《兰州银行股份有限公司董事会议事规则》修改对照表 | 序号 | 原条款 | 修改后条款 | 修改依据 | | --- | --- | --- | --- | | | 第二条 董事会是股东大会的执行机构，对股东大会负责。董 | 第二条 董事会是股东会的执行机构，董事会会议是董事会议事的主要形式。 | 根据《上市公司章程指引》 | | | 事会会议是董事会议事的主要形式。董事会遵照《公司法》《商 | | 第一百零九条删除"董事会 | | 1 | | 董事会遵照《公司法》《商业银行法》《证券法》等法律、法规、规章及本行 | | | | 业银行法》《证券法》、本行《章程》及其他有关法律、法规、 | 《章程》等的规定，履行职责。 | 对股东大会负责"的表述， | | | 规章及规范性文件的规定，履行职责。 | | 并调整有关文字表述。 | | | 第三条 本行设董事会，对股东大会负责。 | 第三条 本行设董事会，董事会由九至十五名董事组成，其中独立董事的人数 | | | | 本行董事会由九至十五名董事组成，其中独立董事的人数不少 | 不少于全体董事人数的三分之一，至少包括一名会计专业人士。董事会成员中 | 根据《上市公 ...

Financial Performance - Total operating income for Q3 2025 was CNY 2,002,692, a decrease of 2.67% compared to CNY 2,057,716 in Q3 2024[11] - Net profit attributable to shareholders of the parent company for Q3 2025 was CNY 552,696, a slight increase of 0.28% from CNY 551,169 in Q3 2024[11] - Net profit excluding non-recurring gains and losses for Q3 2025 was CNY 529,079, up 29.71% from CNY 407,887 in Q3 2024[11] - Total operating income for the first nine months of 2025 was RMB 5,923,380,260.13, a decrease of 2.14% compared to RMB 6,052,658,145.23 in the same period of 2024[50] - Total profit for the first nine months of 2025 was RMB 1,495,546,380.51, a decrease of 7.6% from RMB 1,618,522,825.73 in the same period of 2024[50] - Net profit attributable to shareholders of the parent company was RMB 1,504,308,524.21, slightly up from RMB 1,494,613,579.70 in the same period of 2024[52] - Other comprehensive income after tax for the first nine months of 2025 was a loss of RMB 1,039,689,233.29, compared to a gain of RMB 487,230,039.34 in the same period of 2024[52] - Basic earnings per share for the first nine months of 2025 was RMB 0.2270, compared to RMB 0.2308 in the same period of 2024[52] Assets and Liabilities - Total assets as of September 30, 2025, reached CNY 523,359,693, representing a 7.62% increase from CNY 486,284,927 at the end of 2024[11] - Total liabilities increased by 7.14% to CNY 482,542,897 as of September 30, 2025, compared to CNY 450,395,516 at the end of 2024[11] - Shareholder equity rose by 13.73% to CNY 40,816,795 from CNY 35,889,411 at the end of 2024[11] - Total assets reached CNY 523.36 billion, an increase of 7.62% compared to the end of the previous year[29] - Total liabilities amounted to CNY 482.54 billion, growing by 7.14% year-on-year[29] - The bank's total liabilities as of September 30, 2025, were RMB 517.49 billion, compared to RMB 481.08 billion at the end of 2024, marking an increase of approximately 7.5%[46] - The bank's total liabilities and equity reached RMB 523.36 billion as of September 30, 2025, compared to RMB 481.08 billion as of December 31, 2024, an increase of 8.8%[48] Customer Deposits and Loans - Customer deposits grew by 6.20% to CNY 378,251,117 as of September 30, 2025, from CNY 356,168,170 at the end of 2024[12] - The bank's loan and advance issuance increased by 6.15% to CNY 260,470,622 as of September 30, 2025, compared to CNY 245,368,982 at the end of 2024[12] - The bank's total loans amount to 267.62 billion RMB, with non-performing loans totaling 4.80 billion RMB[25] - Net increase in customer deposits and interbank placements for the first nine months of 2025 reached RMB 18.08 billion, a decrease from RMB 20.02 billion in the same period of 2024[53] Cash Flow and Investments - The bank's cash flow from operating activities for the first nine months of 2025 was CNY 14,107,208, a significant recovery from a negative cash flow of CNY -247,762 in the same period of 2024[11] - Cash inflow from operating activities totaled RMB 42.78 billion in 2025, compared to RMB 39.74 billion in 2024, reflecting a year-over-year increase of approximately 5.2%[53] - Cash outflow from investment activities was RMB 39.99 billion in 2025, compared to RMB 18.95 billion in 2024, indicating a substantial increase in investment expenditures[53] - The total cash and cash equivalents increased by RMB 1.31 billion in 2025, compared to an increase of RMB 3.31 billion in 2024[53] - The bank's financial investments in debt securities amounted to RMB 84.43 billion, up from RMB 67.82 billion at the end of 2024, reflecting a significant increase of about 24.5%[46] Risk Management and Ratios - The non-performing loan ratio is at 1.80%, well below the regulatory cap of 5%[17] - The capital adequacy ratio is reported at 13.16%, exceeding the minimum requirement[20] - The loan-to-deposit ratio is 70.76%, indicating a stable lending environment[17] - The cost-to-income ratio is 31.22%, well within the regulatory limit of 45%[18] - The bank's core tier 1 capital adequacy ratio is 8.35% as of September 30, 2025[20] - The liquidity coverage ratio is 144.66%, indicating strong liquidity management[24] - The total assets return rate is annualized at 0.41%[18] - The bank's non-performing loan ratio remained stable, indicating effective risk management practices during the reporting period[39] Employee and Operational Expenses - The bank's employee compensation payable rose to RMB 128.98 million as of September 30, 2025, compared to RMB 93.97 million as of December 31, 2024, an increase of 37.4%[48] - Total operating expenses for the first nine months of 2025 were RMB 4,416,015,508.25, a slight increase from RMB 4,432,481,676.23 in the same period of 2024[50] - The company reported a decrease in cash paid for employee compensation to approximately $1.09 billion from $1.27 billion in the previous period[1]

