位于泸州泸县的某智能技术有限公司是典型获益者，该公司是一家在泸州深耕多年通讯终端制造的的高 新技术企业。随着市场需求的不断增长，其在推进通讯终端产品生产智能化数字化升级以及ERP、MES 系统集成过程中面临资金缺口。泸州银行迅速与企业对接，启动专项服务机制。2025年3月，为企业量 身定制 "担保 + 信用" 组合贷款 990 万元。"有了泸州银行的资金支持，公司数字化布局、智能化升级改 造等得到了有力推进，项目建成后，公司将实现生产过程可视化、智能化管理。"该公司相关负责人谈 及转型发展之路时，对泸州银行的支持赞不绝口。在他看来，金融支持为企业数字化转型按下 "加速 键"。 绿色通道提效能，精准滴灌助远航。? 在"中国制造2025"战略纵深推进的关键阶段，泸州这座西南地区制造业的重要城市，正以"智能化改 造、数字化转型"为引擎，掀起制造业高质量发展的新浪潮。作为区域金融主力军，泸州银行在经信局 指导下，创新构建"政策+金融+科技"服务矩阵，通过政银协同搭台、金融创新赋能、绿色通道提效等 多维举措，为传统制造业智能化改造、数字化转型注入强劲动能，全力构筑泸州智造新生态。 政银协同搭台，构建智造服务新生态 泸州 ...

在川渝腹地，涪江蜿蜒穿遂宁，长江浩荡过泸州，两条血脉般的河流虽未直接交汇，却共同滋养着这片 人文沃土。作为连接两地的金融纽带，自2022年扎根遂宁以来，泸州银行以"银龄童梦"为经纬，编织全 龄友好的金融服务网络；以"金融赋能"为和弦，奏响"引客入遂"的城市邀约曲，让金融活水滋养遂宁山 水人文，绽放"一老一小"的守护温情，焕发出"近者悦、远者来"的时代魅力。 一老一小：金融服务编织代际温情网 作为遂宁首家上市城商行，泸州银行遂宁分行以第二届"泸小筝"风筝节为契机，融合金融服务与文旅体 验，打造"权益叠加、场景沉浸、安全护航"的引客生态。 活动期间，位于河东新区东平北路的泸州银行遂宁分行外化身"风筝主题公园"，设置"风筝DIY工坊""福 气玲珑骰"等全年龄段互动项目，邀请各地亲子家庭、老年爱好者共赴 "纸鸢之约"，让传统风筝文化在 亲子协作、代际传承中焕发新生。该行还同步联动遂宁本地商户，推出"风筝节专属权益"：餐饮满减、 购物折扣，覆盖"吃住行游购娱"全场景，让实惠贯穿文旅消费始终。此外，活动现场设立的"泸警联动 区"将通过寓教于乐的形式，让严肃的反诈知识化作春风细雨浸润人心。 从银龄客户的适老服务到少年儿童的 ...

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 ...

