报告期内，兰州银行生息资产日均余额4407.19亿元，较上年同期增加250.87亿元，增幅6.04%；净利差 1.35%，较年初下降7个BP；净息差1.37%，较年初下降6个BP。兰州银行表示，净利差、净息差下降的 主要原因为，一方面，该行严格落实国家服务实体经济决策部署，多措并举让利实体经济，从而导致生 息资产平均收益率有所下降；另一方面，受存款重定价时滞因素影响，负债成本具有较强刚性，短期难 以完全对冲。 报告期内，兰州银行实现利息净收入30.29亿元，较上年同期减少2.68亿元，利息净收入占营业收入的 77.25%。其中：业务规模调整导致利息净收入增加2.33亿元，收益率或成本率变动导致利息净收入减少 5.01亿元。 北京商报讯（记者 宋亦桐）8月27日，兰州银行发布2025年半年度报告，数据显示，报告期内，该行实 现营业收入39.21亿元，较上年同期减少1.86%；实现净利润9.75亿元，较上年同期增加0.04亿元，增幅 0.44%；实现归属于母公司股东的净利润9.52亿元，较上年同期增加0.08亿元，增幅0.87%。 ...

范围包括贷款及资金业务。本银行向关联方发放的贷款及进行的资 注:本银行作为上市的商业银行, 475 F 金业务严格被照中国人民银行的规定开展,不属于一般意义上的关联方 片用 公司资金 银行向持有本公司5% 及5%以上股份股东及股东集团及其他关联方发放的贷款及进行的资金业务,已在本银行2025年6月30日财务报告附注 未在本表列示。 电被控, F 2025年1-6月非经营性资金占用及其他关联资金往来情况汇总表 企业法定代表人: 编制单位,兰州银行股 | 编制单位:兰州银行股份有限公司 · 《 | | | | | | | | | | 单位:万元 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 非经营性 | 资金占用方名称 | 占用方与上市公司 | 上市公司核算 | 2025年期初占用 | 2025年1-6月占用累 计发生金额(不含利 | 2025年1-6月占用 资金的利息(如 | | 2025年1-6月偿还 2025年6月30日占用 | 占用形成原因 | 占用性质 | | 资金占用 | | 的关联关系 | 的会计科目 ...

证券代码：001227 证券简称：兰州银行 公告编号：2025-041 兰州银行股份有限公司 关于召开 2025 年半年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 2025 年 8 月 28 日披露《兰州 银行股份有限公司 2025 年半年度报告》，将于 2025 年 9 月 5 日召开 2025 年半 年度业绩说明会。 （三）会议召开方式：网络互动 （四）网络地址：全景路演（https://rs.p5w.net） 二、征集问题事项 本行现就 2025 年半年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 8 月 31 日 18:00 前访问 https://ir.p5w.net/zj/，进入问题征集专题 页面。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 2025 年 8 月 27 日 一、会议相关安排 （一）会议召开时间：2025 年 9 月 5 日 15:00-16:00 （二）本行参加人员：许建平董事长、刘敏行长、董事会 ...

兰州银行股份有限公司 审 阅 报 告 大信阅字[2025]第 9-00004 号 大信会计师事务所（特殊普通合伙） WUYIGE CERTIFIED PUBLIC ACCOUNTANTS LLP. 兰州银行股份有限公司 审阅报告及财务报表 （2025 年 1 月 1 日至 2025 年 6 月 30 日止） | | 目 录 | 页 次 | | --- | --- | --- | | 一、 | 审阅报告 | 1 | | 二、 | 已审阅财务报表 | | | | 合并及银行资产负债表 | 1-2 | | | 合并及银行利润表 | 3-4 | | | 合并及银行现金流量表 | 5-6 | | | 合并股东权益变动表 | 7-8 | | | 银行股东权益变动表 | 9-10 | | | 财务报表附注 | 11-107 | 审 阅 报 告 大信阅字[2025]第 9-00004 号 兰州银行股份有限公司全体股东： 我们审阅了后附的兰州银行股份有限公司（以下简称"贵公司"）财务报表，包括 2025 年 6 月 30 日的合并及母公司资产负债表，2025 年 1-6 月的合并及母公司利润表、合并及母公司现金流量表和 202 ...