本行及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、 误导性陈述或者重大遗漏。 证券代码：001227 证券简称：兰州银行 公告编号：2025-048 兰州银行股份有限公司 关于召开 2025 年第三季度业绩说明会的公告 （四）网络地址：全景路演（https://rs.p5w.net） 兰州银行股份有限公司（以下简称"本行"）于 2025 年 10 月 31 日披露《兰 州银行股份有限公司 2025 年第三季度报告》，将于 2025 年 11 月 6 日召开 2025 年第三季度业绩说明会。 一、会议相关安排 （一）会议召开时间：2025 年 11 月 6 日 15:00-16:00 （二）本行参加人员：董事长许建平先生、行长刘敏先生、董事会秘书张少 伟先生、独立董事和总行相关部门负责人 （三）会议召开方式：网络互动 二、征集问题事项 本行现就 2025 年第三季度业绩和经营情况提前向投资者征集相关问题，投 资者可于 2025 年 11 月 3 日 18:00 前访问 https://ir.p5w.net/zj/，进入问题征集专 题页面提问。本行将在业绩说明会上对投资者普遍关注的问题进行回答。 ...

《兰州银行股份有限公司章程》修改对照表 | 序 号 | 原条款 | 修订后条款 | 修改依据 | | --- | --- | --- | --- | | | | 第一章 总则 | | | | 第一条 为维护兰州银行股份有限公司（以下简称"本 | 第一条 为维护兰州银行股份有限公司（以下简称"本行"）、 | 根据《公司法》第一条， | | | 行"）、股东和债权人的合法权益，规范本行的组织和行 | 股东、职工和债权人的合法权益，规范本行的组织和行为，充 | 《章程指引》第一条新 | | | 为，充分发挥中国共产党组织的领导作用，根据《中国 | 分发挥中国共产党组织的领导作用，根据《中国共产党章程》 | 增。 | | | 共产党章程》（以下简称《党章》）、《中华人民共和 | （以下简称《党章》）、《中华人民共和国公司法》（以下简 | | | | 国公司法》（以下简称《公司法》）、《中华人民共和 | 称《公司法》）、《中华人民共和国商业银行法》（以下简称 | | | 1 | 国商业银行法》（以下简称《商业银行法》）、《中华 | 《商业银行法》）、《中华人民共和国证券法》（以下简称《证 | | | | 人民共和国证券 ...

