香港交易及結算所有限公司及香港聯合交易所有限公司對本公告內容概不負責，對其準確性或 完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：1983） 截至2023年6月30日止六個月之中期業績公告 瀘州銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈本行截至2023年6月 30日止六個月之未經審計中期業績。本中期業績公告列載本行2023年中期報告全 文，並符合香港聯合交易所有限公司證券上市規則中有關中期業績初步公告附載 的資料之要求。 本行2023年中期報告的印刷版本將於適當時候寄發予本行股東，屆時亦可在香港 交易及結算所有限公司網站www.hkexnews.hk 及本行網站www.lzccb.cn 閱覽。 | --- | --- | |-------|------------------------| | | | | | | | | 承董事會命 | | | 瀘州銀行股份有限公司 * | | | 董事長 | | | 游江 | 中國瀘州，2023年8月17日 截至本公告日期，董事 ...

泸州银行股份有限公司 ＬＵＺＨＯＵ ＢＡＮＫ Ｃｏ．, ＬＴＤ. 泸州银行股份有限公司* Luzhou Bank Co., Ltd.* （於中華人民共和國註冊成立的股份有限公司） 股份代號：1983 (A joint stock company incorporated in the People's Republic of China with limited liability) Stock Code: 1983 2022 ANNUAL REPORT 年度報告 * 瀘州銀行股份有限公司並非香港法例第155章《銀行業條例》所指認可機構，不受香港金融管理局的監督，亦不獲授權在香 港經營銀行╱接受存款業務。 * Luzhou Bank Co., Ltd. is not an authorised institution within the meaning of the Banking Ordinance (Chapter 155 of the Laws of Hong Kong), not subject to the supervision of the Hong Kong Monetary Authori ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告內容概不負責，對其準確性或 完整性亦不發表任何聲明，並明確表示，概不會就本公告全部或任何部分內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：1983） 2022年度業績公告 瀘州銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈本行截至2022年12 月31日止年度之經審計的綜合年度業績。本業績公告列載本行2022年度報告全 文，並符合香港聯合交易所有限公司證券上市規則中有關年度業績初步公告附載 的資料之要求。 本行2022年年度報告的印刷版本將於適當時候寄發予本行股東，屆時亦可在香港 | --- | --- | --- | |-------|------------------------------------------|------------------------------------------| | | | | | | 交易及結算所有限公司網站 www.hkexnews.hk | 及本行網站 www.lzccb.cn 閱覽。 | | | | 承董事會命 瀘州銀行股 ...

泸州银行股份有限公司* Luzhou Bank Co., Ltd.* （於中華人民共和國註冊成立的股份有限公司） 股份代號：1983 (A joint stock company incorporated in the People's Republic of China with limited liability) Stock Code: 1983 2021 中期報告 INTERIM REPORT * 泸州银行股份有限公司並非香港法例第155章 《銀行業條例》 所指認可機構，不受香港金融管理局的監督，亦不獲授 權在香港經營銀行╱ 接受存款業務。 * Luzhou Bank Co., Ltd. is not an authorized institution within the meaning of the Banking Ordinance (Chapter 155 of the Laws of Hong Kong), not subject to the supervision of the Hong Kong Monetary Authority, and not authorized to car ...

