5月9日，2025金鼠标国际数字营销节在北京落下帷幕，甘肃银行微信公众号荣获"数字营销最具创新精 神品牌"大奖！ 金鼠标素有"数字营销风向标"的美誉，自2009年创立以来，已覆盖6000多个品牌。本届大赛自去年12月 23日正式启动以来，吸引了广泛关注，涉及品牌500多家，甘肃银行微信公众号在激烈的终审角逐中脱 颖而出，获得"数字营销最具创新精神品牌"的佳绩，充分肯定了其长期以来在数字化转型方面的积极探 索和勇于实践。 近年来，甘肃银行始终牢记省属国有银行的社会责任，坚守"服务城乡居民、服务中小企业、服务地方 经济"的市场定位，聚焦主责主业主动作为，积极践行金融工作的政治性和人民性。坚持把数字化转型 作为开辟新赛道、打造新优势的重要举措，强化顶层设计、坚持高位推进，全面拓展金融服务的广度与 深度。电子银行用户突破470万户，手机银行鸿蒙版上线，"甘银智创"大赛孵化的22款产品落地，业务 流程全面无纸化。在数字金融的驱动下，一部手机即可畅享"指尖上的银行"，陇原百姓的金融获得感持 续提升。 下一步，甘肃银行将始终秉承"服务陇原，立足甘肃"的发展理念，不断突破金融科技发展瓶颈，持续推 进金融场景开发，不断拓展数字 ...

家人们！ 柜台六边形战士 在雁南路支行，有个"人形计算器"小张。 清点凭证手速快到飞起， 五一假期别人在看山看海， 甘肃银行的小伙伴们， 正用超暖服务书写属于劳动者的浪漫～ 从柜台到理财室再到企业车间， 每个岗位都在上演服务为民的走心剧情。 还能无缝切换贴心模式。 爷爷奶奶来办业务，双手递接超礼貌； 老人看不清？验钞机直接"贴脸展示"； 手机银行不会用？"通关秘籍"秒奉上； 八旬老人社保卡激活不了？ 她抱着设备上门，半跪操作耐心值拉满。 入职三年零差错零投诉， 拿下今年首季"服务之星"。 这波操作，我给满分！ 财富航程引渡人 高新支行的零售客户经理小王， 工位绿萝见证她的服务的努力与细致。 服务上万客户零投诉的秘诀， 藏在这些超接地气的细节里： "王阿姨定期到期""李叔理财申赎"…… 客户情况门儿清～ 教老年人用手机银行： 验证码就相当于孙子的算术题。 发现可疑电话，秒变"紧急联系人"： 快挂断！是骗子新套路！ 遇到对理财有顾虑的小夫妻， 不推销先唠3小时家常， 然后掏出量身定制的生活理财方案， 客户直接被圈粉： 原来理财理的是未来的日子。 企业神仙外援 暮色下的产业园区， 滨河支行客户经理小缪穿梭其中。 手 ...

瑞财经 王敏 近日，甘肃银行(02139)发布2024年年度业绩公告。 | (除另有註明外,以人民幣百萬元列示) | 2024 | 2023 | 2022 | 2021 | 2020 | | --- | --- | --- | --- | --- | --- | | 學營業績 | | | | | | | 利息收入 | 12.978.1 | 13,900.6 | 13.788.6 | 13.676.2 | 14.752.9 | | 利息支出 | (8,341.8) | (8.466.1) | (8,720.7) | (8.752.0) | (9,002.5) | | 淨利息收入 | 4.636.3 | 5.434.5 | 5.067.9 | 4.924.2 | 5.750.4 | | 手續費及佣金收入 | 434.4 | 424.0 | 464.0 | 392.4 | 379.3 | | 手續費及佣金支出 | (34.3) | (44.1) | (64.0) | (41.6) | (50.4) | | 手續費及佣金收入淨額 | 400.1 | 379.9 | 400.0 | 350.8 | 328.9 | | ...