兰州银行股份有限公司 第六届监事会第四次会议决议公告 证券代码：001227 证券简称：兰州银行 公告编号：2025-039 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"）第六届监事会第四次会议通知以 电子邮件方式于 2025 年 8 月 15 日发出，会议于 2025 年 8 月 27 日以书面传签方 式召开。本次会议应出席监事 6 名，实际出席监事 6 名。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。 本议案表决结果：同意 6 票，反对 0 票，弃权 0 票。 三、审议通过了《关于修订<兰州银行股份有限公司恢复计划>的议案》 会议审议通过了以下议案： 一、审议通过了《兰州银行股份有限公司 2025 年半年度报告及报告摘要》 监事会认为，本行 2025 年半年度报告及摘要的编制和审议程序符合有关法 律、行政法规和监管机构的规定，报告内容真实、准确、完整地反映了本行的实 际情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 本报告及摘要同日在巨潮资 ...

证券代码：001227 证券简称：兰州银行 公告编号：2025-038 兰州银行股份有限公司 第六届董事会第四次会议决议公告 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"）第六届董事会第四次会议通知以 电子邮件方式于 2025 年 8 月 15 日发出，会议于 2025 年 8 月 27 日以书面传签方 式召开。本次会议应出席董事 10 名，实际出席董事 10 名。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《关于调整兰州银行股份有限公司第六届董事会专门委员会 组成人员的议案》 同意根据董事人员变动情况，调整部分委员会人员，调整后的第六届董事会 各委员会组成人员名单如下： （一）战略与发展委员会 主任委员：许建平 委 员：刘 敏、张少伟、韩泽华、李 燕、李富有 （四）提名与薪酬考核委员会 主任委员：何文盛 （二）风险管理及关联交易控制委员会 主任委员：杨立勋 委 员：刘 敏、刘志军 （三）审计委员会 主任委 ...

Group 1 - The core point of the announcement is that Lanzhou Bank reported a revenue of 3.921 billion yuan for the first half of 2025, representing a year-on-year decrease of 1.86% [1] - The net profit for the same period was 975 million yuan, showing a slight year-on-year increase of 0.44% [1] - The net profit attributable to shareholders of the parent company was 952 million yuan, which is a year-on-year increase of 0.87% [1] - The basic earnings per share were reported at 0.1460 yuan, reflecting a year-on-year growth of 0.97% [1]

Financial Performance - As of June 30, 2025, Bank of Lanzhou's total assets reached CNY 509.742 billion, an increase of 4.82% from the beginning of the year[4] - For the first half of 2025, the bank achieved an operating income of CNY 3.921 billion, with a net profit attributable to shareholders of CNY 0.952 billion, representing a year-on-year increase of 0.87%[4] - Operating income for the first half of 2025 was RMB 3,920,688 thousand, a decrease of 1.86% compared to RMB 3,994,942 thousand in the same period of 2024[26] - Net profit for the first half of 2025 reached RMB 975,060 thousand, showing a slight increase of 0.44% from RMB 970,756 thousand in the first half of 2024[26] - The company's total asset scale reached 509.742 billion yuan, marking a growth of 23.457 billion yuan or 4.82% compared to the beginning of the year, officially entering the medium-sized bank category[49] - The company achieved operating income of RMB 3.92 billion in the first half of 2025, a decrease of 1.86% compared to RMB 3.99 billion in the same period of 2024[84] Asset Quality - The non-performing loan ratio was reported at 1.81%, with a provision coverage ratio of 207.89%, indicating stable asset quality[4] - The non-performing loan ratio stood at 1.81%, remaining below the regulatory limit of 5%[34] - The non-performing loan ratio improved to 1.81%, down by 0.02 percentage points from the beginning of the year[163] - The bank's loan loss provisions stood at RMB 9.98 billion, with an increase of RMB 1.70 billion during the reporting period[176] - The company reported a decrease in the proportion of substandard loans to 0.68%, down 0.34 percentage points, while the proportion of loss loans increased to 0.79%, up 0.25 percentage points[165] Customer Deposits and Loans - Customer deposits amounted to CNY 373.312 billion, reflecting a year-to-date growth of 4.81%[4] - The bank's loan and advance amounts stood at CNY 257.382 billion, growing by 4.90% year-to-date[4] - Total liabilities increased by 5.18% to RMB 473,721,440 thousand as of June 30, 2025, compared to RMB 450,395,516 thousand at the end of 2024[26] - The total loan amount as of June 30, 2025, was RMB 265.68 billion, representing a growth of 4.84% from the beginning of the year[163] - The company's personal loans and advances reached CNY 62.94 billion, representing 23.69% of total loans, with an increase of CNY 3.50 billion or 5.89% year-to-date[124] Digital Transformation and Innovation - The bank aims to enhance its asset quality, profitability, and digital transformation while focusing on a balanced development of quality, efficiency, and scale[6] - Strategic directions include lightweight, digital, and green transformations, with a focus on customer development and retail transformation[7] - The company successfully launched 19 information technology projects, enhancing its digital support capabilities[56] - The bank established a comprehensive online banking system, including mobile and video banking, to enhance customer service and feedback[50] - The bank's digital transformation initiatives included the launch of a new core system, supporting high-quality business development[76] Risk Management - The company has established a comprehensive risk management framework to address various risks, including credit and market risks[195] - The bank has developed a credit risk model and established a big data analysis monitoring platform to enhance customer entry quality and improve post-loan management efficiency[198] - The bank has strengthened investment risk control mechanisms, enhancing risk management frameworks across the asset and product lifecycle[199] - The bank conducts stress testing to analyze the potential impacts of extreme adverse scenarios on its products[200] Market Position and Recognition - The bank ranked 332nd in the "Top 1000 World Banks" list by The Banker magazine in 2025, maintaining an AAA credit rating for ten consecutive years[4] - The deposit balance in the province reached 373.312 billion yuan, with a market share of 12.02%, while the loan balance was 257.382 billion yuan, holding a market share of 10.17%[49] Strategic Initiatives - The bank plans to implement a mid-term profit distribution scheme, subject to the approval of the board of directors[13] - The company signed 22 strategic cooperation agreements with various administrative units, enhancing collaboration with government and enterprises[58] - The bank has optimized credit resource allocation, focusing on technology, green, and inclusive loans, while responding to national consumption policies with increased personal loan issuance[196]

