智通财经9月5日讯（记者 邹俊涛）9月5日下午，兰州银行召开2025年半年度业绩说明会。兰州银行董 事长许建平、行长刘敏、董秘张少伟、风险管理部总经理高晓明、计划财务部总经理高雪梅等管理层出 席会议。 会上，投资者最为关注的还是兰州银行不良贷款率为何居高不下以及如果解决等问题。兰州银行管理层 认为，公司不良率高于同业均值的原因是对标优秀上市银行，进行了"严格的资产质量管理分类"，并表 示接下来将从加大不良资产清收处置力度等四方面着手进行压降。 此外，关于中期分红方案以及未来发展战略及目标，兰州银行管理层也进行了解答。 称会继续保持稳健分红政策，今年中期分红方案待定 公司公告显示，兰州银行从2024年开始实行中期分红，2024年全年实现分红率达到30.47%，较2023年 全年30.56%的分红率略有下滑，同时更较2022年巅峰时期的全年39.44%分红率仍有差距。 会上，投资者关心兰州银行今年中期分红方案如何，预计全年分红率将达到什么水平？并提问管理层， 增加分红回报投资者有何想法？行长刘敏回应称，近年来，我行高度重视回馈投资者，保持稳健的分红 政策，为股东提供持续、稳定、合理的投资回报。上市三年来，我行累计 ...

Core Viewpoint - Hongxin Electronics announced the release of stock pledges by its controlling shareholder, Hongxin Chuangye Investment Group, involving 13,000,000 shares, which represents 15.44% of the shares held by the shareholder and 2.69% of the total share capital of the company [2] Summary by Relevant Sections - **Stock Pledge Release**: The controlling shareholder, Hongxin Chuangye, completed a stock pledge release at the Tianshui Maiji Branch of Lanzhou Bank, involving 13 million shares [2] - **Percentage of Shares**: The released shares account for 15.44% of the shares held by the controlling shareholder and 2.69% of the company's total share capital [2]

2025年6月末，兰州银行流动性比例为72.61%，较2024年末略有提升且总体稳定。较高流动性比例体现 其稳健经营策略，同时通过加强资产负债组合管理等方式平衡流动性、安全性和盈利性。 在负债端成本管控方面，2025年上半年，兰州银行通过强化负债质量管理等手段，持续压降付息成本。 截至上半年末，存款付息率较年初下降25BP，较同期下降31BP；付息负债成本较年初下降27BP，较同 期下降33BP。 多领域积极作为，展现特色金融服务 作为连续十二届兰州马拉松总冠名商，兰州银行在赛事期间推出多种特色产品与服务，如2025年首 创"兰马系列黄河之韵""兰马纪念章"等贵金属产品，推出兰马专属代销理财、马拉松纪念卡等。 9月5日下午，兰州银行通过全景网"投资者关系互动平台"举办业绩说明会，吸引了众多投资者通过网络 互动参与。此次业绩说明会透露了兰州银行多项重要信息，包括资产规模、流动性管理、负债成本管控 等关键要点。 资产规模突破5000亿，迈入中型银行序列 截至2025年6月末，兰州银行资产总额达到5097.42亿元，较年初增长4.82%，首次突破5000亿元大关， 正式迈入中型银行序列。这一突破标志着兰州银行在资本 ...

Financial Performance - As of June 2025, the total assets of Lanzhou Bank reached 5097.42 billion CNY, marking a 4.82% increase from the beginning of the year, officially entering the medium-sized bank category [2] - The liquidity ratio stood at 72.61% as of June 2025, slightly improved from the end of 2024, reflecting a stable operational strategy [2] - The bank's deposit interest rate decreased by 25 basis points (BP) compared to the beginning of the year, and the cost of interest-bearing liabilities dropped by 27 BP [3] Support for Private Enterprises - Lanzhou Bank implemented a series of initiatives to support private enterprises, resulting in a loan balance of 745.17 billion CNY, with a net increase of 35.03 billion CNY (4.93%) since the beginning of the year [4] Capital Management - The bank plans to issue up to 20 billion CNY in subordinated debt within regulatory approval timelines to strengthen capital [5] - Cumulative dividends since listing reached 23.98 billion CNY, with an average cash dividend ratio of 33.49% [5] Asset Quality Management - As of June 2025, the non-performing loan (NPL) ratio was 1.81%, a slight decrease of 0.02 percentage points from the beginning of the year, with a provision coverage ratio of 207.89% [6] - The bank employs a comprehensive risk management strategy, including enhanced credit approval processes and advanced risk identification technologies [6] Green Finance Initiatives - By June 2025, Lanzhou Bank issued 3.16 billion CNY in carbon reduction loans, contributing to a reduction of 96,000 tons of CO2 equivalent [7] - The balance of green loans reached 165.59 billion CNY, with a net increase of 21.07 billion CNY (14.58%) since the beginning of the year [7] Strategic Development - The bank is advancing its "1363" strategic plan, focusing on becoming a respected boutique bank through customer development, retail transformation, and asset quality improvement [9] - The bank's asset scale surpassing 5000 billion CNY is seen as a significant milestone, enhancing its market position and service capabilities [9]