Financial Performance - Net profit attributable to shareholders decreased by 9.12% to RMB 576.074 million compared to the previous year[11]. - Basic earnings per share decreased to RMB 0.25, down from RMB 0.28 in the previous year[10]. - In 2020, the company's pre-tax profit was RMB 740.25 million, a decrease of RMB 89 million or 10.78% compared to the previous year[24]. - Net profit for 2020 was RMB 576.07 million, down RMB 58.94 million or 9.12% year-on-year[24]. - Total operating income for 2020 was RMB 3.155 billion, an increase of RMB 348 million or 12.40% from 2019[26]. - Interest income for 2020 was RMB 6.062 billion, up RMB 650 million or 12.01% year-on-year, primarily due to the expansion of interest-earning assets[33]. - The average return on total assets decreased to 0.55% in 2020 from 0.73% in 2019[12]. - The company's total interest expense in 2020 was RMB 3.31 billion, an increase of RMB 612 million, reflecting a growth of 22.70% year-on-year[39]. - Non-interest net income for 2020 was RMB 398.28 million, a significant increase of RMB 310 million, representing a growth of 350.00% year-on-year[44]. Asset and Liability Management - Total assets of Luzhou Bank reached RMB 118.886 billion, with total customer loans at RMB 59.624 billion and total customer deposits at RMB 85.223 billion[8]. - Total assets increased by 29.67% year-on-year to RMB 118.89 billion in 2020, up from RMB 91.68 billion in 2019[12]. - Total liabilities increased by 29.66% year-on-year to RMB 109.94 billion in 2020, up from RMB 84.79 billion in 2019[12]. - Customer deposits grew by 38.72% year-on-year to RMB 85.22 billion in 2020, compared to RMB 61.44 billion in 2019[12]. - The bank's capital adequacy ratio improved to 13.87% in 2020, up from 12.09% in 2019[13]. - Total equity increased to RMB 8.95 billion, up by RMB 2.06 billion or 29.89% year-on-year[73]. Credit Risk and Loan Management - The bank's expected credit losses increased by 31.49% to RMB 1.242 billion, reflecting a rise in provisions for potential loan defaults[11]. - The non-performing loan ratio increased to 1.83% in 2020, compared to 0.94% in 2019[12]. - The expected credit loss for the bank was RMB 1.24 billion, up by RMB 298 million or 31.49% from the previous year[52]. - Non-performing loans totaled RMB 1.09 billion, with a non-performing loan ratio of 1.83%, an increase of 0.89 percentage points from the previous year[77]. - The provision for expected credit losses on loans measured at amortized cost was RMB 2.04 billion, representing an increase from RMB 1.46 billion in the previous year[54]. - The bank's total overdue loans amounted to RMB 1.15 billion, representing 1.93% of total loans, an increase of 0.45 percentage points from the previous year[87]. Customer Growth and Market Presence - The number of personal customers increased by 173,000, nearly doubling the previous year[18]. - The bank operates 28 branches and a sub-branch in Chengdu, expanding its market presence in the region[8]. - The total number of corporate banking customers reached 21,385, an increase of 5,674 customers year-on-year, representing a growth of 36.11%[123]. - Retail banking customers increased to 947,400, up by 173,000 customers or 22.34% compared to the end of 2019, with total retail deposits of RMB 41.78 billion[126]. Operational Efficiency and Cost Management - The bank's operating expenses increased by 13.54% to RMB 1.177 billion, indicating higher costs associated with operations[11]. - The company's operating expenses in 2020 were RMB 1.18 billion, an increase of RMB 140 million, with a cost-to-income ratio of 36.09%[50]. - The proportion of net interest income in total operating income decreased to 87.38% in 2020, down 9.47 percentage points from 2019[26]. Innovation and Digital Banking - The bank launched a video banking service, "Xiao Lu Cloud Hall," enabling remote handling of 14 services, recognized as an innovative case in 2020[16]. - Luzhou Bank received the "Best Intelligent Bank Award" in December 2020, highlighting its advancements in digital banking[9]. Governance and Management - The company has established a corporate governance structure consisting of the shareholders' meeting, board of directors, supervisory board, and senior management[200]. - The bank's management team includes several vice presidents responsible for various operational areas, ensuring effective leadership[161]. - The company emphasizes the importance of governance with a structured board and supervisory committee[160]. - The bank's governance structure includes several committees focused on audit, risk management, and consumer protection, ensuring comprehensive oversight[176][178]. Shareholder Structure - The total number of shares held by the top 10 shareholders amounts to 1,000,000,000 shares, which is approximately 44.15% of the total issued shares[148]. - The top shareholder, Luzhou Laojiao Group Co., Ltd., holds 325,440,000 shares, representing 14.37% of the total shares[147]. - The bank's major shareholders include Sichuan Xinfu Industrial Group, which holds 60% and 40% of the equity interests in its subsidiaries[152]. Risk Management - The bank implemented a unified credit management approach to control risks associated with group clients, focusing on risk monitoring and early warning systems[92]. - The bank's credit risk management is based on a five-level classification system, assessing credit assets based on the debtor's repayment ability and willingness[96]. - The bank has implemented a liquidity risk management strategy that includes continuous monitoring and stress testing to ensure adequate cash flow under extreme conditions[109].

