 6.31 814.2 3.81 34,986.9 9.64 280.9 0.80 31,417.6 9.28 228.8 0.73 123,670.3 34.14 1,092.0 0.88 113,551.3 33.56 1,234.5 1.09 13,817.0 3.82 10,042.8 2.97 362,229.8 100.00 4,463.8 1.23 338,346.6 100.00 3,301.4 0.98 2018 32 重慶農村商業銀行

管理層討論與分析 2. 2018 6.11% 32.31% 2018 6 30 (1) 2018 2017 2016 6 30 12 31 12 31 (%) 10% 6.11 6.47 6.11 (%) 15% 8.32 7.88 6.97 2018 中期報告 33

管理層討論與分析 (2) 2018 6 30 (%) A 5,078.0 1.40 B 3,854.5 1.06 C 2,900.0 0.80 D 2,834.2 0.78 E 2,765.0 0.76 F 2,517.0 0.69 G 1,833.0 0.51 H 1,765.0 0.49 I 1,650.0 0.46 J 1,635.8 0.45 34 重慶農村商業銀行

管理層討論與分析 2018 6 30 2017 12 31 (%) (%) 224,742.5 3,371.8 1.50 214,752.5 2,066.9 0.96 87,468.9 1,775.0 2.03 87,303.8 1,440.6 1.65 137,273.6 1,596.8 1.16 127,448.7 626.3 0.49 123,670.3 1,092.0 0.88 113,551.3 1,234.5 1.09 55,762.1 284.1 0.51 50,185.5 307.1 0.61 40,713.7 377.7 0.93 38,120.6 534.0 1.40 27,194.5 430.2 1.58 25,245.2 393.4 1.56 13,817.0 10,042.8 362,229.8 4,463.8 1.23 338,346.6 3,301.4 0.98 2018 6 30 0.54 1.50% 0.21 0.88% 2018 6 30 2017 12 31 (%) (%) 463.0 0.13 615.6 0.18 2018 中期報告 35

管理層討論與分析 2018 6 30 2017 12 31 (%) (%) 3 2,324.9 0.63 1,542.3 0.46 3 1 2,525.2 0.70 1,841.9 0.54 1 3 853.1 0.24 1,417.5 0.42 3 218.9 0.06 200.9 0.06 5,922.1 1.63 5,002.6 1.48 2018 6 30 59.229.2 1.63% 0.15 36 重慶農村商業銀行

管理層討論與分析. 2013 1 1 2018 6 30 2017 12 31 (%) 10.60 10.39 (%) 10.61 10.40 (%) 13.21 13.03 10,000.0 10,000.0 12,199.3 12,261.2 21,669.3 20,183.5 22,636.4 21,244.0 639.6 561.5 67,144.6 64,250.2 (440.1) (440.1) (101.1) (103.8) 66,603.4 63,706.3 85.3 74.9 66,688.7 63,781.2 9,000.0 9,000.0 7,187.6 7,012.6 170.6 148.0 83,046.9 79,941.8 628,466.1 613,436.6 582,198.8 568,017.0 4,192.1 3,344.4 42,075.2 42,075.2 2018 中期報告 37

管理層討論與分析 2018 6 30 13.21% 0.18 10.50% 2.71 10.60% 10.61% 0.21 2017 (http://www.cqrcb.com). 2018 6 30 2018 6 30 908,637.4 145.1 24,934.0 (541.3) 933,175.2 38 重慶農村商業銀行

管理層討論與分析 2018 6 30 895,460.8 (541.3) 894,919.5 192.5 145.1 337.6 12,984.1 12,984.1 36,170.4 (11,236.4) 24,934.0 66,688.6 933,175.2 (%) 7.15 2018 6 307.15% 0.30 2018 中期報告 39

管理層討論與分析. 2018 6 30 2017 12 31 67.66 32.34 67.83 32.17 45.38 54.62 44.67 55.33 45.02 54.98 45.65 54.35 38.56 97.09 38.94 101.70 2018 6 30 2017 6 30 1.06 1.10 1.12 1.12 7.86 8.90 8.68 11.44 31.88 24.57 34.02 29.25 12 40 重慶農村商業銀行

管理層討論與分析 2018 6 30 2017 6 30 (%) (%) 3,864.3 29.14 3,724.5 32.54 4,770.4 35.97 3,751.1 32.78 4,619.7 34.84 3,940.0 34.63 7.1 0.05 5.4 0.05 13,261.5 100.00 11,445.0 100.00. 2018 6 30 111.61 76.53 19.46. 2018 中期報告 41

管理層討論與分析. 2018 6 30 2017 6 30 (%) 3,543.0 3,412.3 3.83 315.7 343.5 (8.09) 5.6 (31.3) (117.89) 3,864.3 3,724.5 3.75 (1,339.4) (1,293.9) 3.52 (2,433.7) (1,069.6) 127.53 91.2 1,361.0 (93.30) 2018 2017 6 30 12 31 (%) 223,473.0 217,486.7 2.75 2018 35.43 3.83% 2,234.732.75% 42 重慶農村商業銀行

管理層討論與分析 2018 6 30 1,781.80 28.28% 208.11 13.22% 2018 6 30 2,385.59 137.64 6.12% 33.72 1.50% 13.05 0.54 2018 6 30 17.82% 13.74% 6.62% 5.49% 4.19% 2.40% 2.14% 500 500100 1,200 2018 中期報告 43

管理層討論與分析 2018 6 119,723 19,612 1,101.8646.42 114.90 11.64% 0.96 98.72% 1. 2018 6 23 9 4.9446% 100 44 重慶農村商業銀行

管理層討論與分析 2. 2018 5 6 2132.79 70% 7,911 9.06 65% 201833 6.37 36.82% 14.5818.63% 17.28 2.88 77.558.62% 19.8785.88% 555 2018 2018 中期報告 45

管理層討論與分析. 2018 6 30 2017 6 30 (%) 4,283.0 3,341.5 28.18 483.3 404.0 19.63 4.1 5.6 (26.79) 4,770.4 3,751.1 27.17 (1,507.1) (1,399.9) 7.66 (540.9) (182.1) 197.03 2,722.4 2,169.1 25.51 2018 6 30 2017 12 31 (%) 120,962.5 104,576.7 15.67 27.22 42.98% 19.63% 2018 46 重慶農村商業銀行

管理層討論與分析 ( ) 2018 6 30 4,519.15 370.99 8.94% ( ) + 2018 中期報告 47

管理層討論與分析 2018 6 301,236.70101.19 (1) 230.36 22.22 (1) ( ) 1. IC 2018 6 30 1,969.99 156.37 8.39% 511.24 2. 48 重慶農村商業銀行

管理層討論與分析 2018 6 30 65.39 8.91 15.78% 41.9 22.06% 2018 148.49 4.39 3.05% ( ) + 2018 2018 6 30 2,152.35 30.76% 3.24 55.74% 259.45 152.21% 2017 12 2018-202040 2018 6 308 180,000,000.00149,075,500.00 329,075,500.00 2018 中期報告 49

管理層討論與分析. 2018 2017 6 30 6 30 (%) (1) 1,125.6 3,517.1 315.3 407.7 (22.66) (1) 3,034.9 23.2 143.9 16.0 799.38 4,619.7 3,964.0 16.54 (1,001.5) (993.0) 0.86 (105.9) (361.3) (70.69) (1.7) 2.7 0.1 3,513.3 2,609.8 34.62 2018 6 30 2017 12 31 (%) 555,051.6 575,007.5 (3.47) (1) 2018 1 1 50 重慶農村商業銀行

