BANK OF GANSU CO., LTD.* 甘肅銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） 附註： 1. 請用正楷填上本行股東名冊所示的全名。 2. 請用正楷填上本行股東名冊所示的登記地址。 3. 請填上以 閣下的名義登記與代表委任表格有關之H股股份數目。如填上數目，則本代表委任表格將被視為僅與該等H股股份有關。如未有 填上數目，則代表委任表格將被視為與以 閣下名義登記之所有本行股份中的H股股份有關。 4. 有權出席和表決的股東有權委任一位或者一位以上的股東代理人代為出席和表決。代理人不必是本行的股東，惟須親身出席大會以代表 閣 下。 5. 如欲委派大會主席以外之人士為代理人，請將「大會主席」之字樣刪去，並在空欄內填上 閣下所擬委派之人士的姓名及地址。倘並無填寫 姓名，大會主席將作為 閣下的代理人行事。代表委任表格之每項更改須由簽署人簡簽示可。 6. 注意：閣下如欲投票贊成任何決議案，請在「贊成」欄內加上「✓」號；如欲投票反對任何決議案，請在「反對」欄內加上「✓」號；如欲投票棄 權任何決議案，請在「棄權」欄內加上「✓」號，而於計算議案投票結果時將包括 閣下的票數。如 閣下並無在代表委 ...

BANK OF GANSU CO., LTD.* 甘肅銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） （股份代號：2139） 2025年第一次臨時股東大會及其任何續會之代表委任表格 | （附註1） 本人╱吾等 | | | | --- | --- | --- | | （附註2） 地址為 | | | | 持有甘肅銀行股份有限公司（「本行」） | 股H股 | （附註3） ， | | （附註4及附註5） 為貴行的股東，現委任 | 大會主席或 | | | （其地址為） | | 為本人╱吾等之代理人，代表本人╱吾等出席 | | 2025年9月19日（星期五）上午九時正於中國甘肅省蘭州市城關區東崗西路525-1號甘肅銀行大廈四樓會議室舉行的2025年第 | | | 1. 請用正楷填上本行股東名冊所示的全名。 2. 請用正楷填上本行股東名冊所示的登記地址。 3. 請填上以 閣下的名義登記與代表委任表格有關之H股股份數目。如填上數目，則本代表委任表格將被視為僅與該等H股股份有關。如未有 填上數目，則代表委任表格將被視為與以 閣下名義登記之所有本行股份中的H股股份有關。 4. 有權出席和表決的股東有權委任一位或者 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本通告的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示概不就因本通告全部或任何部分內容而產生或因倚賴該等內容而引致的任何 損失承擔任何責任。 劉青 2025年第一次H股類別股東大會通告 茲通告甘肅銀行股份有限公司（「本行」）將於2025年9月19日（星期五）上午十時 或緊隨本行將於同日舉行的2025年第一次內資股類別股東大會結束後（以較遲者為準） 於中國甘肅省蘭州市城關區東崗西路525-1號甘肅銀行大廈四樓會議室舉行本行2025年 第一次H股類別股東大會（「2025年第一次H股類別股東大會」），以審議並酌情通過下 列議案： 特別決議案 審議及批准關於透過轉股協議存款補充其他一級資本的議案。 承董事會命 甘肅銀行股份有限公司* BANK OF GANSU CO., LTD.* 甘肅銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） （股份代號：2139） 董事長 甘肅蘭州 2025年9月4日 – 1 – 附註： 1. 以投票方式表決 根據《香港聯合交易所有限公司證券上市規則》規定，於股東大會上，股東的所有表決必須以投票 方式進行。故此 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本通告的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示概不就因本通告全部或任何部分內容而產生或因倚賴該等內容而引致的任何 損失承擔任何責任。 BANK OF GANSU CO., LTD.* 甘肅銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） （股份代號：2139） 2025年第一次臨時股東大會通告 茲通告甘肅銀行股份有限公司（「本行」）將於2025年9月19日（星期五）上午9時於 中國甘肅省蘭州市城關區東崗西路525-1號甘肅銀行大廈四樓會議室舉行2025年第一次 臨時股東大會（「臨時股東大會」），以審議並酌情通過下列議案： 普通決議案 特別決議案 1. 「動議： (a) 茲批准、追認及確認資產轉讓合同項下擬進行之資產出售事項（其定 義及說明載於日期為2025年9月4日的致本行股東的通函）；及 (b) 茲授權本行董事或本行董事授權之任何其他人士簽署、簽立、完善及 交付其全權酌情認為就執行資產轉讓合同及據此擬進行之所有交易及 其他事宜或其附屬事宜而言屬必要或合宜之所有有關文件，並作出所 有有關契據、行動、事項及事宜，豁免遵守及╱ ...

