Core Insights - The recent disclosure evaluation results for listed banks in China for the 2024-2025 period show that all listed banks received ratings of B or above, with 22 banks rated A, indicating a strong performance in information disclosure [1] Summary by Category Overall Ratings - All listed banks achieved a rating of B or higher, with 22 banks rated A, reflecting consistent performance compared to the previous year [1] - Only six banks experienced rating changes, with five banks improving their ratings and one bank, Shanghai Bank, experiencing a downgrade [1] Banks with Rating Changes - The following banks improved their ratings: - Zhangjiagang Bank - Hangzhou Bank - Huaxia Bank - Everbright Bank - Zhejiang Commercial Bank [1] - Shanghai Bank was the only bank to see a downgrade in its rating [1] Detailed Ratings - A selection of banks and their ratings includes: - Ping An Bank: A - Ningbo Bank: A - Agricultural Bank of China: A - Industrial and Commercial Bank of China: A - Shanghai Bank: B (downgraded) [2]

Core Insights - Lanzhou Bank (001227) closed at 2.4 yuan on October 31, 2025, with no change in price, a turnover rate of 1.36%, a trading volume of 574,100 shares, and a transaction value of 138 million yuan [1] Fund Flow Analysis - On October 31, 2025, the net inflow of main funds was 3.07 million yuan, accounting for 2.23% of the total transaction value, while retail funds had a net outflow of 263,300 yuan, representing 0.19% of the total transaction value [1][2] - Over the past five days, the fund flow showed fluctuations, with the highest net inflow of main funds recorded on October 29 at 6.59 million yuan, and the largest net outflow of retail funds on October 30 at 576.67 million yuan [2] Company Performance Metrics - As of the third quarter of 2025, Lanzhou Bank reported a total market value of 13.67 billion yuan, with a net asset value of 40.82 billion yuan and a net profit of 1.504 billion yuan [3] - The bank's key performance indicators include a price-to-earnings ratio of 6.82, a price-to-book ratio of 0.45, and a return on equity (ROE) of 4.27%, which ranks it 42nd in the banking industry [3] - For the first three quarters of 2025, the bank's main revenue was 5.923 billion yuan, a year-on-year decrease of 2.14%, while the net profit increased by 0.65% to 1.504 billion yuan [3] Business Overview - Lanzhou Bank's main business activities include accepting public deposits, issuing loans, handling domestic settlements, and engaging in various financial services such as foreign exchange and fund sales [3]

Core Viewpoint - Lanzhou Bank has demonstrated a stable and positive operational development in the first three quarters of 2025, focusing on efficiency, reform, and risk control, achieving significant growth in key financial metrics [1][2]. Financial Performance - In the first three quarters of 2025, Lanzhou Bank reported operating income of 5.923 billion yuan and a net profit attributable to shareholders of 1.504 billion yuan, reflecting a year-on-year increase of 0.65% [1]. - The bank's total assets reached 523.36 billion yuan, a growth of 7.62% compared to the end of the previous year, while total liabilities increased by 7.14% to 482.543 billion yuan [1]. - Loans and advances amounted to 260.471 billion yuan, up 6.15%, and deposits reached 378.251 billion yuan, growing by 6.2% [1]. Asset Quality and Risk Management - Lanzhou Bank improved its asset-liability management, resulting in a significant decrease in the deposit interest rate by 29 basis points, with a net interest margin of 1.38%, up by 1 basis point from June [2]. - The non-performing loan ratio decreased to 1.8%, down by 0.03 percentage points from the beginning of the year, indicating a healthy trend in asset quality [2]. - The bank's focus on technology integration in risk monitoring has enhanced its risk resistance capabilities [2]. Targeted Lending and Sector Focus - The bank has tailored its marketing strategies based on regional resources and industries in Gansu Province, achieving a green loan balance of 18.197 billion yuan, which meets the strategic goal of 10% of corporate loans, with a growth rate of 25.91% [2]. - Support for technology enterprises reached 5.134 billion yuan, with a growth rate of 40.79%, while loans to private enterprises totaled 73.655 billion yuan, increasing by 3.72% [2]. - New financing for major provincial and municipal projects amounted to 8.029 billion yuan, and supply chain financing increased by 5.235 billion yuan [2]. Inclusive Finance and Retail Banking - Lanzhou Bank has made strides in serving small and micro enterprises, with inclusive small and micro loans reaching 15.789 billion yuan, a growth of 14.46%, and an average interest rate of 4.5%, down by 59 basis points [3]. - Agricultural loans totaled 21.723 billion yuan, with a growth rate of 8.1%, and inclusive agricultural loans reached 3.728 billion yuan, increasing by 23.24% [3]. - In retail banking, the bank's total assets under management (AUM) for individual clients reached 303.833 billion yuan, up by 4.51% [3].