15款金融APP上"黑榜" 据国家网络与信息安全信息通报中心通报，依据《网络安全法》《个人信息保护法》等法律 法规，按照《中央网信办、工业和信息化部、公安部、市场监管总局关于开展2025年个人信 息保护系列专项行动的公告》要求，经国家计算机病毒应急处理中心检测，67款移动应用存 在违法违规收集使用个人信息情况。 新浪金融研究院梳理发现，云端金融、捷信金融、车贷e通、众安贷、汇通启富-山西证券、 弘历投教、移动白条、分期白条、武清村镇银行、村镇银行（福建农商）、携程金融、兰州 银行企业版、甘肃银行、张家口银行、阳光村镇银行等15款金融领域相关App被点名。 | 同题 | APP | | | --- | --- | --- | | | 《云端金融》 | 版本13.4.001. 应用宝 | | | 《捷信全融》 | (版本34532,应用宝) | | 隐私政策未逐一列出App(包括委托的第三方或嵌入的第三方代码、插件) | 年货e道》 | (版本340 腕豆英) | | 收集使用个人信息的目的、方式、范围等。 | 《众安贷》 | 版本331. 应用宝) | | | | 《汇通启富-山西证券》(版本7741. viv ...

2024 年度報告 2024 年度報告 甘肅銀行股份有限公司 目 錄 | 董事長致辭 | 2 | | --- | --- | | 釋義 | 5 | | 本行簡介 | 10 | | 財務摘要 | 13 | | 管理層討論與分析 | 16 | | 董事會報告 | 67 | | 監事會工作報告 | 87 | | 股本變動及股東詳情 | 93 | | 董事、監事、高級管理層、僱員及組織 | 96 | | 公司治理報告 | 118 | | 風險管理、內部控制及內部審計 | 158 | | 獨立核數師報告 | 173 | | 合併損益及其他綜合收益表 | 181 | | 合併財務狀況表 | 183 | | 合併權益變動表 | 185 | | 合併現金流量表 | 187 | | 合併財務報表附註 | 189 | | 未經審計補充財務信息 | 314 | 董事長致辭 劉青 董事長 2 甘肅銀行股份有限公司 年度報告 2024 董事長致辭 2024年是新中國成立75週年，在省委省政府的堅強領導和監管部門的關心支持下，我們堅持以習近平新時代中國特色 社會主義思想為指導，全面貫徹黨的二十大、二十屆二中、三中全會和習近平總書記視察甘 ...

养老，是家之大事、国之大事，实现养老产业的高质量发展，金融助力不可或缺。近年来，甘肃银行积 极践行金融工作政治性和人民性，构建起"线上+线下""行内+行外""金融+非金融"的全方位"适老"金融 服务体系，让"金融为民"的服务理念具象化展现，开启守护银发群体的金融新途。 在适老化改造方面，甘肃银行持续加强网点基础设施建设，在网点内部设立"惠民小站"服务专区，配备 移动填单台、起立助手、爱心专座、轮椅、老花镜、放大镜、免费雨具、血压仪、微波炉、医药箱等服 务设施，切实提升对老年客户的关爱程度与服务质量。 此外，甘肃银行在信贷投放、场景建设等关键环节重点发力，随着甘肃银行在养老金融方面的探索和实 践，养老金融产品和服务持续丰富。甘肃银行与甘肃省内多家龙头企业开展合作，共同建设"甘肃银 行'甘养乐'养老金融示范基地"；围绕养老食堂建设，甘肃银行巧妙运用金融科技打造特色生态场景， 让养老生活更具品质。 莫道桑榆晚，人间重晚晴。甘肃银行将主动适应老年客群以及养老产业的金融需求变化，加速养老金融 产品与服务的创新步伐，不断完善养老金融服务的供给体系，努力做实、擦亮"甘养乐"养老金融品牌形 象，推动人民群众从"养老"变"享老 ...