管理層討論與分析 2018 2018 6 35.13 9.04 34.62% 2018 6 30 2017 12 31 % % (1) 269,563.4 48.57 316,790.7 55.09 12,984.1 2.34 2,443.7 0.42 100,365.9 18.08 97,012.1 16.87 160,910.8 28.99 148,021.8 25.74 4,412.8 0.79 3,637.5 0.63 6,814.6 1.23 7,101.7 1.25 555,051.6 100.00 575,007.5 100.00 2018 6 30 5,550.52 199.56 3.47% 472.27 6.52 33.54 1.21 105.40 1.92 128.89 3.25 7.75 0.16 2018 中期報告 51

管理層討論與分析 1. 2018 6 30 2017 12 31 % % 55,328.1 20.53 519.2 0.16 10,954.8 4.06 203,280.5 75.41 165,084.2 52.11 72,444.2 22.87 78,743.1 24.86 269,563.4 100.00 316,790.7 100.00 (1) 2018 IFRS 9 2018 6 30 2,032.81 75.41% 553.28 20.53% 109.55 4.06% 52 重慶農村商業銀行

管理層討論與分析 2. 2018 6 30 2017 12 31 % % AAA 18,017.0 6.68 18,043.1 5.70 AA 13,995.2 5.19 10,620.6 3.35 A 89.4 0.03 108.2 0.03 237,461.8 88.10 288,018.8 90.92 269,563.4 100.00 316,790.7 100.00 2018 AAA 2018 6 30 AA 33.49 2.82 505.57 2.82 2018 中期報告 53

管理層討論與分析 3. 2018 6 30 2017 12 31 % % 3 39,783.3 14.76 86,751.9 27.38 3 12 64,073.8 23.77 91,823.2 28.99 1 5 121,384.1 45.03 109,948.2 34.71 5 44,322.2 16.44 28,267.4 8.92 269,563.4 100.00 316,790.7 100.0 2018 6 30 12 747.18 17.84 5 160.55 7.52 1 5 114.36 10.32 54 重慶農村商業銀行

管理層討論與分析 4. 2018 6 30403.04 2018 2,500.0 4.88 2028/2/9 2017 2,000.0 4.30 2024/8/21 2018 1,500.0 4.69 2023/3/23 2017 1,000.0 3.83 2024/1/6 2017 1,000.0 4.39 2027/9/8 2018 1,000.0 4.37 2023/5/25 2018 1,000.0 4.73 2025/4/2 2013 1,000.0 4.02 2018/7/18 2017 1,000.0 4.44 2022/11/9 2013 950.0 4.07 2020/4/11 2018 中期報告 55

管理層討論與分析 2018. 2018 1-6 783 1,812.59 873.19 32.51% 2018 6 1,195.99 246.27 17.08% 2018 6 301,777 151 37 53 1,678 2 38 1,462 313 2018 120 82 56 重慶農村商業銀行

管理層討論與分析 2018 6 30 170 24 4,881 2.75 13,992 889 2018 6 30 556 1. ETC 2018 6 30 769.13 87.55 12.85% 3,193.40 5,284.89 2018 中期報告 57

管理層討論與分析 2. UI 2018 6 30 59.76 1,440.81 3. (1) 2018 6 30124 5 4.20% 2018 6 30 6.23 1.11 21.68% 310.44 4,016.50 (2) 2018 6 30 291.09 13.59 4.90% 12,656.36 1,193.67 58 重慶農村商業銀行

管理層討論與分析 4. 2018 6 30 4.08122.36 1.85 5. ETC 2018 6 30 45.9713.20 17.92 4.8410.01 (1) 2018 6 30442.73 2018 6 301,105.56 80.24% 2018 6 3092.06% 1.94 2018 中期報告 59

管理層討論與分析. 2018 6 30 71.63, 5.47 14.21 12 32.75 14.03 20.53 2014 9 25 68.00%. 2018 2018 60 重慶農村商業銀行

管理層討論與分析 ( ) 2018 IT22018 ( ) ( ) 2018 2018 中期報告 61

管理層討論與分析 ( ) 2018 7 e. ( ) 2018 6 30 15,70411,161 71.07% 487 780 5,767 ( ) 2018 ( ) 2018 762 4.3 62 重慶農村商業銀行

管理層討論與分析 427 36 1,395 2 12 2018 6 30 (1) 1,643.97 132.57 8.77% 716.32 30.03% 55.11 8.33% 927.65 75.01% 77.46 9.11% 4,263.37 382.36 9.85% 2018 6 30 (2) 1,513.82 (1) 12 (2) [2007]246 2018 中期報告 63

管理層討論與分析. ( ) ( ) ( ) + 64 重慶農村商業銀行

管理層討論與分析.. 1,120 2018 6 30 120.00 2018 393.86 9.23 2,250.21 27.65 2018 中期報告 65

23.2 23.2 管理層討論與分析 2018 6 30 2,808 707 556 1,529.12 77.62% 119.7550.28 76.89% 6.94 203.47 70.04% 10.61 616.64 80.45% 71.43. 2018 6 30 2017 6 30 2,038.0 6,913.7 8,951.7 1,994.9 8,276.0 10,270.9 498.0 616.3 1,114.3 486.5 668.7 1,155.2 3,034.9 3,034.9 23.2 23.2 25.8 134.8 160.6 34.9 (39.2) (4.3) 2,561.8 10,699.7 13,261.5 2,516.3 8,928.7 11,445.0 3,772.7 (3,772.7) 3,085.9 (3,085.9) 6,334.5 6,927.0 13,261.5 5,602.2 5,842.8 11,445.0 2018 6 30 63.35 66 重慶農村商業銀行

管理層討論與分析 2018 2018 2018 中期報告 67

管理層討論與分析 2018 2018 FTP 2018 68 重慶農村商業銀行

管理層討論與分析 2018 6 2018 6 30 1 1 3 3 12 1 5 5 79,890.2 (493,461.0) 43,294.1 51,642.8 110,727.5 142,516.7 130,618.2 65,228.5 2018 6 2018 6 30 85,070.09 30 35,760.34 % 237.89. 2018 中期報告 69

管理層討論與分析 2018 FTP 2018 6 30 1 3 1 3 12 1 5 5 (349,750.3) 54,204.7 219,101.8 53,939.7 35,341.3 52,391.3 65,228.5 2018 6 30 652.29 25.24 70 重慶農村商業銀行

管理層討論與分析 2018 2018 中期報告 71

管理層討論與分析. IT 2018 72 重慶農村商業銀行

管理層討論與分析. 2018 RWA IFRS 9 2018 中期報告 73

管理層討論與分析. 2018 3 (KPI) 235 300 74 重慶農村商業銀行

管理層討論與分析 2018 中期報告 75

管理層討論與分析 2018 2018 9,821.09 6.5% 2018 76 重慶農村商業銀行

股本變動及股東情況 2018 1 1 + (-) 2018 6 30 %. 1. (1) 5,925,048,559 59.25 5,925,048,559 59.25 (2) 2,811,862,459 28.12 2,811,862,459 28.12 3,113,186,100 31.13 3,113,186,100 31.13 2. 1,561,615,400 15.61 1,561,615,400 15.61 152,373,510 1.52 152,373,510 1.52 1,408,161,775 14.08 130 130 1,408,161,905 14.08 (3) 1,080,115 0.01 (130) (130) 1,079,985 0.01 3. (1) 2,513,336,041 25.13 2,513,336,041 25.13. 10,000,000,000 100.00 10,000,000,000 100.00 (1) 79,881 H 1,320 (2) 14 (3) 130 1,079,985 2018 中期報告 77

股本變動及股東情況 2018 5 830 32 2014 6 19 502016 12 7 402018 5 8 30 10,000,000,000 7,486,663,959H 2,513,336,041 78 重慶農村商業銀行

