Brand Value and Recognition - The bank's brand value increased from RMB 16.698 billion in 2022 to RMB 17.51 billion in 2023[12] - The bank received the title of "Demonstration Enterprise for Corporate Governance" from the Hunan State-owned Assets Supervision and Administration Commission[12] - The bank's remote banking department was awarded the title of "National May Fourth Red Flag Youth League Branch"[12] - The bank was recognized as an "Outstanding" entity in the evaluation of services for rural revitalization by the People's Bank of China Changsha Central Sub-branch[12] Financial Performance - The company's operating revenue for the first half of 2023 was RMB 12,623.92 million, representing a year-on-year increase of 12.12% compared to RMB 11,259.45 million in the same period of 2022[13] - Net profit attributable to shareholders of the parent company reached RMB 3,961.82 million, up 10.61% from RMB 3,581.75 million in the first half of 2022[13] - The bank achieved operating income of RMB 12.62 billion in the first half of 2023, an increase of 12.12% year-on-year[31] - Net profit attributable to shareholders reached RMB 3.96 billion, up 10.61% compared to the same period last year[32] - The bank's net profit for the first half of 2023 showed a positive trend, reflecting the recovery of the macroeconomic environment with a GDP growth of 6.3% in Q2[135] Asset and Liability Management - The total assets of the company as of June 30, 2023, amounted to RMB 998,247.97 million, an increase of 10.34% from RMB 904,733.49 million at the end of 2022[15] - The total liabilities reached CNY 933.17 billion, an increase of CNY 90.61 billion or 10.75% compared to the end of the previous year, primarily due to growth in deposits and bonds payable[75] - Customer deposits totaled CNY 616.69 billion, reflecting a growth of 6.57% year-on-year, with personal customer deposits increasing by 11.96%[77] - The bank's total assets amounted to CNY 998.25 billion, representing a growth of 10.34% compared to the previous year[61] Loan and Deposit Growth - The company’s loan issuance and advances totaled RMB 477,775.85 million, marking a 12.14% increase from RMB 426,038.39 million at the end of 2022[15] - County deposits reached CNY 191.07 billion, an increase of CNY 14.73 billion, or 8.35% year-over-year[20] - County loans amounted to CNY 161.54 billion, up CNY 19.23 billion, or 13.52% year-over-year[20] - Personal deposit balance reached CNY 304.41 billion, an increase of CNY 32.53 billion, or 11.96% year-over-year[22] - Corporate deposit balance reached CNY 292.13 billion, an increase of CNY 6.27 billion, or 2.19% year-over-year[23] Risk Management - The bank has taken measures to effectively manage and control various operational risks, including credit risk and market risk[2] - The bank's risk management framework has been strengthened, focusing on credit risk management across various dimensions[30] - The bank has enhanced its credit risk management by utilizing digital risk control for timely warnings and regular inspections, aiming to reduce non-performing loans[108] - The bank has established a robust operational risk management system, including a risk assessment checklist for key businesses and products[109] Digital Transformation and Innovation - The bank is enhancing its digital risk control system, significantly improving modeling efficiency and monitoring capabilities[30] - The bank has implemented a digital transformation strategy, enhancing its asset management platform and launching various business systems[136] - Business processing efficiency improved by 600%, with RPA adding 10 new business scenarios and OCR achieving an average character recognition accuracy of 96.10%[139] - Intelligent outbound calls reached 14.13 million, a year-on-year increase of 347.96%, replacing 33,700 hours of manual work[139] Environmental and Social Responsibility - The company actively supports green industry projects and aims to enhance its role in promoting local economic green development and low-carbon transformation[155] - The total amount of funds raised for green financial bonds was CNY 5 billion, allocated to 43 projects[157] - The average electricity, water, and gas consumption per capita in the headquarters building decreased by 2.71%, 11.23%, and 9.68% respectively, with air conditioning energy savings of 300,000 kWh compared to the same period last year[157] Shareholder and Governance Structure - The company has maintained a stable shareholder structure with no changes in the top ten preferred shareholders during the reporting period[187] - The largest shareholder, Changsha Finance Bureau, holds 676,413,701 shares, accounting for 16.82% of the total shares[175] - The company has no significant changes in accounting policies or estimates during the reporting period[172] - The company has renewed the appointment of Tianjian Accounting Firm as its auditing institution for the year 2023[171] Financial Reporting and Compliance - The financial report for the first half of 2023 is unaudited and was reviewed by Tianjian Accounting Firm[190] - The report includes detailed financial data from January 1 to June 30, 2023[192] - The company has not identified any significant misstatements in the financial statements according to the review conducted[194] - The company has not faced any administrative penalties due to environmental issues during the reporting period[153]

