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：2024-05 | --- | --- | --- | |-------------------------|---------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------| | 投资者关系 | √ 特定对象调研 \n□媒体采访 | □分析师会议 \n □业绩说明会 | | 活动类别 | □新闻发布会 □现场参观 | □路演活动 | | | □其他（请文字说明其他活动内容） 浙商证券 梁凤洁、陈建宇 | | | 参与单位名称 及人员姓名 | 民生加银 祝婳婷、冯嵩越 永赢基金 蒋昱东 | | | 时间 | 2024 年 11 月 6 日 | | | 地点 | 兰州银行总行 25 | ...

Summary of the Conference Call Company Overview - **Company**: Lanzhou Bank - **Industry**: Banking and Financial Services Key Points and Arguments 1. **Financial Performance**: - Total assets reached 486.285 billion yuan with a growth rate of 7.25% [1] - Loan issuance and electric payments amounted to 245.369 billion yuan, with a net increase of 7.18% [2][12] - Net profit attributable to shareholders was 18.88 billion yuan, marking a continuous growth for five years [5][13] - Non-performing loan ratio decreased to 1.81% with a coverage ratio above 200% [2][5] 2. **Strategic Focus**: - Emphasis on supporting local economic development and fulfilling social responsibilities [4][10] - Continued investment in technology and digital transformation, including the launch of AI-driven customer service systems [2][21] - Commitment to green finance and support for small and medium-sized enterprises [1][15] 3. **Market Position**: - Maintained the largest commercial bank status in Gansu Province for both deposits and loans [1][5] - Market share for deposits was 12.3% and for loans was 9.95% [5] 4. **Growth Initiatives**: - Focus on enhancing capital management and risk control [6][8] - Plans to issue 50 billion yuan in perpetual bonds to strengthen capital [27] - Targeting key sectors such as advanced manufacturing and green energy for loan growth [26][30] 5. **Investor Relations**: - Commitment to providing stable and reasonable returns to shareholders, with a dividend payout ratio exceeding 30% [9][24] - Engaging with investors through interactive platforms to address concerns and gather feedback [3][25] 6. **Future Outlook**: - Anticipated GDP growth for Gansu Province at 5.8% for 2024 and 6.2% for Q1 2025, indicating a resilient economic environment [10] - Plans to enhance credit structure and improve asset quality over the next two to three years [7][10] Additional Important Content - **Technological Advancements**: - The bank is enhancing its digital infrastructure, including the launch of a new mobile banking version and a focus on data governance [2][21][22] - The introduction of innovative financial products aimed at improving customer engagement and service delivery [16][18] - **Risk Management**: - Continuous improvement in risk management practices to mitigate potential loan defaults and enhance asset quality [14][23] - A proactive approach to managing credit risk and ensuring compliance with regulatory standards [27][29] - **Community Engagement**: - Active participation in local economic initiatives and support for rural revitalization strategies [19][20] This summary encapsulates the key insights from the conference call, highlighting Lanzhou Bank's financial performance, strategic initiatives, market position, and future outlook while also addressing technological advancements and risk management practices.

