截至2024年末，泸州银行小微贷款余额为584.34亿元，小微客户数量8334户，其中普惠小微贷款余额为 129.71亿元，户数8047户，户均贷款161.19万元。 金融是国民经济的血脉，是国家核心竞争力的重要组成部分。党的二十届三中全会指出，在发展中保障 和改善民生是中国式现代化的重大任务。做好金融"五篇大文章"是金融服务实体经济高质量发展的重要 着力点，也是深化金融供给侧结构性改革的重要内容。 在时代的金融浪潮中，泸州银行勇立潮头，紧紧围绕国家发展战略，以创新为笔、以服务为墨，积极践 行金融为民、金融利民、金融惠民、金融便民，立足成渝双城经济圈，聚焦泸州新时代区域中心城市建 设，全力推动金融服务实体经济的深度与广度，为地方经济发展和社会民生改善注入源源不断的动力。 一、科技与数字：点燃金融创新引擎，驱动未来发展 泸州银行始终将金融产品创新与服务模式变革作为创新发展的两大核心动力，不断拓展金融服务的方式 和内涵。从面向专精特新企业、小微企业的特色信贷产品，到服务个人客户的个性化理财方案，泸州银 行持续推出贴合市场需求的多样化金融产品，不断丰富金融产品体系。 同时，通过数字化转型提升服务质效，积极探索线上线 ...

泸州银行股份有限公司* Luzhou Bank Co., Ltd.* （於中華人民共和國註冊成立的股份有限公司） 股份代號：1983 (A joint stock company incorporated in the People's Republic of China with limited liability) Stock Code: 1983 一、 公司概況 * Luzhou Bank Co., Ltd. is not an authorised institution within the meaning of the 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/deposit-taking business in Hong Kong. 目錄 | 公司簡介 | 2 | | --- | --- | | 會計數據及財務指 ...

泸州银行2024年营收、利润双增长！资产质量持续提升，助力 当地经济高质量发展 3月26日晚间，泸州银行（01983.HK）的2024年年度报告，展现了稳健的增长态势。截至2024年末，该行资产总额达 1710亿元，同比增长8.48%，营业收入增长至52.09亿元，实现净利润12.76亿元，连续两年增速超20%。最近两年数据显示， 泸州银行的净利差由2.69%提升至2.71%，净利息收益率由2.39%提升至2.49%，盈利能力持续增强。此外，泸州银行的不良贷 款率降至1.19%，优于行业平均水平；拨备覆盖率提升至435.19%，资本充足水平稳步提升。 连续两年净利润超20%增长，不良贷款率降至1.19% 2024年以来，泸州银行坚持稳中求进的工作总基调，坚守金融为民的初心，全力以赴攻坚克难，扎实推进各项经营管理 工作。 在资产质量管理方面，截至2024年底，泸州银行不良贷款率降至1.19%，同比下降0.16个百分点，且低于全国城商行平均 值0.57个百分点，达到了近五年来的最好水平。泸州银行的拨备覆盖率由372.42%提升至435.19%，资金安全垫脚石更加坚 实。 此外，泸州银行在品牌影响力方面也取得明显成 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告內容概不負責，對其準確性或 完整性亦不發表任何聲明，並明確表示，概不會就本公告全部或任何部分內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：1983） 2024年度業績公告 瀘州銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈本行截至2024年12 月31日止年度之經審計的綜合年度業績。本業績公告列載本行2024年度報告全 文，並符合香港聯合交易所有限公司證券上市規則中有關年度業績初步公告附載 的資料之要求。 本行2024年年度報告將於適當時候可在香港交易及結算所有限公司披露易網站 www.hkexnews.hk 及本行網站www.lzccb.cn 閱覽。 承董事會命 瀘州銀行股份有限公司* 董事長 游江 中國瀘州，2025年3月26日 截至本公告日期，董事會成員包括執行董事游江先生及劉仕榮先生；非執行董事 潘麗娜女士、熊國銘先生、羅火明先生及陳萍女士；以及獨立非執行董事鍾錦先 生、高晉康先生、程如龍先生及韓子榮先生。 * 瀘州銀行股份有限公司並非香港法例第155章《銀行業條例》 ...