股本變動及股東情況 10 (1) (2) % 01 (3) 2,513,336,041 25.13 H 02 998,000,000 9.98 03 787,087,430 7.87 04 589,084,181 5.89 05 570,000,000 5.70 470,000,000 06 443,100,000 4.43 221,500,000 07 300,000,000 3.00 149,900,000 08 200,000,000 2.00 09 150,000,000 1.50 120,000,000 10 150,000,000 1.50 120,000,000 2018 中期報告 79

股本變動及股東情況 (1) 2018 6 30100 (2) 2018 6 30 8,000 0.80% 2018 6 3050% 1,049,573,30010.50% (3) H 80 重慶農村商業銀行

股本變動及股東情況 336 % 998,000,000 13.33 9.98 787,087,430 10.51 7.87 589,084,181 7.87 5.89 570,000,000 7.61 5.70 443,100,000 5.92 4.43 300,000,000 4.01 3.00 200,000,000 2.67 2.00 150,000,000 2.00 1.50 2018 中期報告 81

股本變動及股東情況 H % H H (3) BlackRock, Inc. (1) 355,398,574 (L) 14.14% 3.55% 3,507,000 (S) 0.14% 0.04% BlackRock Global Funds 176,577,000 (L) 7.03% 1.77% (2) 176,048,000 (L) 7.00% 1.76% Fosun International 176,048,000 (L) 7.00% 1.76% Holdings Ltd. (2) Fosun International Limited (2) 176,048,000 (L) 7.00% 1.76% Citigroup Inc. 133,803,595 (L) 5.32% 1.34% 4,424,700 (S) 0.17% 0.04% 128,684,759 (P) 5.12% 1.29% Fosun Holdings Limited 125,814,000 (L) 5.01% 1.25% (1) BlackRock, Inc. BlackRock Holdco 2, Inc. BlackRock Holdco 2, Inc. BlackRock Financial Management, Inc. BlackRock, Inc. BlackRock Holdco 2, Inc. BlackRock Financial Management, Inc. BlackRock, Inc. BlackRock Financial Management, Inc. 335,398,547 H 3,507,000 H649,000 H 149,000 H (2) Fosun International Holdings Ltd. 64.45% Fosun International Holdings Ltd. Fosun Holdings Limited 100% Fosun Holdings Limited Fosun International Limited 71.70% Fosun International Holdings Ltd. Fosun Holdings Limited Fosun International Limited Fosun International Limited 176,048,000 H (3) (L) (S) (P) 82 重慶農村商業銀行

股本變動及股東情況 998,000,000 787,087,430 589,084,181 570,000,0009.98% 7.87% 5.89% 5.70% 5% 5% 443,100,000 300,000,000 200,000,000 150,000,0004.43% 3.0% 2.0% 1.5% 2004 2 27 2011 6 28 100 1993 2 26 2011 1 7 200 2018 中期報告 83

股本變動及股東情況 2002 12 06 2006 9 246,291.7353 2003 1 22 10 500 1997 11.16 AAA 1997 4 1 2001 5 1 2003 121 AAA 84 重慶農村商業銀行

股本變動及股東情況 (1) 10% (2) 2018 中期報告 85

股本變動及股東情況 XV 352 % 11,900 0.00016 0.00012 37,600 0.00050 0.00038 86 重慶農村商業銀行

董事 監事及高級管理人員情況 2018 6 30 132 6 5 2016 10 272017 4 122017 5 5 2018 5 16 2018 6 15 2018 2018 2018 8 7 2018 中期報告 87

董事 監事及高級管理人員情況 82 3 3 2018 6 15 2018 2018 2018 8 7 2018 5 2018 5 2018 6 30 88 重慶農村商業銀行

重要事項 2018 6 30 2018 6 25 2018 2018 A A 33 9 24 345354 2018 6 25 2018 8 7 2018 中期報告 89

重要事項 20172018 6 22 2018 5 9 H 20170.20 20.00 2018 2017 157.02 4.33% 2,808 90 重慶農村商業銀行

重要事項 5% 5% 2016 6 17 2015 A A 2017 5 5 2016 A 2017 12 26 AA 2018 1 4 2018 1 3 172656 2018 4 27 2017 A A A 2018 中期報告 91

重要事項 IFRS 9 IFRS 9 IAS 39 IFRS 9 IAS 39 2018 6 30 2018 6 30 92 重慶農村商業銀行

中期財務資料審閱報告 中期財務資料審閱報告 95 192 34 34 2410 2018 中期報告 93

中期財務資料審閱報告 中期財務資料審閱報告 ( 續 ) 34 94 重慶農村商業銀行

簡要合併損益表 2018 1 1 6 30 6 30 2018 2017 7 18,881,015 18,359,943 7 (9,929,360) (8,089,040) 8,951,655 10,270,903 8 1,162,891 1,202,463 8 (48,559) (47,256) 1,114,332 1,155,207 9 3,034,913 23,186 10 160,564 (4,280) 13,261,464 11,445,016 11 (3,847,994) (3,686,811) 12 (3,080,500) (1,613,018) 68 13 (1,698) 2,694 6,333,966 6,145,268 13 (1,447,368) (1,511,179) 4,886,598 4,634,089 4,835,639 4,594,073 50,959 40,016 4,886,598 4,634,089 14 0.48 0.49 2018 中期報告 95

簡要合併損益表及其他綜合收益表 2018 1 1 6 30 6 30 2018 2017 4,886,598 4,634,089 (87,870) 156,330 21,967 (39,083) (65,903) 117,247 (78,281) 1,698 9,587 16,749 148,271 (68) (37,051) (50,247) 111,152 (116,150) 228,399 4,770,448 4,862,488 4,719,489 4,822,472 50,959 40,016 4,770,448 4,862,488 96 重慶農村商業銀行

簡要合併財務狀況表 2018 6 30 2018 2017 6 30 12 31 16 100,365,941 97,012,085 17 30,250,542 45,380,379 18 130,660,254 102,641,378 19 192,512 169,629 20 12,984,120 2,443,685 21 347,091,901 324,109,622 22 55,328,134 519,234 22 11,602,969 22 203,280,452 22 165,780,616 22 72,444,185 22 78,743,066 23 4,796,880 5,000,967 24 440,129 440,129 33 3,904,027 3,256,728 25 7,739,553 7,836,377 908,637,414 905,778,080 26 28,325,610 31,338,420 27 38,992,563 85,487,818 28 20,907,480 22,979,936 19 299,747 176,589 29 1,134,000 7,545,030 30 630,095,220 572,184,256 31 4,841,859 5,022,904 881,746 877,159 32 104,395,080 103,901,345 34 10,922,196 11,018,938 840,795,501 840,532,395 2018 中期報告 97

簡要合併財務狀況表 ( 續 ) 2018 6 30 2018 2017 6 30 12 31 35 10,000,000 10,000,000 36 12,483,907 12,501,557 37 (88,051) (109,673) (196,554) (130,651) 38 9,457,152 9,457,152 39 12,212,105 10,726,344 22,627,634 21,243,958 66,496,193 63,688,687 1,345,720 1,556,998 67,841,913 65,245,685 908,637,414 905,778,080 2018 8 30 95 192 98 重慶農村商業銀行