Financial Performance - The total operating income for Q3 2024 was RMB 2,057,716, a decrease of 1.85% compared to RMB 2,096,504 in Q3 2023[3]. - Net profit attributable to shareholders of the parent company for Q3 2024 was RMB 551,169, an increase of 5.50% from RMB 522,426 in Q3 2023[3]. - The net profit after deducting non-recurring gains and losses for Q3 2024 was RMB 407,887, a decrease of 22.54% compared to RMB 526,571 in Q3 2023[3]. - The basic earnings per share for Q3 2024 was RMB 0.0862, an increase of 6.16% from RMB 0.0812 in Q3 2023[3]. - The weighted average return on equity for Q3 2024 was 4.61%, a decrease of 0.21 percentage points from 4.82% in the same period last year[3]. - Net interest income for the first three quarters was RMB 4.544 billion, a 0.13% increase year-over-year[15]. - Net profit reached RMB 1.533 billion, representing a 0.65% growth compared to the same period last year[15]. - The total operating income for the first nine months of 2024 was RMB 6,052,658,145.23, compared to RMB 6,241,119,042.45 in the same period of 2023, representing a decrease of approximately 3.02%[25]. - The net profit for the first nine months of 2024 reached RMB 1,533,154,411.76, compared to RMB 1,523,308,681.43 in the same period of 2023, indicating a growth of approximately 0.16%[25]. Assets and Liabilities - The total assets as of September 30, 2024, reached RMB 480,978,547, an increase of 6.08% from RMB 453,410,501 at the end of the previous year[3]. - The total liabilities as of September 30, 2024, were RMB 446,276,129, reflecting a growth of 6.22% from RMB 420,128,899 at the end of the previous year[3]. - The total loans and advances issued amounted to RMB 247,825,294, an increase of 4.10% from RMB 238,067,756 at the end of 2023[5]. - The total deposits absorbed by the bank were RMB 360,225,033, up 6.78% from RMB 337,347,290 at the end of 2023[5]. - The total assets of the company as of September 30, 2024, amount to RMB 480,978,546,672.21, an increase from RMB 453,410,501,316.53 at the end of 2023[23]. - Total liabilities amounted to RMB 446.276 billion, reflecting a 6.22% growth compared to the previous year-end[15]. - The total equity attributable to shareholders increased to RMB 34.37 billion from RMB 34.17 billion, representing a growth of approximately 0.59%[24]. Cash Flow and Investments - The net cash flow from operating activities showed a significant decline of 120.13%, resulting in -247,762 thousand RMB[7]. - The cash inflow from operating activities totaled CNY 39.74 billion, an increase from CNY 37.29 billion year-over-year, representing a growth of approximately 6.6%[27]. - The net cash flow from investment activities was CNY 1.15 billion, a significant improvement from a net outflow of CNY 3.62 billion in the previous year[27]. - The cash flow from financing activities showed a net inflow of CNY 2.41 billion, compared to a net outflow of CNY 746.64 million in the same period last year[27]. - The total cash and cash equivalents at the end of the period reached CNY 8.97 billion, up from CNY 5.19 billion at the end of the same period last year, indicating a year-over-year increase of approximately 72.5%[27]. - The cash inflow from interest, fees, and commissions was CNY 15.67 billion, up from CNY 12.97 billion year-over-year, marking an increase of approximately 20.8%[27]. Capital Adequacy and Ratios - The liquidity coverage ratio improved to 164.18%, significantly higher than the regulatory requirement of 100%[11]. - The core tier 1 capital adequacy ratio stood at 8.28%, slightly down from 8.41% a year earlier[9]. - The total capital adequacy ratio increased to 11.86%, up from 11.12% at the end of 2023[9]. - The bank's total liabilities to equity ratio stood at approximately 12.87, indicating a stable leverage position compared to previous periods[24]. - The liquidity ratio improved to 68.25%, well above the regulatory minimum of 25%[9]. Client and Loan Information - The company’s major clients' loan concentration decreased to 42.72%, down from 48.53% at the end of 2023[8]. - The balance of manufacturing loans was RMB 21.145 billion, with a net increase of RMB 1.662 billion, an 8.53% increase[16]. - The balance of loans to technology enterprises was RMB 10.678 billion, with a net increase of RMB 1.297 billion, a 13.83% growth[16]. - The balance of inclusive small and micro loans was RMB 13.720 billion, with a net increase of RMB 1.128 billion, an 8.96% increase[17]. - The average interest rate for inclusive small and micro loans decreased by 26 basis points to 5.17%[17]. Shareholder Information - The total number of common shareholders at the end of the reporting period is 109,065[19]. - The largest shareholder, Lanzhou Finance Bureau, holds 8.74% of shares, totaling 498,058,901 shares[19]. Other Financial Metrics - The company reported a 30.32% decrease in fair value gains, totaling 226,300 thousand RMB for the first nine months of 2024[7]. - The company experienced a 175.19% increase in asset disposal losses, amounting to -10,780 thousand RMB[7]. - The bank's other comprehensive income increased significantly to RMB 1.28 billion from RMB 794.84 million, indicating a growth of approximately 61.5%[24]. - The bank's employee compensation liabilities increased to RMB 91.01 million from RMB 68.79 million, reflecting a growth of approximately 32.4%[24]. - The bank's deferred tax liabilities rose to RMB 821.38 million from RMB 548.15 million, representing an increase of approximately 49.7%[24].

证券代码：001227 证券简称：兰州银行 公告编号：2024-042 兰州银行股份有限公司 第六届董事会第二次会议决议公告 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。 兰州银行股份有限公司（以下简称"本行"）第六届董事会第二次会议通知以 电子邮件方式于 2024 年 10 月 18 日发出，会议于 2024 年 10 月 28 日在兰州市城 关区酒泉路 211 号兰州银行大厦 25 楼会议室以现场结合视频方式召开。本次会 议应出席董事 10 名，实际出席董事 10 名，其中李富有董事以视频方式参会。本 次会议由许建平董事长主持，全体监事、高级管理人员及总行相关部门负责人等 列席会议。会议的召开符合《中华人民共和国公司法》《深圳证券交易所股票上 市规则》和《兰州银行股份有限公司章程》的规定，合法有效。 三、审议通过了《关于<兰州银行股份有限公司战略规划中期评估及调整报 告>的议案》 本议案表决结果：同意 10 票，反对 0 票，弃权 0 票。 1 四、审议通过了《关于拟收购合水县金城村镇银行设立支行的议案》 会议审议通过了以下议案： 一、审议通过了《兰州银行股 ...

证券代码：001227 证券简称：兰州银行 公告编号：2024-045 兰州银行股份有限公司 关于召开 2024 年第二次临时股东大会通知的公告 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。 兰州银行股份有限公司（以下简称"本行"）2024年第二次临时股东大会定于 2024年11月15日召开，会议有关事项通知如下： 一、召开会议基本情况 （一）股东大会届次：2024年第二次临时股东大会。 （二）股东大会召集人：本行董事会。本行第六届董事会第二次会议审议通 过了《关于提请召开兰州银行股份有限公司2024年第二次临时股东大会的议案》。 （三）会议召开的合法、合规性：本次股东大会的召开符合相关法律法规和 本行章程的规定。 （四）会议召开的时间： 1.现场会议召开时间：2024年11月15日（星期五）15:30。 2.网络投票时间：通过深圳证券交易所交易系统进行网络投票的时间为2024 年11月15日9:15-9:25，9:30-11:30和13:00-15:00；通过深圳证券交易所互联网投 票系统投票的时间为2024年11月15日9:15-15:00。 （五）会议的召 ...