Financial Performance - Interest income for 2024 was RMB 12,978.1 million, a decrease of 6.6% from RMB 13,900.6 million in 2023[23]. - Net interest income decreased to RMB 4,636.3 million in 2024, down 14.7% from RMB 5,434.5 million in 2023[23]. - Total operating income for 2024 was RMB 5,953.9 million, a decline of 10.6% compared to RMB 6,665.1 million in 2023[23]. - Operating profit for 2024 was RMB 475.7 million, representing a decrease of 16.4% from RMB 569.3 million in 2023[23]. - Annual profit for 2024 was RMB 584.7 million, down 9.6% from RMB 646.6 million in 2023[23]. - The bank's net fee and commission income increased to RMB 400.1 million in 2024, up 5.3% from RMB 379.9 million in 2023[23]. - The bank's total operating expenses for 2024 were RMB 2,376.6 million, slightly down from RMB 2,388.8 million in 2023[23]. - The bank's tax expense for 2024 was RMB 109.0 million, an increase from RMB 77.1 million in 2023[23]. - The total operating income decreased from RMB 6,665.1 million in 2023 to RMB 5,953.9 million in 2024, a decline of 10.65%[110]. - Net profit for 2024 decreased by 9.6% to RMB 584.7 million from RMB 646.6 million in 2023[32]. Asset and Liability Management - Total assets and liabilities increased by over 6%, reaching RMB 400 billion, with loan growth of 4.27% and general deposits growth of 9.46%[6]. - Total assets increased to RMB 414,707.6 million in 2024, up from RMB 388,588.7 million in 2023, representing a growth of 3.0%[24]. - Total liabilities rose to RMB 380,869.7 million in 2024, up from RMB 355,408.6 million in 2023, reflecting a growth of 7.1%[24]. - Customer deposits amounted to RMB 321,379.3 million, up 8.7% year-on-year[32]. - The net amount of customer loans and advances was RMB 225,595.6 million in 2024, accounting for 54.4% of total assets, a decrease of 1.5 percentage points from 2023[79]. - The total customer loans and advances stood at RMB 224,859.5 million, with normal loans comprising 93.8% of the total[97]. - The total amount of interbank deposits was RMB 15,708.6 million in 2024, down from RMB 20,120.3 million in 2023[148]. Loan Portfolio and Quality - Cumulative loan issuance exceeded RMB 100 billion, with green and technology loans growing over 20%[6]. - Customer loans and advances totaled RMB 231,414.3 million in 2024, compared to RMB 222,871.6 million in 2023, marking an increase of 4.7%[24]. - The non-performing loan ratio improved to 1.93% in 2024, down from 2.00% in 2023, showing a reduction of 3.5%[24]. - The provision for impairment losses on customer loans and advances increased by 0.6% to RMB 5,818.7 million as of December 31, 2024, from RMB 5,781.8 million as of December 31, 2023[87]. - The non-performing loans (NPL) amounted to RMB 4,340.7 million, with an NPL ratio of 1.93%, a decrease of 0.07 percentage points from 2.00% in the previous year[98]. - The non-performing loan (NPL) ratio for corporate loans decreased from 1.64% to 1.42%, a decline of 0.22 percentage points[106]. - The non-performing loan ratio for retail loans increased from 3.82% to 4.01%, an increase of 0.19 percentage points[106]. Shareholder Information - Gansu Electric Power Investment Group holds approximately 4.21% of the company's shares as of December 31, 2024[11]. - Gansu Highway Aviation Tourism Investment Group is the major shareholder with an 18.3% stake in the company as of December 31, 2024[11]. - Gansu State-owned Assets Investment Group directly holds about 12.67% and indirectly through subsidiaries holds an additional 10.74% of the company's shares as of December 31, 2024[11]. - Jiuquan Steel Group holds approximately 6.53% of the company's shares as of December 31, 2024[12]. Risk Management - The company aims to enhance its internal control and operational risk management through the GRC system[11]. - The bank's risk management strategy includes a comprehensive assessment of credit, market, operational, and liquidity risks, with regular reporting to the board of directors[176]. - The company manages foreign exchange risk through matching funding sources and uses exposure limits to control adverse impacts from currency fluctuations[185]. - The liquidity risk management framework aims to ensure timely access to sufficient funds to meet obligations and support ongoing operations[188]. - The company has established a GRC system to identify, measure, and monitor operational risks effectively[187]. - The liquidity coverage ratio increased to 190.88% as of December 31, 2024, compared to 157.69% in 2023[190]. Strategic Initiatives - The company aims to enhance customer management and team building while focusing on risk management and operational efficiency in 2025[8]. - The bank aims to enhance risk management and optimize income structure as part of its strategic development plan[31]. - The bank plans to focus on transforming traditional businesses and developing emerging businesses to drive profit growth[31]. - The company prioritizes credit allocation to industries with technological advantages and significant development potential, such as advanced manufacturing and renewable energy[179]. Digital Transformation and Technology - The bank's digital transformation efforts focus on five key capabilities, including business management and product innovation, with a product conversion rate of 63.64% for award-winning products[174]. - The bank launched 43 information system construction projects in 2024, including a mobile banking application compatible with Huawei's HarmonyOS, and an intelligent transaction anti-fraud monitoring platform that monitored 136 million transactions[174]. - The bank's investment in information technology systems was approximately RMB 198.3 million in 2023 and RMB 206.7 million in 2024[173]. Customer Engagement - Retail banking system improved, with over 1.9 million personal asset customers, 158,000 personal loan customers, and 660,000 credit card customers[7]. - The total number of retail wealth management customers exceeded 153,911 as of December 31, 2024[140]. - The total transaction volume for acquiring business reached approximately RMB 115 billion in 2024, up from RMB 89.477 billion in 2023, representing a significant increase[138].

