Bank Rankings and Awards - Bank of Gansu ranked 301st in the "2022 Global Top 1000 Banks" list published by The Banker magazine[4] - The bank achieved a ranking of 51st in the "Top 100 Chinese Banks" list for 2022, marking its seventh consecutive year on the list[4] - The bank was awarded the "Best Credit Card Scenario Construction Award" at the 2022 Financial Digital Development Awards[12] - The bank received the "Outstanding Green Carbon Pioneer Bank Award" at the 2022 Financial Street Leading China Awards[12] - The bank's mobile banking platform won the "Best Digital Operation Award" at the 2022 China Digital Finance Awards[12] - The bank was recognized as the "Annual Supply Chain Finance Innovation Leading Bank" at the Macro Economic Forum[12] Financial Performance - In 2022, the total assets of the company reached RMB 377,202.5 million, an increase from RMB 358,504.6 million in 2021, representing a growth of approximately 4.7%[14] - The net interest income for 2022 was RMB 5,067.9 million, up from RMB 4,924.2 million in 2021, indicating an increase of about 2.9%[13] - The company's annual profit for 2022 was RMB 603.6 million, compared to RMB 573.3 million in 2021, reflecting a growth of approximately 5.0%[13] - The total customer loans and advances amounted to RMB 214,272.4 million in 2022, an increase from RMB 201,353.8 million in 2021, which is a growth of about 6.5%[14] - The non-performing loan ratio for 2022 was 2.00%, slightly improved from 2.04% in 2021[14] - The company's basic earnings per share remained stable at RMB 0.04 for both 2022 and 2021[14] - The capital adequacy ratio for 2022 was 12.29%, a slight decrease from 12.44% in 2021[14] - The net fee and commission income increased to RMB 400.0 million in 2022 from RMB 350.8 million in 2021, marking a growth of approximately 14.1%[13] - The operating income for 2022 was RMB 6,526.8 million, compared to RMB 6,277.6 million in 2021, representing an increase of about 4.0%[13] Customer Loans and Advances - Gansu Bank's total customer loans and advances are significant, reflecting the bank's lending activities and market position[9] - Customer loans and advances totaled RMB 214,272.4 million, up 6.4% year-on-year[20] - Corporate loans increased by 8.1% from RMB 126,837.4 million in 2021 to RMB 137,047.9 million in 2022, reflecting the company's response to national policies[63] - Retail loans grew by 4.1% from RMB 48,006.1 million in 2021 to RMB 49,983.4 million in 2022, driven by the expansion of credit card overdraft services[63] - The total amount of customer loans and advances accounted for 56.8% of total assets as of December 31, 2022, an increase of 0.6 percentage points from the previous year[61] Risk Management and Governance - The bank's operational risk management is supported by the GRC system, enhancing internal controls and compliance measures[6] - The bank's governance is overseen by the Gansu Provincial State-owned Assets Supervision and Administration Commission, ensuring alignment with provincial economic strategies[6] - The bank's risk management strategy includes categorizing industry exposures into four types: aggressive growth, selective growth, maintain share, and contraction/exit[141] - The bank's credit risk management focuses on loans, investments, guarantees, and other credit risk exposures, with a comprehensive risk management report submitted to the board semi-annually[140] Digital Transformation and Innovation - The bank is committed to enhancing its digital transformation, focusing on smart retail, intelligent risk control, and omnichannel construction[4] - The bank's digital transformation projects included 20 initiatives, with 17 completed on schedule, enhancing digital customer management and operational capabilities[138] - A total of 28 innovative products were launched in 2022, including 23 products that were successfully implemented and promoted[138] - The bank's innovative projects included a smart customer service