Core Viewpoint - Gansu Bank is actively transforming its mobile financial services by integrating digital technology, enhancing user experience, and ensuring security, aiming to provide comprehensive financial solutions to a wide range of customers in the digital economy era [1][4]. Group 1: Digital Transformation - Gansu Bank is advancing its digital transformation by shifting financial services from traditional branches to mobile platforms, creating a comprehensive mobile financial service ecosystem [1]. - The bank's mobile banking app has been upgraded to the 2025 version, featuring simplified layouts, improved interaction experiences, and consistent services across different operating systems [2]. - The app integrates various public services, allowing users to access high-frequency services like social security and utility payments, thereby reducing the need for physical visits [2]. Group 2: User Experience Enhancement - Gansu Bank has launched a "Senior Version" of its mobile banking app, designed with inclusive features to cater to the elderly, ensuring ease of use and accessibility [3]. - The app includes safety measures such as enhanced security protocols and user-friendly interfaces, while traditional banking services remain available for seniors at physical branches [3]. - The bank has implemented a multi-channel customer service approach, integrating various support options within the mobile app to ensure timely assistance [2][3]. Group 3: Security Measures - Gansu Bank employs national-level encryption algorithms and multiple identity verification methods to secure user data and transactions [4]. - The bank's mobile banking system features real-time transaction monitoring and fraud detection to protect customer accounts from suspicious activities [4]. - In recognition of its innovative channel integration capabilities, Gansu Bank's mobile banking service received the "2024 Digital Finance Gold List Award" for its comprehensive strength in user experience and security [4].

Core Viewpoint - The article highlights a green revolution in Jinchang, Gansu, focusing on the transformation of high-salinity wastewater into valuable products, showcasing the collaboration between Gansu Bank and local enterprises to promote a circular economy [1][2][6]. Group 1: Project Overview - Gansu Kexing Salt Chemical Co., Ltd. is processing high-salinity wastewater to produce high-value potassium perchlorate, achieving "waste salt rebirth" [1][2]. - The high-salinity wastewater treatment project was signed at the 29th Lanzhou Investment and Trade Fair in July 2023, addressing complex wastewater from large enterprises like Jinchuan Group [2][3]. - The project aims to achieve an annual production of 30,000 tons of potassium perchlorate and treat 1 million cubic meters of high-salinity wastewater, with a resource utilization rate of 100% [3]. Group 2: Financial Support - Gansu Bank's Jinchang branch provided a comprehensive financial service plan, including 110 million yuan in fixed asset loans and 15 million yuan in working capital loans, utilizing innovative collateral methods [2][4]. - The bank's support enabled the project to overcome significant funding gaps and facilitated rapid project implementation, achieving production readiness in under 18 months [3][4]. Group 3: Technological Advancements - The project features advanced production processes with high automation, requiring only 3-4 workers per shift, and incorporates a zero-carbon production method relying solely on electricity [4][5]. - The implementation of a flexible production system allows for real-time adjustments based on electricity load and raw material supply, optimizing cost and output [5]. Group 4: Economic and Environmental Impact - The successful implementation of the project exemplifies the integration of finance and the real economy, contributing to the green transformation of Jinchang's industrial landscape [7][8]. - The project not only addresses environmental challenges but also strengthens the resource recycling industry cluster in Jinchang, showcasing a model for regional circular economy [7][8].

