兰州银行上半年净利润9.52亿元 资产规模突破5000亿元大关

Core Viewpoint - Lanzhou Bank aims for "high-quality development" with a focus on five key tasks: expanding investment, reducing costs, strengthening customer base, controlling risks, and optimizing incentives, resulting in significant operational growth and improved efficiency [1][2] Financial Performance - In the first half of 2025, Lanzhou Bank achieved operating income of 3.921 billion yuan and net profit attributable to shareholders of 952 million yuan, a year-on-year increase of 0.87% [1] - The bank's asset scale reached 509.742 billion yuan, a year-on-year growth of 4.82%, marking its entry into the medium-sized bank category [1] Market Position - Lanzhou Bank maintained a stable market share in Gansu Province, with a deposit market share of 12.02% and total deposits of 373.312 billion yuan, ranking first in the province [1] - The loan market share in Gansu Province was 10.17%, with a total loan and advance balance of 257.382 billion yuan, maintaining the second position in the province [1] Cost Management - The bank successfully mitigated asset yield pressure by optimizing its liability structure and reducing interest costs, with a deposit interest rate decrease of 25 basis points since the beginning of the year [2] - The cost-to-income ratio fell to 29.93%, a decrease of 1.37 percentage points from the beginning of the year, indicating ongoing improvements in operational efficiency [2] Support for Local Economy - Lanzhou Bank actively engaged in financing major provincial and municipal projects, with new investments totaling 7.05 billion yuan during the reporting period [2] - The bank supported the manufacturing sector's transition to high-end, intelligent, and green development, with a manufacturing loan balance of 23.623 billion yuan, an increase of 11.61% [2] Green Finance Initiatives - The bank has prioritized "green finance" as one of its three strategic directions, with a green loan balance of 16.559 billion yuan, reflecting a year-on-year increase of 14.58% [3] - Lanzhou Bank issued 2 billion yuan in technology innovation bonds in August, supporting the transformation of traditional industries and the cultivation of emerging industry clusters [3] Digital Transformation - The bank is advancing its digital transformation, launching new core system projects while ensuring the stability of its information systems [4] - Plans for the second half of the year include expanding credit investments and enhancing risk management while focusing on customer development and management innovation [4]