本行的上述关联交易事项符合国家金融监督管理总局等监管部 门要求，符合《长沙银行股份有限公司关联交易管理办法》等相关规 定，董事会在审议该关联交易议案时，关联董事回避表决，表决程序 合法合规，一致同意上述议案。 独立董事：郑超愚、张颖、易骆之、王丽君 长沙银行股份有限公司独立董事 关于关联交易事项的独立意见 根据《中华人民共和国公司法》《上市公司独立董事规则》《上海 证券交易所股票上市规则》《关于在上市公司建立独立董事的指导意 见》《银行保险机构关联交易管理办法》等法律、行政法规、部门规 章及规范性文件，以及《长沙银行股份有限公司章程》和《长沙银行 股份有限公司关联交易管理办法》等有关规定，作为长沙银行股份有 限公司（以下简称"本行"）的独立董事，我们对《关于长沙银行股 份有限公司与湖南长银五八消费金融股份有限公司关联交易的议案》 发表独立意见如下： 本行本次给予湖南长银五八消费金融股份有限公司（以下简称 "长银五八"）授信额度人民币 66 亿元，根据国家金融监督管理总局 的相关规定，该交易事项纳入关联交易管理。本次给予长银五八的授 信属于正常经营范围内发生的常规业务，遵循市场化定价原则，以不 优于对非关联方同 ...

证券代码：601577 证券简称：长沙银行 编号：2023-040 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 关于关联交易事项的公告 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。 回避表决事宜：本行董事李晞回避表决。 本次关联交易属于本行日常业务经营中的正常授信业务，对本 行的正常经营活动及财务状况不构成重要影响。 一、关联交易概述 重要内容提示： 长沙银行股份有限公司（以下简称"本行"）此次给予湖南长 银五八消费金融股份有限公司（以下简称"长银五八"）授信额度人 民币 66 亿元。根据《银行保险机构关联交易管理办法》要求，该关 联交易须提交董事会审议。 本行于 2023 年 8 月 23 日召开第七届董事会第七次会议，审议通 过了《关于长沙银行股份有限公司与湖南长银五八消费金融股份有限 公司关联交易的议案》，董事李晞回避表决，董事会同意本行给予本 行控股子公司长银五八授信额度人民币 66 亿元，其中同业授信额度 66 亿元（含存量），授信期限 1 年。 长银五八为本行合并报表范围内的控股子公司， ...

重要内容提示： 股东大会召开日期：2023年9月12日 证券代码：601577 证券简称：长沙银行 公告编号：2023-041 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 关于召开 2023 年第二次临时股东大会的通知 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。 本次股东大会采用的网络投票系统：上海证券交易所股东大会 网络投票系统 一、 召开会议的基本情况 (一) 股东大会类型和届次 2023 年第二次临时股东大会 (二) 股东大会召集人：董事会 (三) 投票方式：本次股东大会所采用的表决方式是现场投票和 网络投票相结合的方式 (四) 现场会议召开的日期、时间和地点 召开的日期时间：2023 年 9 月 12 日 14 点 00 分 召开地点：湖南省长沙市岳麓区滨江路 53 号楷林商务中心 B 座 长沙银行总行 1908 会议室 (五) 网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 1 网络投票起止时间：自 2023 年 9 月 12 日 至 2023 年 ...

证券代码：601577 证券简称：长沙银行 编号：2023-042 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 第七届监事会第七次会议决议公告 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"或"公司"）于 2023 年 8 月 11 日以电子邮件和书面方式发出关于召开第七届监事会第七 次会议的通知，会议于 2023 年 8 月 23 日上午在总行 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： 一、长沙银行股份有限公司金融消费者权益保护工作管理办法 表决结果：同意 5 票，弃权 0 票，反对 0 票。 二、《长沙银行股份有限公司 2023 年半年度报告》及摘要 表决结果：同意 5 票，弃权 0 票，反对 0 票。 监 ...