Group 1: Financial Performance and Growth - Gansu Bank has cumulatively issued over 900 billion yuan in various loans, with significant growth in inclusive microloans, technology loans, and green loans, particularly in rural areas where the loan balance approaches 32 billion yuan [1] - Since 2019, Gansu Bank has issued over 475 million yuan in inclusive microloans, with a current loan balance of 131.58 million yuan [6] - The bank's green loan balance has reached 195.7 billion yuan, reflecting its commitment to ecological and sustainable development [7] Group 2: Organizational Development and Governance - Gansu Bank emphasizes high-quality party building as a core driver for its development, enhancing political leadership and decision-making processes [2][3] - The bank has implemented a dual-track career development system for its employees, focusing on building a high-quality professional talent pool [3] - The bank has established a comprehensive risk management system, utilizing big data for credit risk monitoring and enhancing internal control compliance [11] Group 3: Community Engagement and Social Responsibility - Gansu Bank has invested over 151.25 million yuan in infrastructure projects to support rural revitalization, including road repairs and water supply initiatives [13] - The bank has launched the "Seed Loan" product to support the development of the seed industry, with a current loan balance of 1.19 million yuan [14] - Gansu Bank has contributed 300 million yuan to educational initiatives, helping numerous underprivileged students pursue higher education [15] Group 4: Digital Transformation and Innovation - Gansu Bank has achieved significant milestones in digital transformation, with mobile banking customers reaching 4.04 million and a monthly active user base exceeding 1 million [9] - The bank has launched various digital financial products, including online credit loans, enhancing service efficiency and customer satisfaction [6][10] - The bank's digital strategy includes building an ecological platform to support businesses in establishing online stores [9] Group 5: Future Outlook and Strategic Goals - Gansu Bank aims to continue its high-quality financial development, focusing on innovation in financial products and services to enhance overall financial quality [16] - The bank is committed to supporting the local economy and addressing the financial needs of key industries and projects [7][16] - Gansu Bank plans to leverage its comparative advantages and engage in differentiated competition to achieve sustainable growth [16]

Financial Performance - Gansu Bank's net profit for the first half of 2024 was RMB 1.5 billion, representing a 15% increase compared to the same period last year[4]. - The bank's pre-tax profit for the first half of 2024 was RMB 338.7 million, a decrease of 8.8% from RMB 371.4 million in the previous period[10]. - Net profit for the first half of 2024 was RMB 394.5 million, down 3.3% from RMB 408.0 million in the first half of 2023[18]. - The bank's total operating income for the first half of 2024 was RMB 3,156.8 million, a decrease of 9.5% compared to RMB 3,486.7 million in the same period of 2023[18]. - The bank's total operating income for the same period was RMB 3,156,828 thousand, down from RMB 3,486,781 thousand, indicating a decrease of about 9.5%[193]. - The profit for the period was RMB 394,509 thousand, compared to RMB 407,988 thousand in the previous year, reflecting a decline of approximately 3.3%[194]. Asset and Liability Management - The bank's total assets reached RMB 200 billion, reflecting a year-on-year growth of 10%[4]. - Total assets as of June 30, 2024, amounted to RMB 422,173.4 million, an increase of 8.6% from the end of 2023[18]. - Total liabilities increased by 9.3% to RMB 388,570.3 million from RMB 355,408.6 million[11]. - The bank's total liabilities increased to RMB 388,570,231 thousand from RMB 355,408,580 thousand, representing an increase of about 9.3%[195]. - As of June 30, 2024, total equity amounted to RMB 33,603.1 million, an increase from RMB 