簡要合併權益變動表 2018 1 1 6 30 2017 12 31 10,000,000 12,501,557 (109,673) (130,651) 9,457,152 10,726,344 21,243,958 63,688,687 1,556,998 65,245,685 4 71,869 33,798 105,667 8,763 114,430 2018 1 1 10,000,000 12,501,557 (37,804) (130,651) 9,457,152 10,726,344 21,277,756 63,794,354 1,565,761 65,360,115 4,835,639 4,835,639 50,959 4,886,598 (50,247) (65,903) (116,150) (116,150) (50,247) (65,903) 4,835,639 4,719,489 50,959 4,770,448 (17,650) (17,650) (247,000) (264,650) 39 1,485,761 (1,485,761) 15 (2,000,000) (2,000,000) (24,000) (2,024,000) 2018 6 30 10,000,000 12,483,907 (88,051) (196,554) 9,457,152 12,212,105 22,627,634 66,496,193 1,345,720 67,841,913 2017 1 1 9,300,000 9,201,954 53,219 (313,434) 8,580,210 9,473,893 16,297,378 52,593,220 1,596,617 54,189,837 4,594,073 4,594,073 40,016 4,634,089 111,152 117,247 228,399 228,399 111,152 117,247 4,594,073 4,822,472 40,016 4,862,488 1,511 1,511 (50,000) (48,489) 39 1,252,451 (1,252,451) 15 (1,860,000) (1,860,000) (1,860,000) 2017 6 30 9,300,000 9,203,465 164,371 (196,187) 8,580,210 10,726,344 17,779,000 55,557,203 1,586,633 57,143,836 2018 中期報告 99

簡要合併現金流量表 2018 1 1 6 30 6 30 2018 2017 6,333,966 6,145,268 380,250 371,431 3,080,500 1,613,018 (4,887,897) (6,589,946) (35,632) (31,527) 2,298,168 1,685,861 (996) (81) (6,284) (8,410) (1,472,696) (25,315) (135,057) 40,183 5,554,322 3,200,482 22,861,232 (15,851,965) (48,947,681) (10,368,002) - 2,999,871 132,250 3,574,101 (25,458,423) (23,604,597) (6,411,030) 2,356,609 (3,012,810) 5,465,140 (2,072,456) (586,925) 11,415,709 4,469,375 1,222,772 325,809 (1,803,765) (918,013) (46,519,880) (28,938,115) (2,086,931) (1,560,435) (48,606,811) (30,498,550) 100 重慶農村商業銀行

簡要合併現金流量表 ( 續 ) 2018 1 1 6 30 6 30 2018 2017 162,550,786 284,818,866 4,945,777 6,874,432 18,756 49,529 (113,771,810) (314,191,876) (170,872) (296,149) 53,572,637 (22,745,198) 67,549,991 73,022,163 (264,650) (48,489) (69,100,000) (36,440,000) (1,965,509) (1,965,050) (24,000) - (319,000) (319,000) (4,123,168) 34,249,624 842,658 (18,994,124) 1 1 48,608,610 69,664,471 18,074 (86,125) 6 30 40 49,469,342 50,584,222 14,076,759 11,586,589 (10,276,354) (7,877,336) 3,800,405 3,709,253 2018 中期報告 101

合併財務報表附註 2018 1 1 6 30 1. 2008 6 27 38 39 2008 6 27 39 2010 12 16 B0335H250000001 91500000676129728J 2. 34 2017 12 31 2017 12 31 102 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 3. 2018 1 1 6 30 2017 12 31 2018 1 1 (1) 2 (2) 4 9 (3) 9 (4) 15 (5) 22 (6) 40 (7) 28 2014-2016 9 4 5 2018 中期報告 103

合併財務報表附註 ( 續 ) 2018 1 1 6 30 3. (1) 2019 1 1 23 (2) 16 2019 1 1 (3) 17 2021 1 1 (4) 3 11 2019 1 1 12 23 2015-2017 (5) 9 2019 1 1 (6) 19 2019 1 1 (7) 28 2019 1 1 (8) 10 28 2016 1 1 104 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 3. 16 2016 1 13 16 IFRS 16 17 IAS 17 IAS 17IFRS 16 2018 6 30 178 44 IFRS 16 4. 2014 7 9IFRS 92018 1 1 IFRS 9 IFRS 9 2018 1 1 2017 12 31 IFRS 9 7 (IFRS 7IFRS 9 IFRS 9 2018 中期報告 105

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (1) 106 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (1) (i) (ii) (i) (ii) 2018 中期報告 107

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (1) (i) (ii) (iii) (i)(ii) 108 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (2) 2018 中期報告 109

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (3) (i) (ii) (iii) (iv) (i) (ii) (iii) 110 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (a) 2018 1 1 IFRS 9 39 IAS 39 IAS 39 IFRS 9 97,012,085 97,012,085 45,380,379 45,330,151 102,641,378 102,523,299 169,629 169,629 2,443,685 2,442,047 324,109,622 314,581,757 10,020,879 519,234 165,780,616 149,008,997 8,160,355 160,555,509 72,444,185 78,743,066 2018 中期報告 111

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (b) IAS 39 IFRS 9 2018 1 1IAS 39 IFRS 9 IAS 39 2017 12 31 IFRS 9 2018 1 1 IAS 39 45,380,379 (50,228) IFRS 9 45,330,151 IAS 39 102,641,378 (118,079) IFRS 9 102,523,299 IAS 39 2,443,685 (1,638) IFRS 9 2,442,047 112 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (b) IAS 39 IFRS 9 IAS 39 2017 12 31 IFRS 9 2018 1 1 IAS 39 72,444,185 IFRS 9 (72,444,185) IFRS 9 IAS 39 78,743,066 IFRS 9 (75,816,841) IFRS 9 (2,926,225) IFRS 9 IAS 39 324,109,622 IFRS 9 (9,722,388) 194,523 IFRS 9 314,581,757 2018 中期報告 113

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (b) IAS 39 IFRS 9 IAS 39 2017 12 31 IFRS 9 2018 1 1 IAS 39 IAS 39 72,444,185 225,109 IAS 39 75,816,841 294,919 IAS 39 11,707,893 95,436 (28,874) IFRS 9 160,555,509 625,762,315 (940,720) 611,168 625,432,763 114 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (b) IAS 39 IFRS 9 IAS 39 2017 12 31 IFRS 9 2018 1 1 IAS 39 519,234 IAS 39 145,880,247 (199,988) IAS39 2,926,225 (116,721) IFRS 9 149,008,997 IAS 39 169,629 IFRS 9 169,629 688,863 148,806,472 (316,709) 149,178,626 2018 中期報告 115

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (b) IAS 39 IFRS 9 IAS 39 2017 12 31 IFRS 9 2018 1 1 IAS 39 IAS39 8,192,476 (32,121) IFRS 9 8,160,355 IAS 39 165,780,616 IFRS9 (11,707,893) IFRS9 (145,880,247) (8,192,476) IFRS 9 116 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (b) IAS 39 IFRS 9 IAS 39 2017 12 31 IFRS 9 2018 1 1 IAS 39 IAS 39 9,722,388 298,491 IFRS 9 10,020,879 165,780,616 (147,865,752) 266,370 18,181,234 2018 中期報告 117

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (b) IAS 39 IFRS 9 IFRS 9 (i) IFRS 9 SPPI IFRS 9 (ii) IFRS 9 SPPI IFRS 9 118 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (b) IAS 39 IFRS 9 (iii) IFRS 9 (iv) (v) IFRS 9 IFRS 9 (vi) IAS 39 IFRS 9 (i) (ii) 2018 中期報告 119

合併財務報表附註 ( 續 ) 2018 1 1 6 30 4. (4) IFRS 9 (c) IAS 39 IFRS 9 13,916,582 (194,523) 13,722,059 320,364 (306,074) 14,290 1,638 1,638 50,228 50,228 118,079 118,079 315,981 (315,981) 1,868,301 (1,868,301) 2,184,282 (491,154) 1,693,128 40,093 40,093 407,823 407,823 16,421,228 (373,890) 16,047,338 2017 12 31 120 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 5. 2017 12 31 46 46 2018 中期報告 121

合併財務報表附註 ( 續 ) 2018 1 1 6 30 6. 2018 6 30 % % 2010 4 23 200 58.50 58.50 2010 11 12 100 81.00 81.00 2010 12 14 200 90.00 90.00 2012 12 4 100 100.00 100.00 2013 1 9 100 81.00 81.00 2013 1 9 100 90.00 90.00 2013 2 4 100 93.00 93.00 2013 2 5 200 85.00 85.00 2013 4 23 62 82.26 82.26 2013 8 9 100 59.00 59.00 2015 9 2 200 51.00 51.00 2016 1 5 200 90.00 90.00 2014 12 19 2,500 68.00 68.00 122 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 6. 2018 6 30 81% 90% 100% 81% 85% 13 2018 6 30 2017 12 31 2018 中期報告 123

