地域辽阔、人口分散，曾是制约少数民族地区金融服务提升的瓶颈，甘肃银行酒泉分行"主动下沉"，打 通金融服务堵点。针对肃北马鬃山矿区工人、边境公路建设者往返县城办卡不便的实际困难，辖内肃北 支行组建"流动金融服务队"，驱车深入项目一线，工歇间隙、用餐时分，就是他们的"营业时间"，累计 为3000余名一线建设者提供便捷服务，保障工资精准直达。面对牧户居住分散的特点，甘肃银行肃北支 行与阿克塞支行因地制宜，组建"党员牧区服务突击队"，紧随牧民转场足迹，在夏季牧场、冬定居地设 立临时服务点，用蒙汉、哈汉双语为两地800余户牧民办理基础金融业务，将接收补贴、日常结算的"放 心卡"送到牧民手中，有效解决了偏远牧区群众"跑远路、办卡难"的痛点。"甘肃银行的服务真是太好 了，以前取个补贴要跑一天，现在卡在手边，钱'嗖'一下就到了，太方便了！"阿克塞哈萨克族自治县 阿勒腾乡的牧民哈吉别克高兴地说道。牧民们朴实的笑容，是对服务最好的褒奖。 图为甘肃银行肃北支行深入牧区办理业务 聚焦产业发展，精准滴灌激活发展"新动能" 两地支行深知，产业兴则县域兴、百姓富。甘肃银行肃北支行与阿克塞支行精准把握两地"矿牧游"产业 脉搏，以金融之力强链 ...

在甘肃酒泉西部，肃北蒙古族自治县与阿克塞哈萨克族自治县的草原交相辉映。作为甘肃银行深耕民族地区、服务实体经济、助力兴边富民的前沿力量，甘 肃银行酒泉分行始终聚焦主责主业，以金融活水精准滴灌特色产业，用普惠服务温暖千家万户，在服务国家战略、促进民族团结、推动边疆繁荣的实践中， 谱写了新时代金融报国的动人篇章。 破题"最后一公里"，流动服务共同绘制"同心圆" 近三年，两家支行累计投放贷款近4亿元，过去因缺乏担保难以获得贷款，如今凭借信息科技的加持，可快速申请到低息资金，极大增强了两地发展特色产 业的信心与底气。 筑牢发展根基，金融活水浇灌民族"团结花" 服务民族地区，不仅是业务拓展，更是沉甸甸的责任与使命。 甘肃银行阿克塞支行深谙，金融服务要"走心"，更要"入乡随俗"，在纳吾热孜节、古尔邦节等民族传统节日期间，支行员工与各族群众共度佳节、共话家 常，运用双语开展金融知识普及活动，在润物无声中密切"银群"关系，使甘肃银行成为促进民族团结、服务各族群众的金融桥梁和暖心窗口。 甘肃银行肃北支行灯火通明的夜晚，是全体员工为保障全县职工补贴精准、及时发放而彻夜奋战的见证，他们放弃与家人的团聚，一丝不苟核对信息、高效 操作， ...

在甘肃酒泉西部，肃北蒙古族自治县与阿克塞哈萨克族自治县的草原交相辉映。作为甘肃银行(02139)深耕民族地区、服务实体经济、助力兴边富民的前沿 力量，甘肃银行酒泉分行始终聚焦主责主业，以金融活水精准滴灌特色产业，用普惠服务温暖千家万户，在服务国家战略、促进民族团结、推动边疆繁荣的 实践中，谱写了新时代金融报国的动人篇章。 智通财经APP获悉，近三年，两家支行累计投放贷款近4亿元，过去因缺乏担保难以获得贷款，如今凭借信息科技的加持，可快速申请到低息资金，极大增 强了两地发展特色产业的信心与底气。 筑牢发展根基，金融活水浇灌民族"团结花" 服务民族地区，不仅是业务拓展，更是沉甸甸的责任与使命。 甘肃银行阿克塞支行深谙，金融服务要"走心"，更要"入乡随俗"，在纳吾热孜节、古尔邦节等民族传统节日期间，支行员工与各族群众共度佳节、共话家 常，运用双语开展金融知识普及活动，在润物无声中密切"银群"关系，使甘肃银行成为促进民族团结、服务各族群众的金融桥梁和暖心窗口。 甘肃银行肃北支行灯火通明的夜晚，是全体员工为保障全县职工补贴精准、及时发放而彻夜奋战的见证，他们放弃与家人的团聚，一丝不苟核对信息、高效 操作，确保党的温暖通 ...

