Group 1 - Qingdao Guoxin Group plans to increase its stake in Qingdao Bank through its subsidiaries, with the total holding expected to not exceed 19.99% after the increase [1] - Qingdao Bank's board has approved the proposal for the stake increase, which will be implemented after regulatory approval [1] - Qingdao Guoxin Group is currently the third-largest shareholder of Qingdao Bank, holding 14.99% of the shares, and could become the largest shareholder if the plan is fully executed [1] Group 2 - The stake increase by Qingdao Bank is part of a broader trend, with other regional banks like Luzhou Bank also announcing capital increase plans [2] - Luzhou Bank plans to issue up to 1 billion new H-shares at a price not lower than 1.85 HKD per share to enhance its core Tier 1 capital adequacy ratio [2] - Many regional banks are seeing increased participation from local state-owned enterprises in their capital increases, driven by regulatory demands and market conditions [2] Group 3 - Analysts suggest that local state-owned enterprises' investments in small and medium-sized banks help optimize ownership structures and improve governance, which is crucial for mitigating regional financial risks [3] - The capital injection from local state-owned enterprises not only supplements the banks' capital but also strengthens their ties with local economies, facilitating access to regional development resources [3] - Enhanced state control is expected to improve decision-making efficiency and establish a solid foundation for the long-term development of small and medium-sized banks [3]

Core Viewpoint - Local small and medium-sized banks in China are accelerating capital replenishment actions in response to regulatory pressures and the need for financial stability [2][8] Group 1: Capital Replenishment Actions - Su Nong Bank plans to increase its registered capital from 1.803 billion to 2.019 billion yuan through the conversion of convertible bonds and capital reserves [2] - Luzhou Bank intends to issue up to 1 billion new H shares, with a shareholder meeting scheduled for the end of June [2] - Several banks, including Jilin Bank and Tianjin Rural Commercial Bank, are also in the process of capital replenishment through various means [2] Group 2: Challenges and Pressures - The banking sector is experiencing a prolonged low-interest-rate environment, leading to a narrowing net interest margin and increased pressure on revenue growth [3] - Rising default rates among corporate and individual clients due to real estate market issues and local government debt are further straining asset quality [3] - Regulatory bodies are imposing stricter requirements on risk management and internal controls for small and medium-sized banks, necessitating reforms and restructuring [3] Group 3: Strategic Considerations - Optimizing equity structure and enhancing market competitiveness are key considerations for capital increases, with potential benefits from introducing strategic investors [5] - Capital adequacy is crucial for banks to maintain trust and expand business operations in a competitive market [5] Group 4: Effects of Capital Increase - Capital increases will enhance capital adequacy ratios, allowing banks to meet regulatory requirements and expand credit offerings [6] - Higher capital levels improve risk resilience, providing a buffer against potential losses amid economic downturns [6] - Introducing strategic investors can lead to improved governance and operational efficiency [6] Group 5: Future Trends in Capital Replenishment - The trend of capital replenishment among local banks is expected to continue, driven by regulatory demands and the need for strategic development [8] - The banking sector is likely to seek diverse capital sources, including local state-owned enterprises and foreign investments, to optimize governance and enhance competitiveness [9] - As economic structures evolve, banks will need to invest in new business areas, necessitating further capital increases to support digital transformation and risk management improvements [9]

港股银行板块持续活跃之际，有上市银行正谋划定增事宜。近日，H股上市公司泸州银行发布公告称， 该行将于6月30日举行2024年度股东大会，审议关于该行根据特别授权非公开发行H股的议案。 受访专家认为，城商行等中小银行资本补充需求强烈，但同时面临内源性资本补充能力受制约、外源性 资本补充相对受限，故资本补充尤其是核心一级资本补充压力较大。 受访专家认为，今年以来，港股流动性改善，港股银行板块受经济复苏预期和低利率环境提振涨势明 显。泸州银行此时定增，可以利用市场回暖窗口期获得更多资金。 募资不低于18.32亿港元 公开资料显示，泸州银行为四川省内"酒系"银行之一，于2018年12月份在香港联交所主板上市，是我国 西部地区地级市中首家上市银行。该行主要股东有泸州老客集团、泸州鑫福矿业集团有限公司、四川省 佳乐企业集团、泸州市财政局等。截至2024年末，该行资产总额为1710亿元。 根据公告，泸州银行此次发行的预计发行价格将不低于1.85港元/股，较截至2024年12月31日该行经审 计的归属于该行股东每股净资产（3.73元人民币）折价明显。同时，这一发行价格也大幅低于该行公告 当天（6月9日）的收盘价2.48港元/ ...

根据《中华人民共和国公司法》和《泸州银行股份有限公司章程》的有关规定，本行董事会决定于2025 年6月30日（星期一）在泸州召开本行2024年度股东大会、2025年第一次内资股类别股东会议。现将会 议有关事项通知如下： 2024年度股东大会、2025年第一次内资股类别股东会议 （二）会议召集人 本行董事会 （三）会议时间 二、会议审议事项 2024年度股东大会将审议以下决议案（包括普通决议案以及特别决议案，其中特别决议案以*标记）： 1.审议及批准本行2024年度报告； 2.审议及批准本行2024年度董事会工作报告； 3.审议及批准本行2024年度监事会工作报告； 4.审议及批准本行2024年度董事、监事、高管履职评价报告； 2024年度股东大会于2025年6月30日上午9:00开始，2025年第一次内资股类别股东会议于2025年6月30日 上午9:30开始或紧随2024年度股东大会结束后（以较晚者为准）开始，预计会期半天 （四）会议地点 四川省泸州市江阳区酒城大道三段18号1号楼泸州银行1101会议室 （五）会议方式 现场会议、投票表决 5.审议及批准本行2024年度财务决算报告； 6.审议及批准本行202 ...