Core Viewpoint - Gansu Bank has announced the transfer of a non-performing loan involving Gansu Traveler Car Rental Company, which has been overdue for 3,182 days, indicating a long-standing dispute and significant financial distress for the bank [1][3]. Group 1: Loan Transfer Details - The total amount of unpaid principal and interest for the loan is 45.51 million, with the principal at 16.5 million and interest at 29.01 million, nearly double the principal amount [1][3]. - Gansu Bank has classified this loan as a loss asset, meaning all possible recovery measures have been exhausted, and the initial transfer price is set at 3.7 million, less than 10% of the total unpaid amount [1][3]. Group 2: Historical Context - Gansu Bank has been pursuing debt recovery since July 2019, involving legal actions against the borrower, which has faced multiple financial restrictions and legal challenges [1][3]. - The bank has already written off four loans related to this case, indicating a significant acknowledgment of losses [3]. Group 3: Broader Asset Quality Issues - The transfer of this non-performing loan is part of a larger trend, as Gansu Bank has been frequently disposing of bad debts at a loss to manage total risk, with 6.7 billion in non-performing loans transferred in the first ten months of 2024 [5]. - The bank's non-performing loan ratio was reported at 2.0% in 2022 and 2023, slightly improving to 1.93% in 2024, but it remains the highest among comparable listed city commercial banks [6][9]. Group 4: Financial Performance - Gansu Bank's financial performance has deteriorated, with a net interest margin dropping to a historical low of 1.18% and a 10.7% decline in operating income year-on-year for 2024 [10][11]. - The bank has not issued dividends for six consecutive years, reflecting a cautious approach to capital distribution amid ongoing financial challenges [10][11]. Group 5: Management and Future Outlook - The current management team, led by Chairman Liu Qing and President Wang Xizhen, has been in place for several years, and there is an urgent need for improved risk management and operational strategies to enhance performance and restore investor confidence [11].

Group 1 - The 2025 Golden Mouse International Digital Marketing Festival concluded in Beijing, with Gansu Bank's WeChat public account winning the "Most Innovative Brand in Digital Marketing" award [1][4] - The festival, known as a "barometer of digital marketing," has covered over 6,000 brands since its inception in 2009, attracting participation from over 500 brands this year [4] - Gansu Bank has focused on digital transformation as a key strategy, achieving over 4.7 million electronic banking users and launching a paperless business process [4] Group 2 - Gansu Bank emphasizes its social responsibility as a provincial state-owned bank, aiming to serve urban and rural residents, small and medium enterprises, and the local economy [4] - The bank plans to continue advancing its financial technology development and expand the breadth and depth of its digital financial services [4]

《庄子·寓言》中以"鲐背"比喻通达天道的智者。但是对于"鲐背之年"朱奶奶，90岁高龄给她带来更多的是行动 上的不便。她住在兰州市内，尽管社区附近就有银行网点，但朱奶奶每个月还是会因为需要亲自到网点取养老 金而发愁。 72岁的徐先生和老伴在天水操劳了一辈子。和大多数老年人一样，他们选择跟随儿女离开天水、异省定居。去 年底一次操作不当，二老不慎把银行发的社保卡密码锁定，徐先生和老伴的原单位已在改制中解散。更为棘手 的是，两位老人对APP手机操作不知所措。 准确而言，在他们所在的陇原大地，有着属于自己的尊老敬老记忆。甘肃武威出土的汉代简牍，记载了汉宣帝 时期颁布的养老"法典"，规定70岁以上老人可获赠象征尊贵的鸠杖。持杖者享有免税、免租、出入官府不跪拜 等特权。鸠杖顶端饰以彩绘漆木鸠，寓意"不噎之鸟"，而鸠与"久"同音，象征对老人健康长寿的祝愿。 截至2024年末，甘肃省60岁及以上人口占全省常住人口的比重达20.06%，从全国来看，这一比重也已达到 22.0%。"老吾老以及人之老"，在一个中度老龄化社会中，养老命题的新思考从未停息。而在老龄化浪潮之下， 如何让金融服务"慢下来"等一等银发群体，又如何"快起来"跟上 ...

Core Viewpoint - Gansu Bank employees are dedicated to providing warm and thoughtful services during the May Day holiday, showcasing their commitment to customer care and community support [1]. Group 1: Customer Service Excellence - Employees at Gansu Bank are referred to as "hexagonal warriors" at the counter, emphasizing their multifaceted service capabilities [2]. - A staff member known as "human calculator" demonstrates exceptional speed and adaptability in handling customer transactions and inquiries [5][6]. - The bank's approach includes personalized assistance for elderly customers, such as demonstrating how to use banking technology and providing on-site support for issues like activating social security cards [7][8]. Group 2: Client Relationship Management - Retail customer manager Xiao Wang has successfully served over ten thousand clients without any complaints, highlighting her attention to detail and personalized service [14]. - She engages with clients by relating financial concepts to their everyday lives, making financial literacy more accessible [14]. - The bank's strategy includes building long-term relationships with clients, as seen in the way staff members take time to understand individual client needs before offering tailored financial solutions [14]. Group 3: Business Support Initiatives - Client manager Xiao Miao actively engages with local businesses, providing support by understanding their unique financial situations and helping them secure loans despite traditional barriers [18][19]. - The bank emphasizes a long-term partnership approach, regularly visiting businesses to maintain relationships and offer ongoing support [19]. - Gansu Bank's commitment to service during holidays reflects a broader dedication to community engagement and support for local enterprises [19].

