Stay in the middle and do the right thing so far.

Overview of bank of luoyang:

Stand at a new starting point and realize a new leap.

1997165438+1October 28th, with the approval of the head office of China People's Bank, Luoyang Urban Cooperative Bank was established on the basis of the original 25 urban credit cooperatives. 1June, 1998, approved by the head office of the People's Bank of China, Luoyang Cooperative Bank was renamed as Luoyang Commercial Bank. In March 2009, Luoyang City Commercial Bank was renamed bank of luoyang, with 56 branches and 1 business department, and more than 1 100 employees. Since the establishment of bank of luoyang, guided by Scientific Outlook on Development, we have always adhered to reform, development and innovation, deepened the reform of mechanism and system, and strengthened internal management. Luoyang has made outstanding contributions to economic construction, and has been rated as "advanced unit supporting local economy" by the municipal party committee and municipal government for six consecutive years.

After years of hard work, bank of luoyang's business scale has been expanding, and various businesses have developed rapidly, and it has embarked on a sustained, steady and efficient development road. As of March 24, 2009, the total assets of bank of luoyang reached 28.466 billion yuan, 9.2 times that of its establishment; The total deposit reached 2.31.74 billion yuan, 0.4 times that of 1.65438+ when it was established; The total amount of loans reached 65.438+05.703 billion yuan, 654.38+00.6 times that of the establishment; At the beginning of its establishment, the non-performing loan ratio was 77%. Now it has been reduced to 65,438+0.2%, and the profitability has been greatly improved. The annual profit turned from a loss of 65,438+0,997 to a profit of 5438+0 at the end of 2006, and the profit increased substantially for seven consecutive years. The loan scale accounts for 24% of the city, ranking first among peers in Luoyang, and has made outstanding contributions to promoting Luoyang's economic development.

The establishment of bank of luoyang has realized the leap from local banks to cross-regional banks, further expanded its own development space, and marked the implementation stage of cross-regional business strategy. Bank of luoyang will take Scientific Outlook on Development as the guide, take the opportunity of renaming as an opportunity, enhance the corporate social image and brand image, further improve the operating mechanism of business institutions, straighten out the credit management, financial management, personnel and incentive and restraint mechanisms, establish a vertical organizational structure and management system that is customer-centered, market-oriented, and business line-oriented, steadily promote cross-regional operation, and set up Zhengzhou Branch in the second half of the year to initially form a regional commercial bank with Luoyang as the center and radiating the whole province.

Bank of luoyang's market positioning: citizen bank, the first choice bank for SMEs.

Bank of luoyang's strategic positioning: the first step is to build a regional joint-stock commercial bank; The second step is to go to the forefront of the development of city commercial banks in the central region and be the bank with the best regulatory indicators, the best internal control indicators, the best development, unique development characteristics and market competitiveness in the central region.

Bank of luoyang's development strategy:

Implement renaming, eliminate geographical imprint, comprehensively enhance brand value and social image, further expand social influence and attention, and lay a solid foundation for long-term development.

◆ Accelerate the pace of cross-regional operation, penetrate into surrounding counties, advance into central cities, step out of Luoyang, radiate around, set up points for the whole country, and conduct cross-regional operation.

◆ Listing will provide an effective way for bank of luoyang to establish a sustainable and effective capital replenishment mechanism, further enhance its ability to resist risks and open up a broader development space.

Bank of luoyang will, as always, adhere to the guiding ideology of "reform, development and innovation", unswervingly adhere to the strategy of going abroad, accelerate the implementation of brand management, regional layout and characteristic development strategies, expand its own development space, comprehensively improve its management level and comprehensive competitiveness, and strive to build itself into an excellent bank with certain influence, competitiveness and development characteristics in the central region.