EF001 免責聲明 EF001 | 股東類型 | 稅率 | 有關代預扣所得稅之更多補充 | | --- | --- | --- | | | | （如適用） | | 非居民企業 | | | | （非中國內地登記地址） | 10% | 本行向名列於H股股東名冊上的非 | | | | 居民企業股東派發股息時，有義務 | | | | 代扣代繳企業所得稅，稅率為 | | | | 10%。任何以非個人股東名義，包 | | | | 括以香港中央結算（代理人）有限 | | | | 公司，其他代理人或受託人，或其 | | | | 他組織及團體名義登記的股份皆被 | | | | 視為非居民企業股東所持的股份， | | | | 其應得之股息將被扣除企業所得 | | | | 稅。 | | 非個人居民 | | | | （非中國內地登記地址） | 10% | 取得股息的H股個人股東為香港或 | | | | 澳門居民或其他與中國簽訂10%股 | | | | 息稅率的稅收協定的國家（地區） | | | | 的居民，本行派發末期股息時將按 | | | | 10%的稅率代扣代繳個人所得稅 | | 非個人居民 | | | | （非中國內地登記地 ...

Financial Performance - Gansu Bank reported a solid performance for the year ending December 31, 2025, with key financial indicators showing improvement, including a stable asset quality and enhanced core competitiveness [3]. - The bank's capital adequacy ratio continued to improve, reflecting a strong financial foundation and operational resilience [10]. - Interest income for 2025 was RMB 11,836.0 million, a decrease of 8.8% from RMB 12,978.1 million in 2024 [25]. - Net interest income for 2025 was RMB 4,413.2 million, down 4.8% from RMB 4,636.3 million in 2024 [25]. - Total operating income for 2025 was RMB 5,420.7 million, a decline of 9.0% compared to RMB 5,953.9 million in 2024 [25]. - Operating profit for 2025 was RMB 434.4 million, a decrease of 8.7% from RMB 475.7 million in 2024 [25]. - Annual profit for 2025 was RMB 590.9 million, slightly up from RMB 584.7 million in 2024, representing a growth of 0.4% [25]. - The net fee and commission income for 2025 was RMB 447.9 million, an increase of 11.9% from RMB 400.1 million in 2024 [25]. - The asset impairment losses for 2025 were RMB 2,630.7 million, a decrease of 15.1% from RMB 3,101.6 million in 2024 [25]. - Total assets increased to RMB 435,895.9 million in 2025, up from RMB 414,707.6 million in 2024, representing a growth of 4.3% [26]. - Total liabilities rose to RMB 401,520.6 million in 2025, compared to RMB 380,869.7 million in 2024, marking an increase of 5.4% [26]. - The bank's total equity increased to RMB 34,375.3 million in 2025, compared to RMB 33,837.9 million in 2024, reflecting a growth of 1.6% [26]. - The bank's basic earnings per share remained stable at RMB 0.04 for both 2025 and 2024 [26]. Strategic Focus and Development - Gansu Bank actively engaged in supporting the local economy, aligning with national strategic initiatives, and enhancing service to key sectors, which contributed to its growth [9]. - The bank emphasized the importance of high-quality party building to drive high-quality development, integrating governance with business operations [8]. - In 2026, Gansu Bank aims to focus on enhancing operational management and efficiency, with a commitment to risk management and sustainable development strategies [11]. - The bank plans to strengthen its core business and governance while pursuing differentiated development strategies to enhance competitiveness [11]. - Gansu Bank's strategic focus includes improving customer management and team building capabilities to drive future growth [11]. - The bank aims to strengthen customer management and improve profit contributions through a diversified product system [33]. - The bank's strategy includes focusing on traditional business transformation and developing emerging businesses as profit growth points [33]. Risk Management and Compliance - The company is committed to compliance with international financial reporting standards and local regulations [15]. - The company has established a risk management system to enhance operational compliance and risk oversight [14]. - The bank has established a comprehensive anti-money laundering system in accordance with the Anti-Money Laundering Law of the