累计投放各项贷款超9000亿元，普惠小微贷款、科技贷款、绿色贷款保持快速增长，投向农村区域的贷 款余额接近320亿元…… 荣获10次"省长金融奖"、5次全省脱贫攻坚"民心奖"，2次"全省脱贫攻坚帮扶先进集体"称号；连续9年 入围中国银行业协会发布的"中国银行业100强榜单"…… 这是甘肃银行以高质量金融供给赋能地方经济社会蓬勃发展的生动缩影，也是甘肃银行为自己成立十三 周年献上的一份厚礼。 十三载风雨兼程，十三载春华秋实。作为扎根陇原大地的金融主力军和先行者，甘肃银行始终坚守"服 务地方经济、服务中小企业、服务'三农'发展、服务城乡居民"的市场定位，深耕主责主业，不断延伸 服务触角，创新服务模式，丰富服务内容，以务实之举、有效之策赢得了广大客户的信赖和社会各界的 认可，为陇原经济社会高质量发展交出了一份优异的金融答卷。 党建引领方向明 凝心聚力促发展 本固则枝荣，根深则叶茂。建行13年来，甘肃银行始终把高质量党建引领高质量发展作为贯穿全行改革 发展的主线，切实把党建优势转化为发展优势。 突出领航定向，强化政治引领力。甘肃银行充分发挥党委把方向、管大局、保落实的领导作用，完 善"双向进入、交叉任职"领导体制，修 ...

不受限於香港金融管理局的監督,亦不獲授權在香港經營銀行／接受存款業務。 甘肅銀行股份有限公司 BANK OF GANSU CO.,LTD*. ( 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ) 股份代號：2139 2024 中 期 報 告 * 甘肅銀行股份有限公司並非香港法例第155章銀行茶條例所指認可撥構 · 第三章 財務摘要 9 第四章 管理層討論與分析 12 第五章 股本變動及股東詳情 61 第六章 董事、監事、高級管理層、僱員及組織 64 第七章 重要事項 76 第八章 簡明合併財務報表的審閱報告 80 第九章 簡明合併財務報表附註 90 第十章 未經審計補充財務信息 154 目 錄 第一章 釋義 2 第二章 本行簡介 6 第一章 釋義 於本中期報告中，除文義另有所指外，下列詞彙具有以下涵義： | --- | --- | --- | |------------------------|-------|-------------------------------------------------------------------------------------- ...

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，並表明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。 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） 截至2024年6月30日止六個月之中期業績公告 甘肅銀行股份有限公司（「* 本行」）董事會（「董事會」）欣然宣佈本行及其附屬公司 截至2024年6月30日止六個月之未經審核中期業績。本公告列載本行2024年中期 報告全文，並符合《香港聯合交易所有限公司證券上市規則》中有關中期業績初步 公告附載資料的要求。本行2024年的中期報告將於2024年9月刊載於香港交易及 結算所有限公司的網站 www.hkexnews.hk 及本行網站 www.gsbankchina.com 。 承董事會命 甘肅銀行股份有限公司* 董事長 劉青 甘肅蘭州 2024年8月29日 於本公告日期，董事會成員包括執行董事劉青先生及王錫真先生；非執行董事張 軍平先生、張婷婷女士、張有達先生、郭繼榮先生及楊 ...