家人们！ 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。 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， 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。 ...

Core Viewpoint - Gansu Bank reported a decline in both operating income and net profit for the year 2024, marking a significant downturn compared to previous years [1][2][3]. Financial Performance - In 2024, Gansu Bank's operating income was 5.954 billion RMB, a decrease of 10.7% year-on-year [2]. - The net profit attributable to shareholders was 582 million RMB, down 9.65% compared to 2023 [2][5]. - The bank's operating income reached a five-year low in 2024, with previous years' figures being 6.493 billion RMB (2020), 6.665 billion RMB (2021), 6.527 billion RMB (2022), and 6.278 billion RMB (2023) [3]. Profitability Trends - From 2020 to 2023, Gansu Bank's net profit growth rates were 9.63%, 2.24%, 5.39%, and 7.17%, respectively. The 2024 net profit decline represents the first drop in five years [6]. Asset and Loan Metrics - As of the end of 2024, Gansu Bank's total assets amounted to 414.708 billion RMB, reflecting a year-on-year increase of 6.7% [6]. - The total amount of customer loans and advances was 231.414 billion RMB, up 3.8% year-on-year [6]. - The non-performing loan ratio stood at 1.93%, a decrease of 0.07% from the end of 2023 [6]. - Customer deposits totaled 321.379 billion RMB, marking an 8.7% increase year-on-year [6]. Employee Statistics - As of December 31, 2024, Gansu Bank employed 4,595 staff, an increase of 90 employees from the end of 2023 [7]. Executive Compensation - In 2024, the chairman Liu Qing received a salary of 886,000 RMB, while the president Wang Xizhen earned 737,000 RMB, with Wang's salary increasing by 11.16% [9][10].

Core Viewpoint - The National Cybersecurity and Information Security Information Notification Center reported that 67 mobile applications are illegally collecting and using personal information, with financial apps being the most affected [1][3][5]. Group 1: Violations Identified - 15 financial apps were named for multiple violations, including lack of clear privacy policies, failure to inform users about third-party information sharing, and not providing a way to withdraw consent [1][3][5]. - Specific apps such as Zhong'an Loan, Cloud Financial, and others were found to have incomplete privacy policies and issues with user consent [5][6]. Group 2: Categories of Violations - The reported violations fall into five main categories: incomplete privacy policies, unauthorized third-party information sharing, lack of user rights protection features, absence of consent withdrawal options, and unauthorized processing of sensitive personal information [5][6]. - For instance, apps like Zhong'an Loan and Cloud Financial failed to list the purposes, methods, and scope of personal information collection [5][6]. Group 3: Banking Apps on the List - Six banking apps were also highlighted, including Gansu Bank and Lanzhou Bank, primarily for not providing a way for users to withdraw consent for personal information collection [8][15]. - Gansu Bank's app has a significant user base, with 2.949 million downloads, and emphasizes digital financial services [12][8]. Group 4: Regulatory Response - The regulatory environment is tightening, with new policies aimed at enhancing personal information protection in the financial sector, including specific requirements for mobile app management [18][19]. - Financial institutions are urged to adopt comprehensive risk management practices and ensure compliance with personal information handling regulations [18][19].

