证券代码： 001227 证券简称：兰州银行 兰州银行股份有限公司投资者关系活动记录表 编号：2024-01 □特定对象调研 □分析师会议 □媒体采访 ☑业绩说明会 投资者关系 □新闻发布会 □路演活动 活动类别 □现场参观 □其他（请文字说明其他活动内容） 参与单位名称 通过网络互动参与本次业绩说明会的各类投资者 及人员姓名 时间 2024年5月15日下午 地点 全景网“投资者关系互动平台”（http://ir.p5w.net） 1.兰州银行 党委书记、董事长许建平 2.兰州银行 党委副书记、董事、行长蒲五斤 3.兰州银行 独立董事林柯 4.兰州银行 董事会秘书张少伟 上市公司接待 人员姓名 5.兰州银行 风险管理部总经理高晓民 6.兰州银行 计划财务部总经理高雪梅 7.保荐代表人曾琨杰 8.保荐代表人田斌 1.请问贵行2023年如何推动落实战略规划？ 感谢您的关注！2023 年是我行新一轮战略发展规划的启航之年。上 半年，我行召开了战略规划推进启动会，要求全行上下全面学习战略规划 ...

Financial Performance - Operating income for the first quarter of 2024 was 1,972,918 thousand yuan, a decrease of 1.33% compared to the same period last year[14] - Net profit attributable to shareholders of the parent company was 545,701 thousand yuan, an increase of 0.89% year-on-year[14] - Net profit for Q1 2024 was 560 million yuan, a year-on-year increase of 0.90%, with net profit attributable to shareholders of 546 million yuan, up 0.89% year-on-year[49] - Net profit attributable to the parent company's owners was RMB 545,701,195.21 in Q1 2024, compared to RMB 540,910,881.86 in Q1 2023[63] - Net profit for the group in Q1 2024 was RMB 560,025,933.72, compared to RMB 555,026,841.18 in Q1 2023[63] - Total operating income for the group in Q1 2024 was RMB 1,972,917,652.61, a slight decrease from RMB 1,999,545,918.93 in Q1 2023[63] - Net interest income for the group increased to RMB 1,656,764,399.75 in Q1 2024, up from RMB 1,468,378,375.92 in Q1 2023[63] - Net interest income reached 1.657 billion yuan, a year-on-year increase of 12.87%[49] - Fee and commission income for the group decreased to RMB 119,795,902.84 in Q1 2024 from RMB 157,328,413.85 in Q1 2023[63] - Total operating expenses for the group in Q1 2024 were RMB 1,352,095,218.72, slightly lower than RMB 1,375,809,988.26 in Q1 2023[63] - Credit impairment losses for the group increased to RMB 735,250,185.18 in Q1 2024 from RMB 714,125,182.20 in Q1 2023[63] - The provision for loan impairment losses at the end of the period was 8.529919 billion yuan, an increase of 735.25 million yuan from the beginning of the year[46] - Other comprehensive income after tax for the group was RMB 360,542,826.85 in Q1 2024, a significant improvement from a loss of RMB 9,678,561.79 in Q1 2023[65] - Total comprehensive income for the group in Q1 2024 was RMB 920,568,760.57, up from RMB 545,348,279.39 in Q1 2023[65] - Basic earnings per share for the group in Q1 2024 were RMB 0.0853, slightly higher than RMB 0.0844 in Q1 2023[65] Asset and Liability Management - Total assets as of the end of the reporting period were 462,822,780 thousand yuan, an increase of 2.08% compared to the end of the previous year[14] - Total assets increased by 2.08% to RMB 462.823 billion, with total liabilities growing by 2.02% to RMB 428.621 billion[37] - Total assets increased to RMB 462.82 billion, up from RMB 453.41 billion in the previous period[76] - Total liabilities reached RMB 428.62 billion, an increase from RMB 420.13 billion[79] - Shareholders' equity increased to RMB 34.20 billion, compared to RMB 33.28 billion[79] - Cash and deposits with central bank amounted to RMB 21.31 billion, slightly up from RMB 20.85 billion[76] - Trading financial assets stood at RMB 33.64 billion, compared to RMB 32.98 billion[76] - Bonds payable increased significantly to RMB 21.48 billion, up from RMB 15.75 billion[79] - Deferred tax assets remained stable at RMB 3.18 billion[76] - Other comprehensive income rose to RMB 1.16 billion, up from RMB 794.84 million[79] Loan and Deposit Growth - Total loans and advances increased by 4.23% to 248,127,268 thousand yuan compared to the end of the previous year[22] - Corporate loans and advances grew by 6.43% to 198,506,708 thousand yuan[22] - Personal loans and advances decreased by 3.70% to 56,494,310 thousand yuan[22] - Total deposits increased by 1.52% to 342,486,938 thousand yuan[22] - Corporate deposits grew by 1.93% to 89,330,256 thousand yuan[22] - Personal deposits increased by 2.36% to 231,424,660 thousand yuan[22] - Loans and advances rose by 4.23% to RMB 248.127 billion, while deposits increased by 1.52% to RMB 342.487 billion[37] - Loans and advances grew to RMB 248.13 billion, compared to RMB 238.07 billion in the prior period[76] - Deposits from customers rose to RMB 