证券代码：601577 证券简称：长沙银行 编号：2024-023 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 关于会计估计变更的公告 了全面优化，包含风险分组、阶段划分、风险计量参数、前瞻性模型 等内容，进一步提升了金融工具损失准备计提的风险敏感性、审慎性 与前瞻性。 一、概述 本次会计估计变更是本行根据监管要求和内部数据条件优化预 期信用损失模型而进行会计估计变更。 本行第七届董事会第十四次临时会议审议通过了《关于制定<长 沙银行股份有限公司预期信用损失法实施管理办法>及变更模型参数 的议案》，对预期信用损失模型进行优化并变更模型参数。本行第七 届董事会第十次会议审议通过了《关于长沙银行股份有限公司会计估 计变更事项的议案》，对会计估计变更事项进行了审议。此次会计估 计变更无需提交本行股东大会审议。 二、具体情况及对本行的影响 （一）会计估计变更的内容 为提升预期信用损失法实施水平，本行对预期信用损失模型进行 1 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: 根据《企业会计准则第 ...

Financial Performance - Operating income for Q1 2024 was RMB 6,561,015 thousand, representing a year-on-year increase of 7.89%[4] - Net profit attributable to shareholders was RMB 2,093,275 thousand, reflecting a growth of 5.75% compared to the same period last year[4] - Basic earnings per share for the quarter stood at RMB 0.52, an increase of 6.12% year-on-year[4] - Total operating revenue for Q1 2024 reached RMB 6,561,015 thousand, an increase of 7.9% compared to RMB 6,081,359 thousand in Q1 2023[25] - Net interest income rose to RMB 5,003,825 thousand, up from RMB 4,814,286 thousand, reflecting a growth of 3.9% year-over-year[25] - Net profit attributable to shareholders of the parent company was RMB 2,093,275 thousand, representing an increase of 5.8% from RMB 1,979,370 thousand in the same period last year[26] - Total comprehensive income for the period was RMB 2,274,961 thousand, compared to RMB 1,990,428 thousand in the previous year, indicating a growth of 14.3%[26] - Net profit for Q1 2024 was 2,000,710 thousand RMB, representing an increase of 7.4% from 1,862,143 thousand RMB in Q1 2023[33] - The company reported a total comprehensive income of 2,096,359 thousand RMB for Q1 2024, compared to 1,762,155 thousand RMB in Q1 2023, marking a growth of 19.0%[34] Assets and Liabilities - Total assets at the end of Q1 2024 reached RMB 1,061,303,340 thousand, up 4.05% from the end of the previous year[5] - Total liabilities amounted to RMB 990,777,080 thousand, an increase from RMB 951,713,564 thousand, indicating a growth of 4.1%[24] - The company's total equity reached RMB 70,526,260 thousand, up from RMB 68,319,379 thousand, reflecting a growth of 3.2%[24] - Total assets as of March 31, 2024, amounted to 1,019,943,073, an increase from 979,584,847 as of December 31, 2023[30] - Total liabilities increased to 953,296,632 as of March 31, 2024, compared to 915,034,765 at the end of 2023, reflecting higher borrowing[31] - The company reported a total equity of 66,646,441 as of March 31, 2024, up from 64,550,082 at the end of 2023, indicating growth in shareholder value[31] Loan and Deposit Metrics - The non-performing loan ratio remained stable at 1.15% as of March 31, 2024[13] - The total deposits absorbed amounted to RMB 676.41 billion, increasing by RMB 17.56 billion or 2.66% compared to the beginning of the year[20] - The total loans and advances issued reached RMB 522.32 billion, an increase of RMB 33.93 billion or 6.95% from the beginning of the year[20] - The non-performing loan ratio stood at 1.15%, with a provision coverage ratio of 313.26% and a loan-to-deposit ratio of 3.59%[21] Cash Flow and Liquidity - The bank reported a net cash flow from operating activities of -RMB 23,713,766 thousand, attributed to a decrease in customer deposits and interbank placements[15] - Net cash flow from operating activities for Q1 2024 was -23,713,766, compared to -12,328,943 in Q1 2023, indicating a decline in operational cash flow[27] - Cash inflow from financing activities reached 63,470,568 in Q1 2024, up from 59,495,041 in Q1 2023, showing strong financing support[28] - Net cash flow from financing activities was 27,457,839 in Q1 2024, compared to 18,030,325 in Q1 2023, indicating improved financial health[28] - The cash and cash equivalents balance at the end of Q1 2024 was 6,225,149, down from 35,612,342 at the end of 2023, highlighting liquidity challenges[28] Investment and Other Income - The company’s investment income decreased to RMB 767,591 thousand from RMB 967,539 thousand, a decline of 20.7%[25] - Other income increased to RMB 14,027 thousand from RMB 7,300 thousand, showing a growth of 92.9% year-over-year[25] - The company’s cash and deposits with the central bank amounted to RMB 50.47 billion as of March 31, 2024[23] - The company’s financial investments included trading financial assets of RMB 130.92 billion and debt investments of RMB 246.09 billion[23] - The company’s fixed assets were valued at RMB 14.23 billion, showing a decrease from RMB 14.91 billion at the end of 2023[23]