证券代码：601577 证券简称：长沙银行 编号：2023-038 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 第七届董事会第七次会议决议公告 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。 长沙银行股份有限公司（以下简称"本行"）第七届董事会第七次 会议于 2023 年 8 月 23 日上午在长沙银行总行 33 楼 3315 会议室以现 场加视频方式召开。会议应出席董事 11 人，实际出席董事 10 人，董事 黄璋授权委托董事长赵小中代为行使表决权。会议由董事长赵小中主持。 监事会监事长白晓，监事龚艳萍、兰萍、张学礼、朱忠福，总审计师向 虹、董事会秘书彭敬恩、首席风险官黄建良列席本次会议。本行股东湖 南新华联建设工程有限公司股权质押比例超过 50%，根据监管规定对其 派出董事冯建军在董事会上的表决权进行限制。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： ...

长沙银行股份有限公司独立董事 关于关联交易事项的事前认可声明 根据《中华人民共和国公司法》《上市公司独立董事规则》《上海 证券交易所股票上市规则》《关于在上市公司建立独立董事的指导意 见》《银行保险机构关联交易管理办法》等法律、行政法规、部门规 章及规范性文件，以及《长沙银行股份有限公司章程》和《长沙银行 股份有限公司关联交易管理办法》等有关规定，作为长沙银行股份有 限公司（以下简称"本行"）的独立董事，我们对《关于长沙银行股 份有限公司与湖南长银五八消费金融股份有限公司关联交易的议案》 进行了事前审阅，基于独立客观的立场，本着审慎负责的态度，发表 事前认可意见如下： 本行给予湖南长银五八消费金融股份有限公司授信额度人民币 66 亿元的关联交易事项属于商业银行的正常授信业务，遵循市场化 定价原则，以不优于对非关联方同类交易的条件进行，没有损害本行 和股东、特别是中小股东的利益，符合关联交易管理要求的公允性原 则，不影响本行独立性。 2023 年 8 月 25 日 1 同意将《关于长沙银行股份有限公司与湖南长银五八消费金融股 份有限公司关联交易的议案》提交本行第七届董事会第七次会议审议。 独立董事：郑超愚、张颖 ...