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年8月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 甘肅銀行股份有限公司 (「本行」) I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 02139 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 3,793,800,000 | RMB | | 1 RMB | | 3,793,800,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 3,793,800,000 | RMB | | 1 RMB | | 3,793,800,000 | | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 ...

此乃要件 請即處理 如 閣下對本通函任何方面或應採取的行動存有任何疑問，應向 閣下的股票經紀或其他註冊證券商、銀行經 理、律師、專業會計師或其他專業顧問進行諮詢。 如 閣下已出售或轉讓名下所有甘肅銀行股份有限公司股份，應立即將本通函連同所附委任表格交給買主或承 讓人，或送交經手買賣或轉讓的銀行、股票經紀或其他代理商，以便轉交買主或承讓人。 香港交易及結算所有限公司及香港聯合交易所有限公司對本通函的內容概不負責，對其準確性或完整性亦不發 表任何聲明，並表明概不就因本通函全部或任何部分內容而產生或因倚賴該等內容而引致的任何損失承擔任何 責任。 BANK OF GANSU CO., LTD.* 甘肅銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） （股份代號：2139） 有關資產出售事項的非常重大出售事項及關連交易 透過轉股協議存款補充其他一級資本 2025年第一次臨時股東大會通告 及 2025年第一次H股類別股東會 獨立董事委員會及獨立股東之獨立財務顧問 德林證券（香港）有限公司 甘肅銀行股份有限公司謹訂於2025年9月19日（星期五）上午9時於中國甘肅省蘭州市城關區東崗西路525-1號甘 肅銀行大 ...

BANK OF GANSU CO., LTD.* 甘肅銀行股份有限公司* (A joint stock company incorporated in the People's Republic of China with limited liability) （於中華人民共和國註冊成立的股份有限公司） (Stock Code 股份代號: 2139) Dear non-registered shareholder(s), 4 September 2025 Reminder Letter regarding the Arrangement of Electronic Dissemination of Corporate Communications With reference to the notification letter dated 16 February 2024 titled "Arrangement of Electronic Dissemination of Corporate Communications", Bank of Gansu Co., Ltd. (the "Bank") is w ...

BANK OF GANSU CO., LTD.* 甘肅銀行股份有限公司* (A joint stock company incorporated in the People's Republic of China with limited liability) （於中華人民共和國註冊成立的股份有限公司） (Stock Code 股份代號: 2139) Dear registered shareholder(s), 4 September 2025 Reminder Letter regarding the Arrangement of Electronic Dissemination of Corporate Communications (Note 1) With reference to the notification letter dated 16 February 2024 titled "Arrangement of Electronic Dissemination of Corporate Communications", Bank of Gansu Co., Ltd. (the "Bank") ...