泸州银行股份有限公司 ㄴｖｚｒｏｕ в ＾ ゜ 泸州银行股份有限公司* Luzhou Bank Co., Ltd.* （於中華人民共和國註冊成立的股份有限公司） 股份代號：1983 (A joint stock company incorporated in the People's Republic of China with limited liability) Stock Code: 1983 2024 中期報告 INTERIM REPORT * 瀘州银行股份有限公司並非香港法例第155章《銀行業條例》所指認可機構，不受香港金融管理局的監督，亦不獲授權 在香港經營銀行╱接受存款業務。 * Luzhou Bank Co., Ltd. is not an authorized institution within the meaning of the Banking Ordinance (Chapter 155 of the Laws of Hong Kong), not subject to the supervision of the Hong Kong Monetary Authority, and ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告內容概不負責，對其準確性或 完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：1983） 截至2024年6月30日止六個月之中期業績公告 瀘州銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈本行截至2024年6月 30日止六個月之未經審計中期業績。本中期業績公告列載本行2024年中期報告全 文，並符合香港聯合交易所有限公司證券上市規則中有關中期業績初步公告附載 的資料之要求。 本行2024年中期報告將於適當時候可在香港交易及結算所有限公司披露易網站 www.hkexnews.hk 及本行網站www.lzccb.cn 閱覽。 | --- | --- | --- | --- | --- | |-------|-------|-------|-------|-------------------------------| | | | | | 承董事會命 | | | | | | 瀘州銀行股份有限公司 * 董事長 | | | | ...

Financial Performance - Total assets of Luzhou Bank reached RMB 157.636 billion, with total customer loans at RMB 93.039 billion and total customer deposits at RMB 117.625 billion[5]. - Net interest income decreased by 5.21% to RMB 3,088.261 million compared to RMB 3,258.171 million in 2022[9]. - Operating income increased by 22.25% to RMB 4,770.347 million from RMB 3,901.997 million in the previous year[9]. - Net profit attributable to shareholders rose by 23.12% to RMB 994.237 million, up from RMB 807.529 million in 2022[9]. - Basic earnings per share improved to RMB 0.33, up from RMB 0.26 in the previous year[8]. - Operating income and net profit growth exceeded asset, deposit, and loan growth by over 10 percentage points[14]. - In 2023, the company's pre-tax profit reached RMB 1.25 billion, an increase of RMB 236 million, representing a growth of 23.29% compared to the previous year[21]. - The net profit for 2023 was RMB 994.24 million, up by RMB 187 million, with a growth rate of 23.12% year-on-year[21]. - Total operating income for 2023 was RMB 4.77 billion, an increase of RMB 868 million, reflecting a growth of 22.25% compared to 2022[23]. Asset and Liability Management - Total assets increased by 6.06% year-on-year to RMB 157.64 billion in 2023[10]. - Total liabilities increased by 5.98% year-on-year to RMB 146.71 billion[10]. - Customer deposits grew by 7.47% year-on-year to RMB 117.62 billion[10]. - The total amount of customer loans was RMB 93.04 billion, an increase of RMB 9.86 billion, representing a growth of 11.85% year-on-year[50]. - The net amount of customer loans was RMB 88.47 billion, an increase of RMB 8.47 billion, reflecting a growth of 10.58% compared to the previous year[50]. - The total investment value as of the end of December 2023 was RMB 51.55 billion, an increase of RMB 3.02 billion or 6.22% compared to the end of 2022[55]. Credit Quality and Risk Management - The bank's expected credit losses and other asset impairment losses increased by 36.74% to RMB 1,799.374 million compared to RMB 1,315.882 million in 2022[9]. - Non-performing loan ratio decreased to 1.35%, the best level in four years[10]. - Provision coverage ratio increased significantly by 115.49 percentage points to 372.42%[10]. - The total amount of overdue loans was RMB 1.34 billion, a decrease of RMB 236 million from the end of the previous year, with an overdue loan ratio of 1.45%[84]. - The bank's loan loss provisions measured at amortized cost increased to RMB 4.57 billion at year-end 2023, up RMB 1.39 billion from the previous year, representing a growth rate of 43.72%[86]. - The bank's non-performing loans management included exploring multiple channels for asset resolution, such as debt transfer[87]. Income Sources - The proportion of net interest income in total operating income decreased to 64.74%, down by 18.76 percentage points from the previous year[23]. - Non-interest income for 2023 was RMB 1.68 billion, accounting for 35.26% of total operating income[23]. - The bank's income from wealth management fees was RMB 127.21 million, an increase of RMB 24.84 million, representing a growth of 24.26% year-on-year[42]. - The bank's financial investment net income was RMB 354.06 million, an increase of RMB 219.76 million, representing a growth of 163.52% year-on-year[44]. - Non-interest income surged to RMB 1,682.09 million, an increase of RMB 1,038.38 million or 161.26% compared to the previous year[40]. Governance and Management - The company appointed new non-executive directors and independent non-executive directors on March 13, 2023, enhancing its governance structure[155]. - The company has maintained a consistent leadership structure with no significant changes in the supervisory board members[156]. - The company continues to focus on enhancing its governance and management capabilities through strategic appointments and stability in leadership[156]. - The company has established a governance structure consisting of the shareholders' meeting, board of directors, supervisory board, and senior management[190]. - The company has committed to maintaining high standards of corporate governance and adhering to best practices[199]. Market Position and Recognition - The bank ranked 17th in the "GYROSCOPE" evaluation system for urban commercial banks, with a competitiveness ranking of 4th[7]. - Luzhou Bank was awarded the "Pioneer Bank in Inclusive Finance" in the 21st China Economic Wind and Cloud List[7]. - The bank operates 39 business outlets across its branches in Chengdu, Meishan, and Suining[5]. Employee and Workforce - The total number of employees at Luzhou Bank is 1,445, with an average age of 34.53 years[183]. - Employees aged 20 to 30 years account for 31.83% of the workforce, while those aged 30 to 40 years make up 46.09%[183]. - Employees with a master's degree or higher total 276, representing 19.10% of the workforce[184]. - The gender distribution shows 43.53% male employees and 56.47% female employees, indicating a balanced gender ratio[185]. - A total of 407 internal and external training sessions were conducted, with approximately 18,200 participants[186].

