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兰州银行(001227) - 兰州银行股份有限公司关于召开2024年度暨2025年第一季度业绩说明会的公告
2025-05-05 07:45
证券代码:001227 证券简称:兰州银行 公告编号:2025-028 兰州银行股份有限公司关于召开 2024 年度暨 2025 年第一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2025年4月28日在巨潮资讯网 (http://www.cninfo.com.cn)披露了2024年年度报告和2025年第一季度报告。 为加强与投资者的沟通交流,便于广大投资者更全面、深入地了解本行情况, 本行定于2025年5月15日以视频直播和网络互动方式举行2024年度暨2025年第一 季度业绩说明会。现将有关事项公告如下: 一、会议时间 2025 年 5 月 15 日(星期四)15:00-16:00 二、会议方式 1 上,在信息披露允许的范围内对投资者普遍关注的问题进行回答。 如有疑问,可通过本通知后附的电话或电子邮箱联系本行。 四、本行出席人员 出席本次说明会的人员有:董事长许建平先生、行长刘敏先生、董事会秘书 张少伟先生以及部分管理人员、保荐代表人和独立董事代表。如有特殊情况,参 加人员可能会有调整。 五、联 ...
企业培训 | 未可知 x 兰州银行:银行AI办公提效课程
Core Viewpoint - The lecture by Zhang Ziming, Vice President of the Unknown AI Research Institute, highlighted the significant role of AI in enhancing banking efficiency and facilitating digital transformation in banks, particularly through the use of AI prompts and applications [1][8]. Group 1: AI Applications in Banking - AI can quickly generate structured and content-rich documents such as work reports and meeting notifications, saving considerable time and effort for bank staff [2]. - AI can assist in creating PowerPoint presentations by generating outlines and selecting templates, improving both efficiency and design consistency [2]. - AI can accurately understand user needs in Excel data processing, generating formulas and visual charts to support data analysis and decision-making [2]. Group 2: Interactive Experience and AIGC - Employees at Lanzhou Bank experienced AI capabilities firsthand through interactive sessions, including AI-generated images and text, which enhanced their understanding of AI's potential [4]. - The development and application of AIGC (Artificial Intelligence Generated Content) were discussed, emphasizing its focus on generating new content across various media compared to traditional decision-making AI [4]. Group 3: Case Studies and Challenges - Successful case studies from banks like Guangfa Bank and Industrial and Commercial Bank of China were shared, showcasing how AIGC improved customer service efficiency and report generation [6]. - Challenges in implementing AIGC in banking were identified, including data quality issues, talent shortages, and the high costs of training specialized models [6][7]. Group 4: Future Prospects and Collaboration - Despite challenges, the future application of AIGC in banking remains promising, with a call for strategic transformation and comprehensive planning to overcome obstacles [8]. - The Unknown AI Research Institute aims to strengthen collaboration with financial institutions to explore innovative applications of AI in the financial sector, contributing to high-quality development [12].
[快讯]兰州银行:2025年第一季度营收净利双增长 资产规模突破4900亿大关
Quan Jing Wang· 2025-04-30 09:38
Core Insights - Lanzhou Bank reported a revenue of 2.037 billion yuan for Q1 2025, a year-on-year increase of 3.26%, and a net profit of 559 million yuan, up 2.36% from the previous year [1] - The bank's total assets exceeded 490 billion yuan, reaching 492.69 billion yuan, with a growth of 1.32% since the beginning of the year [1] - The bank's loan issuance increased by 7.18% to 262.99 billion yuan, marking the largest growth in five years [1] Financial Performance - The bank's investment income showed significant growth, and asset quality was well-managed, with a non-performing loan ratio of 1.81%, down 0.02 percentage points from the beginning of the year [1] - The provision coverage ratio stood at 200.16%, and the cost-to-income ratio was 29.67% [1] Business Strategy - The bank is focusing on key areas such as private enterprises, major projects, real estate, and syndicate mergers and acquisitions to drive growth [2] - Efforts are being made to optimize deposit structures and manage interest rates to reduce costs [2] Corporate Banking - The bank supported 473 technology enterprises with a loan balance of 15.786 billion yuan, an increase of 29.62% since the beginning of the year [2] - Green loan balance reached 15.531 billion yuan, with a net increase of 3.13 billion yuan, reflecting a growth of 2.06% [2] Retail Banking - The total financial assets of personal customers reached 296.73 billion yuan, with an increase of 1.73% since the beginning of the year [3] - The bank launched various marketing activities to boost personal loans, resulting in a new mortgage issuance of 1.004 billion yuan [3] Inclusive Finance - The balance of inclusive small and micro loans was 14.698 billion yuan, with a growth rate of 6.55% [4] - The average interest rate for inclusive small and micro loans decreased by 44 basis points to 4.65% [4]
