Bank Of Lanzhou(001227)

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上市银行25Q1业绩总结:其他非息拖累盈利,息差下行压力趋缓
Dongxing Securities· 2025-05-19 07:45
Investment Rating - The report indicates a cautious outlook for the banking sector, with expected revenue and net profit growth rates for listed banks in 2025 projected at approximately -1% and 0% respectively [3][9]. Core Insights - The overall revenue and net profit growth rates for listed banks in Q1 2025 were -1.7% and -1.2% year-on-year, reflecting a decline compared to Q4 2024 [3][9]. - The performance of different types of banks varied significantly, with city and rural commercial banks leading in growth due to improved scale and net interest margin, while state-owned banks showed weaker performance [3][10]. - The net interest margin for listed banks in Q1 2025 was 1.37%, a decrease of 13 basis points year-on-year, but the decline was less severe than in the previous year [3][9]. Summary by Sections Revenue and Profit Overview - Listed banks experienced a decline in revenue and net profit growth rates, with Q1 2025 figures at -1.7% and -1.2% respectively, marking a drop of 1.8 percentage points and 3.5 percentage points from Q4 2024 [3][9]. - The decline in net interest income was attributed to a narrowing interest margin and challenges in volume compensating for price [9]. Asset Quality and Provisioning - The asset quality remained stable, with a decrease in non-performing loan ratios and a reduction in provisioning pressure, as banks continued to report lower provisions in a challenging income environment [3][9]. - The provision coverage ratio for listed banks decreased to 238% in Q1 2025, reflecting a trend of reduced provisioning amid stable asset quality [3][9]. Investment Recommendations - The report suggests that the banking sector's configuration value is enhanced by both fundamental and liquidity factors, with a focus on key index-weighted stocks such as China Merchants Bank and Industrial and Commercial Bank of China [3][9]. - The report highlights the potential for mid-sized banks to attract capital for growth, particularly in the context of capital replenishment and profitability [3][9].
A股城商行首季不良贷款率:兰州银行1年1期连续居第一
Zhong Guo Jing Ji Wang· 2025-05-18 23:35
中国经济网北京5月19日讯 日前,17家A股上市城商行的2025年一季度报告已披露完毕。从不良贷款率 表现来看,截至2025年3月末,兰州银行的不良贷款率为1.81%,居A股上市城商行之首。值得关注的 是,该行在2024年末的不良贷款率为1.83%,同样为A股上市城商行最高。 | 银行名称 | 2025年3月末不良贷款率 | 2024年末不良贷款率 | 不良贷款率变动 | | --- | --- | --- | --- | | 兰州银行 | 1.81% | 1.83% | 下降0.02个百分点 | | 郑州银行 | 1.79% | | 持平 | | 贵阳银行 | 1.66% | 1.58% | 上升0.08个百分点 | | 西安银行 | 1.61% | 1.72% | 下降0.11个百分点 | | 北京银行 | 1.30% | 1.31% | 下降0.01个百分点 | | 重庆银行 | 1.21% | 1.25% | 下降0.04个百分点 | | 上海银行 | 1.18% | | 持平 | | 长沙银行 | 1.18% | 1.17% | 上升0.01个百分点 | | 齐鲁银行 | 1.17% | 1.19% ...
[路演]兰州银行:支持科技型企业335户、贷款余额121.79亿元
Quan Jing Wang· 2025-05-16 00:04
了解更多业绩说明会详情,请点击:https://rs.p5w.net/html/146684.shtml 5月15日下午,兰州银行(001227.SZ)在全景网顺利召开2024年度暨2025年第一季度业绩说明会。兰州 银行党委书记、董事长许建平,党委副书记、董事、行长刘敏,独立董事方文彬,董事、董事会秘书张 少伟,公司业务部总经理李胜龙,计划财务部总经理高雪梅,保荐代表人曾琨杰,保荐代表人田斌等领 导嘉宾出席活动并与投资者进行实时在线交流。 对于投资者关心的兰州银行在科技金融领域取得了哪些成果?兰州银行公司业务部总经理李胜龙回答, 我行针对科技型企业"轻资产、高技术"的经营特征及区域内不同发展阶段、不同类型的中小企业需求, 设置专属产品、打造业务模型,制定分层分类的科技型企业专项信贷支持方案,全力为科技型企业提供 全周期综合金融服务。通过组建专业团队,积极对接各类高新技术企业、专精特新企业、科技型中小企 业等,聚焦解决科创企业发展的痛点难点;并结合地方产业发展方向与政策导向,通过设置专属产品、 打造业务模型,实施"一户一策,精准扶持",多措并举制定分层分类的科创企业专项信贷支持方案,帮 助科创企业破解融资难题 ...