33,180.1 million as of December 31, 2023[73]. - The bank's total liabilities and equity reached RMB 422,173,357 thousand, up from RMB 388,588,652 thousand, marking an increase of approximately 8.6%[196]. Loan and Deposit Growth - The bank's customer deposits grew by 12% year-on-year, totaling RMB 150 billion[4]. - Customer loans and advances increased by 7.8% to RMB 240,345.2 million from RMB 222,871.6 million[11]. - Total customer loans and advances increased from RMB 217,117.4 million as of December 31, 2023, to RMB 234,132.9 million as of June 30, 2024[74]. - Customer deposits rose by 8.8% from RMB 295,556.2 million as of December 31, 2023, to RMB 321,680.4 million as of June 30, 2024[71]. - The net increase in customer deposits was RMB 26,124,197 thousand, compared to RMB 14,232,187 thousand in the previous year, showing a significant increase of about 83.7%[200]. Non-Performing Loans and Credit Quality - Gansu Bank reported a non-performing loan ratio of 1.5% as of August 29, 2024, indicating a stable credit quality[4]. - The non-performing loan ratio improved slightly to 1.94% from 2.00%[13]. - The bank's non-performing loan (NPL) ratio decreased to 1.94% as of June 30, 2024, down from 2.00% as of December 31, 2023, with NPLs totaling RMB 4,533.5 million[75]. - The NPL ratio for corporate loans decreased from 1.64% as of December 31, 2023, to 1.55% as of June 30, 2024[81]. - The NPL ratio for retail loans increased from 3.82% as of December 31, 2023, to 4.09% as of June 30, 2024[81]. Capital Adequacy and Regulatory Compliance - Gansu Bank's capital adequacy ratio stands at 12.5%, above the regulatory requirement of 10.5%[4]. - The core Tier 1 capital adequacy ratio decreased to 10.88% from 11.38%[13]. - The bank's liquidity coverage ratio increased to 175.89% as of June 30, 2024, up from 157.69% at the end of 2023[143]. - The net stable funding ratio improved to 135.14% as of June 30, 2024, from 127.84% at the end of 2023[143]. Technology and Digital Banking Initiatives - The bank is investing in new technology for digital banking services, aiming to increase online transactions by 30% in 2025[4]. - The bank has over 4.653 million online banking customers, including 77,100 corporate customers and over 4.5759 million retail customers as of June 30, 2024[126]. - The bank has approximately 4.016 million mobile banking customers, with transaction totals around RMB 138.930 billion as of June 30, 2024[127]. - The "Longyin Business" e-commerce platform has onboarded 1,084 merchants and has 2.69 million users as of June 30, 2024[131]. Awards and Recognition - The bank won the "Best Digital Financial Small and Medium Bank" award at the 2024 Small and Medium Bank Development Summit[9]. - The bank received the "Innovation Award for Small and Medium Banks" at the 7th BankDigital Summit[9]. - The bank was awarded the "Best ESG Performance Award" at the 2023 China Financing Awards[9]. Governance and Management - The company has established various committees to enhance governance and oversight, including audit and risk control committees[164]. - The management structure includes independent non-executive directors who provide oversight and independent opinions based on their expertise[164]. - The company is committed to enhancing its governance structure with new appointments and strategic oversight[169]. - The board of directors proposed not to distribute a final dividend for the year 2023 due to the need for sufficient capital support for future business development[183]. Employee and Workforce Management - The company has a total of 4,480 employees as of June 30, 2024, with the largest segment being corporate banking, accounting for 24.67% of the workforce[176]. - Among the employees, 83.28% hold a bachelor's degree, while 8.91% have a master's degree or higher[179]. - The employee training program is tailored to different business lines, emphasizing the company's commitment to professional development[181]. - The workforce is predominantly aged between 31 and 40 years, comprising 53.84% of the total employee count[178].