342.49 billion, up from RMB 337.35 billion[79] - Customer deposits and interbank deposits increased by RMB 9.67 billion in Q1 2024, compared to RMB 20.63 billion in Q1 2023[68] Capital and Liquidity Ratios - Core Tier 1 capital adequacy ratio improved to 8.48%, up from 8.41% at the end of 2023[32] - Capital adequacy ratio stood at 11.17%, slightly higher than the 11.12% at the end of 2023[32] - Liquidity coverage ratio was 118.58%, down from 119.89% at the end of 2023[34] - Leverage ratio remained stable at 6.96%, unchanged from the end of 2023[32] Asset Quality and Risk Management - Non-performing loan ratio increased to 1.83% from 1.73% at the end of 2023[25] - Provision coverage ratio decreased to 183.18% from 197.51% at the end of 2023[25] - The non-performing loan ratio was 1.83%, an increase of 0.10 percentage points from the beginning of the year[45] - Net interest margin (annualized) improved to 1.60%, up from 1.46% at the end of 2023[27] - Cost-to-income ratio decreased to 29.92%, down from 30.42% at the end of 2023[27] Specialized Loan Portfolios - The company's technology enterprise loan balance reached 10.072 billion yuan, with a net increase of 691 million yuan in Q1[38] - Green loan balance stood at 13.429 billion yuan, with a net increase of 663 million yuan in Q1[38] - Supply chain financing business added 574 million yuan in Q1[38] - The balance of inclusive small and micro loans reached 13.006 billion yuan, with a net increase of 448 million yuan from the beginning of the year, and the average interest rate dropped by 28BP to 5.15%[38] - Agricultural loan balance reached 34.559 billion yuan, an increase of 5.88% from the beginning of the year, with inclusive agricultural loans increasing by 5.62% to 4.304 billion yuan[38] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period is 112,193[53] - The top 10 shareholders hold significant stakes, with Lanzhou Municipal Finance Bureau holding the largest stake at 8.74%[53] - Lanzhou State-owned Investment (Holding) Construction Group Co., Ltd. holds 7.11% of the shares, with 70,679,476 shares under judicial freeze[53] - Huabang Holdings Group Co., Ltd. holds 5.25% of the shares, with 297,450,000 shares pledged[53] - Lanzhou Tianqing Real Estate Development Co., Ltd. holds 4.90% of the shares[53] - Gansu Shengda Group Co., Ltd. holds 4.85% of the shares, with 106,200,000 shares pledged[53] - Shenzhen Zhengwei (Group) Co., Ltd. holds 4.32% of the shares, with all 245,805,000 shares pledged and under judicial freeze[53] - Gansu Tianyuan Hot Spring Hotel Group Co., Ltd. holds 3.09% of the shares, with all 176,000,000 shares pledged[53] - Gansu State-owned Assets Investment Group Co., Ltd. holds 3.07% of the shares[53] - Shengda Metal Resources Co., Ltd. holds 2.72% of the shares[53] Cash Flow and Liquidity - Net cash flow from operating activities was -1,393,541 thousand yuan, a significant decrease of 144.53% compared to the same period last year[14] - Net cash flow from operating activities was negative RMB 1.39 billion in Q1 2024, a significant decrease from RMB 3.13 billion in Q1 2023[68] - Net cash flow from investing activities was positive RMB 1.53 billion in Q1 2024, compared to negative RMB 5.03 billion in Q1 2023[68] - Cash and cash equivalents increased by RMB 128.44 million in Q1 2024, compared to a decrease of RMB 1.91 billion in Q1 2023[68] - Net cash flow from financing activities was negative RMB 12.94 million in Q1 2024, similar to negative RMB 13.76 million in Q1 2023[68] Customer and Employee Metrics - Personal customer financial assets (AUM) reached 284.148 billion yuan, an increase of 5.148 billion yuan from the beginning of the year[38] - Interest and commission income was RMB 4.43 billion in Q1 2024, slightly higher than RMB 4.38 billion in Q1 2023[68] - Payments for interest and commissions were RMB 3.42 billion in Q1 2024, down from RMB 3.67 billion in Q1 2023[68] - Employee compensation and benefits expenses were RMB 463.32 million in Q1 2024, down from RMB 523.37 million in Q1 2023[68] - Taxes paid were RMB 253.37 million in Q1 2024, down from RMB 312.77 million in Q1 2023[68] Other Significant Matters - The company reported no other significant matters during the reporting period[69]