[Definitions](index=3&type=section&id=Definitions) [Glossary of Terms](index=3&type=section&id=Glossary%20of%20Terms) This chapter defines key terms and abbreviations used in the interim report, covering company articles, regulatory bodies, and financial products - The 'Bank' refers to Bank of Gansu Co., Ltd., incorporated in Gansu Province, China on November 18, 2011[3](index=3&type=chunk) - The 'National Financial Regulatory Administration' replaced the former 'China Banking and Insurance Regulatory Commission' in March 2023[3](index=3&type=chunk)[5](index=5&type=chunk) - The 'Reporting Period' refers to the six months ended June 30, 2025 (i.e., January 1, 2025 to June 30, 2025)[7](index=7&type=chunk) [About the Bank](index=7&type=section&id=About%20the%20Bank) [Basic Information of the Bank](index=7&type=section&id=Basic%20Information%20of%20the%20Bank) This section provides the Bank's legal name, representative, addresses, contact, and H-share listing information - The legal Chinese name is Bank of Gansu Co., Ltd., with Liu Qing as the legal representative[8](index=8&type=chunk) - The Bank's H-shares were listed on the Main Board of the Hong Kong Stock Exchange on January 18, 2018, with stock code **2139**[8](index=8&type=chunk)[11](index=11&type=chunk) [History of the Bank](index=8&type=section&id=History%20of%20the%20Bank) Bank of Gansu was established on November 18, 2011, as a provincial-level city commercial bank to promote Gansu's economic development - Bank of Gansu was officially established on November 18, 2011, as a provincial-level corporate city commercial bank in Gansu Province[9](index=9&type=chunk) - The Bank is not an authorized institution as defined by the Hong Kong Banking Ordinance, is not supervised by the HKMA, and is not permitted to conduct banking business and/or accept deposits in Hong Kong[10](index=10&type=chunk) [Awards Received by the Bank in H1 2025](index=8&type=section&id=Awards%20Received%20by%20the%20Bank%20in%20H1%202025) The Bank received multiple honors in H1 2025, including a global ranking and digital marketing innovation awards Major Honors in H1 2025 | Award and Honor | Awarding Body/Media | | :--- | :--- | | Ranked 356th in The Banker's Top 1000 World Banks 2025, 73rd among Chinese banks | The Banker magazine (UK) | | Awarded "Most Innovative Digital Marketing Brand Award" at the 2025 Golden Mouse International Digital Marketing Festival | Netwin World | [Financial Highlights](index=9&type=section&id=Financial%20Highlights) [Overview of Operating Results](index=9&type=section&id=Overview%20of%20Operating%20Results) Net profit increased by **1.1%** to **RMB 399.0 million**, while operating income decreased by **13.9%** due to market rates and concessions Overview of Operating Results in H1 2025 (RMB million) | Indicator | H1 2025 | H1 2024 | Change Percentage (%) | | :--- | :--- | :--- | :--- | | Net Interest Income | 2,247.1 | 2,537.1 | (11.4) | | Net Fee and Commission Income | 228.3 | 218.9 | 4.3 | | Net Trading Gains | 107.4 | 344.0 | (68.8) | | Net Gains from Investment Securities | 130.1 | 35.1 | 270.7 | | Operating Income | 2,717.4 | 3,156.8 | (13.9) | | Operating Expenses | (1,060.1) | (1,075.7) | (1.5) | | Asset Impairment Losses | (1,317.9) | (1,742.5) | (24.4) | | Profit for the Period | 399.0 | 394.5 | 1.1 | | Basic Earnings Per Share (RMB) | 0.03 | 0.03 | 0.0 | [Key Balance Sheet Indicators](index=10&type=section&id=Key%20Balance%20Sheet%20Indicators) Total assets reached **RMB 427,481.6 million**, up **3.1%**, with customer loans and deposits growing by **4.5%** and **4.1%** respectively Key Balance Sheet