[路演]兰州银行:积极面对房地产周期调整 促进金融与房地产良性循环
Quan Jing Wang· 2025-05-16 00:04
了解更多业绩说明会详情,请点击:https://rs.p5w.net/html/146684.shtml 对于投资者关心的兰州银行如何面对房地产周期带来的影响,未来如何调整贷款产品结构?兰州银行公 司业务部总经理李胜龙回答,我行积极面对房地产周期调整,一是深入贯彻落实国家相关决策部署,按 照市场化、法制化原则,保障房地产行业平稳健康发展,促进金融与房地产良性循环,金融支持房地产 市场止跌回稳。持续加强统筹跟踪协调,梳理细化任务措施,推动各项政策措施扎实落地,全力支持房 地产项目合理融资需求。二是跟进收购已建成存量住房用作保障性租赁住房项目。积极对接当地住建部 门,营销国有企业收购主体在我行开户,并积极对接营销已入库的优质保障性住房收购贷款需求。同时 根据政策要求,地方国有企业获得的贷款资金,要单列账目、单独核算,确保专款专用、封闭管理,关 注项目是否为我行存量房地产开发贷款,做好贷款置换工作,确保我行项目贷款安全,还款来源不流 失。三是充分发挥经营性物业贷款作用,满足房地产企业合理融资需求。选择优质项目形成的成熟物 业,跟进营销企业合理的融资需求,同时发挥经营性物业贷款用途灵活的优势,置换项目法人为建设物 业 ...
兰州银行(001227) - 2025年5月15日投资者关系活动记录表
2025-05-15 13:03
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:2025-01 | | □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) | | 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 地点 | 2025 年 5 月 15 日下午 全景网"投资者关系互动平台"(http://ir.p5w.net) | | 上市公司接待 | 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、行长刘敏 | | | 3.兰州银行 独立董事方文彬 | | | 4.兰州银行 董事、董事会秘书张少伟 | | 人员姓名 | 5.兰州银行 公司业务部总经理李胜龙 | | | 6.兰州银行 计划财务部总经理高雪梅 | | | 保荐代表人曾琨杰 7.中信建投 | | | 保荐代表人田斌 8.中信建投 | | 投资者关系活动主 | 1.今年是贵行战略规划 ...
兰州银行召开业绩说明会 经营业绩稳步提升,上市以来累计分红预计23.98亿
Quan Jing Wang· 2025-05-15 12:54
对于今后发展,许建平表示,兰州银行将坚守"金融为民"的初心使命,以更饱满的热情、更昂扬的斗 志,抢抓机遇、乘势而上,以稳健经营筑牢发展根基,以创新服务赋能实体经济,以责任担当回馈社会 关切,以长效回报践行"客户至上、股东为本"的价值追求,不负时代机遇,不负社会各界信任。让兰州 银行携手并进,以更坚定的步伐、更坚实的成果,共同谱写金融为民、服务发展的新篇章。 5月15日下午,兰州银行(001227)(001227.SZ)在全景网顺利召开2024年度暨2025年第一季度业绩说 明会。兰州银行党委书记、董事长许建平,党委副书记、董事、行长刘敏,独立董事方文彬,董事、董 事会秘书张少伟,公司业务部总经理李胜龙,计划财务部总经理高雪梅,保荐代表人曾琨杰,保荐代表 人田斌等领导嘉宾出席活动并与投资者进行实时在线交流。 兰州银行党委书记、董事长许建平在致辞中表示,2024年和2025年第一季度,兰州银行持续秉承审慎稳 健经营理念,积极响应国家政策,紧密围绕服务地方经济发展、履行社会责任、提升投资者回报等关键 任务,砥砺奋进,克服重重困难挑战,取得了好于预期的成绩。 从经营业绩看,兰州银行的经营业绩稳步提升,发展动能强劲有力 ...
净利润五连增+现金股利5.75亿 兰州银行资产破4900亿背后的西北金融样本
Sou Hu Cai Jing· 2025-05-14 02:57
Financial Performance - In 2024, the company achieved an operating income of 7.854 billion yuan and a net profit attributable to shareholders of 1.888 billion yuan, representing a year-on-year growth of 1.29% [1] - As of March 2025, the company's asset scale exceeded 490 billion yuan, with a growth of 1.32% since the beginning of the year [1] - The company issued loans and advances totaling 262.99 billion yuan, marking a 7.18% increase, the largest growth in five years [1] Asset Quality and Stability - As of the end of 2024, the company reported a non-performing loan ratio of 1.83% and a provision coverage ratio of 201.60%, indicating stable asset quality [2] - The total assets reached 486.285 billion yuan by the end of 2024, with a year-on-year growth of 7.25% [2] Green Finance Initiatives - The company has actively engaged in green finance, providing loans for carbon reduction projects, with a total of 62.1046 million yuan disbursed, leading to a carbon reduction of 8,492.85 tons [4] - By the end of 2024, the balance of green loans reached 15.218 billion yuan, reflecting a net increase of 2.452 billion yuan, a growth rate of 19.21% [4] Inclusive Finance Strategy - The company focuses on inclusive finance, targeting small and micro enterprises, with a total of 9,076 small micro loan accounts and a balance of 13.794 billion yuan, which increased by 1.202 billion yuan, a growth rate of 9.55% [6] - In 2024, the company issued 2.31 billion yuan in small micro loans through various online products, enhancing accessibility for small businesses [6] Support for Local Economic Development - The company has supported 508 provincial key projects with a total credit of 30.56 billion yuan, focusing on infrastructure, agriculture, and environmental projects [8] - The company has also emphasized the development of the manufacturing sector, with a total manufacturing loan balance of 21.165 billion yuan, reflecting a net increase of 1.681 billion yuan [9] Conclusion - The company's annual report data illustrates a stable operational picture and highlights the effective implementation of financial supply-side reforms in the northwest region, showcasing the synergy between green finance and inclusive finance [10]
银行业本周聚焦:2024年末,42家上市银行的债券投资对业绩贡献度如何?
