不良率A股上市银行最高！兰州银行将如何提升资产质量？回应来了

Core Viewpoint - Lanzhou Bank has the highest non-performing loan (NPL) ratio among A-share listed banks, reaching 1.81%, exceeding the average of 1.76% for domestic city commercial banks, a situation that has persisted for three consecutive quarters [1]. Group 1: Asset Quality Improvement Measures - The bank plans to enhance asset quality through four main strategies: maintaining a prudent risk preference, improving the intelligent risk control system using big data and AI, increasing efforts in non-performing asset recovery, and strengthening the overall risk management mechanism [3][4]. - The bank aims to adhere to the principle of substance over form in asset quality management, benchmarking against excellent listed banks [4]. Group 2: Financial Performance - As of June 2025, Lanzhou Bank's total assets reached 509.742 billion yuan, marking a 4.82% increase from the beginning of the year and officially entering the medium-sized bank category [5]. - The bank's asset scale breakthrough reflects its enhanced capital strength and market position, as well as its improved ability to serve the regional economy [6]. Group 3: Market Position and Future Goals - As the largest local legal bank in Gansu Province, Lanzhou Bank holds a significant market share in deposits and loans within the province and city, indicating its important role in the local financial system [7]. - The bank plans to focus more on asset quality, profitability efficiency, and optimizing business structure, aiming to convert scale advantages into quality and development advantages while deepening local advantages through digitalization and specialized operations [7].