Indicators as of June 30, 2025 (RMB million) | Indicator | June 30, 2025 | December 31, 2024 | Change Percentage (%) | | :--- | :--- | :--- | :--- | | Total Assets | 427,481.6 | 414,707.6 | 3.1 | | Of which: Total Customer Loans and Advances (including accrued interest) | 241,906.0 | 231,414.3 | 4.5 | | Total Liabilities | 393,360.1 | 380,869.7 | 3.3 | | Of which: Total Customer Deposits (including accrued interest) | 334,421.3 | 321,379.3 | 4.1 | | Total Equity | 34,121.5 | 33,837.9 | 0.8 | [Profitability and Asset Quality Indicators](index=10&type=section&id=Profitability%20and%20Asset%20Quality%20Indicators) Net interest margin and spread narrowed by **13.4%** and **15.2%**; NPL ratio decreased by **4.1%** to **1.85%**, and provision coverage ratio increased by **2.0%** to **136.79%** Profitability and Asset Quality Indicators in H1 2025 (%) | Indicator | H1 2025 | H1 2024 | Change Percentage (%) | | :--- | :--- | :--- | :--- | | Return on Assets | 0.19 | 0.19 | 0.0 | | Return on Equity | 2.35 | 2.36 | (0.4) | | Net Interest Spread | 0.97 | 1.12 | (13.4) | | Net Interest Margin | 1.12 | 1.32 | (15.2) | | Net Fee and Commission Income to Operating Income Ratio | 8.40 | 6.93 | 21.2 | | Cost-to-Income Ratio | 37.28 | 32.45 | 14.9 | | Non-Performing Loan Ratio | 1.85 | 1.94 | (4.1) | | Provision Coverage Ratio | 136.79 | 134.71 | 2.0 | | Provision to Total Loans Ratio | 2.53 | 2.61 | (2.3) | | Loan-to-Deposit Ratio | 70.44 | 73.17 | 0.4 | - As a non-systemically important bank in China, the Bank's provision to total loans ratio is maintained at a minimum standard of **2.5%**[16](index=16&type=chunk) [Management Discussion and Analysis](index=12&type=section&id=Management%20Discussion%20and%20Analysis) [Environment and Outlook](index=12&type=section&id=Environment%20and%20Outlook) China's economy grew by **5.3%** in H1 2025, with easing monetary policy; Gansu's GDP grew by **6.3%**, and the banking sector focuses on financial strength - China's GDP in H1 2025 was **RMB 66,053.6 billion**, a year-on-year increase of **5.3%**[18](index=18&type=chunk) - Prudent monetary policy shifted to moderately loose in H1, with RRR cuts and policy rate reductions, leading to new corporate loan weighted average interest rates falling to **3.3%** and personal housing loan rates to **3.1%**, both historical lows[19](index=19&type=chunk) - As of end-June 2025, Gansu Province's GDP was **RMB 646.88 billion**, a year-on-year increase of **6.3%**, with the provincial economy continuing its stable and improving trend[20](index=20&type=chunk) [Development Strategy](index=14&type=section&id=Development%20Strategy) The Bank aims to be a 'high-quality listed city commercial bank and preferred regional comprehensive financial service provider,' balancing scale, profitability, risk, and capital - The Bank's development strategy centers on 'value creation' and 'high-quality development,' aiming for balanced growth in scale, profitability, risk, and capital[22](index=22&type=chunk) - The Bank plans to establish government-related finance as a cornerstone business, transform traditional retail and corporate businesses, and develop emerging businesses like special asset management as new profit drivers[22](index=22&type=chunk) - The Bank will continuously enhance core capabilities in risk and internal control compliance, asset-liability management, omni-channel management, and digitalization, while strengthening risk control and promoting light-capital transformation[22](index=22&type=chunk) [Overall Business Review](index=15&type=section&id=Overall%20Business%20Review) Operating income decreased