Financial Performance - Net interest income for 2023 was RMB 3,088,261 thousand, a decrease of 5.21% compared to RMB 3,258,171 thousand in 2022[11]. - Total operating income increased by 22.25% to RMB 4,770,347 thousand in 2023 from RMB 3,901,997 thousand in 2022[11]. - Net profit attributable to shareholders reached RMB 994,237 thousand, reflecting a growth of 23.12% year-over-year[11]. - Total operating income for 2023 was RMB 4.77 billion, an increase of RMB 868 million, reflecting a growth of 22.25% from the previous year[32]. - In 2023, the company reported a pre-tax profit of RMB 1.25 billion, an increase of RMB 236 million, representing a growth of 23.29% compared to the previous year[30]. - Non-interest income for 2023 was RMB 1.68 billion, accounting for 35.26% of total operating income, indicating a shift towards diversified income sources[32]. - The bank's average return on total assets was 0.65%, up 0.08 percentage points, while the average return on equity was 9.36%, up 1.23 percentage points[19]. - The bank's total operating expenses for 2023 amounted to RMB 1,722,652,000, an increase of RMB 147,469,000 or 9.36% compared to RMB 1,575,183,000 in 2022[56]. Asset and Liability Management - Total assets of Luzhou Bank reached RMB 157.636 billion as of December 31, 2023[6]. - Total customer loans amounted to RMB 93.039 billion, while total customer deposits were RMB 117.625 billion[6]. - Total liabilities reached RMB 146.71 billion as of December 31, 2023, an increase of RMB 8.28 billion or 5.98% compared to the previous year[77]. - Customer deposits amounted to RMB 117.62 billion, growing by RMB 8.18 billion or 7.47% year-over-year, representing 80.17% of total liabilities[79]. - The bank's equity increased to RMB 10.93 billion, up RMB 0.73 billion or 7.17% compared to the previous year[83]. - The bank's total loans reached RMB 92.46 billion, an increase of 11.63% from the previous year, with non-performing loans totaling RMB 1.25 billion, a decrease of RMB 0.23 billion[88]. - The bank's total financial investments at amortized cost amounted to RMB 14.79 billion, a slight decrease from RMB 15.34 billion in the previous year[76]. Loan and Credit Quality - The non-performing loan ratio improved to 1.35% in 2023, down from 1.53% in 2022[11]. - The quality of new loans significantly improved, achieving the best non-performing loan ratio in four years[14]. - The provision coverage ratio reached 372.42%, an increase of 115.49 percentage points year-on-year, enhancing risk resistance capability[21]. - The bank's non-performing loans totaled RMB 1,244,540 thousand, with the majority (84.72%) concentrated in the leasing and business services, real estate, and construction industries[90]. - The proportion of normal loans increased to 97.37% in 2023 from 96.65% in 2022, while non-performing loans decreased slightly to 1.35% from 1.53%[89]. - The bank's credit risk management has improved, as evidenced by the decrease in the proportion of substandard loans to 0.37% from 1.38% year-on-year[89]. Capital Management - The capital adequacy ratio decreased slightly to 12.74% in 2023 from 13.01% in 2022[12]. - The Tier 1 capital adequacy ratio was 9.61%, down 0.11 percentage points year-on-year, and above regulatory requirements by 1.11 percentage points[108]. - The core Tier 1 capital adequacy ratio increased to 8.12%, up 0.02 percentage points from the previous year, exceeding regulatory requirements by 0.62 percentage points[108]. - The bank adheres to regulatory capital requirements and conducts regular internal capital assessments to ensure adequate capital levels[106]. - The bank's capital management strategy aims to enhance capital risk resistance and return on capital while meeting regulatory requirements[106]. Risk Management - The bank has strengthened credit risk management by optimizing credit structure and enhancing credit approval processes[110]. - The bank's non-performing asset management measures include early intervention and tailored risk resolution plans for overdue loans[103]. - The bank is focusing on post-loan risk management to prevent credit risks and improve asset quality monitoring[112]. - The bank has implemented a comprehensive operational risk management strategy, including internal control improvements and compliance culture promotion[113]. - The bank's liquidity ratio reached 80.14%, exceeding the regulatory requirement by 55.14 percentage points[125]. Shareholder Structure - The bank's total share capital remained unchanged at 2,717,752,062 shares throughout the reporting period[163]. - The top shareholder, Luzhou Laojiao Group Co., Ltd., holds 14.37% of the bank's shares, totaling 390,528,000 shares[167]. - Luzhou Bank reported significant shareholder structures, with major shareholders holding over 5% of the shares or having substantial influence on management decisions[176]. - The report indicates that there are no other known individuals with significant shareholdings as of December 31, 2023, apart from directors and senior management[174]. - The company has established a unified action agreement regarding shareholdings with Luzhou Laojiao Group Co., Ltd. and Luzhou Xinglu Investment Group Co., Ltd. until May 31, 2024[5]. Business Development and Strategy - The company plans to focus on high-quality development and business transformation in 2024, optimizing asset structure and enhancing credit risk management[28]. - The bank is committed to deepening reforms and enhancing internal controls and risk management to ensure sustainable and stable operations[28]. - The bank is focused on enhancing its operational efficiency and expanding its market presence through strategic initiatives[198]. - The bank's strategic direction includes exploring new business opportunities and potential partnerships to drive growth[198]. - The company is actively enhancing its environmental and social risk management strategies in line with national carbon neutrality goals[131].