34 2023 年年度报告 | --- | --- | --- | --- | --- | |----------------------------------|---------|---------|---------|-----------| | 项目 | 2023 年 | 2022 年 | 增减额 | 增长率(%) | | 信用承诺手续费及佣金 | 27,564 | 37,616 | -10,052 | -26.72 | | 银行卡手续费 | 43,884 | 45,846 | -1,961 | -4.28 | | 租赁业务手续费收入 | 34,916 | 49,962 | -15,046 | -30.12 | | 理财业务、托管及其他受托业务佣金 | 221,326 | 218,594 | 2,732 | 1.25 | | 其他 | 16,606 | 16,741 | -135 | -0.81 | | 手续费及佣金收入合计 | 435,387 | 440,439 | -5,053 | -1.15 | | 手续费及佣金支出 | | | | | | 手续费支出 | 166,979 | 75,214 | ...

4月18日晚间，兰州银行发布公告，王斌国先生因工作调动，向本行董事会提出辞去本行副行长职务。 辞任后，王斌国先生将不再担任本行任何职务。截至本公告披露日，王斌国持有该行11.9万股股份，离 任后将继续遵守所持股份限售及减持的有关规定和承诺。 ...

2月5日，兰州银行发布业绩快报称，2023年1-12月，该行实现营业收入80.19亿元，较上年同期增长5.69 亿元，增幅7.64%；实现归属于上市公司股东的净利润18.60亿元，较上年同期增长1.27亿元，增幅 7.33%。 截至2023年12月末，兰州银行总资产4533.99亿元，较年初增长174.56亿元，增幅4%；发放贷款和垫款 2380.68亿元，较年初增长179.37亿元，增幅8.15%；吸收存款3373.47亿元，较年初增长142.77亿元，增 幅4.42%；个人客户总资产（AUM）余额2790亿元，较年初增长223.54亿元，增幅8.71%。 资产质量方面，截至2023年12月末，兰州银行不良贷款率1.72%，较上年末上升0.01个百分点；拨备覆 盖率197.51%，较上年末上升2.52个百分点。 （深交所） (编辑：钱晓睿) 关键字： ...

证券代码：001227 证券简称：兰州银行 公告编号：2023-039 （股票代码：001227） 2023 年第三季度报告 1.兰州银行股份有限公司（以下简称"本行"）董事会、监事会及董事、监事、高级管理人 员保证季度报告的真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个 别和连带的法律责任。 4.本报告所载财务数据及指标按照中国企业会计准则编制，除特别说明外，均为本行及 控股子公司甘肃兰银金融租赁股份有限公司的合并报表数据，货币币种为人民币。 6.本报告除特别注明外，均以千元为单位，可能因四舍五入而存在尾差。 2023 年第三季度报告 经营活动产生的现金流 基本每股收益（元/股） 0.0812 0.0801 0.0804 1.00 0.2283 0.2071 0.2070 10.29 基本每股收益（元/股）0.0819 0.0831 0.0834 -1.80 0.2162 0.2182 0.2182 -0.92 | --- | --- | --- | --- | --- | --- | --- | --- | --- | |----------------------|-------|-- ...