Rankings and Awards - Gansu Bank ranked 55th in the "Top 100 Chinese Banks" list by the China Banking Association for the 8th consecutive year[3] - Gansu Bank ranked 315th globally and 63rd domestically in the "Top 1000 World Banks 2023" by The Banker magazine[3] - Gansu Bank achieved the Provincial Governor's Financial Award for the 10th time in 2023[3] - The bank ranked 315th in the 2023 Top 1000 World Banks and 63rd among Chinese banks, according to The Banker magazine[12] Shareholder Structure - Gansu Bank's major shareholder, Gansu Provincial Highway Aviation Tourism Investment Group, holds approximately 18.30% of the bank's shares as of December 31, 2023[6] - Gansu Provincial State-owned Assets Investment Group directly holds approximately 12.67% of Gansu Bank's shares and indirectly holds about 10.74% through its subsidiaries as of December 31, 2023[6] - Gansu Bank's largest shareholder, Jinchuan Group, holds approximately 6.53% of the bank's shares as of December 31, 2023[7] Financial Performance - Net interest income for 2023 was RMB 5,434.5 million, an increase of 7.2% compared to RMB 5,067.9 million in 2022[13] - Fee and commission income for 2023 was RMB 424.0 million, a decrease of 8.6% compared to RMB 464.0 million in 2022[13] - Trading net income for 2023 was RMB 629.0 million, a decrease of 17.5% compared to RMB 762.1 million in 2022[13] - Investment securities net income for 2023 was RMB 116.6 million, an increase of 124.7% compared to RMB 51.9 million in 2022[13] - Exchange net income for 2023 was RMB 47.5 million, a decrease of 77.3% compared to RMB 209.6 million in 2022[13] - Operating income for 2023 was RMB 6,665.1 million, an increase of 2.1% compared to RMB 6,526.8 million in 2022[13] - Operating expenses for 2023 were RMB 2,388.8 million, an increase of 2.2% compared to RMB 2,337.9 million in 2022[13] - Asset impairment losses for 2023 were RMB 3,707.0 million, an increase of 2.5% compared to RMB 3,618.4 million in 2022[13] - Annual profit for 2023 was RMB 646.6 million, an increase of 7.0% compared to RMB 604.3 million in 2022[13] - Total assets increased to RMB 388.5887 billion in 2023, up from RMB 377.2025 billion in 2022[14] - Customer loans and advances grew to RMB 222.8716 billion in 2023, compared to RMB 214.2724 billion in 2022[14] - Customer deposits rose to RMB 295.5562 billion in 2023, up from RMB 279.0392 billion in 2022[14] - Net interest margin (NIM) improved to 1.48% in 2023 from 1.45% in 2022[14] - Non-performing loan (NPL) ratio remained stable at 2.00% in 2023, unchanged from 2022[14] - Provision coverage ratio stood at 133.39% in 2023, slightly down from 134.73% in 2022[14] - Core tier 1 capital adequacy ratio decreased to 11.38% in 2023 from 11.76% in 2022[14] - Total operating income for 2023 was RMB 6,665.1 million, a 2.1% increase from RMB 6,526.8 million in 2022[21] - Net profit for 2023 increased by 7.0% to RMB 646.6 million, up from RMB 604.3 million in 2022[21] - Total assets as of December 31, 2023, were RMB 388,588.7 million, a 3.0% year-on-year increase[21] - Customer loans and advances (including accrued interest) totaled RMB 222,871.6 million, a 4.0% increase compared to 2022[21] - Customer deposits (including accrued interest) reached RMB 295,556.2 million, a 5.9% year-on-year increase[21] - Net interest income for 2023 was RMB 5,434.5 million, a 7.2% increase from RMB 5,067.9 million in 2022[22] - Interest income for 2023 was RMB 13,900.6 million, a 0.8% increase from RMB 13,788.6 million in 2022[22] - Interest expenses decreased by 2.9% to RMB 8,466.1 million in 2023, down from RMB 8,720.7 million in 2022[22] - The non-performing loan ratio remained stable at 2.0% as of December 31, 2023, unchanged from 2022[21] - Investment securities net income for 2023 was RMB 116.6 million, a 124.7% increase from RMB 51.9 million in 2022[22] - Customer deposits increased by 2.47% to RMB 279,754.9 million in 2023, compared to RMB 265,404.8 million in 2022[27] - Net interest income rose to RMB 5,557.0 million in 2023, up from RMB 5,264.6 million in 2022[27] - The net interest margin improved to 1.48% in 2023 from 1.45% in 2022[27] - Interest income from customer loans and advances grew to RMB 10,606.2 million in 2023, accounting for 75.6% of total interest income, up from 74.3% in 2022[31] - The average yield on customer loans and advances decreased to 4.85% in 2023 from 5.05% in 2022[34] - Interest income from investment securities and other financial assets declined by 6.4% to RMB 2,834.7 million in 2023, primarily due to a decrease in average yield from 2.50% to 2.34%[35] - Interest income from interbank placements dropped by 64.3% to RMB 15.6 million in 2023, driven by a 50.7% reduction in average balance and a decrease in average yield from 