[年报]兰州银行:金融赋能,稳健前行2024年净利润18.88亿元
Quan Jing Wang· 2025-04-30 09:12
Core Viewpoint - Lanzhou Bank reported stable financial performance in 2024, with a slight increase in net profit and a solid asset quality, while focusing on enhancing operational efficiency and supporting local economic development [1][2][3]. Financial Performance - In 2024, Lanzhou Bank achieved total operating income of 7.854 billion yuan and net profit attributable to shareholders of 1.888 billion yuan, representing a year-on-year growth of 1.29% and 0.56% respectively [1]. - The bank's total assets reached 486.285 billion yuan, a year-on-year increase of 7.25%, with total loans and advances amounting to 245.369 billion yuan, up 3.07% [1]. - The non-performing loan ratio stood at 1.83%, with a provision coverage ratio of 201.6%, reflecting a 4.09 percentage point increase from the beginning of the year [1][3]. Market Position - Lanzhou Bank maintained a stable market share in Gansu Province, with a deposit market share of 12.30% and a loan market share of 9.95%, ranking first and second in the province respectively [2]. - The bank has over 6.75 million customers, indicating strong brand recognition and support from the local community [2]. Customer Growth - The bank expanded its customer base significantly, adding 19,200 corporate settlement clients and 1180 corporate credit clients, along with 200,300 personal asset under management clients [3]. Asset Quality - The bank's asset quality remained stable, with a non-performing loan ratio of 1.83% and a provision coverage ratio exceeding 200% for the first time [3]. Strategic Initiatives - Lanzhou Bank is focusing on four key areas: risk reduction, innovation, market expansion, and strengthening its foundation to enhance operational efficiency [2][4]. - The bank is committed to supporting the local economy through targeted lending, including a 27.45% increase in loans to high-end manufacturing [5]. Social Responsibility - The bank is actively promoting inclusive finance, with microfinance loans reaching 13.794 billion yuan and agricultural loans exceeding 20 billion yuan [6]. - Initiatives such as the "Lanzhou Women's Loan" aim to support female entrepreneurs and contribute to rural revitalization [6].
兰州银行:一季度实现“开门红” 盈利韧性逐步凸显
Core Insights - Lanzhou Bank reported a stable growth in asset scale and profitability for Q1 2025, with total assets exceeding 492.69 billion yuan, operating income of 2.037 billion yuan, and net profit of 572 million yuan, reflecting a year-on-year increase of 3.26% and 2.15% respectively [1] - The bank's non-performing loan ratio slightly decreased to 1.81%, and it achieved a significant increase in loan issuance, with a growth rate of 7.18%, the highest in five years [1] Financial Performance - Total assets reached 492.69 billion yuan, marking a significant milestone [1] - Operating income was 2.037 billion yuan, up 3.26% from the previous year [1] - Net profit stood at 572 million yuan, reflecting a 2.15% increase year-on-year [1] - The net interest margin improved to 1.46%, an increase of 0.03 percentage points [1] Business Development - Lanzhou Bank is focusing on financial support for technology innovation, advanced manufacturing, and green development, aligning with regional economic characteristics [2] - The bank has implemented a "容缺" acceptance mechanism for major projects and adopted a parallel processing model to enhance project approval efficiency [2] Customer Acquisition and Efficiency - The bank is expanding its corporate client base through targeted marketing strategies, including promotional activities for new registered enterprises [2] - Efforts are being made to improve online appointment services for account openings and to focus on key customer segments [2] Future Outlook - Lanzhou Bank aims to enhance quality and efficiency while adapting to changes in the operating environment, contributing to the development of the real economy and financial market stability [2]
【财经早报】301323,拟重大资产重组;拟10派50元,又见大额分红