Market Overview - On August 27, the city commercial bank sector fell by 1.48%, with Guiyang Bank leading the decline [1] - The Shanghai Composite Index closed at 3800.35, down 1.76%, while the Shenzhen Component Index closed at 12295.07, down 1.43% [1] Individual Stock Performance - Chengdu Bank closed at 18.04, up 1.01% with a trading volume of 527,700 shares and a transaction value of 958 million [1] - Guiyang Bank closed at 6.16, down 2.53% with a trading volume of 713,000 shares and a transaction value of 44.5 million [2] - Beijing Bank closed at 6.08, down 2.41% with a trading volume of 2,160,300 shares and a transaction value of 1.329 billion [2] - Jiangsu Bank had a closing price of 10.81, down 1.91% with a trading volume of 1,934,200 shares and a transaction value of 2.11 billion [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 911 million from institutional investors, while retail investors saw a net inflow of 502 million [2] - The table of capital flow indicates that Chongqing Bank had a net outflow of 36.1 million from institutional investors, while Chengdu Bank had a net inflow of 9.59 million [3] - The overall trend shows that institutional investors are withdrawing funds while retail investors are increasing their positions in certain banks [2][3]

Core Viewpoint - The article highlights the hidden risks in seemingly quality M&A projects, particularly focusing on the case of Huaming Equipment's sale of Guizhou Changzheng Electric Co., which is entangled in a complex web of debt and guarantees involving the Zhejiang "Guocheng system" capital [2][3][4]. Group 1: Company Actions and Financial Transactions - Huaming Equipment announced the sale of 100% equity in Guizhou Changzheng Electric for no more than 19.8564 million yuan, with Shanghai Xinjia and Industrial Co., Ltd. acquiring the rights for 1 million yuan [2]. - The acquisition of Guizhou Changzheng Electric by Huaming Equipment in 2018 was valued at 398 million yuan, but the company is now forced to divest at a significantly lower price due to undisclosed debt guarantees [3]. - The total amount of loans guaranteed by Guizhou Changzheng Electric and related enterprises reached 1.1 billion yuan, with the main orchestrators being the Guocheng system and the Wu brothers [2][4]. Group 2: Legal and Financial Implications - The case involves a lawsuit where Guizhou Changzheng Electric is a guarantor for a loan totaling over 270 million yuan, which was not disclosed during the acquisition [2][3]. - The loans from Lanzhou Bank to three shell trading companies amounted to 1.1 billion yuan, with Guizhou Changzheng Electric being one of the guarantors among 16 entities involved [3][4]. - The Guocheng system's involvement raises questions about the legitimacy of the loan transactions, as many of the companies involved share common ownership and contact information, indicating potential collusion [6][12]. Group 3: Background on Key Players - The Wu brothers, Wu Cheng and Wu Biao, control the Guocheng system, which has significant stakes in various companies, including Guocheng Mining [8][11]. - The Guocheng system's operational model relies on a cycle of borrowing, acquisition, and re-pledging assets, creating a fragile financial structure that could collapse under pressure [12]. - The Guocheng system's high leverage and reliance on market confidence pose risks, as any disruption could lead to a chain reaction affecting their financial stability [12].