周伟先生在任职期间，恪尽职守，勤勉尽职，带领本行监事会认真落实国家 经济金融政策和监管要求，切实履行监督职责，维护本行和股东利益，在推动完 善公司治理、强化风险管理与内部控制监督、优化履职监督评价等方面做出了重 要贡献。本行监事会谨此向周伟先生表示衷心感谢。 特此公告。 兰州银行股份有限公司关于监事长辞任的公告 本行及监事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、 误导性陈述或者重大遗漏。 2025年10月30日下午，兰州银行股份有限公司（以下简称"本行"）监事会收 到监事长周伟先生的书面辞职报告。周伟先生因工作调整，提出辞去本行监事长 职务，辞任自辞职报告送达本行监事会后生效。周伟先生确认与本行监事会无不 同意见，亦无就其本人的辞职需要通知本行股东及债权人的任何事项。 截至本公告披露日，周伟先生持有本行145,600股股份，其辞任后将严格按 照相关法律、法规对其持有的本行股票进行管理。 证券代码：001227 证券简称：兰州银行 公告编号：2025-049 兰州银行股份有限公司监事会 2025 年 10 月 30 日 ...

Core Viewpoint - The city commercial bank sector experienced a decline of 2.43% on October 29, with Chengdu Bank leading the drop, while the overall stock market indices showed an increase [1][2]. Market Performance - The Shanghai Composite Index closed at 4016.33, up 0.7% - The Shenzhen Component Index closed at 13691.38, up 1.95% [1]. Individual Stock Performance - Chengdu Bank saw a significant decline of 5.74%, closing at 17.07 - Other notable declines included Xiamen Bank (-4.90%), Jiangsu Bank (-3.84%), and Qingdao Bank (-3.66%) [2]. - Chongqing Bank was one of the few gainers, with a slight increase of 0.84%, closing at 10.76 [1]. Trading Volume and Turnover - Chengdu Bank had a trading volume of 1.298 million shares, with a turnover of 22.27 million yuan - Jiangsu Bank had a trading volume of 2.039 million shares, with a turnover of 2.164 billion yuan [2]. Capital Flow Analysis - The city commercial bank sector saw a net outflow of 742 million yuan from institutional investors, while retail investors contributed a net inflow of 410 million yuan [2]. - The data indicates that speculative funds had a net inflow of 331 million yuan [2]. Individual Stock Capital Flow - Qingdao Bank had a net inflow of 61.11 million yuan from institutional investors, while it experienced a net outflow of 59.42 million yuan from speculative funds [3]. - Nanjing Bank also saw a net inflow of 43.97 million yuan from institutional investors, but a net outflow of 34.08 million yuan from speculative funds [3].

Market Performance - The city commercial bank sector increased by 0.01% compared to the previous trading day, with Xiamen Bank leading the gains [1] - The Shanghai Composite Index closed at 3988.22, down by 0.22%, while the Shenzhen Component Index closed at 13430.1, down by 0.44% [1] Individual Bank Performance - Xiamen Bank's closing price was 7.15, with a rise of 5.46% and a trading volume of 582,400 shares, amounting to a transaction value of 412 million yuan [1] - Chongqing Bank closed at 10.67, up by 2.11%, with a trading volume of 225,000 shares [1] - Chengdu Bank's closing price was 18.11, increasing by 0.84% with a trading volume of 314,100 shares [1] - Other banks such as Changsha Bank, Lanzhou Bank, and Jiangsu Bank showed minimal changes in their stock prices [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 223 million yuan from institutional investors, while retail investors experienced a net outflow of 356 million yuan [2] - The main capital inflow was observed in banks like Nanjing Bank and Chengdu Bank, with significant net inflows from institutional investors [3] - Retail investors showed a negative net flow in several banks, indicating a cautious sentiment among smaller investors [3]

Market Performance - The city commercial bank sector increased by 0.63% on October 27, with Chongqing Bank leading the gains [1] - The Shanghai Composite Index closed at 3996.94, up 1.18%, while the Shenzhen Component Index closed at 13489.4, up 1.51% [1] Individual Bank Performance - Chongqing Bank's closing price was 10.45, with a rise of 2.75% and a trading volume of 349,100 shares, amounting to a transaction value of 368 million yuan [1] - Other notable banks included Xi'an Bank, which rose by 1.95% to 4.19, and Xiamen Bank, which increased by 1.50% to 6.78 [1] - Conversely, Chengdu Bank saw a decline of 1.54%, closing at 17.96, with a trading volume of 474,100 shares [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 310 million yuan from institutional investors, while retail investors saw a net inflow of 22.9 million yuan [2] - The capital flow data indicates that Nanjing Bank had a net inflow of 21.65 million yuan from institutional investors, while Zhengzhou Bank experienced a net outflow of 13.86 million yuan [3] Summary of Trading Data - The trading data for various banks shows mixed performance, with some banks like Chongqing Bank and Xi'an Bank showing positive trends, while others like Chengdu Bank and Suzhou Bank faced declines [1][2][3] - The overall trading volume and transaction values reflect active market participation, with significant amounts traded across various banks [1][2]