platform that handled an average of 390 customer interactions daily, achieving a 30% diversion from human customer service[138] Shareholder and Equity Information - Gansu Bank's major shareholders include Gansu Provincial Investment Group holding approximately 12.67% and Gansu Provincial Public Aviation Tourism Investment Group holding about 18.30% of the shares as of December 31, 2022[6] - The bank's equity structure includes H-shares listed on the Hong Kong Stock Exchange, facilitating capital raising and market participation[8] - The bank's total equity capital was RMB 33,788.7 million, an increase from RMB 33,096.7 million in 2021[169] Customer Deposits and Liabilities - Total customer deposits amounted to RMB 279,039.2 million, reflecting a year-on-year growth of 6.0%[20] - The average balance of customer deposits increased by 4.2% from RMB 254,655.4 million in 2021 to RMB 265,404.8 million in 2022, reflecting enhanced marketing efforts[39] - Total liabilities increased from RMB 326,448.2 million as of December 31, 2021, to RMB 344,597.4 million as of December 31, 2022, with customer deposits making up 81.0% of total liabilities[69] Related Party Transactions - The bank provided loans and credit financing to related parties under normal commercial terms, exempting it from compliance with certain Hong Kong listing rules[191] - The bank accepted deposits from related parties at normal deposit rates, also exempting it from compliance with specific listing regulations[192] - The transactions with related parties were all conducted under normal commercial terms and were below the thresholds for reporting and independent shareholder approval[195] Asset Management and Investments - The bank's investment in non-standardized debt assets includes trust plans and asset management plans, diversifying its investment portfolio[7] - The total amount of investment securities and other financial assets increased by 16.1% from RMB 113.102 billion in 2021 to RMB 131.296 billion in 2022[122] - The bank's total investments were reported at RMB 131,295.5 million, with RMB 40,160.4 million maturing in over five years[144] Community Engagement and Corporate Social Responsibility - The company made charitable donations totaling RMB 1,962,788.14 during the reporting period[175] - The company did not declare a final dividend for the year ended December 31, 2022, to strengthen its development foundation[175]

Financial Performance - Net profit for the first half of 2022 was RMB 1.2 billion, representing an increase of 15% compared to the same period last year[5]. - Interest income for the first half of 2022 was RMB 6,759.8 million, a decrease of 2.3% compared to RMB 6,918.7 million in the same period of 2021[11]. - Net interest income decreased by 0.8% to RMB 2,371.5 million from RMB 2,390.9 million year-on-year[11]. - Commission and fee income increased by 26.6% to RMB 242.2 million, compared to RMB 191.3 million in the previous year[11]. - Operating income for the first half of 2022 was RMB 3,007.5 million, reflecting a slight increase of 0.9% from RMB 2,980.2 million in the same period of 2021[11]. - Operating profit decreased by 20.1% to RMB 291.7 million from RMB 365.3 million year-on-year[11]. - Profit before tax fell by 20.2% to RMB 291.8 million compared to RMB 365.6 million in the previous year[11]. - Net profit for the first half of 2022 was RMB 395.3 million, a 3.3% increase from RMB 382.7 million in the same period of 2021[11]. - The total operating income for the bank was RMB 3,007.5 million in 2022, up from RMB 2,980.2 million in 2021, reflecting a growth of 0.9%[92]. Asset and Liability Management - Total assets reached RMB 500 billion, reflecting a year-on-year growth of 10%[5]. - Total assets increased from RMB 358,504.6 million as of December 31, 2021, to RMB 374,759.8 million as of June 30, 2022[63]. - Total liabilities increased to RMB 342,331.9 million as of June 30, 2022, from RMB 326,448.2 million as of December 