格隆汇8月5日丨甘肃银行(02139.HK)公告，董事会会议将于2025年8月25日(星期一)举行，以(其中包括) 审议及批准本行及其附属公司截至2025年6月30日止6个月未经审核中期业绩及其刊发，以及考虑建议派 发中期股息(如有)。 ...

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7月31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」) II. 已發行股份及/或庫存股份變動 | 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 | | | | | | | | | 已發行股份（不包括庫存股份）數目 | | 庫存股份數目 | | 已發行股份總數 | | | 上月底結存 | | | 3,793,800,000 | | 0 | | 3,793,800,000 | | 增加 / 減少 (-) | | | 0 | | 0 | | | | 本月底結存 | | | 3,793,800,000 | | 0 | | 3,793,800,000 | 呈交日期: 2025年8月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類 ...

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） 有關資產出售事項的非常重大出售事項及關連交易 資產出售事項 董事會謹此宣佈，於2025年8月5日，本行與甘肅資管簽訂資產轉讓合同，據 此，本行同意以人民幣153億元的代價向甘肅資管出售所出售資產。資產轉讓合 同須待獨立股東於臨時股東大會批准後生效。 上市規則的涵義 由於資產出售事項適用的一個或多個百分比率超過75%，資產出售事項構成上 市規則第14章下本行的一項非常重大出售事項，並須遵守該章下有關申報、公 告及股東批准的規定。 截至本公告日期，甘肅省國投直接及間接持有本行已發行股本約23.41%，為本 行的主要股東。甘肅資管為甘肅省國投之附屬公司，因而為本行的關連人士。 資產出售事項構成上市規則第14A章下本行的一項關連交易。由於資產出售事 項適用的一個或多個百分比率超 ...

Core Viewpoint - Gansu Bank focuses on serving local economies, rural development, small and medium enterprises, and urban residents, emphasizing inclusive finance practices to support high-quality development [1] Group 1: Financing Solutions for Small Enterprises - Gansu Bank addresses the financing challenges faced by small and micro enterprises by accelerating its digital transformation and offering innovative products and efficient services [2] - The bank has provided over 9 billion yuan in credit support to 34,000 small micro clients, with an average new loan interest rate decreasing by 33 basis points since the beginning of the year [2] - Gansu Bank has introduced a "merchant loan" product to support individual businesses, allowing for online applications and disbursement within 30 minutes [2] Group 2: Rural Economic Activation - Gansu Bank aims to activate county economies by integrating credit policies with local industry policies, promoting a "thousand billion agricultural project" blueprint [4] - The bank has launched exclusive products like "Huinong Quick Loan" to fill gaps in online agricultural credit offerings and enhance financial services for county economies [4] - The establishment of inclusive finance departments in 19 primary branches supports the bank's commitment to rural revitalization and inclusive finance [4] Group 3: Social Responsibility and Support - Gansu Bank provides financial assistance to vulnerable groups, including low-income individuals, the elderly, and disabled persons, ensuring financial services reach underserved areas [5] - The bank has implemented a pricing strategy to reduce interest rates on existing high-rate products, benefiting over 13,602 enterprises and individuals with interest reductions totaling 26.238 million yuan [5] - In 2024, Gansu Bank applied for 4.539 billion yuan in low-cost funds to support over 1,600 small enterprises, contributing to job stability and production expansion [6]

Group 1 - The core point of the news is the potential leadership change at Gansu Bank, with current president Wang Xizhen likely to be appointed as the party secretary and chairman of the provincial enterprise, which raises questions about the future leadership structure of the bank [1][5][6] - Gansu Bank, a city commercial bank directly managed by the Gansu provincial government, was established in October 2011 and became the first listed city commercial bank in Northwest China in January 2018 [3][4] - Wang Xizhen has been serving as the president of Gansu Bank for nearly three years and has a long career in the banking sector, primarily with the local branch of China Construction Bank [3][4][5] Group 2 - Gansu Bank's financial performance has faced challenges, with total assets reaching 414.708 billion yuan at the end of 2024, a year-on-year growth of 6.72%, while operating income decreased by 14.09% to 3.934 billion yuan, and net profit attributable to shareholders fell by 9.77% to 582 million yuan [6][8][10] - The bank's net profit has shown a declining trend since peaking at 3.435 billion yuan in 2018, with a significant drop to 509 million yuan in 2019, and only recovering slightly to 582 million yuan by 2024 [6][8][9] - Compared to its peers, Gansu Bank's operating efficiency is lacking, as evidenced by its operating income and net profit being significantly lower than those of Lanzhou Bank and Xi'an Bank, which have similar total asset scales [10]