People's Republic of China [194]. - The bank's operational risk management is overseen by the board, with a dedicated committee coordinating efforts to identify, assess, and control operational risks [186]. - The bank's liquidity risk management framework emphasizes the separation of responsibilities for policy implementation and oversight, with the board ultimately responsible for liquidity risk management [187]. - The bank has developed an annual compliance management plan to clarify key compliance work for the year [197]. - The bank closely monitors regulatory changes and reports compliance information and risks to senior management and relevant business lines [199]. Shareholding and Ownership - Gansu Electric Power Investment Group holds approximately 4.21% of the company's shares as of December 31, 2025 [14]. - Gansu Highway Aviation Tourism Investment Group is the major shareholder with an 18.3% stake in the company as of December 31, 2025 [14]. - 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, 2025 [14]. - Jiuquan Iron and Steel Group holds approximately 6.53% of the company's shares as of December 31, 2025 [15]. Customer and Market Engagement - The bank actively promoted inclusive finance and rural revitalization, with a cumulative issuance of agricultural loans amounting to RMB 93.136 billion from 2021 to 2025 [114]. - The total amount of wealth management products sold to corporate clients was RMB 503 million in 2025, compared to RMB 950 million in 2024 [123]. - Domestic settlement transaction volume reached approximately RMB 1,128.77 billion in 2025, an increase from RMB 984.91 billion in 2024 [125]. - Retail loans totaled RMB 540.66 billion in 2025, representing 23.5% of total customer loans, up from RMB 538.16 billion and 23.3% in 2024 [131]. - The total number of debit cards issued reached approximately 8.99 million by the end of 2025, with transaction amounts of RMB 456.63 billion in 2025 and RMB 568.31 billion in 2024 [135]. Technology and Innovation - The company plans to invest approximately RMB 206.7 million and RMB 154.6 million in information technology systems in 2024 and 2025, respectively [172]. - By the end of 2025, 23 out of 31 awarded products from the "Gansu Bank Smart Innovation" competition will have been launched, achieving a conversion rate of 74.19% [173]. - The company has launched 37 information system construction projects in 2025, including a smart transaction anti-fraud monitoring platform that monitored 1.787 billion transactions and blocked 386,600 transactions worth RMB 538,100 [173]. - The company has enhanced its self-developed capabilities, obtaining 4 new national software copyrights, bringing the total to 30 [173]. - The company has successfully implemented 43 online applications and 117 integrated service management platform processes to enhance operational efficiency [173]. Asset Quality and Loan Performance - The bank's non-performing loans amounted to RMB 4,323.1 million, with a non-performing loan ratio of 1.93% [96][97]. - The total amount of overdue loans was RMB 5,451.9 million, accounting for 2.4% of total loans, compared to RMB 6,380.7 million or 2.8% as of December 31, 2024 [107]. - The non-performing loan ratio for corporate loans decreased from 1.42% as of December 31, 2024, to 1.38% as of December 31, 2025, a decline of 0.04 percentage points [105]. - Retail loans saw an increase in the non-performing loan ratio from 4.01% to 4.16% over the same period, an increase of 0.15 percentage points [105]. - The total amount of company loans was RMB 149,942.3 million as of December 31, 2025, accounting for 65.4% of total customer loans, down from 66.6% in 2024 [117].

