证券代码：601577 证券简称：长沙银行 编号：2025-022 优先股代码：360038 优先股简称:长银优 1 长沙银行股份有限公司 关于 2024 年度利润分配预案的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 分配比例：每股派发现金红利 0.42 元（含税） 本次利润分配以实施权益分派股权登记日登记的总股本为 基数，具体日期将在权益分派实施公告中明确。 在实施权益分派的股权登记日前长沙银行股份有限公司（简 称"本行"）总股本发生变动的，拟维持分配总额比例不变，相应调 整每股分配比例，并将另行公告具体调整情况。 本行不触及《上海证券交易所股票上市规则》第 9.8.1 条第 一款第（八）项规定的可能被实施其他风险警示的情形。 综合考虑全体股东的合理投资回报、本行未来战略发展规划 和持续满足资本充足率监管要求等多方面因素，本年度本行拟分派普 通股现金红利总额为 1,689,053 千元，占本行归属于母公司普通股股 东净利润的 22.49%。 一、利润分配预案内容 （一）利润分配预案的具体内容 1 经天 ...

按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我 们审计了长沙银行股份有限公司（以下简称长沙银行）2024 年 12 月 31 日的财 务报告内部控制的有效性。 目 录 一、内部控制审计报告………………………………………………第 1—2 页 内部控制审计报告 天健审〔2025〕2-257 号 长沙银行股份有限公司全体股东： 我们认为，长沙银行于 2024 年 12 月 31 日按照《企业内部控制基本规范》 第 1 页 共 2 页 和相关规定在所有重大方面保持了有效的财务报告内部控制。 天健会计师事务所（特殊普通合伙） 中国注册会计师： 一、企业对内部控制的责任 按照《企业内部控制基本规范》《企业内部控制应用指引》以及《企业内部 控制评价指引》的规定，建立健全和有效实施内部控制，并评价其有效性是长沙 银行董事会的责任。 二、注册会计师的责任 我们的责任是在实施审计工作的基础上，对财务报告内部控制的有效性发表 审计意见，并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、内部控制的固有局限性 内部控制具有固有局限性，存在不能防止和发现错报的可能性。此外，由于 情况的变化可能导致内部控制变得不 ...