Financial Performance - Bank of Gansu reported its unaudited interim results for the six months ended June 30, 2024[1]. - The bank's net profit for the period was RMB 1.2 billion, representing a 10% increase compared to the same period last year[1]. - The total operating income for the first half of 2024 was RMB 3,156.8 million, a decrease of 9.5% compared to RMB 3,486.7 million in the same period of 2023[18]. - Net profit for the first half of 2024 was RMB 394.5 million, down 3.3% from RMB 408.0 million in the first half of 2023[18]. - The bank's pre-tax profit for 2024 was RMB 338.7 million, down RMB 32.7 million or 8.8% from the previous year[19]. - The profit for the period was RMB 394,509 thousand, a decrease of 3.9% from RMB 407,988 thousand in the prior year[194]. - The bank's total comprehensive income for the period was RMB 398,099 thousand, down from RMB 407,988 thousand, representing a decrease of approximately 2.2%[199]. Asset and Liability Management - The bank's total assets reached approximately RMB 200 billion, reflecting a year-on-year increase of 12%[2]. - Total assets increased by 8.6% to RMB 422,173.4 million from RMB 388,588.7 million[11]. - Total liabilities increased by 9.3% to RMB 388,570.3 million from RMB 355,408.6 million[11]. - Total equity increased to RMB 33,603.1 million, an increase from RMB 33,180.1 million as of December 31, 2023[73]. - The bank's total liabilities and equity amounted to RMB 422,173,357 thousand, up from RMB 388,588,652 thousand, which is an increase of approximately 8.6%[196]. Loan and Deposit Growth - Customer deposits grew by 15% year-on-year, totaling RMB 150 billion[3]. - Total customer deposits reached RMB 321,680.4 million, increasing by 8.8% from the end of 2023[18]. - Customer loans and advances increased by 7.8% to RMB 240,345.2 million from RMB 222,871.6 million[11]. - The total amount of corporate loans was RMB 152,871.3 million as of June 30, 2024[89]. - The bank's net increase in customer loans and advances was RMB 18,006,726 thousand, compared to RMB 15,463,297 thousand in the previous year, reflecting a growth of about 16.5%[200]. Non-Performing Loans and Credit Quality - The non-performing loan ratio stood at 1.5%, a decrease from 1.8% in the previous period[4]. - The non-performing loan ratio improved slightly to 1.94% from 2.00%[13]. - The bank's non-performing loan (NPL) ratio decreased to 1.94% as of June 30, 2024, down from 2.00% at the end of 2023, with NPLs totaling RMB 4,533.5 million[75]. - Customer loans and advances credit impairment losses fell by 31.2% from RMB 1,247.6 million in 2023 to RMB 858.5 million in 2024[56]. Revenue and Income Sources - Net interest income decreased by 11.6% to RMB 2,537.1 million compared to RMB 2,869.4 million in the same period last year[10]. - Net interest income for the six months ended June 30, 2024, was RMB 2,969.8 million, a decrease of 5.5% compared to RMB 3,142.5 million for the same period in 2023[90]. - Net fee and commission income increased by 5.8% to RMB 218.9 million from RMB 206.9 million[10]. - The bank's net fee and commission income increased to RMB 218,865 thousand, compared to RMB 206,941 thousand, reflecting a growth of approximately 5.5% year-over-year[193]. Strategic Initiatives and Future Outlook - The bank plans to expand its branch network by 10% in the next fiscal year to enhance market presence[2]. - Future guidance indicates a target growth rate of 8% for total loans in the upcoming year[4]. - The bank aims to enhance risk management and optimize income structure as part of its strategic development goals[17]. - The bank is exploring potential mergers and acquisitions to strengthen its market position[2]. Awards and Recognition - The bank was awarded the "Best Digital Financial Small and Medium Bank" at the 2024 Small and Medium Bank Development Summit[9]. - The bank received the "Innovation Award for Small and Medium Banks" at the 7th BankDigital Summit[9]. - The bank won the "Best ESG Performance Award" at the 2023 China Financing Awards[9]. Risk Management and Compliance - The bank's liquidity coverage ratio increased to 175.89% as of June 30, 2024, up from 157.69% at the end of 2023[143]. - The bank has established a comprehensive internal control and operational risk management system to monitor operational risks[140]. - The bank's legal compliance department is responsible for managing legal compliance risks across all branches[146]. - The bank employs various methods for interest rate risk assessment, including duration analysis and stress testing[138]. Digital Transformation and Technology Investment - The bank's investment in information technology was RMB 69.8 million for 2023 and RMB 77.1 million for the first half of 2024[133]. - The bank's digital transformation projects include four launched projects and seven optimized projects, enhancing financial service capabilities[133]. - The bank has over 4.653 million online banking customers, including 77,100 corporate customers and over 4.5759 million retail customers as of June 30, 2024[126]. Corporate Governance and Management - The company has established a modern corporate governance structure in compliance with applicable laws and regulations[182]. - The board of directors includes members with extensive experience in strategic development and management, contributing to major decision-making[162]. - The company is committed to transparency in shareholder equity and compliance with regulatory requirements[161]. - The management team is focused on strategic development and operational management to ensure effective implementation of business plans[162].