Financial Performance - Net interest income for 2024 was RMB 3.52 billion, reflecting a year-on-year growth of 13.94% from RMB 3.09 billion in 2023[12]. - The net profit attributable to shareholders was RMB 1.28 billion, representing a 28.31% increase from RMB 994.24 million in 2023[12]. - Luzhou Bank's operating income for 2024 was RMB 5.21 billion, a 9.20% increase from RMB 4.77 billion in 2023[12]. - Net profit increased by 28.3%, with revenue growth of 9.2%[22]. - Total operating income for 2024 was RMB 5.21 billion, an increase of RMB 439 million, reflecting a growth rate of 9.20%[33]. - The bank's pre-tax profit for 2024 was RMB 1.78 billion, an increase of RMB 534 million, representing a growth of 42.69% compared to the previous year[31]. - The bank's net fee and commission income for 2024 was RMB 173.51 million, up from RMB 102.95 million in 2023[31]. - In 2024, the company's non-interest income reached RMB 1.69 billion, an increase of RMB 0.08 billion, or 0.49% year-over-year[51]. Asset and Liability Management - The total assets of Luzhou Bank reached RMB 170.99 billion, an increase of 8.48% compared to RMB 157.64 billion in 2023[12]. - Customer deposits increased to RMB 135.31 billion, a rise of 15.04% from RMB 117.62 billion in 2023[12]. - Total liabilities amounted to RMB 158.56 billion as of December 31, 2024, an increase of RMB 11.85 billion or 8.08% year-over-year, primarily due to steady growth in customer deposits[78]. - The proportion of deposits to total liabilities increased by 5.16 percentage points to 85.34%[21]. - The average balance of customer deposits in 2024 was RMB 129.917 billion, an increase from RMB 119.811 billion in 2023, with a corresponding average cost rate of 2.61%[48]. Loan and Credit Quality - Customer loans amounted to RMB 98.59 billion, up 11.44% from RMB 88.47 billion in 2023[12]. - The non-performing loan ratio improved to 1.19%, down from 1.35% in 2023[12]. - The bank's total loans classified as non-performing accounted for 85.16% of loans overdue for more than 90 days[25]. - The total loan principal amounted to RMB 103.271 billion, an increase of 11.70% compared to the previous year, with non-performing loans totaling RMB 1.229 billion, a decrease of RMB 0.16 billion[89]. - The non-performing loan ratio was 1.19%, down by 0.16 percentage points from the previous year[89]. - The bank's credit commitments stood at RMB 1.911 billion at the end of the reporting period[86]. Capital Adequacy and Risk Management - Core Tier 1 capital adequacy ratio increased to 8.27% from 8.12% year-on-year, while Tier 1 capital adequacy ratio rose to 10.15% from 9.61%[13]. - The bank's capital adequacy ratio rose to 13.12% from 12.74% year-on-year[13]. - The capital adequacy ratio at the end of the reporting period was 13.12%, an increase of 0.38 percentage points from the previous year, exceeding regulatory requirements by 2.62 percentage points[109]. - The bank's loan loss provisions increased to RMB 5,342,538 thousand by the end of 2024, up from RMB 4,572,916 thousand in 2023[103]. - The bank's provision coverage ratio increased by 62.77 percentage points to 435.19%, enhancing its risk compensation capability[25]. Customer and Market Development - Luzhou Bank was ranked 15th in the "GYROSCOPE" evaluation system for city commercial banks in 2024, with the highest employee awareness capability[10]. - The bank launched over 30 specialized products, with 23 available for online processing, becoming the first in Sichuan to offer online property mortgage loans[19]. - The retail banking customer base increased to 1.4771 million, up by 74,700 customers or 5.33% compared to the end of 2023[143]. - The company launched several innovative financing products, including "Daily Loan C" and "Tax Loan," to meet diverse customer needs[140]. - The bank's gold and precious metals sales reached RMB 3.5307 million, an increase of RMB 1.6721 million or 89.97% compared to 2023[149]. Shareholder Structure and Governance - The total share capital remains unchanged at 2,717,752,062 shares as of December 31, 2024[162]. - The largest shareholder, Luzhou Laojiao Group Co., Ltd., holds 390,528,000 shares, accounting for 14.37% of the total shares[166]. - The top 10 domestic shareholders hold a total of 1,964,632,062 shares, representing approximately 72.34% of the total share capital[166]. - The company has established a dedicated consumer rights protection committee under the board of directors to enhance consumer rights protection efforts[160]. - The company strictly adheres to national laws and regulations, ensuring consumer protection is integrated into all aspects of product design and service delivery[160]. Operational and Compliance Management - The bank has maintained zero significant operational risk events and incidents by the end of the reporting period[112]. - The company conducts regular assessments and training to strengthen compliance culture and risk awareness among employees[114]. - The operational risk management committee is responsible for overseeing the company's operational risk prevention efforts and enhancing the long-term mechanism for risk control[114]. - The company has implemented a robust liquidity risk management governance structure, clearly defining responsibilities across various levels of management[124]. - The bank has implemented a liquidity risk emergency plan, which is regularly tested and evaluated[126].

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》 ...