（股票代码：001227） 兰州银行股份有限公司 2024 年第二次临时股东大会 会议材料 二◯二四年十一月 | 会议 议 程 | �� | | --- | --- | | 会议 须知 | .. | | 拟收购合 | El An the title i . . | 2024 年第二次临时股东大会会议材料 会议议程 召开时间：2024 年 11 月 15 日（星期五）下午 15:30 召开地点：甘肃省兰州市城关区酒泉路 211 号（兰州银 行大厦 7 楼会议室） 召开方式：现场会议+网络投票 召集人：兰州银行股份有限公司董事会 会议主持人：董事长许建平先生 会议议程： 四、报告现场出席会议的股东及股东代理人人数及其代 表的有表决权股份数量； 五、推选本次会议计票人、监票人； 六、投票表决； 十、宣布会议结束。 1 一、主持人宣布会议开始； 二、宣读股东大会会议须知； 三、审议议案； 七、与会代表休息（工作人员统计投票结果）； 八、宣布现场表决结果； 九、见证律师宣读法律意见书； 2024 年第二次临时股东大会会议材料 会议须知 为维护全体股东合法权益，确保兰州银行股份有限公司 （以下简称"本行"）股东大会顺利进 ...

证券代码：001227 证券简称：兰州银行 公告编号：2024-043 二、审议通过了《兰州银行股份有限公司 2024 年第三季度第三支柱信息披 露报告》 本报告同日在本行门户网站（www.lzbank.com）披露。 本议案表决结果：同意 6 票，反对 0 票，弃权 0 票。 兰州银行股份有限公司 第六届监事会第二次会议决议公告 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。 兰州银行股份有限公司（以下简称"本行"）第六届监事会第二次会议通知以 电子邮件方式于 2024 年 10 月 18 日发出，会议于 2024 年 10 月 28 日以现场方式 在兰州市城关区酒泉路 211 号兰州银行大厦 25 楼会议室召开。本次会议应出席 监事 6 名，实际出席监事 6 名，其中苏立钊、董希淼监事以视频方式参会。本次 会议由周伟监事长主持，总行相关部门负责人列席会议。会议的召开符合《中华 人民共和国公司法》《深圳证券交易所股票上市规则》和《兰州银行股份有限公 司章程》的规定，合法有效。 会议审议通过了以下议案： 一、审议通过了《兰州银行股份有限公司 2024 年第三季度报 ...

证券代码：001227 证券简称：兰州银行 公告编号：2024-046 兰州银行股份有限公司 关于召开 2024 年第三季度业绩说明会的公告 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。 兰州银行股份有限公司（以下简称"本行"）于 2024 年 10 月 29 日披露《兰 州银行股份有限公司 2024 年第三季度报告》，将于 2024 年 11 月 8 日召开 2024 年第三季度业绩说明会。 一、会议相关安排 （一）会议召开时间：2024 年 11 月 8 日 15:00-16:00 （二）本行参加人员：董事长许建平、董事会秘书张少伟、独立董事和总行 相关部门负责人 （四）网络地址：全景路演（https://rs.p5w.net） 二、征集问题事项 本行现就 2024 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 2024 年 11 月 5 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。 特此公告。 兰州银行股份有限公司董事会 2024 年 ...

兰州银行：拟收购合水县金城村镇银行设立支行 财联社10月28日电，兰州银行公告，为深入贯彻中央 关于金融机构改革政策，根据国家金融监督管理总局及甘肃监管局关于甘肃省内村镇银行改革相关工作 安排，公司拟收购合水县金城村镇银行，并设立支行。 合水村镇银行成立于2012年，注册资本金4917.6万元，由兰州银行发起设立。 本次收购将在取得监管部门批准后正式实施。 收购完成后，兰州银行将承接合水村镇银行的全部资产、负债、业务、机构网点及其他一切权利与义 务。 查看公告原文 ...

证券代码： 001227 证券简称：兰州银行 编号：2024-04 兰州银行股份有限公司投资者关系活动记录表 | --- | --- | --- | |-------------------------|----------------------------------------|-------------------------------------------------------------------| | | | | | | ☑ 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 □现场参观 | □路演活动 | | | □其他（请文字说明其他活动内容） | | | 参与单位名称 及人员姓名 | 中信建投 马鲲鹏 | | | 时间 | 2024 年 9 月 19 日下午 | | | 地点 上市公司接待 | 兰州银行总行 25 楼会议室 | | | 人员姓名 | 董事、董事会秘书张少伟及相关部门负责人 | | | | 1. | 如何展望下半年净息差的变化趋势？ | | | 受益于负债端成本管控， | 2024 年上半年我行净息 ...