调研速递|兰州银行接受多家机构调研，透露多项关键数据与发展要点

Core Insights - Lanzhou Bank's total assets have surpassed 500 billion yuan, marking its entry into the medium-sized bank category, reflecting enhanced capital strength and market position [2] - The bank has effectively managed liquidity and reduced liability costs, with a liquidity ratio of 72.61% and a decrease in interest expenses on deposits [3] - The bank is actively engaged in various sectors, offering specialized financial services and supporting private enterprises and green finance initiatives [4] - Asset quality remains stable with a non-performing loan ratio of 1.81% and a provision coverage ratio of 207.89%, while the bank is focused on improving its stock price [5] Group 1: Asset Scale - As of June 30, 2025, Lanzhou Bank's total assets reached 509.742 billion yuan, a growth of 4.82% from the beginning of the year, officially entering the medium-sized bank category [2] Group 2: Liquidity and Cost Management - The liquidity ratio stood at 72.61% as of June 30, 2025, showing slight improvement and stability [3] - The bank has successfully reduced the deposit interest rate by 25 basis points and the cost of interest-bearing liabilities by 27 basis points compared to the beginning of the year [3] Group 3: Diverse Financial Services - Lanzhou Bank has launched various unique products during the Lanzhou Marathon, including gold and silver products and exclusive financial services for marathon participants [4] - The bank's loans to private enterprises reached 74.517 billion yuan, and it supported 482 technology enterprises with a loan balance of 16.31 billion yuan, reflecting a growth rate of 33.92% [4] - Green loans amounted to 16.559 billion yuan, with a net increase of 2.107 billion yuan, representing a growth of 14.58% [4] Group 4: Asset Quality and Market Response - The non-performing loan ratio was 1.81% as of June 30, 2025, a decrease of 0.02 percentage points from the beginning of the year, with a provision coverage ratio of 207.89% [5] - The bank's stock price was 2.48 yuan per share at the end of August, reflecting a 4.54% increase since the beginning of the year, with a consistent dividend policy yielding a dividend rate of around 4% [5]