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[24] - Net interest income decreased to RMB 4,636.3 million in 2024, down 14.7% from RMB 5,434.5 million in 2023[24] - 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[24] - Annual profit for 2024 was RMB 584.7 million, representing a decrease of 9.6% from RMB 646.6 million in 2023[24] - The bank's operating profit for 2024 was RMB 475.7 million, down 16.4% from RMB 569.3 million in 2023[24] - The bank's net fee and commission income for 2024 was RMB 400.1 million, a slight increase from RMB 379.9 million in 2023[24] - The bank's total operating expenses for 2024 were RMB 2,376.6 million, a marginal decrease from RMB 2,388.8 million in 2023[24] - The bank's tax expense for 2024 was RMB 109.0 million, an increase from RMB 77.1 million in 2023[24] - The cost-to-income ratio increased from 34.29% in 2023 to 38.20% in 2024, reflecting a rise of 11.4%[69] - The company reported a significant increase in operating profit by 29.2% to RMB 801.6 million in 2024 compared to RMB 620.2 million in 2023[131] Asset and Liability Management - Total assets and liabilities increased by over 6%, reaching RMB 400 billion, with loan growth at 4.27% and general deposits up by 9.46%[7] - Total assets increased to RMB 414,707.6 million in 2024, up from RMB 388,588.7 million in 2023, representing a growth of 3.2%[25] - 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%[25] - 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%[25] - Customer deposits increased by 8.7% year-on-year to RMB 321,379.3 million[33] - The total amount of customer loans and advances increased by 3.8% to RMB 231,414.3 million as of December 31, 2024, accounting for 55.8% of total assets[81] - The provision for impairment losses on customer loans and advances increased by 0.6% from RMB 5,781.8 million to RMB 5,818.7 million, reflecting a proactive approach to risk management[88] Loan Portfolio and Quality - Cumulative loan issuance exceeded RMB 100 billion, with green and technology loans growing over 20%[7] - The company’s loan portfolio to manufacturing, leasing and business services, construction, wholesale and retail, and real estate sectors constituted 67.4% of the total corporate loan portfolio as of December 31, 2024[102] - The non-performing loans (NPLs) stood at RMB 4,340.7 million, with a non-performing loan ratio of 1.93%, down from 2.00% in the previous year[99] - The non-performing loan ratio improved to 1.93%, a decrease of 0.07% from the end of 2023, due to enhanced asset management practices[33] - The non-performing loan (NPL) ratio for corporate loans decreased from 1.64% to 1.42%, a decline of 0.22 percentage points[107] - The non-performing loan (NPL) ratio for retail loans increased from 3.82% to 4.01%, an increase of 0.19 percentage points[107] Shareholder Information - Gansu Electric Power Investment Group holds approximately 4.21% of the company's shares as of December 31, 2024[12] - Gansu Highway Aviation Tourism Investment Group is the major shareholder with an 18.3% stake in the company as of December 31, 2024[12] - 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[12] - Jiuquan Steel Group holds approximately 6.53% of the company's shares as of December 31, 2024[13] Strategic Initiatives - The company aims to enhance customer management and team building, focusing on risk management and efficiency improvement in 2025[9] - The company aims to expand its market presence through strategic partnerships and potential acquisitions[12] - The company is focused on green finance initiatives to support environmental improvement and resource efficiency[12] - The bank aims to enhance risk management and optimize its income structure as part of its strategic development plan[32] - The bank's strategy includes transforming traditional businesses and focusing on emerging sectors to drive profit growth[32] 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[175] - The bank launched 43 information system construction projects, including a mobile banking application compatible with Huawei's HarmonyOS, and an intelligent transaction anti-fraud monitoring platform that monitored 136 million transactions[175] - The bank's investment in information technology systems was approximately RMB 198.3 million in 2023 and RMB 206.7 million in 2024[174] Risk Management - The bank's risk management strategy includes a comprehensive assessment of credit, market, operational, and liquidity risks, with regular evaluations reported to the board[177] - The company has established a GRC system for internal control and operational risk management, allowing for the identification, measurement, and monitoring of operational risks[188] - Liquidity risk management focuses on ensuring timely access to sufficient funds to meet obligations, with the board of directors ultimately responsible for liquidity risk management[189] - The liquidity coverage ratio increased to 190.88% as of December 31, 2024, compared to 157.69% in 2023[191] - The net stable funding ratio was 131.80% as of December 31, 2024, down from 139.92% on September 30, 2024[191] Customer Engagement and Services - The company has over 369,600 wealth clients and more than 3,065 private banking clients as of December 31, 2024[130] - The total transaction volume for the company's acquiring business reached approximately RMB 115 billion in 2024, up from RMB 89.477 billion in 2023[139] - The company sold retail wealth management products totaling RMB 32,819.74 million and RMB 33,074.05 million in 2024 and 2023, respectively, with over 153,911 retail wealth management customers as of December 31, 2024[141] - The bank held government bonds with a face value of RMB 32,139.4 million as of December 31, 2024[159] - The bank's online banking services included account management, information inquiry, and investment services[166]