Financial Performance - The bank reported a revenue of 6,809,292 thousand RMB for Q1 2025, representing a 3.78% increase compared to 6,561,015 thousand RMB in the same period last year[4] - Net profit attributable to shareholders was 2,173,115 thousand RMB, up 3.81% from 2,093,275 thousand RMB year-on-year[4] - Operating revenue for Q1 2025 was RMB 6.81 billion, a year-on-year growth of 3.78%[26] - Net profit attributable to shareholders was RMB 2.17 billion, reflecting a year-on-year increase of 3.81%[26] - Net profit for Q1 2025 was CNY 2,188,832 thousand, slightly higher than CNY 2,179,312 thousand in Q1 2024, indicating a year-over-year increase of 0.4%[33] - Total comprehensive income for Q1 2025 was CNY 1,303,076 thousand, down from CNY 2,274,961 thousand in Q1 2024, indicating a decline of 42.7%[33] - The company’s total expenses for Q1 2025 were CNY 4,210,334 thousand, an increase of 6.8% from CNY 3,940,280 thousand in Q1 2024[32] Asset and Liability Management - The total assets increased by 5.62% to 1,211,242,255 thousand RMB from 1,146,747,921 thousand RMB at the end of the previous year[5] - Total liabilities amounted to RMB 1,129.59 billion, an increase from RMB 1,066.40 billion at the end of 2024[30] - Total assets reached RMB 1,211.24 billion, an increase of RMB 644.94 billion or 5.62% compared to the beginning of the year[26] - Total equity attributable to shareholders reached 79,301,004 thousand RMB, reflecting a 1.65% increase from 78,013,645 thousand RMB at the end of the previous year[5] - Total equity reached RMB 81.65 billion, compared to RMB 80.35 billion at the end of 2024[30] - Total assets increased to CNY 1,152,879,767 thousand as of March 31, 2025, up from CNY 1,093,774,401 thousand at the end of 2024, representing a growth of approximately 5.4%[38] - Total liabilities increased to CNY 1,075,141,941 thousand as of March 31, 2025, compared to CNY 1,017,303,381 thousand at the end of 2024, an increase of about 5.7%[39] - The total equity increased to CNY 77,737,826 thousand as of March 31, 2025, from CNY 76,471,020 thousand at the end of 2024, reflecting a growth of approximately 1.7%[39] Loan and Deposit Growth - The total amount of loans and advances increased by 7.86% to 587,940,511 thousand RMB compared to 545,108,561 thousand RMB at the end of the previous year[5] - Total deposits amounted to RMB 750.71 billion, up by RMB 277.33 billion or 3.84% year-to-date[26] - Loans and advances totaled RMB 587.94 billion, increasing by RMB 428.32 billion or 7.86% since the start of the year[26] - The bank's deposits rose to CNY 748,087,694 thousand as of March 31, 2025, up from CNY 721,299,695 thousand at the end of 2024, indicating a growth of approximately 3.7%[39] - The net increase in customer loans and advances was 38,994,263 thousand RMB, compared to 33,857,395 thousand RMB in the same period last year, indicating growth in lending activities[43] Capital Adequacy and Liquidity - The bank's core tier 1 capital adequacy ratio was 9.74% as of March 31, 2025, slightly up from 9.71% at the end of the previous year[9] - The liquidity coverage ratio stood at 400.69%, indicating a strong liquidity position[12] - The non-performing loan ratio was reported at 1.18%, showing a slight increase from 1.17% at the end of the previous year[19] - Non-performing loan ratio stood at 1.18%, with a provision coverage ratio of 309.82%[26] Cash Flow Analysis - The bank's cash flow from operating activities was negative at -52,785,184 thousand RMB, indicating a significant decrease in cash generation compared to the previous year[4] - The net cash flow from operating activities was negative at CNY -52,785,184 thousand, worsening from CNY -23,713,766 thousand in the previous year[36] - In Q1 2025, the net cash flow from operating activities was -52,239,725 thousand RMB, compared to -23,916,473 thousand RMB in Q1 2024, indicating a significant decline[43] - Cash inflow from investment activities totaled 110,285,363 thousand RMB, up from 46,752,416 thousand RMB in Q1 2024, reflecting a strong investment recovery[43] - The net cash flow from investment activities was 44,203,820 thousand RMB, compared to -3,816,852 thousand RMB in the previous year, showing a positive shift[43] - The net cash flow from financing activities was 9,190,590 thousand RMB, down from 27,528,484 thousand RMB in the same quarter last year, suggesting a decrease in financing efficiency[44] Earnings Per Share - The bank's basic earnings per share increased to 0.54 RMB, a rise of 3.85% from 0.52 RMB in the same period last year[4] - The basic and diluted earnings per share for Q1 2025 were both CNY 0.54, up from CNY 0.52 in Q1 2024, reflecting a growth of 3.8%[33]

