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]

Core Viewpoint - The article discusses the recent appointment of Shi Hailong as the president of Gansu Bank and highlights the bank's financial performance, including challenges in revenue and net interest margin, as well as efforts to manage non-performing assets [3][8][16]. Group 1: Leadership Changes - Shi Hailong's appointment as president of Gansu Bank was officially approved after four months in an acting role, following his previous experience in various financial institutions and regulatory bodies [3][5]. - The current executive team of Gansu Bank includes Chairman Liu Qing, President Shi Hailong, and several vice presidents, indicating a stable leadership structure [7]. Group 2: Financial Performance - As of June 30, 2025, Gansu Bank reported total assets of CNY 427.48 billion, a 3.1% increase from the end of 2024, but a 13.9% decrease in operating income to CNY 2.72 billion [8]. - The bank's net profit increased by 1.1% to CNY 399 million, attributed to reduced expenses and a significant drop in asset impairment losses, which decreased by 24.4% [8][9]. - The net interest margin fell by 15.2% to 1.12%, primarily due to lower market interest rates and increased support for the real economy through interest rate cuts [8]. Group 3: Asset Quality and Management - Gansu Bank's non-performing loan (NPL) ratio improved from 1.93% to 1.85%, with a slight decrease in the NPL balance to CNY 4.34 billion [9]. - The bank has actively managed its non-performing assets, having transferred CNY 1.89 billion in bad debts, which is expected to enhance asset quality despite incurring a loss [11][15]. - Since 2021, Gansu Bank has sold a total of CNY 23.96 billion in assets, recovering CNY 16.39 billion, indicating a proactive approach to asset management [13]. Group 4: Future Challenges - Despite improvements in asset quality, Gansu Bank faces significant challenges in enhancing its net interest margin and reversing the decline in revenue amidst a low-interest-rate environment [16].

Group 1 - Gansu Bank's president qualification for Shi Hailong has been officially approved, with the term starting from January 15, 2026, until the end of the fourth board term [1] - Shi Hailong, aged 52, has extensive experience in the financial sector, including roles in banking, asset management, and rural credit systems [3] - Gansu Bank, a state-owned urban commercial bank, was established on November 19, 2011, and listed on the Hong Kong Stock Exchange on January 18, 2018, with 19 primary branches and 199 operational institutions [3] Group 2 - As of June 30, 2025, Gansu Bank's total assets reached 42,748.16 billion yuan, a 3.1% increase from the end of 2024 [4] - The total amount of customer loans and advances was 24,190.60 billion yuan, reflecting a 4.5% growth compared to the end of 2024 [4] - The non-performing loan ratio decreased by 0.08 percentage points to 1.85% since the beginning of 2025, indicating improved risk management [4] - Customer deposits totaled 33,442.13 billion yuan, up 4.1% from the end of 2024, showcasing a stable asset-liability structure [4] - In the first half of 2025, Gansu Bank achieved total operating income of 2.717 billion yuan and a net profit of 399 million yuan, a 1.1% increase from the same period last year [4]

Core Viewpoint - Gansu Bank has received approval from the Gansu Regulatory Bureau of the National Financial Supervision Administration for the appointment of Mr. Shi Hailong as the new president of the bank, effective from January 15, 2026 [1] Group 1 - The Gansu Regulatory Bureau has officially approved Mr. Shi Hailong's qualifications to serve as the president of Gansu Bank [1] - The board of directors of Gansu Bank has formally announced Mr. Shi Hailong's appointment [1] - Mr. Shi Hailong's term will last until the end of the fourth board of directors' term [1]