Financial Performance - As of December 31, 2018, the total assets of Bank of Changsha reached CNY 526.63 billion, an increase of 11.92% compared to the previous year[6]. - The bank's total deposits amounted to CNY 341.20 billion, reflecting a growth of 1.36% year-on-year[6]. - The total loan amount was CNY 204.40 billion, which represents a significant increase of 32.31% from the previous year[6]. - The operating income for 2018 was CNY 13.94 billion, marking a year-on-year growth of 14.95%[6]. - The net profit attributable to shareholders of the parent company was CNY 4.48 billion, up 13.94% compared to the previous year[6]. - The bank's return on average equity (ROE) was 16.91%, positioning it among the leading levels in listed banks[6]. - The company's capital adequacy ratio improved to 12.24%, up 0.50 percentage points from 11.74% in 2017[21]. - The non-performing loan ratio increased to 1.29%, up 0.05 percentage points from 1.24% in the previous year[21]. - The company achieved a basic earnings per share of RMB 1.42, reflecting a growth of 10.94% compared to RMB 1.28 in 2017[20]. - The bank's total operating expenses were CNY 8.303 billion, an increase of 16.69% year-on-year[46]. - The bank's net profit for 2018 was RMB 4,756,955 thousand, reflecting a growth of 16.50% compared to the previous year[74]. Customer Growth and Services - Personal deposits reached CNY 102.85 billion, accounting for 30.14% of total deposits[6]. - Personal loans amounted to CNY 71.21 billion, representing 34.84% of total loans[6]. - The bank's retail customer base increased by 2.22 million, with 711,900 new active online users and 63,500 new financial ecosystem merchants added in 2018[9]. - The number of online banking customers exceeded 4 million, enhancing the integration of online and offline services[36]. - The bank issued 539,700 new credit cards, which has become a strong driver for retail business expansion[6]. Branch Expansion and Infrastructure - In 2018, Changsha Bank added 14 new branches in county areas, achieving a coverage rate of 73.26%[8]. - The bank established 534 rural financial service stations to strengthen its foundation in Hunan province[8]. - The bank's support for public utilities and local industries aims to improve the quality of infrastructure in county areas[8]. Risk Management and Compliance - The bank's commitment to compliance and anti-money laundering measures resulted in no significant administrative penalties during the year[126]. - The company maintained a stable liquidity position throughout the year, with no liquidity risk events reported[124]. - The bank's focus on credit risk management, adhering to national macro-control policies and adjusting credit policies accordingly[120]. Technological Advancements - The new core business system was launched on October 15, 2018, enabling the bank to support "hundred million accounts" and "hundred million transactions" effectively[6]. - The bank's new core business system supports up to 8,000 transactions per second, laying a solid foundation for digital transformation[117]. - The company integrated an internet financial platform, improving online and offline services, and won multiple awards including "Best Direct Bank of 2018" from Internet Weekly[119]. Strategic Focus and Future Plans - The bank aims to reduce six key operational metrics by 30% by 2019, targeting a 50% improvement in customer service efficiency over two years[9]. - The bank's strategic focus includes supporting local特色产业 (characteristic industries) and collaborating with Hunan University to publish a provincial-level financial competitiveness evaluation report[8]. - The bank plans to expand its market presence by opening 10 new branches in key urban areas by the end of 2019[146]. - The bank is exploring potential mergers and acquisitions to enhance its service offerings and market share, with a focus on fintech companies[146]. Social Responsibility and Community Support - The bank's commitment to social responsibility and support for the real economy will guide its operations in the evolving financial landscape[132]. - The bank has a financial poverty alleviation loan balance of RMB 2.298 billion, an increase of RMB 474 million compared to the beginning of the year, supporting 89,000 impoverished individuals[164]. - The bank donated 3.3 million RMB in support funds and established partnerships with 41 villages for targeted poverty alleviation efforts[167]. Shareholder and Governance - The bank proposed a cash dividend of RMB 2.8 per 10 shares, totaling RMB 958.04 million for distribution to shareholders[142]. - The bank's independent directors unanimously agreed that the profit distribution plan complies with relevant regulations and does not harm the interests of all shareholders, especially minority shareholders[142]. - The company has maintained a stable management structure with no changes in shareholding among board members during the reporting period[198].

2018 年第三季度报告 公司代码：601577 公司简称：长沙银行 长沙银行股份有限公司 BANK OF CHANGSHA CO., LTD. 2018 年第三季度报告 (股票代码：601577) 1 / 18 | 一、 | 重要提示 3 | | --- | --- | | 二、 | 公司基本情况 3 | | 三、 | 经营情况讨论与分析 7 | | 四、 | 重要事项 7 | | 五、 | 附录 9 | 2018 年第三季度报告 一、 重要提示 二、 公司基本情况 2.1 主要财务数据 单位：千元 币种：人民币 3 / 18 未出席董事姓名 未出席董事职务 未出席原因的说明 被委托人姓名 李晞 董事 工作原因 朱玉国 卢德之 独立董事 工作原因 郑鹏程 出席董事 15 人，现场出席董事 13 人。未出席董事情况如下： 1.1 本行董事会、监事会及董事、监事、高级管理人员保证本季度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.2 本行于 2018 年 10 月 29 日召开第五届董事会第十五次会议，审议通过了本季度报告，会议应 | 项目 | 本报告期 ...