Financial Performance - Net interest income increased by 53.36% to RMB 2.718 billion from RMB 1.772 billion in 2018[10]. - Net profit attributable to shareholders decreased by 3.71% to RMB 633.912 million compared to RMB 658.307 million in 2018[10]. - Operating income rose by 45.11% to RMB 2.807 billion, up from RMB 1.934 billion in the previous year[10]. - The bank's non-interest income, primarily from fees and commissions, surged by 172.22% to RMB 5.085 million from RMB 1.868 million in 2018[10]. - The bank's operating expenses rose by 50.86% to RMB 1.036 billion from RMB 686.928 million in 2018[10]. - The net profit for 2019 was RMB 633.912 million, a decrease of 3.71% compared to the previous year[20]. - Total operating income for 2019 was RMB 2.81 billion, a significant increase from RMB 1.93 billion in 2018, reflecting a growth of approximately 45%[114]. Asset and Liability Management - Total assets of Luzhou Bank reached RMB 91.681 billion, with total loans and advances amounting to RMB 44.759 billion and total deposits of RMB 61.437 billion[7]. - Total assets increased to RMB 91.68 billion in 2019, up 11.06% from RMB 82.55 billion in 2018[11]. - Total liabilities reached RMB 84.79 billion, an increase of 11.30% from RMB 76.18 billion in 2018[11]. - Total deposits absorbed by the bank amounted to RMB 61,436,960,000 as of December 31, 2019, reflecting a growth of RMB 9,051,356,000 or 17.28% year-over-year[65]. - The bank's liquidity ratio stood at 83.72% at the end of the reporting period, exceeding the regulatory requirement by 58.72 percentage points[109]. - The bank's high-quality liquid asset ratio was 156.34%, surpassing the regulatory requirement by 56.34 percentage points[109]. Credit Quality and Risk Management - The non-performing loan ratio increased to 0.94% in 2019 from 0.80% in 2018, reflecting a 0.14 percentage point rise[11]. - The bank's expected credit losses and impairment losses increased by 138.08% to RMB 944.739 million from RMB 396.810 million in 2018[10]. - The bank's total credit impairment losses amounted to RMB 944.74 million, significantly increasing from RMB 396.81 million in the previous year[47]. - The bank maintained a cautious approach to credit risk management, despite the increase in NPLs due to economic challenges faced by some enterprises[77]. - The bank has implemented strict credit risk management measures, including unified control and appropriate credit limits for group clients[87]. Customer Growth and Product Innovation - The company expanded its customer base by adding 99,700 individual customers and 6,643 corporate customers during the year[17]. - The company launched five new deposit and loan products, with the "Rong e Loan" product recognized as one of the top ten consumer finance innovations in the country[17]. - The company emphasized innovation in retail business products and channels, contributing to the growth of retail loan balances[77]. - The company launched several innovative financial products, including "Daily Loan" and "Smart Loan," to cater to diverse customer financing needs[119]. Capital Adequacy and Shareholder Structure - The core tier 1 capital adequacy ratio fell to 9.31% in 2019, down from 10.69% in 2018, a decrease of 1.38 percentage points[13]. - The total equity attributable to shareholders reached RMB 6,889,509,000 as of December 31, 2019, an increase of RMB 522,723,000 or 8.21% compared to 2018[69]. - The top 10 domestic shareholders hold a combined total of 1,637,193,385 shares, accounting for approximately 72.34% of the total share capital[146]. - The company’s equity structure shows a diverse ownership with significant stakes held by both institutional and individual investors[147]. Management and Governance - The bank's management team includes experienced professionals with extensive backgrounds in finance and banking, such as Ms. Xia Yilun, who has been with the bank since December 2008 and has held multiple positions[183]. - The bank has established a governance structure that includes a shareholders' meeting, board of directors, supervisory board, and senior management[194]. - The board of directors is responsible for approving the bank's operational plans and investment strategies[195]. - The bank's governance policies are regularly reviewed to ensure compliance with legal and regulatory requirements[198]. Technology and Innovation - The bank has established a "Future Bank" laboratory in collaboration with Huawei to drive IT transformation and enhance core competitiveness[110]. - The company invested RMB 109.84 million in information technology in 2019, enhancing its system security and operational risk management capabilities[116]. - The bank is collaborating with research institutions to explore blockchain applications and enhance its fintech capabilities[116]. Employee Development - The total number of employees at Luzhou Bank is 1,024, with an average age of 33.24 years[189]. - During the reporting period, Luzhou Bank organized over 150 training sessions, with approximately 7,400 participants[192]. - Employees with a master's degree or higher constitute 14.75% of the total workforce, with 2 holding doctoral degrees[190].