Investment Rating - The report maintains a positive outlook on the banking sector's allocation value, suggesting continued investment interest in the sector [4][10]. Core Viewpoints - The performance of listed banks in the first half of 2025 shows a marginal improvement in revenue and profit margins, with year-on-year growth of 1.0% in revenue and 0.8% in net profit attributable to shareholders [4][5]. - The recovery in the bond market during the second quarter has alleviated some of the pressures on bond investment returns, contributing to the overall performance improvement [4][5]. - The report anticipates that the banking sector's revenue and net profit growth will remain around 1% year-on-year for 2025, despite ongoing pressures on the banking fundamentals [4][10]. Summary by Sections Performance Overview - In the first half of 2025, listed banks experienced a year-on-year revenue growth of 1.0% and a net profit growth of 0.8%, with quarter-on-quarter improvements of 2.8 percentage points and 2 percentage points respectively [4][5]. - The growth in interest-earning assets was 9.7% year-on-year, with a stable credit growth of 8% and a significant increase in financial investments by 14.9% [4][11]. - The net interest margin for the first half of 2025 was 1.33%, showing a year-on-year decline of 13 basis points, which is less than the decline seen in the same period last year [4][5]. Non-Interest Income - Non-interest income showed a positive trend, with a year-on-year increase of 10.8% in other non-interest income and a 3.1% increase in fee income [4][5][10]. - The report highlights that the recovery in the capital market has contributed to the improvement in non-interest income [4][10]. Asset Quality - The report notes that while the non-performing loan ratio remains stable, there is an increase in the generation rate of overdue and non-performing loans, particularly in retail banking [4][10]. - The provision coverage ratio remained stable, with an increase in provisioning efforts during the first half of 2025 [4][10]. Future Outlook - The banking sector is expected to face continued pressure in 2025, but signs of a potential turning point are emerging, with improved net interest margins and non-interest income [4][10]. - The report suggests that the demand for bank stocks will increase from long-term funds, driven by favorable policies encouraging investment in the banking sector [4][10].

Core Viewpoint - Lanzhou Bank reported a slight increase in net profit and revenue for the first half of 2025, indicating stable growth amidst a challenging banking environment [1][3]. Financial Performance - The bank achieved an operating income of 3.921 billion yuan and a net profit attributable to shareholders of 952 million yuan, representing a year-on-year growth of 0.87% [1]. - As of the end of June, the total asset size reached 509.742 billion yuan, a growth of 4.82% from the beginning of the year [3]. - Customer deposits totaled 373.312 billion yuan, up approximately 4.81%, maintaining a market share of 12.02% in Gansu Province [3]. - The total amount of loans and advances increased by 4.90% to 257.382 billion yuan, with the bank holding the second-largest loan scale in the province [3]. Business Strategy - Lanzhou Bank is focusing on credit support for small and micro enterprises and green development, optimizing its loan structure with growth in both personal and small business loans [3][6]. - The bank's non-interest income reached 892 million yuan, a year-on-year increase of 27.79%, driven by innovative off-balance-sheet business [3]. Risk Management - The non-performing loan ratio improved to 1.81%, a decrease of 0.01 percentage points compared to the same period last year [4]. - The provision coverage ratio increased by 9.28 percentage points to 207.89%, marking a five-year high [4]. - The capital adequacy ratio rose from 11.76% in the first half of 2024 to 11.96% [4]. Transformation Initiatives - The bank is pursuing three major transformation directions: lightweight, digitalization, and greening, to enhance its service to the real economy [6]. - In the manufacturing sector, loans increased by 11.61% to 23.623 billion yuan, while loans for high-tech enterprises surged by 33.92% [6]. - The bank has developed various online credit products to address financing challenges for small and micro enterprises, with a loan balance for private enterprises reaching 74.517 billion yuan, up 4.93% [6]. Digitalization Efforts - Lanzhou Bank is integrating digital technology into financial product innovation and customer service, with 19 technology projects launched during the reporting period [7]. - The bank's mobile banking service saw significant enhancements, with 3.7624 million accounts opened and 911,800 monthly active users by the end of June [7]. Green Financing - The bank is increasing financial support for green projects, with a green loan balance of 16.559 billion yuan, reflecting a growth of 14.58% [7]. Shareholder Returns - Since its listing in 2022, Lanzhou Bank has completed three rounds of share buybacks, totaling approximately 34.87 million shares, with a total investment of 94.221 million yuan [8]. - The bank has consistently provided cash dividends, with a dividend of 0.51 yuan per 10 shares in July 2025, maintaining a dividend yield of around 4% [8][9]. - Cumulatively, the bank has distributed 2.398 billion yuan in dividends since its listing, exceeding the amount raised during its IPO by 1.18 times [9].