Financial Performance - Total assets of Bank of Changsha exceeded 900 billion RMB, with operating income of 22.868 billion RMB and net profit attributable to shareholders of 6.811 billion RMB in 2022[6]. - The total operating income for 2022 was RMB 22,867,614 thousand, representing a 9.58% increase from RMB 20,867,848 thousand in 2021[26]. - The net profit attributable to shareholders of the parent company reached RMB 6,811,255 thousand, an increase of 8.04% compared to RMB 6,304,376 thousand in 2021[26]. - The net cash flow from operating activities significantly increased to RMB 19,724,754 thousand, a 446.32% rise from RMB 3,610,500 thousand in 2021[26]. - The bank's basic earnings per share for 2022 was RMB 1.61, compared to RMB 1.55 in 2021[26]. - The bank's total revenue for corporate business in 2022 was RMB 10.86 billion, a year-on-year increase of 7.32%[115]. - The bank's total revenue from personal business in 2022 was RMB 8.90 billion, showing a growth of 23.55% year-on-year[115]. - The bank's net profit for 2022 contributed to an increase in retained earnings, which reached RMB 25.85 billion, up 16.14% from the previous year[114]. Asset Quality - Non-performing loan ratio stood at 1.16%, indicating a stable asset quality[6]. - The bank's non-performing loan (NPL) balance was 4.94 billion RMB, with an NPL ratio of 1.16%, a decrease of 0.04 percentage points from the previous year[94]. - Provision coverage ratio rose to 311.09%, an increase of 13.22 percentage points year-on-year, enhancing risk resistance[31]. - The overdue loans amounted to RMB 6.39 billion, accounting for 1.50% of the total loans, a decrease of 0.28 percentage points from the previous year[104]. - The ratio of overdue loans over 60 days to non-performing loans was 82.41%, indicating a strong performance in managing overdue loans[105]. Loan and Deposit Growth - Corporate loan balance reached 240.978 billion RMB, a year-on-year increase of 19.30%, with 390,900 corporate clients served[8]. - Inclusive small and micro enterprise loans amounted to 49.426 billion RMB, with a year-on-year increase of 106.48 million RMB, serving 66,483 clients[8]. - Retail customer base grew to 16.5687 million, with one in four residents in Hunan being a customer of the bank[9]. - County-level deposits reached CNY 176.34 billion and loans reached CNY 142.31 billion, significantly leading the growth rate across the bank and the industry[11]. - Retail customer deposits reached CNY 271.88 billion, up CNY 59.72 billion or 28.15% year-on-year[33]. - The bank's corporate deposits reached CNY 285.859 billion, an increase of CNY 2.776 billion, or 0.98% year-over-year[35]. - Personal consumption loan balance increased to CNY 55.58 billion, a growth of 27.68% year-on-year[34]. Digital Transformation and Innovation - The bank has implemented a "3+2" model for its ecological banking strategy, focusing on three business ecosystems and two supporting ecosystems[7]. - The bank aims to enhance its digital governance ecosystem and expand into public services such as social security and taxation[8]. - The number of online banking users approached 10 million, with WeChat payment transaction volume ranking first among national city commercial banks[12]. - The bank launched innovative products such as Xiangnong Cloud Guarantee and High-Standard Farmland Construction Loan, promoting the transformation of county-level business towards industrial finance[11]. - The bank's digital risk management has improved, with a self-built anti-fraud system identifying hundreds of fraudulent customer events within two months, avoiding potential losses of several million CNY[12]. Awards and Recognition - The Bank of Changsha ranked 191st in the "2022 Global Top 1000 Banks" list published by The Banker magazine[24]. - The bank was placed 163rd in the "2022 Global Brand Value of Banks" list by The Banker magazine[24]. - It achieved 36th position in the "2022 Top 100 Chinese Banks" list released by the China Banking Association[24]. - The bank secured 7th place in the city commercial banks category in the 2022 "Gyro" evaluation results by the China Banking Association[24]. - The bank received multiple awards in 2022, including "Outstanding Contribution Bank for Rural Revitalization" and "Most Socially Responsible Listed Company" in China[28]. Governance and Management - The company maintains complete independence from its largest shareholder in business, personnel, assets, institutions, and finance[167]. - The company has established an independent financial accounting department and a financial management system, ensuring no shared bank accounts with the largest shareholder[171]. - The company has a clear ownership structure and has optimized its board composition to ensure effective decision-making[166]. - The company has implemented a series of governance measures, including the "Major Matters Reporting System" and "Independent Director Work System" to enhance board effectiveness[166]. - The bank's management team has extensive experience in various financial institutions, with key positions held in the People's Bank of China and China Construction Bank[179]. Strategic Focus and Future Plans - The bank aims to enhance its comprehensive service capabilities, transitioning from a single financial intermediary to a comprehensive service platform[160]. - The bank plans to focus on zero-carbon finance as part of its strategy to meet diverse financing needs[160]. - The bank anticipates a steady increase in credit demand due to improved market confidence and rising financing needs in the real economy[157]. - The bank will actively support high-quality economic development and recovery by optimizing its credit structure[159]. - The bank's strategy includes enhancing financial services to promote common prosperity and improve income distribution[159].