1.14% to 0.83%[36] - The total interest-bearing liabilities increased to RMB 341,543.9 million in 2023, up from RMB 330,408.7 million in 2022[27] - The average balance of interest-earning assets grew by 3.4% to RMB 375,349.1 million in 2023, contributing to a 0.3% increase in total interest income[32] - The average yield on interest-earning assets decreased to 3.74% in 2023 from 3.85% in 2022, influenced by declining market interest rates[32] - Buyback and lending interest income increased by 22.3% from RMB 264.7 million in 2022 to RMB 323.6 million in 2023, driven by an increase in the average yield from 1.80% to 1.94% and a 13.3% rise in the average balance from RMB 14,744.4 million to RMB 16,704.5 million[37] - Interest income from deposits with the central bank decreased by 5.8% from RMB 257.9 million in 2022 to RMB 243.0 million in 2023, due to a 5.9% reduction in the average balance from RMB 18,042.4 million to RMB 16,981.2 million[38] - Total interest expenses decreased by 2.9% from RMB 8,720.7 million in 2022 to RMB 8,466.1 million in 2023, primarily due to a decline in the average cost rate of interest-bearing liabilities from 2.64% to 2.48%[40] - Interest expenses on customer deposits remained nearly flat at RMB 6,910.2 million in 2023, with the average cost rate decreasing from 2.60% to 2.47% and the average balance increasing by 5.4% to RMB 279,754.9 million[41] - Interest expenses on repurchase agreements and borrowed funds increased by 38.8% from RMB 122.3 million in 2022 to RMB 169.7 million in 2023, driven by a 109.9% rise in the average balance to RMB 6,668.4 million[42] - Interest expenses on issued debt securities decreased by 27.2% from RMB 811.6 million in 2022 to RMB 590.7 million in 2023, with the average balance declining by 21.6% to RMB 23,556.7 million[43] - Net interest margin increased from 1.45% in 2022 to 1.48% in 2023, supported by the company's efforts to optimize asset structure and reduce liability costs[46] - Net fee and commission income decreased by 5.0% from RMB 400.0 million in 2022 to RMB 379.9 million in 2023, mainly due to reduced fees in agency and settlement services[48] - Trading net income decreased from RMB 762.1 million in 2022 to RMB 629.0 million in 2023, as the company reduced investment asset transactions to increase credit support for the real economy[49] - Investment securities and other financial assets generated a net income of RMB 116.6 million in 2023, up from RMB 51.9 million in 2022[50] - Net exchange gains decreased to RMB 47.5 million in 2023 from RMB 209.6 million in 2022, primarily due to foreign exchange rate fluctuations[51] - Other operating income increased to RMB 57.6 million in 2023 from RMB 35.3 million in 2022, mainly due to rental and other business income[52] - Operating expenses increased by 2.2% to RMB 2,388.8 million in 2023 from RMB 2,337.9 million in 2022, driven by higher employee costs and general administrative expenses[53] - Employee costs rose by 1.4% to RMB 1,261.8 million in 2023 from RMB 1,244.6 million in 2022, with a notable 59.2% increase in union and employee education expenses[56] - General administrative expenses increased by 9.6% to RMB 590.8 million in 2023 from RMB 539.0 million in 2022, reflecting the company's business transformation efforts[57] - Credit/asset impairment losses increased by 2.4% to RMB 3,707.0 million in 2023 from RMB 3,618.4 million in 2022, with a 56.7% rise in investment asset impairment losses[59] - Total assets grew to RMB 388,588.7 million in 2023 from RMB 377,202.5 million in 2022, with customer loans and advances accounting for 57.4% of total assets[62] - Customer loans and advances net of impairment losses increased to RMB 217,089.8 million in 2023 from RMB 208,623.2 million in 2022, representing 55.9% of total assets[63] - Investment securities and other financial assets decreased to RMB 127,021.7 million in 2023 from RMB 131,295.5 million in 2022, accounting for 32.7% of total assets[63] - Total customer loans and advances increased by 4.0% to RMB 222,871.6 million as of December 31, 2023, accounting for 57.4% of total assets, up 0.6 percentage points from 2022[64] - Corporate loans grew by 4.2% to RMB 142,825.3 million, driven by increased support for the real economy in line with national policies[66] - Retail loans increased by 4.0% to RMB 51,972.0 million, primarily due to the development of credit card overdraft business and increased consumer loan offerings[66] - Credit loans rose by 15.6% to RMB 33,870.8 million, driven by the expansion of credit card overdraft and online credit products[68] - Impairment losses on customer loans and advances increased by 2.3% to RMB 5,781.8 million, reflecting higher provisions and increased recovery efforts[69] - Investment