长沙银行股份有限公司董事会 关于独立董事独立性的专项意见 根据《上市公司独立董事管理办法》《上海证券交易所上市公司 自律监管指引第 1 号--规范运作》《银行保险机构公司治理准则》等 相关监管规定，本行在任独立董事开展了独立性自查工作。本行董 事会已收到每名独立董事就其独立性签署的自查文件，并对其独立 性进行评估，出具如下专项意见： 经核查本行在任独立董事的任职情况及签署的相关自查文件，本 行董事会认为，2023 年度本行独立董事郑超愚先生、张颖先生、易骆 之先生和王丽君女士符合《上市公司独立董事管理办法》《上海证券 交易所上市公司自律监管指引第 1 号--规范运作》《银行保险机构公 司治理准则》等监管规定中独立董事独立性相关要求，不存在可能影 响其独立性的情形。 长沙银行股份有限公司董事会 2024 年 4 月 27 日 1 ...

长沙银行股份有限公司第七届董事会 独立董事 2024 年第 2 次专门会议决议 经审议，独立董事认为：本行建立了较为完善的法人治理结构， 内部控制体系较为健全，报告全面、客观、真实地反映了本行内部控 制体系建设和运作的实际情况。 全体独立董事同意将本议案提交本行第七届董事会第十次会议 审议。 1 表决情况：同意 4 票，反对 0 票，弃权 0 票。 长沙银行股份有限公司（以下简称"本行"）第七届董事会独立 董事 2024 年第 2 次专门会议于 2024 年 4 月 24 日以书面传签表决方 式召开。会议由独立董事易骆之召集并主持。会议应出席独立董事 4 人，实际出席独立董事 4 人。董事会秘书彭敬恩列席本次会议。会议 的召开符合《中华人民共和国公司法》《中华人民共和国证券法》《银 行保险机构公司治理准则》《上市公司独立董事管理办法》等法律法 规、监管规定。会议对以下事项进行了审议并表决： 一、长沙银行股份有限公司 2023 年度利润分配预案 经审议，独立董事认为：本行 2023 年度利润分配预案符合法律 法规、监管规定关于利润分配和现金分红的相关要求，既考虑了保障 内源性资本的持续补充以支持银行业务的持续健 ...

关于长沙银行股份有限公司会计估计变更的说明 天健函〔2024〕2-39 号 上海证券交易所： 我们接受委托，审计了长沙银行股份公司（以下简称长沙银行）2023 年度 的财务报表，并出具了《审计报告》（天健审〔2024〕2-203 号）。根据上海证 券交易所相关要求，现将长沙银行有关会计估计变更事项说明如下： 经长沙银行第七届董事会第十四次临时会议审议通过，根据外部经济环境变 化、内部数据和风险计量技术完善，长沙银行对预期信用损失计量模型进行了优 化。遵循会计准则精神，此次变更旨在强化信用风险区分度，提升预期信用损失 计量的精细化程度。 本次会计估计变更减少长沙银行 2023 年度税前利润人民币 0.55 亿元。本次 会计估计变更对长沙银行当期净利润、总资产和净资产不产生重大影响。 根据《企业会计准则第 28 号——会计政策、会计估计变更和差错更正》的 规定，本次会计估计变更采用未来适用法无需对已披露的财务报告进行追溯调整， 对长沙银行以往各期财务状况和经营成果不会产生重大影响。 特此说明。 天健会计师事务所（特殊普通合伙） 中国注册会计师： 中国·杭州 中国注册会计师： 二〇二四年四月二十五日 第 1 页 共 ...