证券代码: 001227 证券简称:兰州银行 | --- | --- | |----------------------|--------------------------------------| | | √特定对象调研 | | 投资者关系 | □媒体采访 | | 活动类别 | □新闻发布会 | | | □现场参观 | | | □其他(请文字说明其他活动内容) | | 参与单位名称 | 浙商证券 梁凤洁、陈建宇 | | 及人员姓名 | 申万菱信 赵瑞光 | | 时间 | 2023 年 9 月 12 日 | | 地点 | 兰州银行总行 25 楼会议室 | | 上市公司接待人员姓名 | 董事会秘书、相关部门负责人及工作人员 | | | 1. | 兰州银行在省内法人银行中资产规模排在首位。2023 年 6 月末,我行 存款余额 3,379.30 亿元,存款规模在省内的市场份额 12.78%,位居全省第 一位;发放贷款和垫款余额 2,372.13 亿元,贷款规模在省内的市场份额 10.50%,保持全省第二位(第一位为国家开发银行甘肃省分行)。我行起 步于兰州市,业务约 70%分布在兰州市,30%分布在在兰外分行, ...

| --- | --- | --- | |---------------|----------------------|----------------------------------------------| | 项目 | 2023 年 6 月 30 日 | 单位：人民币千元 \n 2022 年 12 月 31 日 | | 年初余额 | 1,133 | 1,311 | | 本年计提/回拨 | -194 | -178 | | 年末余额 | 939 | 1,133 | | --- | --- | --- | |------------------|--------------------|----------------------------------------------| | 项目 | 2023 年 6 月 30 日 | 单位：人民币千元 \n 2022 年 12 月 31 日 | | 商业用房地产 | 1,285,703 | 1,215,039 | | 土地使用权 | 47,109 | 47,109 | | 机器设备 | 18,528 | 18,528 | | 其他 | 13,276 | 13, ...

证券代码： 001227 证券简称：兰州银行 兰州银行股份有限公司投资者关系活动记录表 编号：2023-03 √特定对象调研 □分析师会议 □媒体采访 □业绩说明会 □新闻发布会 □路演活动 □现场参观 □其他（请文字说明其他活动内容） 投资者关系 活动类别 汇丰证券 孙怡 参与单位名称行健资管 Gideon Lo 及人员姓名鹏扬基金 张文钊 国海富兰克林 赵宇烨 时间 2023 年 7 月 5 日 地点 兰州银行总行 21 楼会议室 上市公司接待 人员姓名 董事会秘书、相关部门负责人及工作人员 1.一带一路主题中，贵行是否有参与？主要参与哪些项目？基建投放 情况以及投放价格是怎样的？ 兰州银行作为甘肃省规模最大的商业银行，充分受益于"一带一路"、 "西部大开发"国家级发展战略。通过融入"一带一路"倡议、新时代西部大 开发、黄河流域生态保护，聚焦"十四五"规划重点领域和项目，兰州银行 积极服务国家重大发展战略，紧跟区域战略布局，深度支持地方重大项目 建设。截至 2022 年末，兰州银行落地甘肃省"三张清单"内重点项目 80 投资者关系活动主 个，授信金额 264.66 亿元，贷款余额 168.13 亿元，先后 ...

证券代码： 001227 证券简称：兰州银行 | --- | --- | --- | --- | |------------|---------------|-------------|---------------| | | | | 编号：2023-02 | | | √特定对象调研 | □分析师会议 | | | 投资者关系 | □媒体采访 | □业绩说明会 | | | 活动类别 | □新闻发布会 | □路演活动 | | | | □现场参观 | | | □其他（请文字说明其他活动内容） 安信证券 李双 参与单位名称 广发基金 胡昕宇 及人员姓名 时间 2023 年 7 月 4 日 地点 兰州银行总行 25 楼会议室 上市公司接待 人员姓名 董事会秘书、相关部门负责人及工作人员 1.二季度以来，信贷主要投向了哪些领域或行业？后续信贷投放重 点会不会有差异？ 二季度以来，我行信贷主要投向的领域或行业包括：制造业，批发零 售业，建筑业，水利、环境和公共设施管理业，租赁和商务服务业，文化、 体育和娱乐业，电力、热力、燃气及水生产和供应业，交通运输、仓储和 邮政业，农、林、牧、渔业等，上述行业投放金额占二季度累计投放金 ...