securities and other financial assets decreased by 2.4% to RMB 130,134.3 million, as the company shifted focus to credit asset allocation[70] - Total liabilities increased to RMB 355,408.6 million, with customer deposits accounting for 83.2% of total liabilities, up from 81.0% in 2022[71][72] - Customer deposits grew to RMB 295,556.2 million, reflecting the company's strong deposit base and focus on retail and corporate clients[72] - Total customer deposits (including accrued interest) increased by 5.9% from RMB 279,039.2 million as of December 31, 2022, to RMB 295,556.2 million as of December 31, 2023, driven by steady growth in retail deposits due to enhanced marketing efforts[74] - The bank issued zero-coupon interbank certificates of deposit totaling RMB 45,000.0 million from January 1, 2023, to December 31, 2023, with effective annual interest rates ranging from 2.06% to 2.89%[75] - Total equity increased from RMB 32,599.3 million as of December 31, 2022, to RMB 33,180.1 million as of December 31, 2023, with retained earnings rising from RMB 4,247.0 million to RMB 4,796.8 million[76] - Non-performing loans (NPLs) amounted to RMB 4,334.4 million as of December 31, 2023, with an NPL ratio of 2.00%, unchanged from the previous year[78][79] - Retail loans accounted for 23.9% of total loans, with NPLs in retail loans amounting to RMB 1,985.8 million, representing an NPL ratio of 3.82%[82] - The manufacturing sector accounted for 14.6% of total loans, with NPLs of RMB 227.1 million and an NPL ratio of 0.72%[82] - The real estate sector accounted for 5.0% of total loans, with NPLs of RMB 488.4 million and an NPL ratio of 4.46%[82] - The wholesale and retail trade sector accounted for 5.8% of total loans, with NPLs of RMB 883.0 million and an NPL ratio of 7.06%[82] - The agriculture, forestry, animal husbandry, and fishery sector accounted for 3.5% of total loans, with NPLs of RMB 268.6 million and an NPL ratio of 3.51%[82] - The construction sector accounted for 6.7% of total loans, with NPLs of RMB 153.6 million and an NPL ratio of 1.05%[82] - Loans to manufacturing, leasing and business services, construction, wholesale and retail, and real estate sectors accounted for 65.7% and 66.1% of the company's total corporate loans as of December 31, 2022, and December 31, 2023, respectively[83] - The top ten single borrowers accounted for 12.3% of the total loans, with the largest borrower in the manufacturing sector having a loan balance of RMB 8,000 million, representing 3.7% of total loans[85] - The corporate loan non-performing loan (NPL) ratio decreased from 1.69% as of December 31, 2022, to 1.64% as of December 31, 2023, a decrease of 0.05 percentage points[88] - The retail loan NPL ratio increased from 3.76% as of December 31, 2022, to 3.82% as of December 31, 2023, an increase of 0.06 percentage points[88] - The total loan balance increased from RMB 210,063.4 million as of December 31, 2022, to RMB 217,117.4 million as of December 31, 2023[86] - The company's operating income from corporate banking, retail banking, and financial markets business accounted for 40.2%, 41.9%, and 15.8% of total operating income, respectively, as of December 31, 2023[90] - The total off-balance sheet commitments decreased from RMB 27,558.0 million as of December 31, 2022, to RMB 24,393.4 million as of December 31, 2023, primarily due to proactive adjustments in off-balance sheet asset structure[93] - The bank's inclusive finance small and micro loan balance reached RMB 12.443 billion, with a cumulative annual issuance of RMB 10.058 billion, serving 15,546 small and micro customers, including 1,957 small and micro enterprises and 13,589 individual businesses and small business owners[94] - The average interest rate for inclusive finance small and micro loans was 5.66%, with RMB 6.002 billion issued to 1,320 small and micro enterprises[94] - The bank launched the "Xiao Wei E Loan" product, issuing RMB 3.093 billion to 10,938 small and micro business owners and individual businesses, with an interest rate not exceeding 5.5%[94] - The bank's agricultural loans reached RMB 17.479 billion, with a net increase of RMB 911 million, and issued RMB 1.557 billion in loans for six major industries including livestock and crops[94] - The bank had 3,

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之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並表明概不就因本公告全部或任何部分內容而產生或因依賴該等 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） 2023年年度業績公告 甘肅銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈本行及其附屬公司 截止2023年12月31日止之經審計業績。本公告列載本行2023年年度報告全文符合 《香港聯合交易所有限公司證券上市規則》中有關年度業績初步公告附載資料的要 求。本行2023年年度報告的印刷版本將於2024年4月刊載於香港交易及結算所有 限公司的網站 www.hkexnews.hk 及本行網站 www.gsbankchina.com 。 承董事會命 甘肅銀行股份有限公司* 董事長 劉青 甘肅蘭州 2024年3月27日 ...