Financial Performance - Annual operating income reached 24.803 billion yuan, with a net profit attributable to shareholders of 7.463 billion yuan[5]. - Operating income for 2023 reached RMB 24,802,828 thousand, an increase of 8.46% compared to RMB 22,867,614 thousand in 2022[26]. - Net profit attributable to shareholders of the parent company was RMB 7,462,951 thousand, reflecting a growth of 9.57% from RMB 6,811,255 thousand in the previous year[26]. - The net cash flow from operating activities surged by 114.66% to RMB 42,341,447 thousand, compared to RMB 19,724,754 thousand in 2022[26]. - The bank's total equity reached CNY 68.32 billion, reflecting a growth of 9.89% year-over-year[118]. - The company achieved operating revenue of 24.80 billion RMB in 2023, a year-on-year increase of 8.46%[67]. - The bank's profitability indicators remain at a relatively high level, supported by a diversified and reasonable profit structure[165]. Asset and Liability Management - Total assets of Bank of Changsha exceeded 1 trillion yuan, achieving this milestone two years ahead of schedule[5]. - Total assets as of December 31, 2023, amounted to RMB 1,020,032,943 thousand, up from RMB 904,733,493 thousand at the end of 2022[26]. - The total liabilities increased to RMB 951,713,564 thousand, compared to RMB 842,561,236 thousand in the previous year[27]. - The total amount of deposits reached RMB 658,856,634 thousand, marking a 13.86% increase from RMB 578,647,988 thousand in 2022[27]. - The bank's asset-liability structure has become increasingly reasonable, with deposits and loans maintaining a high and stable proportion of total liabilities and total assets[165]. Loan and Credit Management - The total amount of loans and advances was RMB 488,391,053 thousand, reflecting a growth of 14.64% from RMB 426,038,392 thousand in 2022[27]. - The bank's loan balance in county areas increased to RMB 169.70 billion, a growth of RMB 27.39 billion or 19.25%[32]. - The bank's total loans reached RMB 488.39 billion, with a non-performing loan (NPL) balance of RMB 55.97 billion, resulting in an NPL ratio of 1.15%, a slight decrease of 0.01 percentage points from the previous year[97]. - The bank's credit commitments increased to RMB 84,372,454 thousand as of December 31, 2023, compared to RMB 82,202,878 thousand in 2022, with bank acceptance bills at RMB 43,300,084 thousand[128]. Customer Base and Market Presence - Retail customer base grew to 17.6979 million, with one in four residents in Hunan being a customer of the bank[6]. - The number of online banking customers exceeded 10 million, with WeChat transaction volume ranking first among urban commercial banks in the country[8]. - Wealth management clients increased to 1.1797 million, a growth of 200,300 or 20.45%[35]. - The bank's wealth management client base reached 1.1797 million, an increase of 200,300 clients or 20.45% year-over-year[158]. Digital Transformation and Innovation - The bank received the "Best Digital Marketing Award" from CFCA 2023 Digital Finance Gold List, reflecting its strong digital transformation efforts[8]. - The bank's digital operations included over 1,000 activities, reaching more than 7 million customers[8]. - The bank aims to establish a comprehensive digital operating system within three years, focusing on a fully domestic big data infrastructure[11]. - The bank's innovative AI technologies, including a proprietary AI model engine, enhanced operational efficiency and risk management capabilities, improving fraud detection effectiveness by 2.26 times[159]. Risk Management - The bank's risk management strategy emphasizes compliance and risk balance, with a focus on enhancing credit risk management mechanisms and improving risk identification and assessment processes[129]. - The bank has established a comprehensive operational risk management system, enhancing risk identification, assessment, and control processes[132]. - The liquidity coverage ratio as of December 31, 2023, was 221.68%, significantly above regulatory requirements[137]. - The bank's expected credit loss management system has been improved, with a focus on optimizing model parameters to enhance risk sensitivity and stability[131]. Awards and Recognition - The bank created investment returns of 1.553 billion CNY for clients throughout the year, earning the "Golden Bull Award" from China Securities Journal[8]. - The bank received multiple awards, including "Best Digital Marketing Award" at the 2023 Digital Finance Annual Ceremony[25]. - In the "2023 Global Bank 1000" list published by The Banker, the company ranked 186th[21]. - The company ranked 36th in the "2023 China Banking Industry Top 100" list released by the China Banking Association[21]. Strategic Development and Future Outlook - The bank's new ten-year strategy emphasizes innovation-driven development and customer-centric services, aiming to build a modern ecological bank[10]. - The bank has set a new ten-year strategy (2024-2033) and a three-year development plan (2024-2026) to achieve higher quality growth[169]. - The bank anticipates a stable economic recovery in 2024, supported by favorable macroeconomic policies and a focus on innovation and regional development[166]. - The bank plans to enhance its core competitiveness by focusing on differentiated development paths and supporting small and micro enterprises[168].