智通财经APP获悉，2015年，甘肃银行(02139)一款简单的移动金融应用上线，为陇原金融服务翻开全新 一页；2025年，一个集安全、智能、便捷于一体的移动金融生态平台蓬勃生长，累计惠及甘肃超430万 用户。 十年间从1.0迭代升级至8.0版本，交易规模增长超725倍，甘肃银行手机银行不断创新、突破、超越，以 科技为笔、客户为尺，书写地方银行数字化转型篇章。 十年飞跃 规模倍增不负信赖 2015年，甘肃银行手机银行1.0版本发布，彼时客户数尚不足3万户，全年交易金额仅3.2亿元，步履艰辛 却初心坚定。 十年间，伴随移动互联网普及与金融科技的跃升，甘肃银行手机银行用户呈指数级攀升，成为全使用最 广泛的本地金融APP之一。截至今年10月末，手机银行客户达432万户，较2015年增长144倍，月活跃客 户超110万，前10月手机银行交易金额达2344亿元。 2024年9月，甘肃银行成为国内首批、省内首家上线鸿蒙原生应用的地方银行，新增"小卡片""碰一 碰"等创新交互，引领了金融与国产操作系统深度融合的创新案例。 如今，甘肃银行手机银行三大个性化版本自由切换，标准版满足全量用户通用需求，大字体、高对比 度、语音操作 ...

Core Insights - Gansu Bank's mobile banking application has evolved significantly over the past decade, growing from a simple app to a comprehensive digital financial platform that serves over 4.3 million users [1][2][7] - The transaction volume of Gansu Bank's mobile banking has increased by over 725 times, reaching a total of 234.4 billion yuan in the first ten months of this year [1][2][4] Group 1: User Growth and Engagement - In 2015, the mobile banking app had fewer than 30,000 users and processed only 320 million yuan in transactions, while by October 2023, the user base had expanded to 4.32 million, a 144-fold increase [2][4] - Monthly active users have surpassed 1.1 million, indicating strong engagement and reliance on the app by local residents [2][4] Group 2: Service and Functionality Enhancements - The app has continuously evolved, introducing features such as social security, medical insurance, and utility payments, covering over 100 types of convenient payment services [3][4] - Gansu Bank has launched various inclusive financial products aimed at small and micro enterprises and farmers, serving over one million clients [3][4] Group 3: Technological Innovations - The app has undergone multiple iterations, with significant upgrades from version 1.0 to 8.0, incorporating advanced technologies like biometric recognition and AI-driven features [4][5] - Gansu Bank became the first local bank in the province to launch a native HarmonyOS application, showcasing its commitment to integrating with domestic operating systems [3][4] Group 4: Industry Recognition - Gansu Bank's mobile banking platform has received numerous awards for its innovative services, including the Best Mobile Banking Function Award in 2018 and the Mobile Banking Growth Pioneer Award in 2025 [5][6] - The bank has consistently ranked highly in various authoritative evaluations, reflecting its ongoing innovation and influence in the mobile financial sector [6] Group 5: Future Outlook - Gansu Bank aims to continue enhancing its mobile banking services over the next decade, focusing on innovative products, open platforms, and inclusive services to support high-quality development in the region [7]

Core Insights - Gansu Bank's mobile banking application has evolved significantly over the past decade, growing from a simple app to a comprehensive digital financial platform that serves over 4.3 million users [1][2][10] Group 1: Growth and User Engagement - The mobile banking app was launched in 2015 with less than 30,000 users and a transaction volume of only 320 million yuan, but by October 2023, the user base had increased to 4.32 million, a growth of 144 times, with transaction amounts reaching 234.4 billion yuan in the first ten months of the year [2][4] - Monthly active users exceed 1.1 million, indicating strong engagement and reliance on the app by local residents [2] Group 2: Technological Advancements - The app has undergone multiple iterations, from version 1.0 to 8.0, with significant enhancements in functionality and user experience, including the introduction of features like fingerprint payment and smart voice assistance [5][6] - The latest version, 8.0, incorporates advanced technologies such as AI search, smart risk control, and privacy protection, setting a benchmark for digital banking in the region [5][10] Group 3: Service Expansion and Inclusivity - Gansu Bank's mobile banking has expanded its services to include over 100 convenient payment options, covering social security, healthcare, and utility payments, thereby enhancing its role in local financial ecosystems [3][4] - The bank has launched various inclusive financial products aimed at serving small and micro enterprises and farmers, benefiting over a million clients [3][10] Group 4: Recognition and Awards - Over the past decade, Gansu Bank's mobile banking has received multiple industry awards, including the Best Mobile Banking Function Award and the Most Distinctive Mobile Banking Function Award, reflecting its innovation and impact in the digital finance sector [6][7] Group 5: Future Outlook - Gansu Bank aims to continue its digital transformation by offering more innovative products and services, with a commitment to enhancing financial accessibility for all residents in Gansu [10]

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: 2025年12月3日 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11月30日 狀態: 新提交 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 | ...