智通财经APP讯，泸州银行(01983)公布，鉴于抵债资产处置有利于减少低效资产对资本的占用，优化资 产结构，加快资产周转速度，该行计划出售该抵债资产。该行已完成公开挂牌竞价程序，由涪发集团以 成交价人民币5.815亿元投得抵债资产。于2023年12月27日，该行(作为卖方)与涪发集团(作为买方)签订 资产转让协议，据此，在资产转让协议所载的条款及条件规限下，涪发集团同意以代价人民币5.815亿 元购买抵债资产。该行预计将就出售事项确认收益约人民币2.93亿元。 据悉，抵债资产为商业物业，位于中国重庆市涪陵区兴华中路泽胜中央广场B馆，建筑面积为83,862.55 平方米。于签订资产转让协议日期，抵债资产为该行所全资拥有。 ...

泸州银行股份有限公司 Luz ዘ80元股份复限公司 泸州银行股份有限公司* Luzhou Bank Co., Ltd.* （於中華人民共和國註冊成立的股份有限公司） 股份代號：1983 (A joint stock company incorporated in the People's Republic of China with limited liability) Stock Code: 1983 2023 中期報告 INTERIM REPORT * 瀘州银行股份有限公司並非香港法例第155章《銀行業條例》所指認可機構，不受香港金融管理局的監督，亦不獲授權 在香港經營銀行╱接受存款業務。 * Luzhou Bank Co., Ltd. is not an authorized institution within the meaning of the Banking Ordinance (Chapter 155 of the Laws of Hong Kong), not subject to the supervision of the Hong Kong Monetary Authority, an ...