合併財務報表附註 ( 續 ) 2018 1 1 6 30 7. 6 30 2018 2017 9,198,723 8,040,189 5,218,677 4,926,832 3,694,495 2,898,170 285,551 215,187 4,398,194 489,703 87,401 2,602,466 2,478,966 1,508,514 3,188,109 2,064,293 641,513 740,175 657,029 651,984 307,744 185,955 18,881,015 18,359,943 (4,926,449) (4,275,309) (2,298,168) (1,685,861) (1,372,514) (1,121,204) (497,938) (438,791) (630,234) (366,862) (204,057) (201,013) (9,929,360) (8,089,040) 8,951,655 10,270,903 35,632 31,527 3,296,608 2,529,478 1,591,289 4,147,869 4,887,897 6,677,347 124 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 8. 6 30 2018 2017 635,778 716,662 232,267 190,538 148,768 162,957 58,945 55,577 13,647 5,193 73,486 71,536 1,162,891 1,202,463 (22,662) (18,660) (12,029) (12,263) (13,868) (16,333) (48,559) (47,256) 1,114,332 1,155,207 9. 6 30 2018 2017 3,135,188 (23,767) (100,275) 46,953 3,034,913 23,186 2018 中期報告 125

合併財務報表附註 ( 續 ) 2018 1 1 6 30 10. 6 30 2018 2017 135,057 (40,183) 14,004 22,810 6,284 8,410 5,188 4,249 5,143 159 (5,271) 434 160,564 (4,280) 11. 6 30 2018 2017 (1) 2,534,756 2,498,145 561,626 549,948 380,250 371,431 126,770 72,263 1,576 1,614 243,016 193,410 3,847,994 3,686,811 126 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 11. (1) 6 30 2018 2017 1,782,553 1,804,933 399,052 384,636 157,123 148,275 65,408 57,241 61,550 62,180 59,680 41,370 9,390 (490) 2,534,756 2,498,145 12. 6 30 2018 2017 3,001,893 1,251,665 99,659 12,290 374,726 (13,373) 15,677 13,399 (35,172) (27,246) 3,080,500 1,613,018 2018 中期報告 127

合併財務報表附註 ( 續 ) 2018 1 1 6 30 13. (1) 6 30 2018 2017 2,091,517 1,661,213 33 (644,149) (150,034) 1,447,368 1,511,179 25% (2) 2018 2017 6 30 6 30 2018 2017 6,333,966 6,145,268 25% 1,583,491 1,536,317 15% (24,066) (15,671) 21,755 39,840 (i) (164,208) (49,307) 30,396 1,447,368 1,511,179 (i) 128 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 14. 6 30 2018 2017 4,835,639 4,594,073 10,000,000 9,300,000 0.48 0.49 15. 6 30 2018 2017 2017 20 2,000,000 2016 20 1,860,000 2018 3 29 2017 0.20 2,000 2018 4 27 2017 2017 3 17 2016 0.20 1,860 2017 5 5 2016 2018 2018 中期報告 129

合併財務報表附註 ( 續 ) 2018 1 1 6 30 16. 2018 2017 6 30 12 31 3,161,064 3,273,111 (1) 75,045,430 83,023,064 (2) 20,347,546 8,946,135 (3) 1,811,901 1,769,775 100,365,941 97,012,085 (1) 2018 6 30 12.5% 2017 12 31 14.5% 9% 8% 7% 2017 12 31 9% 8% 7% 5% 2017 12 31 5% (2) (3) 130 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 17. 2018 6 30 2017 12 31 29,797,542 44,493,416 468,056 886,963 30,265,598 45,380,379 (15,056) 30,250,542 45,380,379 18. 2018 6 30 2017 12 31 86,034,000 81,918,814 44,760,010 20,722,564 130,794,010 102,641,378 (133,756) 130,660,254 102,641,378 2018 中期報告 131

合併財務報表附註 ( 續 ) 2018 1 1 6 30 19. 2018 6 30 2017 12 31 8,486,192 192,512 (184,216) 6,052,887 169,629 (168,326) 3,415,256 (115,517) 392,052 (8,263) 538,000 (14) 12,439,448 192,512 (299,747) 6,444,939 169,629 (176,589) 20. 2018 6 30 2017 12 31 12,999,157 2,443,685 (15,037) 12,984,120 2,443,685 132 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (1) 2018 6 30 2017 12 31 348,412,772 338,346,567 (15,137,731) (14,236,945) (i) 333,275,041 324,109,622 13,816,860 347,091,901 324,109,622 (i) 2018 6 30 2017 12 31 348,412,772 338,346,567 (4,928,846) (4,843,883) (5,365,002) (13,047,315) (1,189,630) 333,275,041 324,109,622 2018 中期報告 133

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (2) 2018 6 30 293,675,998 47,306,297 7,430,477 348,412,772 (4,928,846) (4,843,883) (5,365,002) (15,137,731) 288,747,152 42,462,414 2,065,475 333,275,041 13,816,860 13,816,860 (11,587) (11,587) 2017 12 31 335,045,164 1,234,544 2,066,859 3,301,403 338,346,567 (12,045,644) (1,001,671) (1,189,630) (2,191,301) (14,236,945) 322,999,520 232,873 877,229 1,110,102 324,109,622 134 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (3) 2018 6 30 2018 1 1 2,722,234 4,471,975 3,371,886 10,566,095 1 148,251 (885,607) (737,356) 2 (212,461) 1,294,769 (34,507) 1,047,801 3 (11,637) (440,911) 2,004,233 1,551,685 1,065,214 360,869 269,645 1,695,728 (541,927) (516,875) (65,039) (1,123,841) (64,519) 131,684 40,415 107,580 (1,195,139) (1,195,139) 2018 6 30 3,105,155 4,415,904 4,391,494 11,912,553 2018 6 30 2018 1 1 1,652,015 394,483 1,109,466 3,155,964 1 4,281 (76,692) (27,671) (100,082) 2 (14,225) 223,628 (16,261) 193,142 3 (40,143) (131,170) 551,911 380,598 671,978 60,057 22,588 754,623 (390,565) (43,237) (47,954) (481,756) (59,650) 909 (14,056) (72,797) (604,514) (604,514) 2018 6 30 1,823,691 427,978 973,509 3,225,178 2018 中期報告 135

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (3) 2017 1 1 768,156 11,536,868 12,305,024 1,444,693 7,988,026 9,432,719 (83,920) (6,064,355) (6,148,275) (986,561) (610,086) (1,596,647) 95,798 219,591 315,389 (48,536) (22,729) (71,265) 2017 12 31 1,189,630 13,047,315 14,236,945 136 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (4) 2018 6 30 2017 12 31 (%) (%) 66,392,525 27.83 66,039,250 29.38 49,754,249 20.86 46,775,553 20.81 26,010,920 10.90 25,550,655 11.37 24,110,486 10.11 18,036,420 8.02 15,164,176 6.36 14,186,054 6.31 12,103,364 5.07 10,468,016 4.66 9,242,105 3.87 8,101,005 3.60 7,744,826 3.25 10,725,323 4.77 7,531,891 3.16 5,787,688 2.57 4,715,167 1.98 4,054,052 1.80 3,872,010 1.62 3,295,430 1.47 3,848,631 1.61 4,154,949 1.85 8,069,046 3.38 7,620,840 3.39 238,559,396 100.00 224,795,235 100.00 55,762,120 45.09 50,185,504 44.20 40,713,677 32.92 38,120,621 33.57 3,902,872 3.16 4,211,008 3.71 23,291,567 18.83 21,034,199 18.52 123,670,236 100.00 113,551,332 100.00 362,229,632 338,346,567 2018 6 30 13,8172017 12 31 10,043 2018 中期報告 137

