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泸州银行(01983.HK)拟核销1.36亿元不良贷款 已计提减值准备5935.87万元
格隆汇 11-07 22:54

格隆汇11月7日丨泸州银行(01983.HK)宣布,于2019年11月7日举行的董事会会议上,其已议决(其中包括)就以下事项寻求该行股东审议及批准。

于2012年至2018年间,该行在经营中产生了七笔以抵押或保证方式作担保的贷款,该等贷款的贷款人及/或担保人分别于2015年9月至2019年4月间开始停止履行还款义务,并于其后形成不良贷款。为减少低效资产对资本的占用,加大对低效不良资产的清理力度,优化资产结构,有效盘活信贷存量,并推动该行稳定持续发展,董事会同意按照中国银行保险监督管理委员会《关於银行业风险防控工作的指导意见》及中华人民共和国财政部《金融企业呆账核销管理办法》规定,对该七笔本金合共人民币1.36亿元的不良贷款进行核销。

根据该行内部授权方案,董事会有权决定处理金额人民币1000万元以内的各种财务损失(包括贷款损失核销),由于该七笔建议进行核销的不良贷款中,有三笔单户贷款核销本金超过内部授权范围内的人民币1,000万元,故该行董事会亦建议将于临时股东大会上提呈股东审议及批准核销该三笔单户贷款核销本金超过人民币1,000万元的不良贷款。

根据该行资产减值准备政策,该行已对上述七笔不良贷款计提减值准备约人民币5935.87万元,核销上述七笔不良贷款本金预计将需进一步作计提减值准备约人民币7621.13万元。该七笔不良贷款核销后,该行仍将继续按照"账销案存"的原则清收,截至公告日期,该行已对该七笔不良贷款提出包括向有关法院申请强制执行处置相关抵押品等清收程序。 

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