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].

转自：新华财经 在河西走廊的工业明珠金昌，一场从"污染治理"到"资源重生"的绿色革命正悄然重塑产业格局。在甘肃 科建星盐化工有限公司内，高盐废水经过加工提纯，转化为高附加值的高氯酸钾等产品，实现"废盐重 生"。这背后离不开甘肃银行金昌支行的金融支持，加速了当地循环经济发展，撬动起西北工业绿色转 型。 把握循环经济风口 银企共绘绿色蓝图 金昌因矿兴企、因企设市，被誉为"镍都"，但资源开采伴生的废渣、废水（液）、废气也曾是环境之 殇。近年来，金昌市坚定走循环发展之路，瞄准金川集团等大型企业排放的成分复杂、处理难度大的高 盐废水，启动了科建星盐化工高盐废水处理项目，推动废弃物向资源与能源的华丽转身。 2023年7月，科建星盐化工高盐废水处理项目在第二十九届兰洽会上签约落地金昌，项目启动后，面临 着技术集成要求高、设备投入巨大、建设周期紧迫等挑战，急需金融支持。甘肃银行金昌支行了解到该 需求后，摒弃传统信贷思维，量身打造了一套"绿色+科创+效率"的综合金融服务方案。 甘肃科建星盐化工有限公司的"零碳"工艺彻底摒弃污染性燃料或原料，仅依靠电力驱动完成复杂化学反 应，副产的"绿氢"可供其他企业循环利用，整个生产过程实现" ...

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].

5月9日，2025金鼠标国际数字营销节在北京落下帷幕，甘肃银行微信公众号荣获"数字营销最具创新精 神品牌"大奖！ 金鼠标素有"数字营销风向标"的美誉，自2009年创立以来，已覆盖6000多个品牌。本届大赛自去年12月 23日正式启动以来，吸引了广泛关注，涉及品牌500多家，甘肃银行微信公众号在激烈的终审角逐中脱 颖而出，获得"数字营销最具创新精神品牌"的佳绩，充分肯定了其长期以来在数字化转型方面的积极探 索和勇于实践。 近年来，甘肃银行始终牢记省属国有银行的社会责任，坚守"服务城乡居民、服务中小企业、服务地方 经济"的市场定位，聚焦主责主业主动作为，积极践行金融工作的政治性和人民性。坚持把数字化转型 作为开辟新赛道、打造新优势的重要举措，强化顶层设计、坚持高位推进，全面拓展金融服务的广度与 深度。电子银行用户突破470万户，手机银行鸿蒙版上线，"甘银智创"大赛孵化的22款产品落地，业务 流程全面无纸化。在数字金融的驱动下，一部手机即可畅享"指尖上的银行"，陇原百姓的金融获得感持 续提升。 下一步，甘肃银行将始终秉承"服务陇原，立足甘肃"的发展理念，不断突破金融科技发展瓶颈，持续推 进金融场景开发，不断拓展数字 ...

《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 ...

家人们！ 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， 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。 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。 手 ...

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。 ...

瑞财经 王敏 近日，甘肃银行(02139)发布2024年年度业绩公告。 | (除另有註明外,以人民幣百萬元列示) | 2024 | 2023 | 2022 | 2021 | 2020 | | --- | --- | --- | --- | --- | --- | | 學營業績 | | | | | | | 利息收入 | 12.978.1 | 13,900.6 | 13.788.6 | 13.676.2 | 14.752.9 | | 利息支出 | (8,341.8) | (8.466.1) | (8,720.7) | (8.752.0) | (9,002.5) | | 淨利息收入 | 4.636.3 | 5.434.5 | 5.067.9 | 4.924.2 | 5.750.4 | | 手續費及佣金收入 | 434.4 | 424.0 | 464.0 | 392.4 | 379.3 | | 手續費及佣金支出 | (34.3) | (44.1) | (64.0) | (41.6) | (50.4) | | 手續費及佣金收入淨額 | 400.1 | 379.9 | 400.0 | 350.8 | 328.9 | | ...

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]