Founder Securities: Luzhou Bank's fundamentals are solid and improving, with both scale and structure performing well

GateUser-bd883c58 · 2026-04-04T16:43:48+00:00

Ask AI · Loan proportion has increased to 61.66%—how can we optimize the bank’s asset structure?Recently, Founder Securities released commentary on Luzhou Bank’s 2025 annual performance report.Founder Securities believes that Luzhou Bank’s fundamentals are solid and trending positively. Its scale and structure are both strong. From 2021 to 2025, the bank’s total assets grew from 1345.10 billion yuan to 2024.62 billion yuan. The five-year average annual compound growth rate reached 11.0%. In 2025, the year-on-year growth rate was 18.40%, indicating an accelerated pace of scale expansion.On the asset side, the bank focuses on its core business. The loan-to-asset ratio increased to 61.66%, up 6.0 percentage points from 2021. Total customer loans reached 1248.30 billion yuan, up 20.11% year on year. Net customer loans amounted to 1187.84 billion yuan, up 20.49% year on year, with continued efforts to increase credit allocation.On the liability side, the deposit base is solid, and the total deposits have been flat over 5 years

GateUser-bd883c58

2026-04-04 16:43:48

Ask AI · Loan share increases to 61.66%—how to optimize a bank’s asset structure?

Recently, Founder Securities reviewed Luzhou Bank’s 2025 annual performance report.

Founder Securities’ analysis holds that Luzhou Bank’s fundamentals are solid and trending positively, with both scale and structure performing well. From 2021 to 2025, the bank’s total assets grew from 134.51B yuan to 202.46B yuan, with a 5-year average annual compound growth rate of 11.0%. In 2025, the year-over-year growth rate reached 18.40%, indicating an acceleration in the pace of scale expansion.

On the asset side, the bank focuses on its core business. Its loan share rose to 61.66%, up 6.0 percentage points from 2021. Total customer loans reached 124.83B yuan, up 20.11% year over year. Net customer loans were 118.78B yuan, up 20.49% year over year, and credit lending intensity has continued to increase.

On the liability side, the deposit base remains solid. The 5-year average annual compound growth rate of total deposits was 13.37%. In 2025, deposits increased 15.7% year over year to 156.56B yuan. The deposit share stayed at a high level of 83.0%. The costs of corporate deposits and personal deposits were reduced by 0.31 percentage points and 0.55 percentage points to 1.62% and 2.57%, respectively, showing significant results in cost control.

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