Core Viewpoint - Lanzhou Bank, established in 1998 and listed in 2022, operates as a city commercial bank in Gansu Province, providing diversified financial services including traditional banking, foreign exchange, fund sales, and precious metals trading [1] Group 1: Financial Performance - As of Q3 2025, Lanzhou Bank reported revenue of 5.923 billion, ranking 16th in the industry, significantly lower than Jiangsu Bank's 67.183 billion and Ningbo Bank's 54.976 billion, as well as below the industry average of 23.652 billion and median of 11.740 billion [2] - The bank's net profit for the same period was 1.543 billion, placing it 17th in the industry, far behind Jiangsu Bank's 31.895 billion and Ningbo Bank's 22.578 billion, and also below the industry average of 10.212 billion and median of 5.196 billion [2] Group 2: Financial Ratios - Lanzhou Bank's debt-to-asset ratio was 92.20% in Q3 2025, a decrease from 92.79% year-on-year and lower than the industry average of 92.63%, indicating relatively good debt repayment capability [3] - The bank's gross profit margin was 25.45% in Q3 2025, down from 26.77% year-on-year and significantly below the industry average of 45.51%, suggesting a need for improvement in profitability [3] Group 3: Management and Shareholder Information - The chairman, Xu Jianping, received a salary of 1.3502 million in 2024, a decrease of 10,200 from 2023 [4] - As of September 30, 2025, the number of A-share shareholders increased by 5.36% to 101,500, while the average number of circulating A-shares held per shareholder decreased by 5.07% to 41,500 [5]

Core Points - Lanzhou Bank announced the resignation of its chairman of the supervisory board, Mr. Zhou Wei, due to work adjustments, effective immediately upon receipt of the resignation report by the supervisory board [2] Company Summary - Lanzhou Bank's supervisory board received a written resignation report from Mr. Zhou Wei, who is stepping down from his position as chairman [2] - The resignation is attributed to personal work adjustments, indicating a potential shift in the bank's governance structure [2] - The effective date of the resignation is stated to be immediately after the report is received by the supervisory board [2]

Core Viewpoint - Lanzhou Bank announced the resignation of its supervisor chairman, Zhou Wei, due to work adjustments, effective immediately upon receipt of the resignation report by the supervisory board [1] Summary by Sections - **Resignation Announcement** - Zhou Wei submitted a written resignation report to the supervisory board on October 30 [1] - The resignation is effective immediately upon receipt of the report [1] - **Reason for Resignation** - Zhou Wei cited work adjustments as the reason for his resignation [1] - **No Disagreements** - Zhou Wei confirmed that there are no disagreements with the supervisory board and no need to notify shareholders or creditors regarding his resignation [1]

证券代码：001227 证券简称：兰州银行 公告编号：2025-047 关于召开 2025 年第一次临时股东大会的通知 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。 一、召开会议的基本情况 1、股东大会届次：2025 年第一次临时股东大会 兰州银行股份有限公司 2、股东大会的召集人：董事会 3、会议召开的合法、合规性：本次会议的召集、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》《深圳证券交易所上市公司自律 监管指引第 1 号——主板上市公司规范运作》等法律、行政法规、部门规章、 规范性文件及《公司章程》的有关规定。 4、会议时间 （1）现场会议时间：2025 年 11 月 18 日 15:00 （2）网络投票时间：通过深圳证券交易所系统进行网络投票的具体时间为 2025 年 11 月 18 日 9:15-9:25，9:30-11:30，13:00-15:00；通过深圳证券交易所互 联网投票系统投票的具体时间为 2025 年 11 月 18 日 9:15 至 15:00 的任意时间。 （2）本行董事、监事和高级管理人员 （3）本行聘请的律师 （ ...

兰州银行股份有限公司 2025 年第一次临时股东大会 会议材料 （股票代码：001227） 二◯二五年十一月 2025 年第一次临时股东大会会议材料 会议议程 召开时间：2025 年 11 月 18 日（星期二）下午 15:00 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： 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； 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； 七、与会代表休息（工作人员统计投票结果）； 十、宣布会议结束。 八、宣布现场表决结果； 九、见证律师宣读法律意见书； 2025 年第一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"）股东大会顺利进行，根据《中华人民共 和国公司法》《上市公司股东大会规则》《兰州银行股份有 限公司章程》（以下简称"本行《章程》"）及《兰州银行股 份有限公司股东大会议事规则》 ...

证券代码：001227 证券简称：兰州银行 公告编号：2025-045 兰州银行股份有限公司 第六届监事会第五次会议决议公告 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。 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。 三、审议通过了《关于不再设立监事会的议案》 本行不再设立监事会，由董事会审计委员会承接监事会职权；监事会下设的 各专门委员会同步撤销；监事会相关公司治理文件相应废止；现任监事不再担任 本行监事。 兰州银行股份有限公司（以下简称"本行"）第六届监事会第五次会议通知以 电子邮件方式于 2025 年 10 月 20 日发出，会议于 2025 年 10 月 30 日以现场结合 视频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、陈忆君监事以视频方式参 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 ...

证券代码：001227 证券简称：兰州银行 公告编号：2025-044 兰州银行股份有限公司 第六届董事会第五次会议决议公告 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"）第六届董事会第五次会议通知以 电子邮件方式于 2025 年 10 月 20 日发出，会议于 2025 年 10 月 30 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、部分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》（以下简称《公司章程》）的规 定，合法有效。 本议案表决结果：同意 10 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章程〉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 年第三季度报告》 本议案已经本行董 ...