GOLDEN SUN SECURITIES· 2025-05-11 10:23
Investment Rating - The report maintains an "Increase" rating for the banking sector [5] Core Insights - The report highlights that by the end of 2024, the bond investments of 42 listed banks significantly contributed to their performance, particularly due to the continuous decline in bond market interest rates, with a cumulative drop of 88 basis points in the 10-year government bond yield [1] - The report emphasizes the substantial floating profits accumulated in the FV-OCI financial assets due to fair value changes, which banks have utilized to support their performance through timely disposals of financial assets [1][4] - The report identifies that the floating profits from FV-OCI assets are particularly significant for certain city commercial banks and rural commercial banks, with some banks showing floating profit to profit ratios exceeding 100% [2][3] Summary by Sections 1. FV-OCI Floating Profit Situation - State-owned banks dominate the floating profit scale, with China Construction Bank and Agricultural Bank of China exceeding 50 billion yuan in floating profits by the end of 2024 [1] - City and rural commercial banks show high ratios of FV-OCI floating profits to profits, with Lanzhou Bank reaching 126.9% [2] - The contribution of FV-OCI floating profits to core Tier 1 capital is significant for several city and rural commercial banks, with notable increases year-on-year [3] 2. Financial Asset Disposal Income Situation - In 2024, listed banks disposed of AC financial assets generating a total income of 50.29 billion yuan, an increase of 82.5% year-on-year, and FV-OCI financial assets generating 85.36 billion yuan, an increase of 134.4% year-on-year, leading to a total disposal income of 135.6 billion yuan [4][8] - The report notes that while the disposal income is significant, it does not imply a substantial increase in the scale of asset disposals, as the gains are influenced by the declining interest rates in the bond market [4] 3. Sector Outlook - The report suggests that while short-term impacts from tariff policies may affect exports, long-term domestic policies aimed at stabilizing real estate, promoting consumption, and enhancing social welfare are expected to support economic growth [9] - The banking sector is anticipated to benefit from policy catalysts, with specific banks like Ningbo Bank, Postal Savings Bank, and China Merchants Bank highlighted as potential investment opportunities [9]
兰州银行股份有限公司关于高级管理人员任职资格获核准的公告
Shang Hai Zheng Quan Bao· 2025-05-05 20:00
Group 1 - The core announcement is regarding the approval of the qualifications of senior management personnel at Lanzhou Bank, including the appointment of Liu Min as the president and the approval of vice presidents Li Tao, Han Jiajun, and Sheng Baihan [1][2][3] - The bank emphasizes the authenticity and completeness of the announcement, ensuring there are no false records or misleading statements [1] - The bank's board of directors has confirmed the receipt of approvals from the Gansu Regulatory Bureau of the National Financial Supervision Administration [1] Group 2 - Lanzhou Bank will hold a performance briefing for the 2024 annual report and the first quarter of 2025 on May 15, 2025, from 15:00 to 16:00 [4] - The briefing will be conducted via video live streaming and online interaction, allowing investors to participate through the "Panorama Roadshow" platform [4][6] - Key attendees at the briefing will include Chairman Xu Jianping, President Liu Min, and other management personnel [6][7]
兰州银行(001227) - 兰州银行股份有限公司关于高级管理人员任职资格获核准的公告
2025-05-05 07:45
证券代码:001227 证券简称:兰州银行 公告编号:2025-027 兰州银行股份有限公司 兰州银行股份有限公司董事会 2025 年 4 月 30 日 1 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。 近日,兰州银行股份有限公司(以下简称"本行")收到《国家金融监督管理 总局甘肃监管局关于刘敏兰州银行股份有限公司行长任职资格的批复》(甘金监 行许〔2025〕126 号)、《国家金融监督管理总局甘肃监管局关于李涛兰州银行 股份有限公司副行长任职资格的批复》(甘金监行许〔2025〕125 号)、《国家 金融监督管理总局甘肃监管局关于韩佳峻兰州银行股份有限公司副行长任职资 格的批复》(甘金监行许〔2025〕127 号)、《国家金融监督管理总局甘肃监管 局关于盛柏涵兰州银行股份有限公司副行长任职资格的批复》(甘金监行许〔2025〕 124 号),已核准刘敏先生本行行长任职资格以及李涛先生、韩佳峻先生、盛柏 涵先生本行副行长任职资格。 刘敏先生、李涛先生、韩佳峻先生、盛柏涵先生的简历详见本行 2025 年 4 月 28 日在巨潮资讯网(http://www.cninfo ...