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公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公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。 甘肅銀行股份有限公司* 董事長 劉青 甘肅蘭州 2026年3月17日 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） 董事會會議召開日期 甘肅銀行股份有限公司（「本行」）董事（「董事」）會（「董事會」）謹此宣佈，董事會 會議將於2026年3月27日（星期五）舉行，以（其中包括）審議及批准本行及其附屬 公司截至2025年12月31日止年度的全年業績及其刊發，以及考慮建議派發末期股 息（如有）。 承董事會命 於本公告日期，董事會成員包括執行董事劉青先生；非執行董事張斌先生、張軍 平先生、劉建先生、葉榮先生、李春先生及楊春梅女士；以及獨立非執行董事劉 光華先生、王雷先生、侯百燊先生、李宗義先生及邱勇攀先生。 * 甘肅銀行股份有限公司並非香港法例第155章銀行業條例所指認可機構，不受限於香港金 融管理局的監督，亦不獲授 ...

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: 2026年2月28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」) 呈交日期: 2026年3月5日 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 ...

Core Viewpoint - Gansu Bank is committed to enhancing financial services during the 2026 Spring Festival by implementing a comprehensive support system that integrates digital transformation, customer-centric service, and community engagement [1][8]. Group 1: Service Preparation and Safety Measures - Gansu Bank has proactively planned and deployed strategies to ensure smooth and efficient financial services during the Spring Festival, establishing a robust service guarantee system [2][10]. - The bank has organized teams for emergency response and monitoring, ensuring 24/7 availability to address any unexpected situations [2][10]. - Comprehensive safety checks have been conducted across all branches to ensure the security of facilities and services during the festive period [2][10]. Group 2: Offline Customer Engagement - Gansu Bank focuses on providing personalized offline services, optimizing branch layouts to accommodate high customer traffic areas during the festival [3][11]. - The bank has prepared sufficient new banknotes to meet the increased demand for cash withdrawals and "lucky money" exchanges during the holiday [3][11]. - Special services for elderly and disabled customers have been enhanced, including user-friendly self-service devices and dedicated support staff [4][12]. Group 3: Community Outreach and Financial Education - The bank has deployed "financial service teams" to local markets and communities, offering essential services and financial education to residents and returning migrants [5][13]. - Efforts have been made to educate the public on fraud prevention, particularly targeting vulnerable groups such as the elderly [5][13]. Group 4: Online Services and Innovations - Gansu Bank has optimized its online service platforms to provide uninterrupted access to various financial services during the Spring Festival [6][14]. - Enhanced features such as real-time transaction alerts and robust security measures have been implemented to ensure customer safety and convenience [6][14][15]. Group 5: Promotional Activities - The bank has launched a series of promotional activities to enhance customer experience during the Spring Festival, including discounts and special offers for cardholders [7][16]. - These initiatives aim to enrich customer engagement and satisfaction, contributing to a festive atmosphere [7][16].

Core Viewpoint - Gansu Bank is undergoing significant management changes and regional financial reforms, which may impact its long-term strategic positioning [1] Group 1: Management Changes - On January 15, 2026, the Gansu Regulatory Bureau approved Shi Hailong as the new president of Gansu Bank, with the management team now consisting of one president and three vice presidents [1] - The announcement of this personnel adjustment was made public in early February 2026 [1] Group 2: Regional Financial Reforms - The Gansu provincial government has included the establishment of Gansu Rural Commercial Bank in its 2026 work report, as part of the reform of small financial institutions, which could influence Gansu Bank's strategic direction [1] Group 3: Stock Performance - Gansu Bank's stock (HK code: 02139.HK) showed narrow fluctuations over the past seven trading days, closing at HKD 0.25 on February 13, 2026, with a daily decline of 2.35% and a cumulative drop of 0.40% during the period [1] - The average daily trading volume was approximately HKD 190,000, with a turnover rate below 0.03%, indicating low market participation [1] - Technical indicators show the stock price oscillating around the 5-day moving average of HKD 0.25, with MACD near the zero axis and KDJ indicator neutral at 43.62 [1] Group 4: Financial Performance - As of mid-2025, Gansu Bank's total assets reached CNY 427.48 billion, a 3.1% increase from the end of 2024, but operating income decreased by 13.9% year-on-year [2] - The net profit attributable to shareholders increased slightly by 1.1%, indicating a "profit increase without revenue increase" trend, primarily due to declining market interest rates and proactive interest rate cuts [2] - The non-performing loan ratio improved to 1.85% by June 2025, down 0.08 percentage points from the end of 2024, but the provision coverage ratio of 136.79% remains below the average level for city commercial banks [2] - The bank has not distributed dividends for six consecutive years, with the board stating this is to strengthen its capital base [2] Group 5: Institutional Perspectives - Current institutional interest in Gansu Bank is low, with only one institution providing a target price of HKD 1.36, indicating a significant premium over the latest closing price of HKD 0.25 [2] - The market generally perceives the bank's valuation to be constrained by regional economic conditions and the pace of asset quality improvement [2]