31, 2021[73]. - Customer deposits grew by 12% year-on-year, totaling RMB 400 billion[5]. - Customer deposits amounted to RMB 272,842.6 million, representing a 6.6% increase from the end of 2021[20]. - Customer deposits accounted for 79.7% of total liabilities as of June 30, 2022, up from 78.4% as of December 31, 2021[75]. Loan Portfolio and Credit Quality - The non-performing loan ratio was reported at 1.5%, indicating a stable credit quality[5]. - The non-performing loan ratio improved to 1.99% from 2.04% in the previous year[15]. - Customer loans and advances totaled RMB 207,428.5 million, up 4.4% from the end of 2021[20]. - The retail loan segment accounted for RMB 47,337.7 million, with an NPL amount of RMB 1,837.3 million, leading to an NPL ratio of 3.88% as of June 30, 2022, up from 3.51% at the end of 2021[90]. - The bank's net customer loans and advances accounted for 53.9% of total assets, remaining stable compared to the beginning of the year[65]. - The provision for impairment losses on customer loans increased by 1.9% to RMB 5,455.0 million as of June 30, 2022, from RMB 5,354.2 million as of December 31, 2021[71]. Capital Adequacy and Risk Management - The bank's capital adequacy ratio stands at 12.5%, above the regulatory requirement[5]. - Core Tier 1 capital adequacy ratio decreased to 11.78% from 11.95% year-on-year[15]. - The total risk-weighted assets amounted to RMB 273,309 million as of June 30, 2022, compared to RMB 266,085 million at the end of 2021[161]. - The liquidity coverage ratio is reported at 183.12% as of June 30, down from 215.95%[153]. - The bank's liquidity risk management aims to identify, measure, monitor, and control liquidity risks effectively[152]. - The bank's risk management strategy includes addressing credit risk, market risk, operational risk, and liquidity risk, with a focus on comprehensive risk management[145]. Digital Transformation and Innovation - New digital banking services are set to launch in Q4 2022, aiming to increase user engagement by 30%[5]. - Research and development investment in fintech solutions increased by 25% in 2022[5]. - The bank has developed 28 innovative product plans and 20 digital transformation projects as part of its five-year strategic plan[144]. - The bank's agency services for wealth management products generated sales of RMB 239.70 million during the reporting period, with agreements established with three wealth management companies[117]. Awards and Recognition - The bank received the Provincial Governor's Financial Award for 2021 from the Gansu Provincial Government[10]. - The bank was recognized for an outstanding case in digital transformation in the banking industry for 2021[10]. - The bank won the gold award in the "Digital Financial Innovation Competition" organized by China Electronic Banking Network[10]. Employee and Governance - The bank had a total of 4,311 employees, with 24.82% in retail banking and 23.82% in corporate banking[192]. - The bank emphasizes employee training and development, with a dedicated internal training team under the human resources department[197]. - The company has established a modern corporate governance structure, adhering to best practices to protect shareholder interests[199]. - The board of directors consists of 12 members as of the last practicable date, with a resolution passed on June 24, 2022, to appoint Mr. Wang Xizhen as an executive director, pending regulatory approval[183].

| 目錄 | 董事長致辭 | 2 | | --- | --- | --- | | | 行長致辭 | 4 | | | 監事長致辭 | 6 | | | 釋義 | 8 | | | 公司簡介 | 14 | | | 財務摘要 | 18 | | | 管理層討論與分析 | 22 | | | 董事會報告 | 72 | | | 監事會工作報告 | 96 | | | 股本變動及股東詳情 | 100 | | | 董事、監事、高級管理層、僱員及組織 | 105 | | | 公司治理報告 | 126 | | | 風險管理、內部控制及內部審計 | 157 | | | 獨立核數師報告 | 168 | | | 未經審計補充財務信息 | 329 | 董事長致辭 2018年，面對錯綜複雜的國內外經濟金融形勢和日益嚴格的監管政策，甘肅銀行以穩健發展為基礎，以防控風險為重點，以 改革創新為引領，立足上市新起點，持續完善公司治理，不斷提升盈利能力，資產品質總體可控，各項業務保持穩步發展態 勢，取得了良好的經營業績。 2018年，甘肅銀行築夢前行、鳴鑼香江，成功登陸國際資本市場，書寫了甘肅金融業改革發展的新篇章，展現了甘肅銀行人 紮根西部、奮進拼搏的新 ...