by **13.9%** to **RMB 2,717.4 million**, net profit increased by **1.1%** to **RMB 399.0 million**; assets, loans, and deposits grew, and NPL ratio improved - The Bank's total operating income was **RMB 2,717.4 million**, a **13.9%** decrease year-on-year, with net profit increasing by **1.1%** to **RMB 399.0 million**[23](index=23&type=chunk) - As of June 30, 2025, total assets were **RMB 427,481.6 million**, total customer loans and advances were **RMB 241,906.0 million**, and total customer deposits were **RMB 334,421.3 million**, representing increases of **3.1%**, **4.5%**, and **4.1%** respectively from year-end 2024[23](index=23&type=chunk) - The non-performing loan ratio was **1.85%**, a decrease of **0.08 percentage points** from early 2025[23](index=23&type=chunk) [Consolidated Income Statement Analysis](index=15&type=section&id=Consolidated%20Income%20Statement%20Analysis) Net interest income decreased by **11.4%**; net gains from investment securities increased by **270.7%**, while net trading gains decreased by **68.8%**, resulting in a **1.1%** profit increase - Net interest income decreased by **11.4%** year-on-year to **RMB 2,247.1 million**, primarily due to declining market interest rates and the Bank's proactive interest rate reductions to support the real economy[23](index=23&type=chunk)[26](index=26&type=chunk) Changes in Non-Interest Income in H1 2025 (RMB million) | Indicator | H1 2025 | H1 2024 | Change Percentage (%) | | :--- | :--- | :--- | :--- | | Net Fee and Commission Income | 228.3 | 218.9 | 4.3 | | Net Trading Gains | 107.4 | 344.0 | (68.8) | | Net Gains from Investment Securities | 130.1 | 35.1 | 270.7 | | Net Exchange (Loss)/Gain | (15.9) | 15.9 | (200.0) | | Other Net Operating Income | 20.4 | 5.8 | 251.7 | - Asset impairment losses decreased by **24.4%** year-on-year to **RMB 1,317.9 million**, primarily due to improved asset quality and reduced provision accruals[24](index=24&type=chunk)[65](index=65&type=chunk) - Net interest spread decreased from **1.12%** in H1 2024 to **0.97%** in H1 2025, and net interest margin decreased from **1.32%** to **1.12%**, mainly due to a larger decrease in the average yield on interest-earning assets than in the average cost of interest-bearing liabilities[50](index=50&type=chunk) [Consolidated Balance Sheet Analysis](index=28&type=section&id=Consolidated%20Balance%20Sheet%20Analysis) Total assets reached **RMB 427,481.6 million**, up **3.1%**; customer loans grew **4.5%** to **55.2%** of assets, and deposits grew **4.1%** to **85.0%** of liabilities Composition of Total Assets as of June 30, 2025 (RMB million) | Asset Category | June 30, 2025 | Percentage of Total (%) | December 31, 2024 | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Net Customer Loans and Advances | 235,969.1 | 55.2 | 225,595.6 | 54.4 | | Investment Securities and Other Financial Assets | 141,968.7 | 33.2 | 137,451.3 | 33.1 | | Due from Banks and Other Financial Institutions and Placements with Banks and Other Financial Institutions | 13,905.5 | 3.3 | 6,030.5 | 1.5 | | Cash and Balances with Central Bank | 19,988.9 | 4.7 | 23,171.6 | 5.6 | | Financial Assets Held Under Resale Agreements | 1,855.3 | 0.4 | 8,989.2 | 2.2 | - Total customer loans and advances (including accrued interest) increased by **4.5%** from year-end 2024 to **RMB 241,906.0 million**, with both corporate and retail loans growing[23](index=23&type=chunk)[70](index=70&type=chunk)[73](index=73&type=chunk) Composition of Total Liabilities as of June 30, 2025 (RMB million) | Liability Category | June 30, 2025 | Percentage of Total (%) | December 31, 