Financial Performance - The total operating income for Q1 2023 was RMB 6,081,359 thousand, representing a year-on-year increase of 12.88%[4] - The net profit attributable to shareholders was RMB 1,979,370 thousand, an increase of 8.68% compared to the same period last year[4] - The net profit after deducting non-recurring gains and losses was RMB 2,024,754 thousand, reflecting an 11.20% increase year-on-year[4] - The company reported a net cash flow from operating activities of -RMB 12,328,943 thousand, primarily due to an increase in customer loans and advances[14] - The company reported a total operating income of RMB 6.08 billion in Q1 2023, representing a year-on-year growth of 12.88%[20] - The net profit attributable to shareholders for Q1 2023 was RMB 1.98 billion, reflecting an increase of 8.68% year-on-year[20] - Net interest income rose to 4,814,286, up from 4,153,772, reflecting a growth of 15.9% year-over-year[25] - Net profit for Q1 2023 reached 2,090,416, representing an increase of 10.9% from 1,885,645 in Q1 2022[25] - The company reported a total operating expense of 2,945,490 for Q1 2023, up from 2,654,569 in Q1 2022, reflecting an increase of approximately 11%[32] Asset and Liability Management - The total assets at the end of Q1 2023 reached RMB 954,443,695 thousand, up 5.49% from the end of the previous year[5] - The total assets of the company reached RMB 954.44 billion, an increase of 5.49% compared to the beginning of the year[19] - The total liability of 890,281,010, an increase of 5.6% from 842,561,236 in the previous year[25] - Total liabilities as of March 31, 2023, were 857,467,304, an increase from 810,973,068 at the end of 2022, representing a rise of approximately 5.7%[30] - The company’s total equity as of March 31, 2023, was 60,841,710, compared to 59,079,555 at the end of 2022, indicating a growth of about 3%[30] Loan and Deposit Growth - The total deposits increased by RMB 255.48 billion to RMB 604.20 billion, marking a growth of 4.42%[20] - The total loans and advances increased by RMB 311.04 billion to RMB 457.14 billion, with a growth rate of 7.30%[20] - The total loan amount was RMB 457,142,042 thousand, with normal loans accounting for 97.33%[12] - The company recorded a significant increase in customer deposits and interbank placements, with a net increase of 26,289,042 compared to 14,226,776 in Q1 2022[27] - The cash inflow from customer deposits and interbank deposits increased to 25,993,030 from 13,532,513, a growth of about 92%[34] Asset Quality and Risk Management - The non-performing loan ratio remained stable at 1.16% as of March 31, 2023[12] - The non-performing loan ratio stood at 1.16% as of the end of Q1 2023, indicating effective asset quality control[20] - The provision coverage ratio was reported at 312.26%, ensuring a strong buffer against potential loan losses[20] Cash Flow Analysis - Cash flow from operating activities showed a net outflow of -12,328,943, worsening from -5,276,123 in the same period last year[27] - The net cash flow from financing activities for Q1 2023 was 18,030,325, significantly higher than 2,374,898 in Q1 2022[28] - The net cash flow from financing activities was 18,055,726, compared to 2,374,518 in the same quarter last year, showing a substantial improvement[35] - The net cash flow from operating activities was -11,409,003, compared to -8,101,472 in Q1 2022, indicating a decline of approximately 40.5% year-over-year[34] - The net cash flow from investment activities was -12,980,664, contrasting with a positive 6,236,805 in Q1 2022, representing a significant shift[34] Shareholder Information - The company had a total of 36,291 ordinary shareholders at the end of the reporting period[15] - The company has 25 preferred shareholders as of the end of Q1 2023[18] - The top 10 preferred shareholders hold a total of 84 million shares, accounting for 14.00% of the total preferred shares[18] Other Financial Metrics - The core tier 1 capital adequacy ratio was 9.35%, an increase from 9.22% at the end of 2022[8] - The liquidity coverage ratio was 197.32%, indicating strong liquidity position[10] - The company experienced a foreign exchange loss of -76,374 in Q1 2023, compared to a gain of 29,578 in Q1 2022[32] - Other comprehensive income after tax for the parent company was -99,988, compared to -27,412 in the previous year, indicating a decline[26] - The cash outflow for investment activities rose significantly to 35,773,473 from 19,050,333, indicating an increase of approximately 88% year-over-year[34]

证券代码：601577 证券简称：长沙银行 编号：2023-021 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 2022 年度业绩说明会预告的公告 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： 会议内容：2022年度业绩说明会 会议时间：2023年5月9日15:00-16:30 会议形式：现场方式 一、说明会类型 长沙银行股份有限公司（以下简称"本行"）将于 2023 年 4 月 29 日披露 2022 年年度报告，并于 2023 年 5 月 9 日召开 2022 年度业 绩说明会，就投资者关心的经营业绩、发展战略、利润分配预案等事 项进行沟通交流。 形式：现场方式 地点：长沙市岳麓区滨江路楷林商务中心C座2楼会议室。 三、参加人员 董事长、行长、董事会秘书以及相关行领导、部门负责人。 四、投资者参加方式 欢迎投资者参加本次业绩说明会，投资者可于2023年5月5日17： 30 前 将 相 关 问 题 通 过 电 子 邮 件 的 形 式 发 送 至 本 行 邮 箱 ： banko ...