Financial Performance - Total assets reached CNY 1,146.748 billion, with operating income of CNY 25.936 billion and net profit attributable to shareholders of CNY 7.827 billion, indicating stable growth in operations [9]. - The company's operating income for 2024 reached RMB 25,935,801 thousand, representing a 4.57% increase compared to RMB 24,802,828 thousand in 2023 [35]. - Net profit attributable to shareholders of the parent company was RMB 7,826,575 thousand, up 4.87% from RMB 7,462,951 thousand in the previous year [35]. - The total assets increased by 12.42% to RMB 1,146,747,921 thousand from RMB 1,020,032,943 thousand in 2023 [35]. - The company's capital net worth grew by 15.00% to RMB 94,200,829 thousand compared to RMB 81,914,616 thousand in 2023 [36]. - The company's total revenue for the business segment was CNY 12,873,933 thousand in 2024, showing a year-on-year increase of 3.90% [162]. - The company reported a significant decline in investment income, which fell by 24.18% to RMB 3,110.22 million [62]. - The company reported a decrease in investment income for 2024, totaling 3.11 billion RMB, down 24.18% from the previous year [88]. Asset and Liability Management - The total liabilities increased by 12.05% to RMB 1,066,397,629 thousand from RMB 951,713,564 thousand in 2023 [36]. - The total amount of loans and advances was CNY 545.11 billion, growing by 11.61% year-on-year [106]. - The total amount of other debt investments surged by 99.05% to CNY 107.13 billion [110]. - The total amount of debt investments increased by 9.85% to RMB 272,281,367 thousand, compared to RMB 247,876,479 thousand in the previous year [118]. - The total amount of overdue loans was RMB 9.80 billion, representing 1.80% of the total loan portfolio [148]. - The balance of restructured loans decreased to RMB 3.97 billion, accounting for 0.73% of total loans, down from 0.83% in the previous year [150]. - The company's total assets reached CNY 1,225,639,460 thousand, with a leverage ratio of 6.39% as of December 31, 2024 [167]. Customer Engagement and Market Expansion - Wealth management assets under management (AUM) rose by 12.30%, with retail AUM increasing by 13.75%, indicating enhanced customer engagement [12]. - The bank has established a close relationship with over 18 million individual customers and more than 400,000 corporate clients, aiming to create a stable and sustainable value for customers and investors [16]. - The bank's retail financial services are evolving from "traffic" to "retention," with plans to enhance its product matrix and service models [19]. - The bank aims to increase the coverage rate of target customers in six trillion-yuan industrial chains in Hunan Province to 30% over the next three years, with a focus on key parks achieving a 60% coverage rate [19]. - The retail customer base expanded to 18.4423 million, an increase of 4.21% year-over-year [46]. - The company has expanded its presence in major cities, including Guangzhou and Changsha, to enhance market reach [199]. Risk Management and Compliance - Non-performing loan ratio maintained at a competitive level, showcasing effective risk management practices [14]. - The company is focusing on enhancing risk management culture and compliance mechanisms to strengthen operational stability [60]. - The bank's liquidity risk indicators are all better than regulatory requirements, ensuring stable business development [181]. - The bank has conducted liquidity risk stress tests and developed emergency plans to improve risk event response capabilities [181]. - The company emphasized a robust risk management framework, focusing on compliance and risk balance to support stable operations and healthy development [172]. Strategic Initiatives and Future Outlook - The bank aims to enhance its core capabilities to match strategic goals, focusing on innovation service, asset-liability management, digital support, organizational collaboration, comprehensive risk control, and cultural driving capabilities [18]. - The bank is transitioning from a focus on short-term fluctuations to long-term capability building and development foundation [18]. - The company plans to continue expanding its market presence through strategic acquisitions and partnerships [200]. - The company is focusing on technological advancements and new product development to drive future growth [200]. - The bank is committed to redefining its mission, customer, and talent values to accelerate the shift towards a quality value-driven development model [16].

长沙银行（601577）公告，2025年第一季度营收为68.09亿元，同比增长3.78%；净利润为21.73亿元， 同比增长3.81%。 ...

Core Viewpoint - The event held in Zhangjiajie aims to leverage financial support to enhance the development of the cultural and tourism industry, highlighting the strategic importance of this sector in Hunan Province's economy [1][3]. Group 1: Financial Support Initiatives - Changsha Bank has cumulatively issued over 70 billion yuan in various loans since its establishment, with over 4 billion yuan specifically for tourism-related loans, serving more than 220,000 individual clients and over 4,000 enterprises [3]. - The bank plans to create a "Tourism Ecological Bank" in Zhangjiajie, focusing on the entire tourism industry chain and developing tailored financing solutions such as "Tourism Loans" and "Accommodation Loans" [3][5]. - A new service project was launched to support the tourism industry chain, targeting the accommodation sector and travel agencies, with a comprehensive approach to enhance the tourism ecosystem in Zhangjiajie [5]. Group 2: Strategic Collaborations - Changsha Bank signed strategic cooperation agreements with the Zhangjiajie Municipal Government and three tourism enterprises, aiming for a collaborative effort to empower the local tourism industry [7]. - The Mayor of Zhangjiajie emphasized the importance of seizing opportunities and collaborating with Changsha Bank to secure financial support for tourism projects [7].

随着2024年报的持续披露，17家A股上市城商行中，已有14家成绩单"浮出水面"。 郑州银行营收同比降5.78%， 从资产质量情况看，截至去年末，10家银行不良贷款率有所下降，其他则与上年持平。其 中，郑州银行不良贷款率最高，为1.79%。此外，在拨备覆盖率上，北京银行和郑州银行位 居后两位，分别为208.75%、182.99%，虽已达标但仍存提升空间。 业绩快报整理 2024年，江苏银行营业收入继续位列上述14家银行榜首，实现营业收入808.15亿元；北京银 行、宁波银行排名次之，营收均超过600亿元；上海银行、南京银行位居第四位、第五位， 均超过500亿元。 同时，上述银行中仅厦门银行去年营收未及100亿元，为57.61亿元。不过，该行在2023年增 速为负，去年实现了正向增长。 而在14家上市城商行中，仅1家营业收入为负增长，即郑州银行，降幅为5.78%，同时，该 行营收座次亦降至第十一位。 年报显示，郑州银行去年实现利息净收入103.65亿元，较上年同比下降13.75亿元，降幅 11.71%，占营业收入80.49%。其中，业务规模调整导致利息净收入增加10.43亿元，收益率 或成本率变动导致利息净收入 ...

