Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcement. BANK OF CHONGQING CO., LTD.* 重慶銀行股份有限公司* (A joint stock company incorporated in the People’s Republic of China with limited liability) (Stock Code of H Shares: 1963) (Stock Code of Preference Shares: 4616) ANNOUNCEMENT OF INTERIM RESULTS FOR THE SIX MONTHS ENDED JUNE 30, 2021 The board of directors (the “Board”) of Bank of Chongqing Co., Ltd.* (the “Bank”) is pleased to announce the unaudited interim results of the Bank and its subsidiaries for the six months ended June 30, 2021. This announcement, containing the full text of the 2021 Interim Report of the Bank, complies with the relevant requirements of the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited in relation to information to accompany preliminary announcement of interim results. Printed version of the Bank’s 2021 Interim Report will in due course be dispatched to the H Shareholders of the Bank and available for viewing on the websites of the Bank (www.cqcbank.com) and The Stock Exchange of Hong Kong Limited (www.hkexnews.hk). Publication of Results Announcement Both the Chinese and English versions of this results announcement are available on the websites of the Bank (www.cqcbank.com) and The Stock Exchange of Hong Kong Limited (www.hkexnews.hk). In the event of any discrepancies in interpretations between the Chinese version and English version, the Chinese version shall prevail. 1 The Bank has also prepared the 2021 Interim Report in Chinese in accordance with the PRC Generally Accepted Accounting Principles, which is available on the websites of the Bank (www.cqcbank.com) and the Shanghai Stock Exchange (www.sse.com.cn). For and on behalf the Board Bank of Chongqing Co., Ltd.* LIN Jun Chairman Chongqing, the PRC, August 30, 2021 As at the date of this announcement, the executive directors of the Bank are Ms. LIN Jun, Mr. RAN Hailing, Mr. LIU Jianhua and Mr. WONG Wah Sing; the non-executive directors of the Bank are Mr. WONG Hon Hing, Mr. YANG Yusong, Mr. WU Heng and Ms. LIU Ying; and the independent non-executive directors of the Bank are Dr. LIU Xing, Mr. WANG Rong, Dr. ZOU Hong, Dr. FUNG Don Hau and Mr. YUAN Xiaobin. * The Bank holds a financial licence number B0206H250000001 approved by the regulatory authority of the banking industry of the PRC and was authorised by the Administration for Market Regulation of Chongqing to obtain a corporate legal person business licence with a unified social credit code 91500000202869177Y. The Bank is not an authorised institution within the meaning of Hong Kong Banking Ordinance (Chapter 155 of the Laws of Hong Kong), not subject to the supervision of the Hong Kong Monetary Authority, and not authorised to carry on banking and/or deposit-taking business in Hong Kong. 2 CONTENTS 1. Important Notice 2 2. Definitions 3 3. Company Profile 5 4. Financial Highlights 8 5. Management Discussions and Analysis 11 5.1 Overview 11 5.2 Analysis of the Financial Statements 12 5.3 Loan quality analysis 29 5.4 Operating Results by Segment 35 5.5 Other Information to be Disclosed 36 according to Regulatory Requirements 5.6 Business Overview 37 5.7 Risk Management 49 5.8 Capital Management 55 5.9 Environment and Outlook 59 6. Significant Events 61 7. Change in Share Capital and Shareholders 89 8. Securities Issuance and Listing 105 9. Directors, Supervisors, Senior 107 Management, Employees and Branch Outlets 10. Social Responsibility 113 11. Corporate Governance Report 118 12. Financial Report 121 13. Organizational Chart 223 14. List of Branch Outlets 224 Important Notice (1) The Board of Directors, the Board of Supervisors and each Director, Supervisor and member of senior management of the Bank warrant that the contents in this interim report are true, accurate and complete and contain no false representations, misleading statements or material omissions, and they will take legal responsibilities for such contents on a joint and several basis. (2) The 33rd meeting of the sixth session of the Board of the Bank was held on 30 August 2021 in the form of onsite (video) conference. Chairman LIN Jun presided over the meeting. 13 Directors were eligible to attend the meeting, among which 13 Directors attended the meeting. Supervisors and members of senior management of the Bank also attended the meeting. The convening of the meeting complied with relevant provisions of the Company Law of the People’s Republic of China and the Articles of Association of Bank of Chongqing Co., Ltd. (3) The Bank will not make any profit distribution or convert any capital reserve into share capital for the interim period of 2021. (4) The Bank’s 2021 interim financial report is unaudited. (5) Unless otherwise stated, all monetary sums stated in this report are expressed in RMB. (6) LIN Jun (Chairman of the Bank), RAN Hailing (President of the Bank), YANG Shiyin (Vice President in charge of Finance) and YANG Kun (Head of