2024 | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Total Customer Deposits (including accrued interest) | 334,421.3 | 85.0 | 321,379.3 | 84.4 | | Due to Banks and Other Financial Institutions | 9,967.2 | 2.5 | 15,708.6 | 4.1 | | Debt Instruments Issued | 31,914.2 | 8.1 | 27,392.6 | 7.2 | - Total customer deposits increased by **4.1%** from year-end 2024 to **RMB 334,421.3 million**, primarily due to the Bank's increased marketing efforts[23](index=23&type=chunk)[83](index=83&type=chunk) [Asset Quality Analysis](index=34&type=section&id=Asset%20Quality%20Analysis) NPL ratio was **1.85%**, down **0.08 percentage points**, showing improved asset quality; retail NPLs decreased, corporate NPLs slightly increased, and secured loans remain dominant Non-Performing Loans and NPL Ratio as of June 30, 2025 (RMB million) | Indicator | June 30, 2025 | December 31, 2024 | Change in Percentage Points | | :--- | :--- | :--- | :--- | | Total Non-Performing Loans | 4,340.0 | 4,340.7 | (0.7) | | Non-Performing Loan Ratio | 1.85% | 1.93% | (0.08) | - The non-performing loan ratio for retail loans decreased from **4.01%** as of December 31, 2024, to **3.63%** as of June 30, 2025, while that for corporate loans increased from **1.42%** to **1.46%**[97](index=97&type=chunk) - Mortgage loans, pledged loans, and guaranteed loans collectively accounted for **78.2%** of total customer loans and advances, with secured loans remaining the primary form[75](index=75&type=chunk) [Segment Information](index=38&type=section&id=Segment%20Information) The Bank operates corporate, retail, and financial markets segments; corporate banking remains the largest revenue source, but its share decreased, while financial markets' share increased, with most operations in Gansu Operating Income Contribution by Business Segment in H1 2025 (%) | Business Segment | H1 2025 | H1 2024 | | :--- | :--- | :--- | | Corporate Banking Business | 39.3 | 43.6 | | Retail Banking Business | 31.5 | 32.3 | | Financial Markets Business | 27.5 | 22.2 | - The majority of the Group's business is conducted in Gansu Province, China, with all non-current assets and income originating from operations in this region[102](index=102&type=chunk) [Off-Balance Sheet Commitments](index=39&type=section&id=Off-Balance%20Sheet%20Commitments) Off-balance sheet commitments increased by **14.9%** to **RMB 25,409.6 million**, mainly due to increases in letters of credit, bank acceptance bills, and unused credit card limits Off-Balance Sheet Commitments as of June 30, 2025 (RMB million) | Commitment Type | June 30, 2025 | December 31, 2024 | Change Percentage (%) | | :--- | :--- | :--- | :--- | | Bank Acceptance Bills | 7,173.1 | 6,583.5 | 8.9 | | Guarantees | 1,250.1 | 1,276.5 | (2.0) | | Letters of Credit | 6,222.9 | 4,103.9 | 51.6 | | Unused Credit Card Limits | 10,718.2 | 10,109.9 | 6.0 | | Subtotal | 25,364.3 | 22,073.8 | 14.9 | | Capital Commitments | 45.3 | 47.0 | (3.6) | | Total | 25,409.6 | 22,120.8 | 14.9 | [Other Matters](index=39&type=section&id=Other%20Matters) The Bank disbursed **RMB 20.7 million** in ADB re-lending and **RMB 6.52 billion** in inclusive small and micro loans, achieving growth, cost reduction, and structural optimization - The Bank cumulatively disbursed **RMB 20.7 million** in Asian Development Bank re-lending[105](index=105&type=chunk) - As of June 30, 2025, the Bank cumulatively extended **RMB 6.52 billion** in inclusive small and micro loans, effectively achieving the overall goals of 'increasing volume, reducing costs, and optimizing structure' for inclusive finance business[105](index=105&type=chunk) [Business