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].

笔者了解到，通过产品创新和政策组合，泸州银行灵活推出了多款针对小微企业多层次需求的特色贷款 产品。其中，"酒好贷"基于下游经销商的销售回款数据，系统自动生成授信额度，将贷款审批时间从7 天压缩至8小时。这一模式不仅解决了经销商旺季备货的资金缺口，更被复制推广至川内多个白酒产 区。而"白酒原粮贷"针对粮食采购环节设计，通过动态评估原粮库存价值，为供应商提供灵活授信，通 过这样的资金支持，泸州银行成功帮助数家本地粮企入围了当地龙头酒企的核心供应链圈。下一步，该 行将继续探索原酒销售头部企业对供应链增信贷款模式，进一步优化原酒抵押融资体系，提升资产流动 性。 聚焦当地特色产业的同时，泸州银行恪守服务实体经济的初心使命，紧密围绕金融"五篇大文章"优化资 源配置、创新产品服务，提升服务实体经济质效。以普惠小微领域为例，2024年，该行多措并举拓宽资 金来源，降低小微企业融资成本。发行18亿元小微企业贷款专项金融债，使用央行支小再贷款余额62亿 元。在四川第三轮财经政策互动期间（2021至2024年1季度）帮助小微企业申请贴息资金1.93亿元，占 全省贴息资金30.68%，排名四川银行业第1。其普惠型小微贷款余额从202 ...

Core Viewpoint - Luzhou Bank demonstrated steady growth in its 2024 annual report, with both revenue and profit increasing, contributing to local economic development [1][2]. Financial Performance - As of the end of 2024, Luzhou Bank's total assets reached 171 billion yuan, a year-on-year increase of 8.48% [2][4]. - The bank's operating income grew to 5.209 billion yuan, reflecting a 9.20% increase, while net profit reached 1.276 billion yuan, up 28.31% year-on-year, marking two consecutive years of over 20% growth [2][4]. - The net interest margin improved from 2.69% to 2.71%, and the net interest yield increased to 2.49% [2][4]. Asset Quality - Luzhou Bank's non-performing loan (NPL) ratio decreased to 1.19%, outperforming the industry average by 0.57 percentage points [4][5]. - The provision coverage ratio rose to 435.19%, indicating a solid financial cushion [4]. Business Expansion - The total customer loans reached 103.928 billion yuan, with a growth rate of 11.70%, while customer deposits totaled 135.314 billion yuan, up 15.04% [2][5]. - The bank's corporate loan balance increased to 89.636 billion yuan, accounting for 86.25% of total customer loans [6]. Support for SMEs - Luzhou Bank has actively supported over 8,000 small and micro enterprises, with a total loan issuance of 108.605 billion yuan [5][6]. - The bank introduced innovative financial products tailored to the diverse financing needs of small businesses [6]. ESG Initiatives - Luzhou Bank has focused on employee welfare and social contributions, donating 6.5214 million yuan to various charitable causes in 2024 [7]. - The bank has implemented a comprehensive training and promotion system for employees, with 86% of staff holding a bachelor's degree or higher [7]. Dividend Distribution - Since its listing, Luzhou Bank has conducted four cash dividend distributions, with a proposed cash dividend of 1.2 yuan per 10 shares for 2024, totaling approximately 326.13 million yuan [8].

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].

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].

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。 ...

Financial Performance - Net profit rose by 4.92% to RMB 675.27 million from RMB 643.62 million in the same period last year[10]. - Operating income increased by 3.73% to RMB 2.45 billion compared to RMB 2.36 billion in the previous year[10]. - Net interest income decreased by 13.19% to RMB 1.55 billion from RMB 1.79 billion in the same period last year[10]. - Total operating income for the first half of 2023 was RMB 2,446.66 million, a 3.73% increase from RMB 2,358.70 million in the same period of 2022[185]. - Net interest income for the six months ended June 30, 2023, was RMB 1,554,533, a decrease of 13.2% from RMB 1,790,738 in the same period of 2022[185]. - The bank's basic and diluted earnings per share for the first half of 2023 were RMB 0.21, up from RMB 0.20 in the same period of 2022[185]. Assets and Liabilities - Total assets reached RMB 153.94 billion, an increase of 3.58% compared to RMB 148.63 billion at the end of 2022[10]. - Total liabilities reached RMB 143.09 billion, an increase of RMB 4.66 billion or 3.36%, primarily due to steady growth in customer deposits[65]. - The bank's total liabilities were RMB 143,092,400, an increase from RMB 138,434,211 at the end of 2022[187]. - The bank's equity attributable to shareholders increased to RMB 10,852,146 from RMB 10,195,616 at the end of 2022[187]. Customer Loans and Deposits - Net customer loans amounted to RMB 85.02 billion, up 6.27% from RMB 80.00 billion at the end of 2022[10]. - Customer deposits totaled RMB 115.48 billion, reflecting a growth of 5.52% from RMB 109.45 billion at the end of 2022[10]. - The bank's net customer loans were RMB 850.17 billion, reflecting a growth of RMB 50.18 billion or 6.27% year-on-year[51]. - As of June 30, 2023, the company's total customer deposits reached RMB 115.48 billion, an increase from RMB 109.45 billion at the end of 2022, representing a growth of 5.12%[68]. Non-Performing Loans and Risk Management - The non-performing loan ratio improved to 1.50%, down from 1.53% at the end of 2022[10]. - The provision coverage ratio increased to 295.10%, up from 256.93% at the end of 2022[10]. - The bank has strengthened its risk management and control, with a focus on improving the quality of credit assets amid a complex global economic environment[74]. - The expected credit loss provision for loans measured at amortized cost increased to RMB 3.81 billion as of June 30, 2023, up RMB 630 million or 19.78% from the end of 2022[88]. Capital Adequacy - The core Tier 1 capital adequacy ratio stood at 8.28%, slightly up from 8.10% at the end of 2022[10]. - The bank's total capital adequacy ratio was 12.97% as of June 30, 2023, a decrease of 0.04 percentage points from the end of 2022, but still exceeding regulatory requirements by 2.47 percentage points[94]. - The bank's net capital increased to RMB 14.31 billion as of June 30, 2023, from RMB 13.62 billion at the end of 2022[94]. Employee and Governance - The total number of employees in the company is 1,435, with an average age of 34.71 years[166]. - The company has established a dual-channel salary promotion system for employees, linking performance pay closely to value creation and performance contributions[172]. - The company’s board consists of 11 members, including 2 executive directors and 4 non-executive directors[159]. - The bank has complied with corporate governance standards and improved its governance structure according to relevant laws and regulations[174]. Market and Investment Activities - The bank's bond investment scale reached CNY 38.601 billion, an increase of CNY 8.872 billion or 29.84% from the beginning of the year[137]. - The bank's holdings of discounted bills increased to CNY 1.884 billion, a rise of CNY 1.447 billion or 331.12% compared to the end of the previous year[134]. - The bank's total interbank borrowing balance was CNY 3.366 billion, a decrease of CNY 1.10 billion or 3.16% from the beginning of the year[132]. Dividends and Shareholder Information - The bank plans to distribute a cash dividend of RMB 0.8 per 10 shares, totaling RMB 217.42 million, subject to shareholder approval[175]. - The total number of shares outstanding as of the end of the reporting period is 2,717,752,062, with 1,964,632,062 domestic shares and 753,120,000 H shares[145]. - The largest shareholder, Luzhou Laojiao Group Co., Ltd., has a beneficial ownership of 390,528,000 domestic shares, which is 14.37% of the total[148].