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (5) 2018 6 30 1 1 5 5 28,488,760 15,687,366 5,841,055 50,017,181 38,630,712 35,921,054 26,102,566 100,654,332 61,186,365 27,441,005 71,600,435 160,227,805 17,027,526 9,881,092 24,421,696 51,330,314 145,333,363 88,930,517 127,965,752 362,229,632 2017 12 31 1 1 5 5 25,241,877 13,926,549 4,312,907 43,481,333 39,644,148 34,321,716 23,936,111 97,901,975 59,197,089 27,979,999 65,588,835 152,765,923 14,616,528 9,694,832 19,885,976 44,197,336 138,699,642 85,923,096 113,723,829 338,346,567 138 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (6) 2018 6 30 90 91 360 361 3 3 121,289 225,994 3,417 5,655 356,355 562,524 902,097 29,409 8,404 1,502,434 1,582,399 1,375,400 820,306 204,793 3,982,898 58,693 21,711 80,404 2,324,905 2,525,202 853,132 218,852 5,922,091 2017 12 31 90 91 360 361 3 3 92,554 142,730 17,649 8,832 261,765 352,070 429,275 223,043 59,106 1,063,494 1,081,898 1,269,846 1,151,856 132,945 3,636,545 15,832 25,000 40,832 1,542,354 1,841,851 1,417,548 200,883 5,002,636 2018 中期報告 139

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (7) 2018 2017 6 30 12 31 353,003,044 333,132,181 (i) 1,796,111 1,912,983 (ii) 7,430,477 3,301,403 362,229,632 338,346,567 (15,137,731) (14,236,945) 347,091,901 324,109,622 (i) 2018 6 30 30 30 60 60 90 90 30 60 90 346,092 131,040 203,298 680,430 701,364 730,060 200,439 185,182 1,115,681 2,044,548 1,076,152 331,479 388,480 1,796,111 2,745,912 2017 12 31 30 30 60 60 90 90 30 60 90 185,533 147,011 96,260 477,266 906,070 1,739,684 534,462 192,840 166,224 113,387 1,006,913 1,512,356 719,995 339,851 262,484 590,653 1,912,983 3,252,040 140 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 21. (7) (ii) 2018 6 30 7,430,477 (5,365,002) 2,065,475 2017 12 31 2,066,859 (1,189,630) 877,229 1,234,544 (1,001,671) 232,873 3,301,403 (2,191,301) 1,110,102 2018 中期報告 141

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (1) 2018 6 30 2017 12 31 (a) 55,328,134 519,234 (b) 203,280,452 (c) 11,602,969 10,954,799 648,170 72,444,185 165,780,616 78,743,066 270,211,555 317,487,101 142 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (1) (a) 2018 6 30 2017 12 31 (i) 6,556,131 519,234 (ii) 48,722,589 49,414 55,328,134 519,234 6,556,131 519,234 48,772,003 55,328,134 519,234 2018 中期報告 143

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (1) (a) (i) 2018 6 30 2017 12 31 414,985 289,411 4,120,477 2,020,669 90,014 139,809 6,556,131 519,234 (ii) 2018 6 30 2017 12 31 48,722,589 48,722,589 2018 6 30 144 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (1) (b) 2018 6 30 2017 12 31 51,755,955 34,311,185 5,203,525 48,826,373 17,205,300 42,299,060 5,471,410 205,072,808 (1,719,363) (29,839) (43,154) 203,280,452 156,949,819 46,330,633 203,280,452 2018 中期報告 145

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (1) (c) 2018 1 1 2018 2017 6 30 12 31 222,289 9,797,696 934,814 10,954,799 60,688 587,482 648,170 11,602,969 (i) 10,625,270 34,885 942,814 11,602,969 (i) 146 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (2) 2018 6 30 12 200,813,094 4,209,714 50,000 205,072,808 (1,719,363) (29,839) (43,154) (1,792,356) 199,093,731 4,179,875 6,846 203,280,452 11,538,989 63,980 11,602,969 210,632,720 4,243,855 6,846 214,883,421 (51,915) (468) (52,383) 2018 中期報告 147

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (3) 2018 6 30 12 2018 1 1 1,567,643 18,352 107,133 1,693,128 1 116 (5,116) (5,000) 2 (2,969) 13,234 10,265 (250,432) (290) (82,925) (333,647) 301,492 301,492 103,513 3,659 19,377 126,549 (431) (431) 2018 6 30 1,719,363 29,839 43,154 1,792,356 148 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (3) 2018 6 30 12 2018 1 1 40,093 40,093 2 (187) 348 161 (871) (871) 8,194 120 8,314 4,686 4,686 2018 6 30 51,915 468 52,383 2018 中期報告 149

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (4) 2018 2017 6 30 12 31 60,740 284,509 56,663 10,775,228 5,229,743 147,663,128 1,014,205 165,084,216 (1) 8,000 688,400 696,400 165,780,616 (2) 11,822,427 43,113 153,915,076 165,780,616 (1) (2) 150 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (5) 2018 6 30 2017 12 31 25,530,137 24,304,317 5,910,919 15,500,922 1,513,871 72,760,166 (285,981) (30,000) 72,444,185 2017 1 1 356,290 15,000 371,290 (70,309) 15,000 (55,309) 2017 12 31 285,981 30,000 315,981 2018 中期報告 151

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (6) 2018 2017 6 30 12 31 6,199,000 2,926,225 24,561,095 (1) 46,425,270 499,777 80,611,367 (1,837,449) (30,852) 78,743,066 (2) 33,195,319 45,547,747 78,743,066 (1) (2) 152 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 22. (6) 2017 1 1 1,387,102 1,387,102 450,347 30,852 481,199 2017 12 31 1,837,449 30,852 1,868,301 2018 中期報告 153

合併財務報表附註 ( 續 ) 2018 1 1 6 30 23. 2017 1 1 5,449,534 1,069,518 117,019 708,693 952,016 8,296,780 128,369 55,214 3,195 44,434 477,034 708,246 1,019,674 14,486 928 6,747 (1,041,835) (123,237) (123,237) (60,799) (72,813) (8,504) (14,585) (156,701) 2017 12 31 6,536,778 1,066,405 112,638 745,289 263,978 8,725,088 10,288 19,254 1,461 6,950 137,906 175,859 75,005 534 169 (75,708) (14,272) (14,272) (11,809) (12,797) (3,900) (2,306) (30,812) 2018 6 30 6,610,262 1,073,396 110,199 750,102 311,904 8,855,863 2017 1 1 (1,923,112) (684,652) (85,860) (404,675) (3,098,299) (489,965) (131,986) (10,644) (107,618) (740,213) 46,713 52,334 4,641 10,703 114,391 2017 12 31 (2,366,364) (764,304) (91,863) (501,590) (3,724,121) (235,786) (64,120) (4,870) (48,741) (353,517) 5,666 7,139 3,715 2,135 18,655 2018 6 30 (2,596,484) (821,285) (93,018) (548,196) (4,058,983) 2018 6 30 4,013,778 252,111 17,181 201,906 311,904 4,796,880 2017 12 31 4,170,414 302,101 20,775 243,699 263,978 5,000,967 2018 6 30 154 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 24. 2018 6 30 2017 12 31 440,129 440,129 2018 6 30 2017 12 31 25. 2018 6 30 2017 12 31 6,220,292 6,364,823 428,556 436,275 97,345 1,766 110,266 112,785 101,129 103,762 781,965 816,966 7,739,553 7,836,377 26. 2018 6 30 27,5002017 12 31 30,500 2018 中期報告 155