Review](index=40&type=section&id=Business%20Review) This section reviews the operations, products, and financial performance of corporate, retail, and financial markets segments, including distribution network, subsidiaries, and IT systems [Corporate Banking Business](index=40&type=section&id=Corporate%20Banking%20Business) Corporate banking generated **RMB 1,067.5 million** in H1 2025, **39.3%** of total income, offering diverse products and supporting the real economy - Corporate banking business operating income was **RMB 1,067.5 million**, accounting for **39.3%** of total operating income, a year-on-year decrease of **22.4%**[106](index=106&type=chunk)[107](index=107&type=chunk) - As of June 30, 2025, total corporate loans were **RMB 158,048.4 million**, and total corporate deposits were **RMB 85,672.8 million**[106](index=106&type=chunk) - The Bank's domestic settlement transaction volume was approximately **RMB 545.35 billion**, and international settlement transaction volume was **USD 229.9 million**, both showing growth[114](index=114&type=chunk) [Retail Banking Business](index=42&type=section&id=Retail%20Banking%20Business) Retail banking generated **RMB 856.8 million** in H1 2025, **31.5%** of total income, expanding its customer base with diverse products and enhancing brand recognition - Retail banking business operating income was **RMB 856.8 million**, accounting for **31.5%** of total operating income, a year-on-year decrease of **15.9%**[116](index=116&type=chunk)[117](index=117&type=chunk) - As of June 30, 2025, total retail loans were **RMB 56,081.8 million**, and total retail deposits were **RMB 232,393.8 million**[116](index=116&type=chunk) - Cumulative debit card issuance was approximately **8.9 million** cards, credit card issuance was **1,022,300** cards, and acquiring business merchants reached **220,000**[123](index=123&type=chunk)[124](index=124&type=chunk)[125](index=125&type=chunk) - Total sales of retail wealth management products were **RMB 16,789.65 million**, agency insurance sales were **RMB 103.29 million**, and agency wealth management sales were **RMB 11,253.41 million**[128](index=128&type=chunk)[129](index=129&type=chunk) [Financial Markets Business](index=46&type=section&id=Financial%20Markets%20Business) Financial markets business generated **RMB 747.1 million** in H1 2025, **27.5%** of total income, up **6.7%**, involving money market, investment, and wealth management, with optimized strategies enhancing returns - Financial markets business operating income was **RMB 747.1 million**, accounting for **27.5%** of total operating income, a year-on-year increase of **6.7%**[132](index=132&type=chunk)[133](index=133&type=chunk) - Net interest income significantly increased by **59.3%** year-on-year to **RMB 500.5 million**, but net trading gains decreased by **68.8%**[133](index=133&type=chunk) - Total investment securities and other financial assets increased by **3.3%** to **RMB 141,968.7 million**, with a significant increase in the proportion of financial assets measured at fair value through profit or loss[14

甘肃银行拟开展转股协议存款业务，以补充该行其他一级资本，转股协议存款额度不超过30亿元。 8月25日晚，甘肃银行（2139.HK）公告称，为增强资本实力，提升风险抵御能力，甘肃银行拟开展转 股协议存款业务，用于补充该行的其他一级资本。 转股协议存款是一种补充中小银行资本的创新资本工具，指将可用于补充中小银行资本的地方政府债券 资金以存款的形式注入目标银行，补充目标银行资本。 同时，转股协议存款认购主体与目标银行签订 协议，约定在满足转股条件时，转为普通股，或者在转股协议存款到期或可赎回后由目标银行还本付 息。 根据国际、国内监管规则，资本分为三档，分别是核心一级资本、其他一级资本、二级资本，前两者统 称为一级资本。一旦银行发生经营风险，先由核心一级资本吸收损失，再由其他一级资本、二级资本吸 收损失。 公告披露，甘肃银行拟与甘肃省财政厅或其指定主体签订《协议》，约定甘肃省财政厅或其指定主体以 存款的形式将专项债资金存入甘肃银行，补充该行的其他一级资本，甘肃银行每半年支付一次利息，转 股协议存款额度不超过30亿元。存续期间如果触发转股条件，转股协议存款将全部或部分阶段性转为甘 肃银行的普通股。 具体而言，触发转股 ...