甘肅銀行股份有限公司" BANK OF GANSU CO.,LTD*. ( 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ) 股份代號 : 2139 8 甘肅銀行 BANK OF GANSU * 甘肅銀行股份有限公司並非香港法例第155章銀行萊烯例所指認可機構・ 不受限於香港金融管理局的監督， 亦不獲投權在香港經營銀行／接受存款業務 • 第三章 財務摘要 9 第四章 管理層討論與分析 12 第五章 股本變動及股東詳情 58 第六章 董事、監事、高級管理層、僱員及組織 61 第七章 重要事項 74 第八章 簡明合併財務報表的審閱報告 78 第九章 簡明合併財務報表附註 88 第十章 未經審計補充財務信息 146 目錄 第一章 釋義2 第二章 本行簡介 6 「公司章程」或「章程」 指 本行的公司章程 第一章 釋義 於本中期報告中，除文義另有所指外，下列詞彙具有以下涵義： | --- | --- | --- | |--------------------|-------|---------------------------------------------------------- ...

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，並表明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。 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） 截至2023年6月30日止六個月之中期業績公告 甘肅銀行股份有限公司（「* 本行」）董事會（「董事會」）欣然宣佈本行及其附屬公司 截至2023年6月30日止六個月之未經審核中期業績。本公告列載本行2023年中期 報告全文，並符合《香港聯合交易所有限公司證券上市規則》中有關中期業績初步 公告附載資料的要求。本行2023年中期報告的印刷版本將於2023年9月寄發予本 行H股股東，屆時亦可在香港交易及結算所有限公司的網站 www.hkexnews.hk及 本行網站 www.gsbankchina.com閱覽。 承董事會命 甘肅銀行股份有限公司* 董事長 劉青 甘肅蘭州 2023年8月30日 於本公告日期，董事會成員包括執行董事劉青先生及王錫真先生；非執行董事趙 星軍先生、張有 ...

甘肅銀行股份有限公司" BANK OF GANSU CO.,LTD*. ( 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ) 股份代號 : 2139 出演《行大風 0 日購银行 BANK OF CANSU 年 度 報 告 2022 * 甘肅銀行股份有限公司並非香港法例第155章銀行茶條例所指認可撥構， 不受限於香港金融管理局的監督， 亦不獲授權在香港經營銀行／接受存款業務 。 目 錄 董事長致辭 2 釋義 4 本行簡介 9 財務摘要 12 管理層討論與分析 15 董事會報告 68 監事會工作報告 88 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 124 風險管理、內部控制及內部審計 161 獨立核數師報告 174 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 318 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 2022 董事長致辭 時光如水、歲月如梭。2022年，黨的二十大勝利召開，我們邁上了全面建設社會主義現代化國家 ...

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之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並表明概不就因本公告全部或任何部分內容而產生或因依賴該等 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） 2022年年度業績公告 甘肅銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈本行及其附屬公司 截止2022年12月31日止之經審計業績。本公告列載本行2022年年度報告全文符 合《香港聯合交易所有限公司證券上市規則》中有關年度業績初步公告附載資料 的要求。本行2022年年度報告的印刷版本將於2023年4月寄發予本行H股股東， 屆時亦可在香港交易及結算所有限公司的網站 www.hkexnews.hk 及本行網 站 www.gsbankchina.com 閱覽。 | --- | |----------------------| | | | | | | | | | 甘肅銀行股份有限公司 | | | | | 甘肅蘭州 2023年3月30日 於本公告日期，董事會成員包括執 ...