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 ...

Financial Performance - Net interest income for 2024 reached RMB 3,518,668 thousand, a year-on-year increase of 13.94% compared to RMB 3,088,261 thousand in 2023[11]. - Net commission and fee income increased by 68.54% to RMB 173,506 thousand in 2024 from RMB 102,948 thousand in 2023[11]. - Total operating income rose to RMB 5,209,013 thousand, reflecting a 9.20% growth from RMB 4,770,347 thousand in 2023[11]. - Pre-tax profit surged by 42.69% to RMB 1,784,764 thousand in 2024, compared to RMB 1,250,790 thousand in 2023[11]. - Net profit attributable to shareholders increased by 28.31% to RMB 1,275,665 thousand in 2024 from RMB 994,237 thousand in 2023[11]. - Total operating income for 2024 was RMB 5.21 billion, an increase of RMB 439 million, reflecting a growth rate of 9.20% compared to the previous year[32]. - Total revenue and net profit increased by 9.2% and 28.3% respectively, with a net interest margin improvement of 10 basis points to 2.49%[21]. Asset and Loan Growth - The total assets of Luzhou Bank reached RMB 171 billion, with total customer loans amounting to RMB 103.93 billion and total customer deposits of RMB 135.31 billion as of the end of the reporting period[6]. - Total assets grew by 8.48% to RMB 170,999,572 thousand in 2024, up from RMB 157,636,383 thousand in 2023[12]. - Customer loans net amount increased by 11.44% to RMB 98,585,035 thousand in 2024 from RMB 88,465,685 thousand in 2023[11]. - The loan balance in Luzhou reached RMB 69.27 billion, an increase of 13.6%, maintaining its position as the largest loan bank in the region for seven consecutive years[18]. - The total amount of loans reached RMB 1,032.71 million, marking an increase of 11.70% from RMB 924.57 million in the previous year[88]. - The total amount of corporate loans was RMB 896.36 billion, an increase of RMB 113.27 billion, with a growth rate of 14.46%[64]. Customer Deposits - The bank's total customer deposits increased by a significant percentage compared to the previous year, reflecting strong growth in its deposit base[6]. - Customer deposits reached RMB 135,314.34 million by the end of 2024, up RMB 17,690.00 million or 15.04% from RMB 117,624.52 million in 2023, accounting for 85.34% of total liabilities[79]. - The average balance of customer deposits was RMB 129.92 billion in 2024, with interest expenses amounting to RMB 339.38 million, down from RMB 352.30 million in 2023[47]. Risk Management - The non-performing loan ratio improved to 1.19% in 2024, down from 1.35% in 2023[11]. - The company’s provision coverage ratio increased by 62.77 percentage points to 435.19%, enhancing its risk compensation capacity[24]. - The bank has implemented strict monitoring measures for overdue loans and has developed tailored risk mitigation plans for non-performing loans[103]. - The company emphasizes proactive compliance and strict risk control principles to enhance credit risk management, focusing on optimizing credit structure and improving internal credit systems[110]. Awards and Recognition - Luzhou Bank ranked 15th in the "GYROSCOPE" evaluation system for city commercial banks in 2024, with the highest employee awareness capability ranking[9]. - The bank's new electronic banking platform won the "Best Technology Innovation Award" at the 2024 financial innovation competition[9]. - Luzhou Bank was included in the "Top 20 ESG Comprehensive Performance" list for city commercial banks in the 2024 Banking Industry ESG Development Report[9]. - Luzhou Bank was awarded the "Outstanding Mobile Banking Brand" at the 2024 Financial Wind and Cloud Awards[9]. - The bank has received multiple awards for its innovative financial services and contributions to inclusive finance in 2024[9]. Shareholder Information - The top shareholder, Luzhou Laojiao Group, holds 390.528 million shares, accounting for 14.37% of total shares[165]. - The largest shareholder, Luzhou Laojiao Group Co., Ltd., holds 433,920,000 shares, representing approximately 15.97% of the issued shares and 22.09% of the related class shares[166]. - The total number of shares outstanding remained unchanged at 2,717,752,062 shares as of December 31, 2024[161]. - The report indicates no other individuals, apart from directors and senior management, hold any significant equity interests as of December 31, 2024[172]. Management and Governance - The company has established several committees, including the development strategy committee and risk management committee, to enhance governance[191]. - The bank's management team has extensive experience, with Liu previously serving as vice president and holding various leadership roles since 1997[195]. - The management team emphasizes the importance of strategic planning and operational efficiency in driving growth[198]. - The company is committed to maintaining compliance with the Securities and Futures Ordinance and the Listing Rules[179].