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的內容概不負責，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） 於2025年12月17日舉行之2025年第一次臨時股東會投票表決結果 選舉王婕女士為第八屆董事會非執行董事 及 選舉邱偉先生為第八屆董事會獨立非執行董事 瀘州銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，本行2025年第一 次臨時股東會（「臨時股東會」）已於2025年12月17日（星期三）上午9時正於中國四 川省瀘州市江陽區酒城大道三段18號1號樓11樓1101會議室舉行。茲提述本行(1) 日期為2025年11月28日之臨時股東會通告；及(2)日期為2025年11月28日之臨時 股東會通函（「該通函」）。除非本公告另有定義，否則本公告所用詞彙與該通函所 界定者具有相同涵義。 臨時股東會由董事長游江先生主持，並已依照《中華人民共和國公司法》及公司章 程的規定舉行。本行全體董事均出席了臨時股東會。本行中國法律顧問君合律師 事務所 ...

Group 1 - The signing and awarding ceremony for the "Smart Financial Industry-Academia-Research Collaborative Innovation Practice Education Base" between Luzhou Bank Chengdu Branch and Southwest Minzu University School of Economics took place in Chengdu, emphasizing the importance of this base in implementing the university's "characteristic Minzu strategy" and deepening practical education reforms [1] - Luzhou Bank's representative highlighted the bank's development history, business layout, and outreach, proposing a vision of creating a platform for financial talent cultivation that aligns with industry needs through the base [1] - The Secretary of the Party Committee of the School of Economics at Southwest Minzu University stated that the collaboration is a key practice for promoting "industry-academia-research application" innovation, aiming to build a dual empowerment platform for students and faculty to cultivate application-oriented talents suited for the smart financial era [1] Group 2 - A student representative expressed that the base provides opportunities to engage with industry frontiers, motivating students to connect theoretical knowledge with practical needs [2] - During a discussion session, representatives from the Chengdu Branch addressed students' concerns regarding the financial industry's prospects, graduate school plans, and internship opportunities, encouraging continuous learning to adapt to industry changes [2] - The Chengdu Branch committed to exploring student social practices and collaborative projects in response to the university's request for a "dual-teacher dual-competence" faculty development, marking a deep consensus in talent cultivation, faculty development, and industry service [2]

Core Insights - Recent illegal fundraising activities have infiltrated the agricultural sector, disguised as promising investment projects, such as cattle farming contracts promising annual returns exceeding a certain percentage [1] - A successful intervention by Luzhou Bank's Xuyong branch prevented a potential fraud case involving a customer attempting to withdraw 95,000 yuan for a cattle investment [1][2] Group 1 - The customer arrived at the bank with eight deposit slips totaling 95,000 yuan, claiming the funds were for cattle investment [1] - Bank staff became suspicious due to the customer's vague responses regarding the investment details, which matched typical fraud patterns previously reported in the media [1] - The customer had added a supposed "seller" on WeChat in June 2025 but had no substantial communication, raising further red flags [1] Group 2 - The bank staff promptly reported the situation to the local anti-fraud center, which led to police intervention and effective fraud prevention measures [2] - The customer ultimately recognized the fraud risk and decided not to withdraw the funds, expressing gratitude to the bank for their assistance [2] - The incident highlights the importance of vigilance against investment schemes that promise high returns under the guise of "innovative agriculture" or "government support," which may be elaborate scams [2]

Core Insights - The event organized by Luzhou Bank and Xuyong County Women's Federation combined traditional craftsmanship with financial fraud prevention, creating a unique cultural and educational experience for families [1][2] Group 1: Event Overview - The event featured the Sichuan provincial intangible cultural heritage "Lianghe Diaodong Gong Clay Pot," integrating ancient craftsmanship into parent-child interactions [1] - Twenty families participated in hands-on activities guided by the heritage inheritor, Mr. Gong Kaigui, who shared insights into the 400-year-old craft [1] Group 2: Financial Fraud Prevention - The bank staff incorporated financial safety knowledge into the event, addressing common scams such as "game recharge fraud" and "welfare phishing links" targeting families, especially youth [2] - Parents gained a deeper understanding of the dangers of fraud and the importance of safeguarding family assets through relatable examples and case studies [2] Group 3: Organizational Commitment - Luzhou Bank is committed to exploring innovative service models that combine culture and finance, exemplified by this collaboration with the Women's Federation [2] - The bank aims to continue its efforts in promoting financial knowledge through diverse methods, reinforcing its responsibility to protect cultural heritage and family well-being [2]