合併財務報表附註 ( 續 ) 2018 1 1 6 30 27. 2018 6 30 2017 12 31 35,178,316 65,263,981 3,814,247 20,223,837 38,992,563 85,487,818 28. 2018 6 30 2017 12 31 20,271,968 22,063,598 635,512 916,338 20,907,480 22,979,936 2018 6 30 2017 12 31 50043 156 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 29. 2018 6 30 2017 12 31 1,134,000 5,104,920 2,440,110 1,134,000 7,545,030 30. 2018 2017 6 30 12 31 140,760,572 121,315,195 109,558,516 107,609,106 30,248,252 26,540,309 342,356,595 307,206,545 (1) 7,089,220 9,417,851 82,065 95,250 630,095,220 572,184,256 2018 中期報告 157

合併財務報表附註 ( 續 ) 2018 1 1 6 30 30. (1) 2018 6 30 2017 12 31 4,308,914 5,927,440 968,625 956,221 305,266 530,509 504,409 498,355 1,002,006 1,505,326 7,089,220 9,417,851 31. 2018 2017 6 30 12 31 1,955,120 2,229,790 (1) 2,471,621 2,381,298 (2) 221,655 241,176 193,463 170,640 4,841,859 5,022,904 158 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 31. (1) 2018 6 30 2017 12 31 4.00% 4.25% 7.00% 7.00% 4.50% 4.50% 2010-2013 2018 中期報告 159

合併財務報表附註 ( 續 ) 2018 1 1 6 30 31. (1) 2018 6 30 2017 12 31 8,010 5,130 2,140 485,630 49,530 75,950 59,680 566,710 87,870 (243,710) 87,870 (243,710) 147,550 323,000 160 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 31. (1) 2018 6 30 2017 12 31 2,381,298 2,160,958 49,530 75,950 87,870 (243,710) 8,010 5,130 2,140 485,630 (57,227) (102,660) 2,471,621 2,381,298 (2) 2018 6 30 92017 6 30 0.49 292017 6 30 36 2018 中期報告 161

合併財務報表附註 ( 續 ) 2018 1 1 6 30 32. 2018 2017 6 30 12 31 (1) 92,396,599 94,901,345 (2) 11,998,481 9,000,000 104,395,080 103,901,345 (1) 2018 6 30 92,397 1 12 2017 12 31 94,901 1 12 (2) 2018 5 8 3,000 2016 12 7 4,000 2014 6 19 5,000 162 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 33. 2017 12 31 2,459,896 103,844 591,731 8,753 36,617 55,887 3,256,728 (207,091) 101,956 69,569 (35,566) 2018 1 1 2,252,805 103,844 591,731 110,709 106,186 55,887 3,221,162 1,092,889 (4,879) (63,423) (6,375) (370,616) (3,447) 644,149 21,967 19,146 (2,397) 38,716 2018 6 30 3,345,694 120,932 528,308 104,334 (245,284) 50,043 3,904,027 2017 1 1 2,020,716 192,234 517,766 6,473 (23,108) 67,627 2,781,708 439,180 (27,463) 73,965 2,280 5,428 (11,740) 481,650 (60,927) 54,297 (6,630) 2017 12 31 2,459,896 103,844 591,731 8,753 36,617 55,887 3,256,728 2018 中期報告 163

合併財務報表附註 ( 續 ) 2018 1 1 6 30 34. 2018 6 30 2017 12 31 3,981,810 4,647,804 5,356,403 5,408,023 569,465 564,105 476,961 312,599 85,886 51,395 451,671 35,012 10,922,196 11,018,938 35. 2017 12 31 10,000,000 10,000,000 2018 6 30 10,000,000 10,000,000 36. 164 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 37. 2017 1 1 70,959 (17,740) 53,219 (192,113) 48,028 (144,085) (25,076) 6,269 (18,807) 2017 12 31 (146,230) 36,557 (109,673) 95,825 (23,956) 71,869 2018 1 1 (50,405) 12,601 (37,804) (78,281) 19,570 (58,711) 1,698 (424) 1,274 9,587 (2,397) 7,190 2018 6 30 (117,401) 29,350 (88,051) 2018 中期報告 165

合併財務報表附註 ( 續 ) 2018 1 1 6 30 38. 10% 50% 39. [2012]20 1.5% 2018 6 30 1,3512017 6 301,252 166 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 40. 2018 6 30 2017 12 31 3,161,064 3,273,111 20,347,546 8,946,135 8,175,094 8,364,149 4,786,481 25,581,530 12,999,157 2,443,685 49,469,342 48,608,610 41. 2018 中期報告 167

合併財務報表附註 ( 續 ) 2018 1 1 6 30 41. 10% 168 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 41. 2018 1 1 6 30 5,689,941 4,165,811 9,025,263 18,881,015 18,881,015 (916,735) (4,009,714) (5,002,911) (9,929,360) (9,929,360) (1,230,171) 4,126,912 (2,896,741) 3,543,035 4,283,009 1,125,611 8,951,655 8,951,655 323,131 509,086 330,674 1,162,891 1,162,891 (7,427) (25,722) (15,410) (48,559) (48,559) 315,704 483,364 315,264 1,114,332 1,114,332 3,034,913 3,034,913 3,034,913 5,558 4,069 143,873 153,500 7,064 160,564 3,864,297 4,770,442 4,619,661 13,254,400 7,064 13,261,464 (1,339,369) (1,507,115) (1,001,510) (3,847,994) (3,847,994) (2,433,750) (540,897) (105,853) (3,080,500) (3,080,500) (1,698) (1,698) (1,698) 2,694 2,694 2,694 91,178 2,722,430 3,513,294 6,326,902 7,064 6,333,966 (1,447,368) 4,886,598 132,353 148,930 98,967 380,250 380,250 59,475 66,925 44,472 170,872 170,872 2018 6 30 223,473,007 120,962,501 555,051,591 899,487,099 9,150,315 908,637,414 183,637,111 454,438,621 200,659,271 838,735,003 2,060,498 840,795,501 30,903,836 1,945,784 32,849,620 32,849,620 2018 中期報告 169

合併財務報表附註 ( 續 ) 2018 1 1 6 30 41. 2017 1 1 6 30 5,320,875 3,371,298 9,667,770 18,359,943 18,359,943 (683,782) (3,746,094) (3,659,164) (8,089,040) (8,089,040) (1,224,790) 3,716,340 (2,491,550) 3,412,303 3,341,544 3,517,056 10,270,903 10,270,903 347,045 432,380 423,038 1,202,463 1,202,463 (3,478) (28,404) (15,374) (47,256) (47,256) 343,567 403,976 407,664 1,155,207 1,155,207 23,186 23,186 23,186 (31,355) 5,593 16,039 (9,723) 5,443 (4,280) 3,724,515 3,751,113 3,963,945 11,439,573 5,443 11,445,016 (1,293,901) (1,399,888) (993,022) (3,686,811) (3,686,811) (1,069,605) (182,060) (361,353) (1,613,018) (1,613,018) 68 68 68 13 13 13 1,361,009 2,169,165 2,609,651 6,139,825 5,443 6,145,268 (1,511,179) 4,634,089 130,355 141,033 100,043 371,431 371,431 103,935 112,448 79,766 296,149 296,149 2017 12 31 217,486,656 104,576,658 575,007,504 897,070,818 8,707,262 905,778,080 163,228,104 419,497,796 255,718,680 838,444,580 2,087,815 840,532,395 22,522,570 11,169,073 33,691,643 33,691,643 170 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 41. 42. (1) (%) 2018 2017 6 30 12 31 9.98 9.98 7.87 7.87 5.89 5.89 5.70 5.70 4.43 4.43 3.00 3.00 2.00 2.00 1.50 1.50 5%5% 5% 1212 2018 中期報告 171

