Luzhou Bank Announces 2025 Performance: Net Profit Grows 20% for Three Consecutive Years, Assets Exceed 200 Billion for the First Time

On March 23, Luzhou Bank released its 2025 performance report, showing simultaneous growth in operational scale and efficiency, with stable improvement in core indicators and continuous enhancement of high-quality development. By the end of the year, the bank’s total assets reached 202.462 billion yuan, an 18.40% increase year-on-year, successfully surpassing the 200 billion yuan mark; total deposits were 156.556 billion yuan, up 15.70%; total loans amounted to 124.830 billion yuan, a 20.11% increase, with growth rates leading among provincial city commercial banks.

The bank demonstrated strong resilience in profitability, achieving a net profit of 1.542 billion yuan in 2025, a 20.91% increase year-on-year, marking three consecutive years of over 20% growth. Return on equity (ROE) and return on assets (ROA) both improved, and shareholder value steadily increased. Asset quality reached its best level in nearly six years, with a non-performing loan ratio of 1.18%, decreasing for three consecutive years and 64 basis points below the national city commercial bank average. The loan loss reserve coverage ratio was 415.24%, exceeding regulatory requirements by 265.24 percentage points, demonstrating a solid risk control line.

Additionally, the board of directors proposed a dividend of 1.3 yuan per share, with an expected dividend yield of over 7%. Throughout the year, the bank focused on the local real economy, with inclusive micro and small business loans totaling 15.781 billion yuan. Digital transformation achieved significant results, with electronic banking replacement rate reaching 95.13%. Looking ahead, Luzhou Bank is expected to steadily advance toward becoming a first-class bank in Southwest China.