泸州银行2024中期报告

（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 2 4 6 47 54 60 61 1瀘州銀行股份有限公司瀘州銀行2LUZHOU BANK CO., LTD.LUZHOU BANK 2,717,752,062H瀘州銀行(1983.HK)18124840181646000www.lzccb.cn22202211H199791591510500708926271UB0210H2510500010830-968300830-23626060830-3100625ir@lzccb.cn 瀘州銀行股份有限公司1997915411,651.621,004.431,302.57 H201812171983 (1)(2)(3)(4)(5)(6)(7)(8)(9) 1. 2024202461.75.0%2.955.4%0.4 2. 2024 3. 3.1 2024630610.351.7520.32%8.081.3319.71% 3.2 202428.363.8915.91%61.98%10.7838.02% 3.3 2024630617.582.0313.07% (1)3.3 (2)3.3 (3)3.3 20246301,378.21104.738.22%2.55%0.112.77%0.03 3.4 2024630637.451.393.86% 3.4.1 2024630631.302.9410.37% 3.4.2 202463065.231.5823.21% 3.4.3 202463060.36 3.4.4 202463060.560.03 3.5 2024630619.870.643.12% 3.5.1 2024630616.670.854.86% 3.5.2 202463060.710.079.27% 3.5.3 202463061.890.1810.37% 3.6 2024630610.781.8620.86% 3.7 202463068,259.21,297.2 3.8 202463069.961.7321.05%1.270.282.72 3.9 202463068.981.8125.29%0.102.22%1.3886.93% 3.10 202463069.040.313.61% 202463066.330.071.06% 4. 4.1 2 0 2 461 , 6 5 1 . 6 27 5 . 2 64.77% 202461,004.4374.057.96%952.9668.307.72% 20246861.5678.4710.02%85.78%1.61 2 0 2 460 . 6 02 . 1 878.47%0.06%0.24 20246135.992.711.95%13.54%1.37 20246533.7918.303.55% 4.2 202461,538.09714.84% 202461,302.57126.3210.74%84.69% 2024633.53%0.0881.76%1.3822.40%0.99 2024640.6030.9443.25% 20246119.6322.1715.63% 4.3 6113.544.273.90% 5. 5.1 28.33 5.2 5.3 36 6. 998.157.96%13.841.391.39%0.04 0.220.59%0.180.28%0.52% 202492.11% 1.6286.32% 0.021.08% 2.711.3813.62% 0.763.31% 104.6169.99%10.48%138.70% 15.321.931.54%0.0936.6043.10%11 99,06613,02186,045 51.475.7412.56% 20% 20% 7. 12.46%0.281.969.45%0.160.958.03%0.090.53 (1)= 8. 1. 2. 3. 4. 5. 6. 1.2.3.4. 1. 2. 1.2.3.4.5. 202463082.26%57.26171.25%71.25148.81%48.81 1. 2. 3. 9. 10. 861.5610.02%353.3441.01%507.9158.95%0.310.04% 20246300.60.06% 534.1741.01% 7CeeE+ 51,0571,8543.77% 580.309,357120.919,0866.04% 2024630146.34742.40135.99 505010010030030020246309,6911,728 742.4064.899.57%166.287.834.94%22.40% 2024630135.99 2024630162.15134.84.453.41% 202460.51202463047,85347,82330161.833.20%-5.10% 20182024630247.29 2024 1 3.690.082.22%5.302.5794.14% 2 3 6 . 8 22 . 8 78.45%3.123.002,500.00% 3 33.92100%47.77100% 4 0.601.5071.43% 5 95.872.252.29% 1 2024 20.55LPR25BP33%202411030bp2.4%302.5%45102.2%302.4% 342.350.280.08%27.902.909.42%115.9016.7016.83%8.848.3345.51%125.512.712.21%64.207.910.96% 2 173.57105.7843.8523.9421.6114.22% 1. 2. 3. 3.15 4. % 2,717,752,0621,964,632,062H753,120,000 10 2024630XV23336 (1)90%390,528,00043,392,000 (2)(i)8,678,40092.68%70.44%80%(ii)325,440,00080% (3)60%40%92% (4)88,154,722173,568,000241,911 (5)(i)110,059,03545.99%51.86%50.82%55.11%(ii)43,392,00024.86%2024612027531(iii)62,154,702(iv)18,007,680 (6)OTX ADVISORY HOLDINGS, INC.OTX ADVISORYHOLDINGS, INC.H (7)JNRAsia Corporation LimitedJNRAsiaCorporation LimitedH (8)51.86%45.99%50.82%41.18% (9)Guotai Junan Financial Products LimitedGuotai Junan International Holdings LimitedGuotaiJunanInternational Holdings LimitedGuotaiJunan Financial Holdings Limited73.74%Guotai Junan Financial Holdings LimitedGuotai Junan Securities Co., Ltd.Guotai Junan International Holdings LimitedGuotai Junan Financial Holdings LimitedGuotai Junan Securities Co., Ltd.Guotai Junan Financial Products LimitedH (10)Mill Creek Asia LimitedMill Creek Asia LimitedH (11)FAN YUE(i)GSX Corporation37,410,200H; (ii)MX Corporation Limited37,656,400H(iii)YOHO CO.,LTD37,494,200HFANYUEGSX CorporationMX Corporation LimitedYO HO CO., LTDH 2024630336 (1)39 (1)20181 2024630XVXV78352C3 (1) 2024630XV352 10244 6 5122 11 20245222023 202442024120246 20246301,48635.23203042128.33%304071548.12%405022815.34%501228.21% 29820.05%396364.81%22515.14% 1439.62% 1704,600 2024 C1 202452220232023202453120232024621100.9244.60 2024630 20242017 20242024 2023828202310122023251-3858,15020231227202411683,862.55 瀘州銀行 61146瀘州銀行股份有限公司3434 2410 34 2024820 2024630 () 瀘州銀行股份有限公司1997915 199858瀘州市商業銀行201964瀘州銀行股份有限公司2018121720246302,717,752,0621 2024820 2 2.1 34 2023 2023 33 2 2.1 2.1.1 202411 17716 1 1 77 77 16 16 2.1.2 21 202511 2024630() 2 2.2 2023 3 3 3.1 3.1.1 1000 2024630() 3 3.1 3.1.1 (a) (b) 3 3.1 3.1.2 2024630() 3 3.1 3.1.2 (b) 3.1.3 60%50%40%40%40%50% ()(1)(1)AA 3 3.1 3.1.3 36 3.1.4 9(ECL)1(ECL) 912(ECL) 2024630() 3 3.1 3.1.4 (1) •3090••BBB• •• (2) •90••C 3 3.1 3.1.4 (2) ••••• (PD)(EAD)(LGD) 6 (3) 12(PD)(EAD)(LGD) 121212Markov 12 2024630() 3 3.1 3.1.4 (4) MERTON(PD) 202463031231212123202463060%10%30%2023123160%10%30%) 3 3.1 3.1.5 (a) 2024630() 3 3.1 3.1.5 (b) 3 3.1 2024630() 3 3.1 3.1.6 3 3.1 3.1.6 2024630() 3 3.1 3.1.6 (d) 3 3.1 3.1.6 (e) 3.1.7 202463020231231 2024630(