Group 1: Management Changes - The Gansu Banking Regulatory Bureau has approved Shi Hailong as the new president of Gansu Bank, marking a new phase for the bank's management team [1] - Shi Hailong, aged 52, has extensive experience in financial institutions and government financial management [1] - The bank's management structure now consists of one president and three vice presidents, with concerns about stability as the chairman, Liu Qing, approaches retirement [1] Group 2: Stock Performance - Gansu Bank's stock price has shown significant fluctuations over the past seven trading days, with a closing price of HKD 0.24 on February 5, rising to HKD 0.27 on February 6, and closing at HKD 0.249 on February 10, resulting in a cumulative increase of 2.47% [2] - The stock experienced a trading range of 9.47% during this period, with an average daily trading volume of approximately HKD 190,000 and a turnover rate below 0.03%, indicating low market participation [2] - Technical indicators show the stock price oscillating around the 5-day moving average of HKD 0.247, with the MACD histogram near the zero axis and KDJ indicators remaining neutral, suggesting a lack of clear direction in the short term [2] Group 3: Financial Performance - As of mid-2025, Gansu Bank's total assets reached CNY 427.482 billion, reflecting a 3.1% increase compared to the end of 2024, while operating income decreased by 13.9% year-on-year [3] - The net profit attributable to shareholders saw a slight increase of 1.1%, indicating a trend of "profit growth without revenue growth" [3] - The decline in revenue is primarily attributed to falling market interest rates and proactive interest rate cuts, leading to an 11.4% reduction in net interest income [3] - The non-performing loan ratio stood at 1.85% as of June 2025, a decrease of 0.08 percentage points from the end of 2024, but the provision coverage ratio of 136.79% remains below the average level for city commercial banks [3] - The bank has not distributed dividends for six consecutive years, with the board stating that this is aimed at strengthening the capital base [3]

Core Viewpoint - The appointment of Shi Hailong as the new president of Gansu Bank marks a significant shift in the management of the bank, which has been facing challenges in asset quality and investor confidence since its listing in 2018. The bank's performance has shown a trend of "profit growth without revenue growth," raising questions about its future strategy and ability to restore investor trust [3][4][10]. Group 1: Management Changes - Shi Hailong's appointment as president was officially approved in mid-January 2026, following his previous role as deputy secretary of the bank's party committee [4][8]. - The new management structure includes Shi Hailong as president and three vice presidents: Hao Jumei, Du Jing, and Sun Xiaoming, indicating a stable leadership team [8][10]. Group 2: Financial Performance - As of June 30, 2025, Gansu Bank's total assets reached 427.48 billion yuan, a 3.1% increase from the end of 2024. However, the bank's operating income fell by 13.9% year-on-year to 2.717 billion yuan, while net profit attributable to shareholders grew by 1.1% to 398 million yuan [12][14]. - The bank has not distributed dividends for six consecutive years since its listing, which has led to investor dissatisfaction and concerns about its financial health [16][18]. Group 3: Asset Quality - Gansu Bank's non-performing loan (NPL) ratio stood at 1.85% as of June 30, 2025, with a provision coverage ratio of 136.79%. This is slightly above the average NPL ratio of 1.76% for city commercial banks, indicating room for improvement in asset quality [21][24]. - The bank has focused on reducing its NPL ratio, which had exceeded 2% for four consecutive years from 2020 to 2023, and has implemented measures to manage and dispose of non-performing assets [21][23]. Group 4: Market Performance - Gansu Bank's stock price has significantly declined, trading around 0.25 HKD per share, which is approximately 90% lower than its initial public offering price of 2.69 HKD, leading to its classification as a "penny stock" [3][16]. - The bank's high concentration of loans to single borrowers has raised regulatory concerns, with the largest borrower accounting for 25.06% of the bank's capital net worth, exceeding regulatory limits [26][28].

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: 2026年1月31日 狀態: 新提交 FF301 II. 已發行股份及/或庫存股份變動及足夠公眾持股量的確認 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」) 呈交日期: 2026年2月5日 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 R ...

Group 1 - The Gansu Financial Supervision Administration approved the appointment of Shi Hailong as the president of Gansu Bank [2] - Several senior executives at Gansu Bank's branches received approval for their positions, including Huang Bingsen and Yang Tingting as vice presidents of the Baiyin branch, and Wen Jiahui as vice president of the Pingliang branch [3] - Wang Xizhen resigned from his positions as president and executive director of Gansu Bank due to job relocation, and he was appointed as the chairman of Hualong Securities [3] Group 2 - Starting from September 2025, Shi Hailong will serve as the deputy secretary of the Gansu Bank Party Committee [4] - On September 15, the board of directors of Gansu Bank recommended appointing Shi Hailong as the president, with his term starting from the date his appointment is approved by the Gansu Financial Supervision Administration until the end of the fourth board's term [4]