证券代码：601577 证券简称：长沙银行 编号：2024-024 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 第七届监事会第十次会议决议公告 本行监事会及全体监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。 长沙银行股份有限公司（以下简称"本行"）于 2024 年 4 月 15 日 以电子邮件和书面方式发出关于召开第七届监事会第十次会议的通知， 会议于 2024 年 4 月 25 日上午在长沙银行总行 33 楼 3301 会议室召开。 会议由白晓监事长主持，会议应出席监事 5 人，实际出席监事 5 人。会 议的召开符合《中华人民共和国公司法》《中华人民共和国证券法》等 法律、行政法规、部门规章、规范性文件及《公司章程》的有关规定， 会议所形成的决议合法、有效。 会议对以下议案进行了审议并表决： 二、长沙银行股份有限公司 2023 年度董事履职评价报告 表决情况：同意 5 票，弃权 0 票，反对 0 票。 本议案尚须提交本行股东大会审议。 三、长沙银行股份有限公司 2023 年度监事履职评价报告 表决情况：同意 5 票 ...

证券代码：601577 证券简称：长沙银行 编号：2024-020 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 2023 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 0.38 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。 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 1,528,190 千元，占本行归属于母公司普通股股 东净利润的 21.39%。 一、利润分配预案内容 经天健会计师事务所（特殊普通合伙）审计，截至 2023 年 12 月 31 日，本行可供投资者分配利润 29,066,235 千元。经董事会决议， 本行 ...

目 录 一、非经营性资金占用及其他关联资金往来情况的专项 审计说明…………………………………………………………第 1—2 页 二、非经营性资金占用及其他关联资金往来情况汇总表 ……………第 3 页 非经营性资金占用及其他关联资金往来情况的 专项审计说明 天健审〔2024〕2-205 号 第 1 页 共 3 页 证其内容真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏。 三、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长沙银行管理层编制的汇总表发 表专项审计意见。 四、工作概述 长沙银行股份有限公司全体股东： 我们接受委托，审计了长沙银行股份有限公司（以下简称长沙银行）2023 年度财务报表，包括 2023 年 12 月 31 日的合并及母公司资产负债表，2023 年度 的合并及母公司利润表、合并及母公司现金流量表、合并及母公司所有者权益变 动表，以及财务报表附注，并出具了审计报告。在此基础上，我们审计了后附的 长沙银行管理层编制的 2023 年度《非经营性资金占用及其他关联资金往来情况 汇总表》（以下简称汇总表）。 一、对报告使用者和使用目的的限定 本报告仅供长沙银行年度报告披露时使用，不得用 ...

长沙银行股份有限公司董事会审计委员会 2023 年度履职情况报告 根据《银行保险机构公司治理准则》《上市公司治理准则》《上 海证券交易所股票上市规则》《上海证券交易所上市公司自律监管指 引第 1 号——规范运作》等监管规定和本行《公司章程》《审计委员 会工作规则》的相关要求，长沙银行股份有限公司董事会审计委员会 恪尽职守，认真履职，为董事会科学决策提供了有力保障。现将董事 会审计委员会 2023 年度履职情况报告如下： 一、审计委员会基本情况 截至 2023 年末，长沙银行股份有限公司（以下简称"本行"） 董事会审计委员会由独立董事王丽君、张颖和董事李晞组成，主任委 员由独立董事王丽君担任。本行审计委员会独立董事的占比超过二分 之一，符合监管要求，三名委员均具备履行审计委员会工作职责的专 业知识和经验。 二、审计委员会会议召开情况 2023 年，董事会审计委员会共召开 8 次会议，会议的召开程序、 表决方式和审议的议题均符合相关法律法规、本行公司章程以及审计 委员会工作规程的规定。会议听取或审议通过 19 项议题，包括财务 报告、聘请会计师事务所事项、内部审计年度工作报告及计划、专项 审计报告、内部控制评价报 ...