Core Insights - Luzhou Bank reported a decrease in operating income to RMB 2.423 billion, down 14.57% year-on-year, with net interest income accounting for 78.30% of total revenue [1] - The net profit attributable to shareholders increased by 11.65% to RMB 902 million, with basic earnings per share at RMB 0.30 [1] - Total assets reached RMB 192.254 billion, growing by RMB 21.254 billion or 12.43% compared to the end of the previous year, primarily driven by an increase in customer loans [1] Financial Performance - Non-interest income was RMB 526 million, representing 21.70% of total revenue [1] - Total customer loans amounted to RMB 117.594 billion, an increase of RMB 13.666 billion or 13.15% year-on-year [1] - The net customer loans reached RMB 111.9 billion, up RMB 13.315 billion or 13.51% from the previous year [1] Loan Quality - Total loans stood at RMB 116.829 billion, reflecting a growth of 13.13% compared to the previous year [1] - Non-performing loans totaled RMB 1.384 billion, an increase of RMB 156 million year-on-year, with a non-performing loan ratio of 1.18%, down 0.01 percentage points from the previous year [1] Capital Adequacy - The capital adequacy ratio was 12.66%, a decrease of 0.46 percentage points from the previous year, exceeding regulatory requirements by 2.16 percentage points [2] - The Tier 1 capital adequacy ratio was 9.82%, down 0.33 percentage points year-on-year, also above the regulatory requirement by 1.32 percentage points [2] - The core Tier 1 capital adequacy ratio was 8.01%, a decline of 0.26 percentage points from the previous year, exceeding the regulatory requirement by 0.51 percentage points [2]
泸州银行(01983.HK)上半年净利增11.65%至9.02亿元