Group 1: Economic Indicators - In the first quarter, the total profit of industrial enterprises above designated size reached 150.936 billion yuan, a year-on-year increase of 0.8% [4] - The Ministry of Commerce and six other departments announced an optimization of the departure tax refund policy, raising the cash refund limit to 20,000 yuan [4][6] Group 2: Company Earnings - Gujing Gongjiu reported a net profit of 5.517 billion yuan for 2024, a year-on-year increase of 20.22%, and proposed a dividend of 50 yuan per 10 shares [8] - Gree Electric reported a net profit of 32.185 billion yuan for 2024, a year-on-year increase of 10.91%, and proposed a dividend of 20 yuan per 10 shares [8] - Luzhou Laojiao reported a net profit of 13.473 billion yuan for 2024, a year-on-year increase of 1.71%, and proposed a dividend of 45.92 yuan per 10 shares [8] - Yake Technology reported a net profit of 872 million yuan for 2024, a year-on-year increase of 50.41%, and proposed a dividend of 2.6 yuan per 10 shares [8] - Yunda Holdings reported a net profit of 1.914 billion yuan for 2024, a year-on-year increase of 17.77%, and proposed a dividend of 2 yuan per 10 shares [8] Group 3: Significant Corporate Announcements - National City Mining reported a net profit of 612 million yuan for the first quarter of 2025, a year-on-year increase of 18,279.65%, primarily due to increased investment income from the sale of subsidiaries [9] - Zhenghe Ecology signed a strategic cooperation agreement with Yanshan (Hebei) Cultural Tourism Development Group, planning a total investment of 2 billion yuan for a tourism integration project [9] - New Life Fortune announced plans to issue shares and pay cash to acquire 100% of Guangzhou Jinnan Magnetic Materials, which is expected to constitute a major asset restructuring [9] - Chengdi Xiangjiang announced that its subsidiary won a bid for a project with a contract value of 1.632 billion yuan, with a construction period of 92 days [10]
晚间公告丨4月27日这些公告有看头
Di Yi Cai Jing· 2025-04-27 12:05
4月27日晚间,沪深两市多家上市公司发布公告,以下是第一财经对一些重要公告的汇总,供投资者参 考。 【品大事】 海源复材:公司股票自4月29日起实行退市风险警示 海源复材(002529)晚间公告,公司股票将于2025年4月28日停牌一天,自4月29日起被实行"退市风险警 示"特别处理,股票简称变更为"*ST海源",日涨跌幅限制为5%。 新莱福:拟购买金南磁材100%股份 股票28日复牌 新莱福(301323)晚间公告,公司拟筹划发行股份及支付现金购买广州金南磁性材料有限公司(简称"金 南磁材")100%股份并募集配套资金暨关联交易事项,本次交易预计构成重大资产重组。公司股票将于 2025年4月28日开市起复牌。本次交易完成后,公司将通过整合金南磁材在永磁材料、软磁材料及PM粉 末冶金领域的核心技术优势,实现业务边界的战略性拓展与产业链深度协同。 红宝丽:子公司聚氨酯公司聚醚技术改造项目试生产成功 红宝丽(002165)晚间公告,子公司聚氨酯公司聚醚技术改造项目已建设完工并试生产成功,产出单体聚 醚、组合聚醚和特种聚醚合格产品。 星光股份:公司及相关人员收到广东证监局警示函 星光股份(002076)晚间公告,公 ...
兰州银行(001227) - 内部控制审计报告
2025-04-27 08:07
兰州银行股份有限公司 内控审计报告 大信审字[2025]第 9-00416 号 大信会计师事务所(特殊普通合伙) WUYIGE CERTIFIED PUBLIC ACCOUNTANTS LLP. 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台(http://acc.mof.gov.cn】 0春路1号 1 22 月 2206 WUYIGE Certified Public Accountants I I F Room 2206 22/F. Xuevuan International Tower No.1 Zhichun Road, Haidian Dist Beijing. China. 100083 内部控制审计报告 大信审字[2025]第 9-00416 号 兰州银行股份有限公司全体股东: 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求,我们审计了兰州 银行股份有限公司(以下简称兰州银行)2024年12月31日的财务报告内部控制的有效性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指引》的 规定,建立健全和有效实施内部控制, ...
兰州银行(001227) - 年度关联方资金占用专项审计报告
2025-04-27 08:07
UK 4 100083 WUYIGE Certified Public Accountants II P 春路 1 号 15/F, Xueyuan International Tower No. 1 Zhichun Road, Haidian Dist. Beijing, China, 100083 大信会计师事务所(特殊普通合伙) WUYIGE CERTIFIED PUBLIC ACCOUNTANTS LLP. 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台(http://acc.mof.gov.cn) 兰州银行股份有限公司 控股股东及其他关联方占用 资金情况审核报告 大信专审字[2025]第 9-00020 号 Kk til- Infornot. +86 (10) 82327668 www.daxincna.com_cn 控股股东及其他关联方占用资金情况审核报告 大信专审字[2025]第 9-00020 号 兰州银行股份有限公司全体股东: 我们接受委托,审计了兰州银行股份有限公司(以下简称"兰州银行")的财务报表,包 括 2024 年 12 月 31 日的合并及银行资产负债表,2024 年度的合 ...
兰州银行(001227) - 2024年年度审计报告
2025-04-27 08:07
兰州银行股份有限公司 审 计 报 告 大信审字[2025]第 9-00378 号 大信会计师事务所(特殊普通合伙)_ WUYIGE CERTIFIED PUBLIC ACCOUNTANTS LLP. 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台(http://zfc.gzf.gov.cn)"划行 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台(http://z 报告编码:京26YX0NG8R 22 层 2206 WUYIGE Certified Public Accountants.LLP Room 2206 22/F Xuevuan International Tower No.1 Zhichun Road,Haidian Dist. Beijing, China, 100083 审计报告 大信审字[2025]第 9-00378 号 兰州银行股份有限公司全体股东: 一、审计意见 我们审计了兰州银行股份有限公司(以下简称"兰州银行")财务报表,包括 2024 年 12 月 31 日的合并及银行资产负债表,2024年度的合并及银行利润表、合并及银行现金流量表、 合并及银行股东权益变动表,以 ...