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泸州银行(01983) - 2022 - 年度业绩
Luzhou BankLuzhou Bank(HK:01983)2023-03-28 14:46

Financial Performance - Total assets of Luzhou Bank reached RMB 148.63 billion, with total customer loans amounting to RMB 83.18 billion and total customer deposits of RMB 109.45 billion as of December 31, 2022[8]. - Basic earnings per share increased to 0.26 from 0.24, reflecting a growth of 8.33% year-on-year[11]. - Net profit for 2022 was RMB 807,529 thousand, representing a 9.98% increase from RMB 734,257 thousand in 2021[12]. - The bank's operating income for 2022 was RMB 3,901,997 thousand, a 3.33% increase from RMB 3,776,319 thousand in 2021[12]. - The total deposits amounted to RMB 109.45 billion, reflecting a year-on-year growth of 15.49%[19]. - The total loans reached RMB 83.18 billion, with a year-on-year increase of 11.10%[19]. - The bank contributed RMB 888 million in taxes for the year, marking an 8.38% increase year-on-year, maintaining its status as the top taxpayer in Luzhou's financial sector for five consecutive years[19]. - In 2022, the company's pre-tax profit reached RMB 1,014.48 million, an increase of RMB 80 million, representing a growth of 8.58% compared to 2021[25]. - The bank's total expected credit loss for loans was RMB 971.89 million, a decrease from RMB 1.03 billion in the previous year[49]. Asset and Loan Growth - Total assets grew to RMB 148,629,827 thousand, reflecting a year-on-year increase of 10.50% from RMB 134,510,128 thousand in 2021[13]. - Customer loans net amount increased by 10.75% to RMB 79,999,395 thousand from RMB 72,236,192 thousand in 2021[13]. - Corporate loans totaled RMB 69.55 billion, reflecting an increase of RMB 8.67 billion or 14.25%, accounting for 83.61% of total customer loans, up 2.31 percentage points year-on-year[54]. - Personal loans reached RMB 12.46 billion, an increase of RMB 2.29 billion or 22.52%, representing 14.98% of total customer loans, up 1.4 percentage points year-on-year[56]. - The total amount of loans was RMB 82.83 billion, increasing by 10.95% year-on-year[75]. Risk Management and Asset Quality - The capital adequacy ratio as of the end of 2022 was 13.01%, down from 13.36% in 2021[14]. - The non-performing loan ratio increased to 1.53% in 2022 from 1.42% in 2021[13]. - The expected credit loss and other asset impairment losses for 2022 amounted to RMB 1.316 billion, a decrease of RMB 22 million or 1.65% compared to the previous year[48]. - The bank's total non-performing loans reached RMB 1,267,496 thousand, with an overall non-performing loan ratio of 1.53%[82]. - The proportion of normal loans decreased to 96.65% in December 2022 from 97.95% in December 2021, while the proportion of non-performing loans (including substandard, doubtful, and loss loans) increased[76]. Digital Transformation and Innovation - Luzhou Bank received the "Best Multi-Innovation Award for Mobile Banking" at the 2022 Digital Finance Innovation Release Week[10]. - The bank has made significant progress in digital transformation, receiving an award for outstanding contribution to digital transformation in the financial sector[16]. - The bank launched 8 new online credit products, bringing the total to 17, enhancing its technological support capabilities[19]. Customer Base and Market Expansion - The bank's customer base expanded to 1.29 million, with a notable increase of 140,000 customers from the beginning of the year, and a 343% year-on-year growth in acquiring customers[19]. - The total number of corporate banking customers reached 37,345, an increase of 6,110 customers year-on-year, representing a growth rate of 19.56%[121]. - Retail banking customers totaled 1.286 million, an increase of 132,000 customers or 11.44% compared to the end of 2021[123]. Governance and Management Structure - The bank's board includes 10 members, with the chairman being You Jiang, who has been in position since August 28, 2014[154]. - The bank's governance structure includes both executive and non-executive directors, ensuring a balanced approach to management[154]. - The bank's leadership structure reflects a commitment to experienced governance, with directors having significant industry experience[162][163]. - The bank's management team includes experienced professionals with extensive backgrounds in finance and management, such as Mr. Chen Yong, who has been with the bank since 2002 and currently serves as the General Manager of the Comprehensive Management Department[179]. Employee and Workforce Insights - The total number of employees at Luzhou Bank is 1,408, with an average age of 34.07 years[190]. - Employees aged 20 to 30 years account for 35.09% of the workforce, while those aged 30 to 40 years make up 43.11%[190]. - The gender distribution shows 43.61% male employees and 56.39% female employees, indicating a balanced gender ratio[194]. - The bank has 144 technology professionals, representing 10.23% of the total workforce[195].