Financial Performance - Net profit for the first half of 2024 was RMB 808.34 million, representing a year-on-year increase of 19.71% from RMB 675.27 million[10]. - The company's total operating income for the first half of 2024 was RMB 2.836 billion, up RMB 389 million or 15.91% compared to the same period last year[17]. - The bank's total operating income for the first half of 2024 reached RMB 2,835,908 thousand, a 15.87% increase from RMB 2,446,656 thousand in the same period of 2023[112]. - The bank's pre-tax profit for the first half of 2024 was RMB 1,035,133 thousand, up from RMB 860,297 thousand in the same period of 2023, marking a growth of 20.3%[187]. - The bank's operating profit for the first half of 2024 was RMB 1,034,030 thousand, an increase of 20.6% from RMB 857,526 thousand in the same period of 2023[187]. Asset and Liability Management - Total assets reached RMB 165.16 billion, an increase of 4.77% compared to RMB 157.64 billion at the end of 2023[10]. - Total liabilities as of June 30, 2024, were RMB 153.81 billion, an increase of RMB 7.10 billion or 4.84% from the end of 2023, primarily due to steady growth in customer deposits[64]. - Customer deposits amounted to RMB 130.26 billion, reflecting a growth of 10.74% from RMB 117.62 billion at the end of 2023[10]. - The bank's total liabilities increased to 153,808,830 from 146,709,384, reflecting a growth of about 4.7%[190]. Loan and Deposit Growth - Customer loans totaled RMB 100.44 billion, with a net increase of 7.72% from RMB 88.47 billion at the end of 2023[10]. - The net amount of customer loans was RMB 95.30 billion, an increase of RMB 6.83 billion or 7.72% year-over-year[50]. - The total amount of customer deposits reached RMB 124.93 billion, with an interest expense of RMB 1.67 billion[34]. - Customer deposits as of June 30, 2024, totaled RMB 130.26 billion, an increase of RMB 12.63 billion or 10.74% from the end of 2023, accounting for 84.69% of total liabilities[66]. Profitability Ratios - The average return on total assets increased to 1.00%, compared to 0.89% in the same period last year[11]. - The average return on equity rose to 14.07%, up from 12.41% in the previous year[11]. - The net interest margin improved to 2.77%, an increase of 0.03 percentage points compared to the previous year, driven by a greater decline in the average cost of interest-bearing liabilities than the average yield on interest-earning assets[22]. Non-Performing Loans and Risk Management - The non-performing loan ratio was 1.39%, slightly up from 1.35% at the end of 2023[10]. - The non-performing loan ratio remained at a competitive level among national city commercial banks, indicating effective risk management[15]. - The expected credit loss provision for loans measured at amortized cost increased to RMB 5.147 billion as of June 30, 2024, up RMB 574 million or 12.56% from the end of 2023[87]. - The bank has strengthened internal management and risk control capabilities to mitigate loan risks amid a complex global economic environment[73]. Capital Adequacy and Liquidity - The bank's capital adequacy ratio stood at 12.46%, down from 12.74% at the end of 2023[10]. - The liquidity ratio improved to 82.26%, compared to 80.14% in the previous period[10]. - The liquidity ratio as of June 30, 2024, is 82.26%, exceeding the regulatory requirement by 57.26 percentage points[106]. - The quality liquidity asset ratio is 171.25%, surpassing the regulatory requirement by 71.25 percentage points[106]. Shareholder Information - The total shareholding of Luzhou Laojiao Group Co., Ltd. and its controlled entities amounts to 433,920,000 shares, representing 15.97% of the total issued shares[148]. - The report indicates a significant concentration of ownership among the top shareholders, with the top five holding over 50% of the total shares[145]. - The top ten shareholders of Luzhou Bank hold a total of 1,000,000,000 shares, representing approximately 37.73% of the total issued shares[145]. Employee and Management Structure - As of June 30, 2024, the total number of employees in the company is 1,486, with an average age of 35.23 years[167]. - The company organized approximately 170 training sessions during the reporting period, with over 4,600 participants[172]. - The board of directors consists of 10 members, including 2 executive directors and 4 independent non-executive directors[161]. Operational Efficiency - The bank's total operating expenses for the first half of 2024 were RMB 898,069 thousand, compared to RMB 716,788 thousand in the prior year, reflecting an increase of 25.3%[187]. - The bank has implemented measures to strengthen the management of non-performing assets, including enhanced monitoring of overdue loans and risk warning signals[88]. - The bank's management emphasized proactive compliance and strict risk control principles to enhance credit risk management[96].

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].