在当前严峻复杂的电信网络诈骗形势下，泸州银行始终将客户资金安全放在首位，通过人工、机制、科 技三重防线，构建起全方位、多层次、立体化的反诈工作新体系，精准识别多起诈骗案件、成功拦截多 笔涉诈资金，展现了专业的风险防控能力和高度的社会责任感。 智能风控系统的监测与数据分析，为泸州银行的反诈工作织出一张严密的防控网。风控系统对全行交易 进行不间断扫描，通过"监测-预警-处置-反馈"的快速应急响应，多次察觉涉诈资金可疑苗头，变"被动 响应"为"主动出击"，展现了数字化风控的卓越能力。泸州银行风控系统按地理区域、客群特点等开展 账户灵活分级分类，同时根据市公安局指导丰富账户监测模型、监测渠道，不断提升风险识别的广度与 精确性。 除拦截涉诈资金外，泸州银行不断开展如"精准普法进商铺""抓反诈鸡蛋带回家""反诈小熊趣味宣传"等 各式各样的反诈宣传活动，有效提升公众的识诈防骗能力。未来，泸州银行将不断提升反诈工作精准性 与有效性，坚决筑牢反诈防火墙，为维护社会金融稳定与人民群众财产安全贡献更大力量。 警银协作，快速拦截涉诈资金 泸州银行与公安部门的"线索直报通道"，形成了一套高效的警银联动机制。在发现可疑行为后，工作人 员 ...

Core Insights - The article discusses the ongoing expansion of consumer loan interest subsidy policies in China, particularly focusing on the inclusion of regional small and medium-sized banks in the implementation of these policies [1][3][4]. Policy Expansion - Since December, regions such as Sichuan, Chongqing, and Guizhou have rapidly introduced supporting policies that allow regional small and medium-sized banks to participate in consumer loan interest subsidies, thereby broadening the policy's coverage [3][4]. - The policy's origin dates back to August, when the Ministry of Finance, the People's Bank of China, and the financial regulatory authority issued a plan to implement personal consumer loan interest subsidies, designating major national banks as core implementing institutions while encouraging local governments to support other financial institutions [3][4]. Implementation Details - The implementation of these policies has accelerated, with a joint notice issued on December 14 emphasizing the need for collaboration between finance and commerce to boost consumption through various financial mechanisms [3][4]. - Specific policies have been launched, such as Sichuan's initiative to provide a 1% annual interest subsidy for personal consumer loans used for local consumption, effective from October 1, 2025, to March 31, 2026 [4][5]. Regional Bank Participation - Multiple regional banks, including Sichuan Rural Commercial Bank and Chongqing Bank, have announced their participation in the consumer loan interest subsidy program, indicating a significant expansion of the policy's reach [6][7]. - The subsidy standards align with national guidelines but exhibit variations in execution periods, subsidy limits, and application processes among different banks [6][7]. Consumer Guidance - Consumers are advised to focus on four key points when utilizing these policies: ensuring compliance with local consumption requirements, assessing personal financial capabilities, understanding application details, and aligning consumption plans with subsidy limits [8]. - The article suggests that the model of expanding consumer loan interest subsidies at the local level may be promoted nationwide, providing opportunities for small and medium-sized banks while effectively stimulating regional consumption [8].