合併財務報表附註 ( 續 ) 2018 1 1 6 30 42. (2) 2018 6 30 6 30 6 30 2018 2017 2018 2017 219,578 232,669 11,067 7,673 276,064 124,619 7,507 17,982 495,642 357,288 18,574 25,655 2018 2017 2018 2017 6 30 12 31 6 30 12 31 7,912,160 8,120,990 2,097,657 1,887,122 7,789,542 5,214,902 3,926,923 2,285,419 15,701,702 13,335,892 6,024,580 4,172,541 172 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 42. (2) 2018 2017 2018 2017 6 30 12 31 6 30 12 31 11,279 12,623 692 733 9,952 7,973 4,401 3,247 21,231 20,596 5,093 3,980 2018 6 30 2017 12 31 8,622,618 6,878,774 2018 中期報告 173

合併財務報表附註 ( 續 ) 2018 1 1 6 30 42. (3) 2018 6 302017 2018 6 30 1102017 12 31 90 6022017 12 31 723 4,1102017 12 31 3,840 2018 6 30114 2017 6 30 90 0.92017 6 30 2 174 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 42. (4) 6 30 2018 2017 1,140 1,378 378 349 1,518 1,727 2018 6 30 2018 6 30 2018 6 30 2018 中期報告 175

合併財務報表附註 ( 續 ) 2018 1 1 6 30 43. (1) 2018 6 30 2017 12 31 87,900107,187 2018 6 30 4952017 6 30 574 2018 6 30 2017 12 31 500 2018 6 302017 2018 6 30 2017 176 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 43. (2) 2018 6 30 2017 12 31 2018 6 30 48,722,589 24,554 2,051,932 40,286,980 3,755 48,747,143 3,755 42,338,912 2017 12 31 147,663,128 108,546 19,740 2,461,210 3,676 46,316,724 147,686,544 2,461,210 46,425,270 2018 中期報告 177

合併財務報表附註 ( 續 ) 2018 1 1 6 30 43. (2) (3) 2018 6 30 2018 6 30 2,5102017 12 31 44. 2018 6 30 5.742017 12 31 7.09 2018 6 30 2017 12 31 478,495 335,916 178 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 44. 2018 6 30 2017 12 31 11,160,838 14,502,293 12,090,446 11,169,073 7,652,551 6,479,329 1,945,785 1,540,948 32,849,620 33,691,643 2018 6 30 2017 12 31 16,256,857 16,033,337 0% 100% 2018 中期報告 179

合併財務報表附註 ( 續 ) 2018 1 1 6 30 44. 2018 6 30 2017 12 31 78,582 78,608 50,777 50,254 24,341 28,661 13,441 15,555 7,313 8,703 3,293 32,686 177,747 214,467 1 15 2018 6 30 47 2017 6 30 45 180 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 44. 2018 6 30 2017 12 31 44,371,430 43,253,732 2,449,291 44,371,430 45,703,023 2018 6 30 2017 12 31 2018 中期報告 181

合併財務報表附註 ( 續 ) 2018 1 1 6 30 45. (1) 2018 6 30 1,2522017 12 31 5,320 0 2017 12 31 2,449 2018 6 30 1,1342017 12 31 7,545 29 (2) 2018 6 30 2017 12 31 2,8011,764 182 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 45. (3) 2018 6 30 1,910 2018 6 30 602017 12 31 90 (4) 2018 6 30 4352017 12 31 (5) 2018 6 30 4,2502017 12 31 2018 中期報告 183

合併財務報表附註 ( 續 ) 2018 1 1 6 30 46. IFRS9 IFRS9 (1) (2) 2018 6 30 2017 12 31 184 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 46. (3) 12 2018 中期報告 185

合併財務報表附註 ( 續 ) 2018 1 1 6 30 46. (3) 30 D 90 186 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 46. (3) 12 (PD) (EAD) (LGD) 12 LGD 12 GDP CPI PPI 2018 中期報告 187

合併財務報表附註 ( 續 ) 2018 1 1 6 30 47. 188 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 47. 2018 6 30 2017 12 31 2018 6 30 414,985 414,985 4,095,923 24,554 4,120,477 2,020,669 2,020,669 48,722,589 48,722,589 49,414 49,414 52,688 8,000 60,688 587,482 587,482 9,797,696 9,797,696 222,289 222,289 934,814 934,814 13,816,860 13,816,860 192,512 192,512 299,747 299,747 2018 中期報告 189

合併財務報表附註 ( 續 ) 2018 1 1 6 30 47. 2017 12 31 289,411 289,411 90,014 90,014 139,809 139,809 66,472 66,472 621,928 621,928 60,740 60,740 284,509 284,509 10,775,228 10,775,228 56,663 56,663 5,229,743 5,229,743 147,663,128 147,663,128 1,014,205 1,014,205 169,629 169,629 176,589 176,589 2018 6 302017 190 重慶農村商業銀行

合併財務報表附註 ( 續 ) 2018 1 1 6 30 47. 2018 6 30 2018 1 1 145,680,260 787,252 10,020,878 1,501,110 46,562 21,679 27,800,000 109,000 16,588,493 (126,184,813) (12,814,190) 2018 6 30 48,796,557 942,814 13,816,860 2017 2017 1 1 1,009,400 88,418,660 266,728,710 (1,009,400) (201,240,294) 2017 12 31 153,907,076 2018 中期報告 191

合併財務報表附註 ( 續 ) 2018 1 1 6 30 47. 2018 6 30 2017 12 31 203,280,452 204,080,369 72,444,185 71,329,422 78,743,066 78,716,482 203,280,452 204,080,369 151,187,251 150,045,904 104,395,080 100,820,393 103,901,345 100,129,828 104,395,080 100,820,393 103,901,345 100,129,828 48. 192 重慶農村商業銀行

未經審計補充財務資料 2018 1 1 6 30 ( ) 2018 6 30 2017 12 31 49.68 44.14 2018 6 30 2017 12 31 237.89 180.04 2018 中期報告 193

未經審計補充財務資料 ( 續 ) 2018 1 1 6 30 ( ) 2018 6 30 8,808.7 100.6 588.1 9,497.4 (5,389.4) (193.9) (17.7) (5,601.0) 4,126.5 4,126.5 (7,118.0) (535.6) (7,653.6) 427.8 (93.3) 34.8 369.3 2017 12 31 6,597.8 94.3 143.6 6,835.7 (5,958.1) (198.4) (102.8) (6,259.3) 3,091.8 3,091.8 (3,353.2) (3,353.2) 378.3 (104.1) 40.8 315.0 194 重慶農村商業銀行

未經審計補充財務資料 ( 續 ) 2018 1 1 6 30 ( ) 10% 2018 6 30 7,064.5 2,059.4 9,123.9 86.1 86.1 308.7 308.7 62.5 62.5 7,435.7 2,059.4 9,495.1 2017 12 31 3,302.3 2,684.0 5,986.3 194.6 194.6 554.3 554.3 135.3 135.3 3,991.9 2,684.0 6,675.9 2018 中期報告 195

未經審計補充財務資料 ( 續 ) 2018 1 1 6 30 ( ) 2018 6 30 2017 6 30 (1) (1) 2,038.0 6,913.7 8,951.7 1,994.9 8,276.0 10,270.9 498.0 616.3 1,114.3 486.5 668.7 1,155.2 3,034.9 3,034.9 23.2 23.2 25.8 134.8 160.6 34.9 (39.2) (4.3) 2,561.8 10,699.7 13,261.5 2,516.3 8,928.7 11,445.0 3,772.7 (3,772.7) 3,085.9 (3,085.9) 6,334.5 6,927.0 13,261.5 5,602.2 5,842.8 11,445.0 (1) 196 重慶農村商業銀行