Core Viewpoint - Gansu Bank's Jiuquan Branch is committed to serving ethnic regions and promoting local economic development through tailored financial services, thereby contributing to national strategies and enhancing ethnic unity [1][5]. Group 1: Financial Services Initiatives - Gansu Bank's Jiuquan Branch has established a "Mobile Financial Service Team" to address the financial service gaps in remote areas, providing convenient services to over 3,000 frontline workers in the Su Bei region [2]. - The bank has formed a "Party Member Service Team" to assist herders by setting up temporary service points in summer pastures and winter settlements, facilitating financial transactions for over 800 households [2]. - The bank's services have significantly improved the accessibility of financial support for local residents, as evidenced by positive feedback from herders regarding the convenience of receiving subsidies [2]. Group 2: Industry Development Support - The bank has focused on supporting local industries, providing a 10 million yuan loan to a refractory materials production company to aid in its transformation and upgrade [3]. - In response to a dairy cooperative's funding challenges, the bank quickly provided 200,000 yuan through its "Micro Loan" product, stabilizing the livelihoods of local herders [3]. - Over the past three years, the two branches have issued nearly 400 million yuan in loans, enhancing the confidence of local businesses in developing their unique industries [5]. Group 3: Community Engagement and Cultural Integration - Gansu Bank emphasizes the importance of culturally sensitive financial services, engaging with local communities during traditional festivals to strengthen relationships and promote financial literacy [5]. - The bank's employees work diligently to ensure timely distribution of subsidies to local workers, demonstrating a commitment to community welfare and support [5]. - The bank aims to continue fostering ethnic unity and economic prosperity in the region through dedicated financial services and community involvement [7].

Core Viewpoint - Gansu Bank is actively enhancing financial services in ethnic minority regions, focusing on supporting local industries and promoting economic development through targeted financial solutions [1][5]. Group 1: Financial Services Initiatives - Gansu Bank's Jiuquan branch has established a "mobile financial service team" to address the challenges faced by workers in remote areas, providing services to over 3,000 frontline workers [2]. - The bank has created a "party member service team" to assist herders, setting up temporary service points in summer pastures and winter settlements, serving over 800 households with bilingual support [2]. Group 2: Industry Development Support - The bank has provided a total of 40 million yuan in loans over the past three years, significantly improving access to low-interest funding for local industries [5]. - Gansu Bank's Subei branch supported a high-value refractory materials company with a 10 million yuan loan to address cash flow issues during its transformation [3]. - The Akesai branch quickly provided 200,000 yuan in credit to a dairy cooperative facing feed procurement challenges, stabilizing the livelihoods of local herders [3]. Group 3: Community Engagement and Cultural Integration - Gansu Bank emphasizes the importance of culturally sensitive financial services, engaging with local communities during traditional festivals to strengthen relationships and promote financial literacy [5]. - The bank's staff work diligently to ensure timely distribution of subsidies to local workers, demonstrating commitment to community welfare [5]. Group 4: Future Commitment - Gansu Bank aims to continue its role as a financial leader in minority regions, focusing on enhancing service models, fostering unity, and providing robust credit support to boost local industries and improve living standards [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][8] - 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 [2][5] - The bank has continuously innovated its services, introducing various financial products and features that cater to the needs of local customers, including personalized versions for different user demographics [3][5][8] Group 1: Growth and User Engagement - In 2015, the initial version of the mobile banking app had fewer than 30,000 customers and a transaction amount of only 320 million yuan, showcasing the initial challenges faced [2] - By October 2023, the number of mobile banking customers had surged to 4.32 million, a 144-fold increase since 2015, with over 1.1 million monthly active users [2][8] - The app has become one of the most widely used local financial applications, reflecting the trust and reliance of the local population on Gansu Bank [2][3] Group 2: Technological Advancements - The mobile banking app has undergone multiple iterations, with significant upgrades from version 1.0 to 8.0, focusing on user experience and technological integration [4][5] - Key innovations include the introduction of biometric payments, smart voice features, and the integration of the HarmonyOS, marking Gansu Bank as a pioneer among local banks [3][5] - The latest version, 8.0, emphasizes AI integration, enhanced security features, and personalized services, setting a benchmark for digital banking in the region [5][8] Group 3: Recognition and Achievements - 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 [7] - The bank has consistently ranked highly in various industry evaluations, reflecting its ongoing commitment to innovation and influence in the mobile financial sector [7][8] - These accolades not only validate the bank's achievements but also highlight its role in advancing digital finance 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][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]

Core Viewpoint - Gansu Bank has established itself as a key player in supporting local economic development over the past fourteen years, aligning its services with the needs of the region and contributing to high-quality growth in Gansu province [1][5]. Group 1: Commitment to Local Economy - Gansu Bank's mission focuses on serving the local economy, agriculture, small and medium enterprises, and urban and rural residents, integrating its financial work with the broader development goals of Gansu [1]. - The bank has provided over 800 billion yuan in project loans to support local industries, significantly contributing to economic stability and growth in the province [6]. Group 2: Innovation and Development - Gansu Bank has evolved from a single business model to a diversified financial ecosystem, enhancing its service offerings and operational capabilities [1]. - The bank has established a technology branch and developed specialized products to support technological enterprises, with a total technology loan balance of 237 billion yuan [7]. Group 3: Financial Inclusion and Social Responsibility - Gansu Bank has integrated inclusive finance into its operations, with a balance of 141 billion yuan in small and micro loans, benefiting tens of thousands of clients [8]. - The bank has actively engaged in social responsibility initiatives, including rural revitalization projects and disaster recovery efforts, demonstrating its commitment to community welfare [12][13]. Group 4: Digital Transformation - Gansu Bank is focusing on digital transformation as a core strategy, enhancing its online services and achieving over 400 million yuan in mobile banking clients [11]. - The bank has implemented a dual-channel promotion mechanism for talent development, ensuring a skilled workforce to support its digital initiatives [3]. Group 5: Governance and Leadership - The bank emphasizes strong party leadership and governance as foundational to its operations, integrating political and people-oriented principles into its strategic decision-making [2][4]. - Gansu Bank has established a comprehensive evaluation system for its party-building efforts, ensuring accountability and effectiveness in its governance [3].