Core Viewpoint - Gansu Bank has launched its new mobile banking version 8.0, emphasizing digital finance and customer needs, aiming to provide safer, more convenient, and warmer mobile financial services [1] Group 1: Service Features - The new mobile banking 8.0 integrates a one-stop service for retirement planning, pension inquiries, and policy interpretations, covering the entire lifecycle from young savings to retirement [2] - A new "certificate aggregation" feature allows users to consolidate their certificates in the mobile app, with automatic maturity reminders and real-time interest calculations for easier asset management [2] - The app collaborates with UnionPay to offer exclusive service areas for local life scenarios, including payment discounts, fuel recharges, and ride-hailing services [2] Group 2: User Experience Enhancements - The app provides a comprehensive view of personal accounts, managing deposits, investments, insurance, and loans, with frequently used functions optimized for easy access on the homepage [3] - A large cash withdrawal appointment feature allows users to select the branch and time online, eliminating the need to queue for in-person services [3] - The bank has developed a service chain based on customer segmentation, offering personalized benefits such as birthday gifts and holiday payment discounts [3] Group 3: Security Measures - AI facial recognition technology enables instant identity verification regardless of lighting or network conditions, enhancing transaction security [4] - Real-time monitoring of mobile threats provides immediate risk alerts, ensuring a secure transaction environment [4] - The updated privacy policy uses plain language to explain permissions, ensuring users are informed about their personal information usage [4] Group 4: Technological Integration - The app integrates Huawei's native smart features, introducing exclusive "small card" and "tap to share" functionalities for HarmonyOS users [5] - Desktop small cards display balance and payment information without needing to open the app, enhancing user convenience [5] - The bank aims to deliver seamless digital financial services across various regions, maintaining a commitment to collaboration, intelligence, and openness [5]

Core Viewpoint - Gansu Bank has positioned itself as a key financial partner for local economic development, focusing on serving the "three rural issues," small and medium enterprises, and urban-rural residents, thereby achieving significant growth alongside the economic development of Gansu province [1][2]. Group 1: Service to the Local Economy - Gansu Bank has consistently adhered to its mission of serving the real economy, providing substantial financial support to local economic development, and has issued over 800 billion yuan in project loans within the province by the end of September this year [2]. - The bank has implemented a "full lifecycle" service model for major project support, ensuring that financial resources are directed towards key areas and weak links in the economy [2]. Group 2: Business Transformation - Gansu Bank aims to transform into a high-quality listed bank and a preferred comprehensive financial service provider by focusing on six major business segments and ten core capabilities [3]. - The bank is advancing its retail financial transformation, launching products like "Longying Quick Loan" and establishing a credit card system, which has led to a diversified product matrix [3]. Group 3: Digital Transformation - Gansu Bank has built an integrated online and offline digital service ecosystem, with over 4 million mobile banking customers and nearly 1800 billion yuan in assets under management (AUM) as of September this year [4]. - The bank has achieved full-process online data interaction and approval, enhancing its digital service capabilities [4]. Group 4: Social Responsibility - Gansu Bank has received multiple awards for its contributions to poverty alleviation and has been recognized as a leading bank in precise poverty alleviation efforts [5]. - The bank actively engages in social welfare initiatives, including financial assistance and disaster recovery efforts, demonstrating its commitment to social responsibility [6]. Group 5: Support for Rural Revitalization - Gansu Bank has prioritized rural revitalization by implementing the "Billion Yuan Agricultural Loan Project," launching 12 specialized products, and providing over 4 billion yuan in loans to support local industries [6]. - The bank has established a rapid response mechanism for disaster recovery, offering tailored financial services to affected individuals and businesses [6].

Core Insights - The increasing global focus on ESG (Environmental, Social, and Governance) has made it an unavoidable topic for companies, as highlighted by the recent ESG reports from Guangfa Bank and Gansu Bank [1][2] - The KPMG 2025 ESG Assurance Maturity Index indicates a significant disparity in ESG readiness among companies, with leading firms scoring 65.2 and entry-level firms only 30.5, reflecting a need for improvement across the board [1] - A notable 88% of companies that are the first to report under the CSRD (Corporate Sustainability Reporting Directive) have engaged external assurance service providers, emphasizing the essential role of professional institutions in the ESG journey [1] Group 1 - Guangfa Bank has published its 2025 ESG report, while Gansu Bank has announced a competitive consultation for its ESG report advisory services [1] - The KPMG report shows an overall readiness score of 46.77 for surveyed companies, with a stark contrast between leading and entry-level firms [1] - The reliance on external professional support for ESG reporting is growing, with 88% of early CSRD reporters seeking external assurance [1] Group 2 - KPMG's ESG partner in China, Shen Ying, notes that ESG assurance is shifting from passive compliance to value-driven approaches, highlighting the increasing importance of professional service institutions [2] - Professional service institutions are expected to play a crucial role in enhancing global ESG practices through knowledge sharing, capacity building, and data management [2] - Chinese companies can leverage the global networks and expertise of professional institutions to better integrate into the global sustainable development movement and achieve high-quality growth [2]