Core Viewpoint - The capital replenishment of small and medium-sized banks is entering a "sprint period" as they increasingly rely on methods such as capital increase and targeted fundraising to address capital adequacy pressures, with a new wave of capital replenishment accelerating [1][4]. Group 1: Recent Developments in Capital Increases - On December 8, Suzhou Bank announced that its major shareholder, Suzhou International Development Group, would increase its holdings by 44.7 million shares, accounting for 1.00% of the total share capital, between July 1, 2025, and December 5, 2025 [1]. - Hunan Bank has completed its capital increase, receiving approval to raise its registered capital by 1 billion RMB, increasing from approximately 7.75 billion RMB to about 8.75 billion RMB, a nearly 13% increase [3][8]. - Hunan Bank issued 1 billion shares to nine specific entities, raising a total of 4.01 billion RMB, with a net amount of 4.009 billion RMB after deducting issuance costs [3][8]. Group 2: Capital Adequacy and Regulatory Context - As of the end of Q3 2025, the capital adequacy ratio for commercial banks (excluding foreign bank branches) was 15.36%, with tier one capital adequacy at 12.36% and core tier one capital adequacy at 10.87% [4][9]. - The capital adequacy ratios for city commercial banks and rural commercial banks were 12.40% and 13.20%, respectively, which are lower than the average levels of 17.99% for large commercial banks and 13.48% for joint-stock commercial banks [4][9]. Group 3: Role of Local State-owned Capital - Local state-owned capital has become a significant force in the current wave of capital increases among small and medium-sized banks, with Hunan Bank's issuance entirely directed to state-owned entities [10][11]. - The involvement of local state-owned capital not only provides immediate financial support but also contributes to long-term capital generation effects, as local governments often promote such investments [5][11].

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年11月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 泸州银行股份有限公司 呈交日期: 2025年12月3日 | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | - | 說明 | 內資股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 1,964,632,062 RMB | | 1 | RMB | | 1,964,632,062 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 1,964,632,062 RMB | | 1 | RMB | | 1,964,632,062 | 本月底法定/註冊股本總額： RMB 2,717,752, ...

Group 1 - The core viewpoint of the articles highlights the collaboration between Luzhou Bank and the Luzhou Economic Development Zone to enhance investment attraction through professional financial assessments [1][2] - Luzhou Bank's Luzhou branch has taken on the responsibility of evaluating the financing feasibility of a specific project for an intelligent technology company, utilizing its financial expertise and risk control systems [1] - The bank conducted a comprehensive analysis of the company, covering aspects such as company overview, industry analysis, business and products, technology and research, market and competition, partners and clients, and financial status [1] Group 2 - The risk assessment conducted by the bank focused on identifying operational and market risks, leading to a detailed research report that provided professional judgment on the company's eligibility for financing [1] - This report served as a crucial reference for the Luzhou Economic Development Zone in making investment decisions, effectively reducing financial risks associated with project introductions [1] - The collaboration is expected to evolve into a long-term partnership, with Luzhou Bank planning to provide proactive financial advice and support to government departments in the future [2]

Meeting Overview - The first extraordinary general meeting of shareholders for 2025 will be held on December 17, 2025, in Luzhou [1] - The meeting will start at 9:00 AM and is expected to last half a day [1] - The location of the meeting is Luzhou Bank, 1101 Meeting Room, No. 18, Section 3, Jiu City Avenue, Jiangyang District, Luzhou, Sichuan Province [1] Agenda Items - The meeting will review and approve the election of Ms. Wang Jie as a non-executive director and her remuneration [1] - The meeting will also review and approve the election of Mr. Qiu Wei as an independent non-executive director and his remuneration [1] - Additionally, the board will be authorized to decide on a credit client's asset restructuring plan and any potential waivers involved [1] Attendance Requirements - Only shareholders listed on the company's register as of December 11, 2025, will be eligible to attend and vote [2] - Shareholders must submit transfer documents and shareholding certificates by December 11, 2025, to be eligible [2] - Shareholders can appoint one or more proxies to attend and vote on their behalf [2] Registration Process - Individual shareholders must present valid identification and shareholding proof for registration [5] - Corporate shareholders must provide legal representative proof or authorization documents for their proxies [5] - Registration will take place on December 12, 2025, during specified hours [5] Additional Information - Shareholders intending to participate must submit a signed receipt by December 6, 2025 [6] - Meeting materials will be available for review at the company's board office [7] - Contact information for inquiries includes phone numbers and email addresses [8]