Core Viewpoint - The A-share IPO market for banks has been stagnant for three and a half years, with 15 banks currently in the listing guidance phase, facing various challenges in their path to IPO [1][3][10]. Group 1: Current Status of Banks in IPO Guidance - There are 15 banks in the IPO guidance phase, with guidance durations ranging from over 2 years to 15 years, highlighting the prolonged nature of the process [1][3]. - HanKou Bank has been in the guidance phase since December 2010, focusing on capital supplementation to alleviate capital adequacy pressure [3][4]. - New entrants like Guilin Bank began their guidance process in August 2023, indicating a mix of experienced and new players in the IPO preparation [3][4]. Group 2: Challenges Faced by Banks - Many banks are struggling with issues related to equity management, asset ownership, and corporate governance, which hinder their IPO progress [6][9]. - Specific challenges include unresolved equity disputes, excessive shareholding by employees, and incomplete asset rights documentation [7][8]. - Capital pressure remains a significant constraint, with banks like HanKou Bank needing to explore multiple channels for capital supplementation to meet IPO requirements [9]. Group 3: Market Environment and Regulatory Landscape - The IPO market has become increasingly cautious, with no new bank listings since January 2022, reflecting a tightening regulatory environment [10]. - The shift to a registration-based system has led to stricter scrutiny of corporate governance and a focus on regional banks' roles in local economies [10][11]. - Banks are advised to assess their readiness and market conditions carefully before submitting IPO applications, considering factors like risk management and economic recovery [11]. Group 4: Recommendations for Banks - Analysts suggest that banks in the guidance phase should adopt a dual approach: continue rectifying issues for IPO readiness while exploring alternative capital-raising methods [11]. - Engaging strategic investors and optimizing equity structures through mergers and acquisitions are recommended strategies for banks facing prolonged guidance periods [11].

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].

Core Viewpoint - The article highlights a green revolution in Jinchang, Gansu, focusing on the transformation of high-salinity wastewater into valuable products, showcasing the collaboration between Gansu Bank and local enterprises to promote a circular economy [1][2][6]. Group 1: Project Overview - Gansu Kexing Salt Chemical Co., Ltd. is processing high-salinity wastewater to produce high-value potassium perchlorate, achieving "waste salt rebirth" [1][2]. - The high-salinity wastewater treatment project was signed at the 29th Lanzhou Investment and Trade Fair in July 2023, addressing complex wastewater from large enterprises like Jinchuan Group [2][3]. - The project aims to achieve an annual production of 30,000 tons of potassium perchlorate and treat 1 million cubic meters of high-salinity wastewater, with a resource utilization rate of 100% [3]. Group 2: Financial Support - Gansu Bank's Jinchang branch provided a comprehensive financial service plan, including 110 million yuan in fixed asset loans and 15 million yuan in working capital loans, utilizing innovative collateral methods [2][4]. - The bank's support enabled the project to overcome significant funding gaps and facilitated rapid project implementation, achieving production readiness in under 18 months [3][4]. Group 3: Technological Advancements - The project features advanced production processes with high automation, requiring only 3-4 workers per shift, and incorporates a zero-carbon production method relying solely on electricity [4][5]. - The implementation of a flexible production system allows for real-time adjustments based on electricity load and raw material supply, optimizing cost and output [5]. Group 4: Economic and Environmental Impact - The successful implementation of the project exemplifies the integration of finance and the real economy, contributing to the green transformation of Jinchang's industrial landscape [7][8]. - The project not only addresses environmental challenges but also strengthens the resource recycling industry cluster in Jinchang, showcasing a model for regional circular economy [7][8].

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].

Group 1 - The 2025 Golden Mouse International Digital Marketing Festival concluded in Beijing, with Gansu Bank's WeChat public account winning the "Most Innovative Brand in Digital Marketing" award [1][4] - The festival, known as a "barometer of digital marketing," has covered over 6,000 brands since its inception in 2009, attracting participation from over 500 brands this year [4] - Gansu Bank has focused on digital transformation as a key strategy, achieving over 4.7 million electronic banking users and launching a paperless business process [4] Group 2 - Gansu Bank emphasizes its social responsibility as a provincial state-owned bank, aiming to serve urban and rural residents, small and medium enterprises, and the local economy [4] - The bank plans to continue advancing its financial technology development and expand the breadth and depth of its digital financial services [4]