| 城商行 | 营业收入(亿) | 同比(%) | 归母净利润(亿) | 同比(%) | | --- | --- | --- | --- | --- | | 江苏银行 | 808.2 | 8.8 | 318.4 | 10.8 | | 宁波银行 | 666.3 | 8.2 | 271.3 | 6.2 | | 下通银行 | 529.9 | 4.8 | 235.6 | 4.5 | | 南京银行 | 502.7 | 11.3 | 201.8 | 9.1 | | 杭州银行 | 383.8 | 9.6 | 169.8 | 18.1 | | 长沙银行 | 259.4 | 4.6 | 79.8 | 6.9 | | 成都银行 | 229.8 | 5.9 | 128.6 | 10.2 | | 重庆银行 | 136.8 | 3.5 | 51.2 | 3.8 | | 城商行 | 资产总计(亿) | 同比 | 不良率(%) | 同比(自分点) | 拔音漫盖率(% | 同比(百分点) | | --- | --- | --- | --- | --- | --- | --- | | 江苏银行 | 39518.1 | 16.1% | 0.89 ...

证券代码：601577 证券简称：长沙银行 编号：2025-018 优先股代码：360038 优先股简称：长银优 1 长沙银行股份有限公司 关于发行金融债券的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 经中国人民银行批准，长沙银行股份有限公司（简称"本行"） 在全国银行间债券市场成功发行了"长沙银行股份有限公司 2025 年 小型微型企业贷款专项金融债券"。 本期债券于 2025 年 4 月 16 日簿记建档，并于 2025 年 4 月 18 日 完成发行缴款，发行规模为人民币 50 亿元，3 年期固定利率，票面 利率为 1.86%。 1 特此公告。 长沙银行股份有限公司董事会 2025 年 4 月 19 日 本期债券的募集资金将专项用于发放小型微型企业贷款，加大对 小型微型企业信贷支持力度，推动小型微型企业业务稳健、健康发展。 ...

Core Viewpoint - The performance of 14 out of 17 listed city commercial banks in China for 2024 shows resilience and growth despite challenges in the banking sector, with many banks leveraging regional advantages and differentiated business strategies to achieve notable results [1][2]. Revenue and Profit Growth - The average revenue growth rate for the 14 listed city commercial banks reached 5.31% year-on-year, with Nanjing Bank leading at 11.32% growth [2][3]. - Jiangsu Bank and Ningbo Bank achieved over 8% revenue growth despite a high base, supported by quality credit resources in the Jiangsu and Zhejiang regions [2][3]. Performance Summary of Listed City Commercial Banks - Jiangsu Bank: Revenue of 808.15 billion, up 8.78%; Net profit of 318.43 billion, up 10.76% [3]. - Beijing Bank: Revenue of 699.17 billion, up 4.81%; Net profit of 258.31 billion, up 0.81% [3]. - Ningbo Bank: Revenue of 666.31 billion, up 8.19%; Net profit of 271.27 billion, up 6.23% [3]. - Nanjing Bank: Revenue of 502.71 billion, up 11.32%; Net profit of 201.77 billion, up 9.05% [3]. - Zhengzhou Bank: Revenue decreased by 5.78% to 128.77 billion, attributed to weak corporate loan growth [3][4]. Asset Quality and Risk Management - Zhengzhou Bank reported a non-performing loan (NPL) ratio of 1.79%, higher than the average for city commercial banks, indicating a need for improvement in asset quality management [7]. - All 14 listed city commercial banks maintained a provision coverage ratio above the regulatory minimum of 150%, with Hangzhou Bank and Ningbo Bank showing exceptional performance [8][9]. Differentiated Business Strategies - City commercial banks are encouraged to adopt differentiated development strategies based on regional characteristics to enhance their business models [10]. - Ningbo Bank focuses on risk management in exchange rate and interest rate, achieving a 20.15% increase in institutional deposits [11]. - Beijing Bank plans to leverage digital products and services to enhance its business model in a low-interest environment [11].