Finance Department) warrant that the financial report in the half-year report is true, accurate and complete. (7) This report may contain forward-looking statements about matters such as future plans of the Bank. These statements are made on the basis of current plans, estimates and forecasts. The Group believes that the expectations reflected in these forward-looking statements are reasonable, but the Group cannot guarantee that these expectations can be realized or will be proved to be correct, so they shall not constitute substantive commitments of the Group. Investors shall not overly rely on such statements and shall maintain sufficient risk awareness in this regard. Please be aware that these forward-looking statements are related to future events or the Group’s future financial, business or other performance and are subject to numerous uncertainties that may lead to significant differences in the actual results. (8) Warning of material risks: For the material risks to which the Group are exposed and proposed measures, please see the section headed “Management Discussions and Analysis – Risk Management” in this report. 2 Bank of Chongqing Co., Ltd. Definitions In this report, unless the context otherwise requires, the following terms shall have the meanings set forth below: “Articles of Association” the articles of association of Bank of Chongqing Co., Ltd. “Bank” or “Bank of Chongqing” Bank of Chongqing Co., Ltd. “Group” Bank of Chongqing Co., Ltd. and its controlled subsidiary “CBRC” former China Banking Regulatory Commission (中國銀行業監督管理 委員會) “CBIRC” China Banking and Insurance Regulatory Commission (中國銀行保險 監督管理委員會) “CSRC” China Securities Regulatory Commission (中國證券監督管理委員會) “CBRC Chongqing Bureau” former China Banking Regulatory Commission Chongqing Bureau (中國銀行業監督管理委員會重慶監管局) “Chongqing CBIRC” China Banking and Insurance Regulatory Commission Chongqing Bureau (中國銀行保險監督管理委員會重慶監管局) “Chongqing Yufu” Chongqing Yufu Capital Operation Group Co., Ltd. “Dah Sing Bank” Dah Sing Bank, Limited “Xinyu Financial Leasing” Chongqing Xinyu Financial Leasing Co., Ltd. “Xingyi Wanfeng” Xingyi Wanfeng Village Bank Co., Ltd. “Mashang Consumer” Mashang Consumer Finance Co., Ltd. “Three Gorges Bank” Chongqing Three Gorges Bank Co., Ltd. “Hong Kong Stock Exchange” The Stock Exchange of Hong Kong Limited “IFRS(s)” International Financial Reporting Standard(s) Interim Report 2021 3 Definitions “Hong Kong Listing Rules” the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited “Listing Rules” the Rules Governing the Listing of Stocks on the Shanghai Stock Exchange and the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited “PBOC” or “Central Bank” People’s Bank of China (中國人民銀行) “Reporting Period” the half year ended 30 June 2021 “SFO” Securities and Futures Ordinance (Chapter 571 of the laws of Hong Kong) 4 Bank of Chongqing Co., Ltd. Company Profile 3.1 Corporate Information 3.1.1 Legal Name and Abbreviation in Chinese: 重慶銀行股份有限公司 (Abbreviation: 重慶銀行) Name in English: Bank of Chongqing Co., Ltd. 3.1.2 Legal Representative: LIN Jun Authorized Representatives: LIN Jun WONG Wah Sing Secretary to the Board: PENG Yanxi Company Secretary: HO Wing Tsz Wendy Securities Affairs Representative1: LIU Songtao 3.1.3 Registered Address and Office Address: No. 6 Yongpingmen Street, Jiangbei District, Chongqing, the PRC Principal Place of Business in Hong Kong: Level 54, Hopewell Centre, 183 Queen’s Road East, Hong Kong 3.1.4 Correspondence Address: No. 6 Yongpingmen Street, Jiangbei District, Chongqing, the PRC Postal Code: 400024 Tel: +86(23)63367688 Fax: +86(23)63799024 E-mail: [email protected] Website: http://www.cqcbank.com Customer Service Hotline: 956023 3.1.5 General Information on the Listing of Shares: A Shares: Listing Exchange: Shanghai Stock Exchange Stock Name: BCQ Stock Code: 601963 H Shares: Listing Exchange: The Stock Exchange of Hong Kong Limited Stock Name: BCQ Stock Code: 01963 Offshore Preference Shares: Listing Exchange: The Stock Exchange of Hong Kong Limited Stock Name: BCQ 17USDPREF Stock Code: 4616 1 The Board of Directors has appointed Mr. LIU Songtao as the Securities Affairs Representative of the Bank. The appointment of Mr. LIU Songtao will take effect only after he obtains a qualification certificate as the Secretary to the Board issued by the Shanghai Stock Exchange. Interim Report 2021 5 Company Profile 3.1.6 Domestic Auditor: Ernst & Young Hua Ming LLP (Special General Partnership) Office Address: Room 01-12, 17/F, EYHM Tower, Oriental Plaza, No. 1 East Chang’an Avenue, Dongcheng District, Beijing International Auditor: Ernst & Young Office Address: 27th Floor, One Taikoo Place, 979 King’s Road, Quarry Bay, Hong Kong 3.1.7 Legal Advisor as to PRC Laws: JunHe LLP Legal Advisor as to Hong Kong Laws: Sullivan & Cromwell (Hong Kong) LLP 3.1.8 A Share Registrar: China Securities Depository and Clearing Corporation Limited Shanghai Branch Address: No.