Group 1 - The city commercial bank sector experienced a decline of 0.37% on September 5, with Chongqing Bank leading the drop [1] - The Shanghai Composite Index closed at 3812.51, up 1.24%, while the Shenzhen Component Index closed at 12590.56, up 3.89% [1] - Key individual stock performances in the city commercial bank sector included Ningbo Bank rising by 1.74% and Chongqing Bank falling by 1.34% [1][2] Group 2 - The net outflow of main funds from the city commercial bank sector was 287 million yuan, while retail investors saw a net inflow of 141 million yuan [2] - The trading volume for Chongqing Bank was 107,400 shares, with a transaction amount of 103 million yuan [2] - The overall trading activity showed a mixed trend, with some banks experiencing slight declines while others saw minor gains [1][2]

证券之星消息，截至2025年9月4日收盘，兰州银行(001227)报收于2.42元，上涨0.0%，换手率1.74%， 成交量73.17万手，成交额1.76亿元。 9月4日的资金流向数据方面，主力资金净流出555.46万元，占总成交额3.15%，游资资金净流出824.98 万元，占总成交额4.68%，散户资金净流入1380.44万元，占总成交额7.83%。 近5日资金流向一览见下表： | 日期 | | | | 收盘价 涨跌幅 主力净流入 主力净占比 游资净点比 散户净流入 散户净占比 | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | 2025-09-04 | 2.42 0.00% | -555.46万 | -3.15% | -824.98万 | -4.68% | 1380.44万 | 7.83% | | 2025-09-03 | 2.42 -2.02% | -819.95万 | -4.08% | -807.43万 | -4.02% | 1627.38万 | 8.10% | | 2025-09-02 | 2.47 0.41% | -2408.2 ...

Investment Rating - The report indicates a positive outlook for the banking industry, with overall revenue and net profit growth rates turning positive in the first half of 2025, at 1.0% and 0.8% respectively, showing improvements from the previous quarter [4]. Core Insights - The banking sector's net interest margin for the first half of 2025 is reported at 1.42%, a decrease of 10 basis points compared to the previous year, but the decline is narrowing due to improved cost management on the liability side [5]. - Non-interest income, particularly from fees and commissions, has increased by 3.1% year-on-year, driven by a recovery in wealth management and a more active market environment [5]. - The asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 239%, indicating a solid credit environment [5]. Summary by Sections Financial Performance Overview - The overall revenue and net profit growth for listed banks in the first half of 2025 were 1.0% and 0.8%, respectively, with both metrics showing improvement from the first quarter [4][22]. - The total assets of listed banks reached 321.3 trillion yuan, growing by 6.35% year-to-date, with loans and advances totaling 179.4 trillion yuan, accounting for 55.84% of total assets [21][24]. Income Sources - Net interest income decreased by 1.3% year-on-year, but the decline rate has slowed, reflecting better management of funding costs [5]. - Fee and commission income grew by 3.1% year-on-year, benefiting from a recovering market and the gradual impact of regulatory changes [5]. - Other non-interest income saw a significant increase of 10.7%, primarily due to favorable market conditions in the bond market [5]. Asset Quality and Management - The non-performing loan ratio remained stable at 1.23%, with a provision coverage ratio of 239%, indicating a robust asset quality [5]. - The credit cost for the first half of 2025 was 0.81%, a decrease of 5 basis points year-on-year, suggesting manageable credit risks [5]. Loan Growth and Composition - Loan growth was primarily driven by corporate lending, with significant contributions from infrastructure and manufacturing sectors [20]. - Personal loan growth was weaker, with a year-on-year increase of only 3.6%, reflecting a cautious approach to consumer lending amid rising risks [20]. Investment and Market Conditions - The investment asset proportion decreased to 34% as banks adjusted their strategies in response to market volatility [20]. - The overall yield on bonds fluctuated significantly, prompting banks to engage in tactical trading to enhance returns [20].

Group 1 - Qingdao Bank announced that its shareholder Guoxin Chanquan Holdings plans to increase its stake through secondary market transactions, aiming for a total holding of 19.00% to 19.99% after the increase, with a minimum of 233 million shares and a maximum of 291 million shares to be acquired within six months [1] - Nanjing Bank's major shareholder, Nanjing Gaoke, increased its stake by 7.51 million shares, raising its holding from 8.94% to 9.00%, reflecting confidence in the bank's future development [2] - Shanghai Bank reported that ten directors and senior management purchased a total of 440,000 shares, with a total investment estimated between 4.60 million to 4.70 million yuan, indicating strong internal confidence in the bank's value [3] Group 2 - Suzhou Bank's major shareholder, Guofazhong Group, completed its share increase plan, acquiring 118 million shares for a total investment of 856 million yuan, based on confidence in the bank's long-term value [4] - Chengdu Bank adjusted its share increase plan due to rising stock prices, with a new plan to invest between 700 million to 1.4 billion yuan without a price cap, reflecting ongoing confidence in the bank's future [5] - Huaxia Bank announced a plan for its directors and senior management to voluntarily increase their holdings by at least 30 million yuan, demonstrating confidence in the bank's long-term investment value [6] Group 3 - The trend of share increases among banks is concentrated when valuations are at historical lows, indicating a strong internal belief in long-term value [4] - Analysts noted that the banking sector's profitability is stabilizing, with expectations for continued growth in earnings, suggesting a favorable investment environment for bank stocks [6]