Core Viewpoint - The A-share listed banks are expected to show overall revenue and net profit growth in the third quarter of 2025, with improvements in asset quality and a narrowing decline in net interest margins [1][2][3]. Group 1: Financial Performance - Huaxia Bank reported operating income of 64.881 billion yuan, a year-on-year decrease of 8.79%, and net profit attributable to shareholders of 17.982 billion yuan, down 2.86%, with a narrowing decline of 5.09 percentage points compared to the first half of the year [1]. - Chongqing Bank achieved operating income of 11.740 billion yuan, a year-on-year increase of 10.40%, and net profit of 5.196 billion yuan, up 10.42% [2]. - Ping An Bank reported operating income of 100.668 billion yuan, a year-on-year decrease of 9.8%, and net profit of 38.339 billion yuan, down 3.5%, with a narrowing decline compared to the first half of the year [2]. Group 2: Market Trends - Ten banks have seen shareholding increases from shareholders and executives this year, indicating a positive outlook for the banking sector amid macroeconomic stabilization and easing monetary policy [3]. - Analysts expect cumulative revenue and net profit for listed banks in the first three quarters of 2025 to grow by 0.4% and 1.1% year-on-year, respectively, driven by a narrowing decline in net interest margins and reduced credit costs [3]. Group 3: Interest Margin Outlook - Zhongtai Securities suggests that the net interest margin for banks may stabilize in the third quarter due to reduced re-pricing pressure on assets and a greater decline in deposit rates compared to the Loan Prime Rate (LPR) [4]. - The projected increase in net interest margin for the third and fourth quarters is 0.7 basis points and 0.3 basis points, respectively, indicating stability in the banking sector [4]. Group 4: Related Stocks - Goldman Sachs reported that the A-shares and H-shares of major banks have recorded absolute returns of 12% and 21% year-to-date, driven by improvements in asset quality and narrowing declines in net interest margins [5]. - Ping An Insurance increased its stake in Postal Savings Bank, acquiring 6.416 million shares at an average price of 5.3638 HKD per share [6].

Investment Rating - The report maintains an "Accumulate" rating for the banking sector, indicating a positive outlook despite challenges in the gold market in 2025 [1]. Core Insights - The gold market is expected to present both opportunities and challenges for banks, with a trend towards deepening precious metal business driven by central bank purchases [1][2]. - The demand for gold bars and coins has increased significantly, reflecting a growing need for gold as a hedge and store of value among residents [4]. - The establishment of a market-making system for gold trading is anticipated to enhance market liquidity and stability, positioning listed banks as key players [3][4]. Summary by Sections 1. Policy and Market Environment - As of September 2025, China's official gold reserves reached 74.06 million ounces, marking an increase for 11 consecutive months [2]. - In Q2 2025, global central banks added 166 tons of gold to their reserves, with 95% of surveyed central banks expecting further increases in the next 12 months [2]. - New policies allowing insurance funds to invest in gold are expected to create new opportunities for banks to provide services to insurance institutions, enhancing their intermediary income [2]. 2. Business Dynamics and Revenue Contribution - In the first half of 2025, China's gold consumption was 505.205 tons, a year-on-year decrease of 3.54%, with significant growth in gold bar and coin consumption by 23.69% [4]. - The decline in gold jewelry consumption is prompting banks to shift focus from traditional jewelry sales to investment-oriented precious metal businesses [4]. - The growth in investment demand for gold bars and coins is expected to stabilize income from investment-related businesses, enhancing the profitability of the precious metals segment for banks [4]. 3. Industry Trends - The report highlights a structural shift in gold consumption, with investment demand rising while jewelry demand declines, indicating a need for banks to adapt their business strategies [4]. - The performance of the banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with specific banks like Ningbo Bank and Jiangsu Bank recommended for investment due to positive fundamental changes [8]. 4. Key Data Tracking - The report includes various financial metrics, such as average daily trading volume and margin financing balances, which are essential for assessing market conditions [9][10].