兰州银行股份有限公司2025年半年度业绩说明会问答实录

Core Viewpoint - Lanzhou Bank has successfully held its 2025 semi-annual performance briefing, highlighting significant growth in assets and a commitment to maintaining a stable financial position while enhancing service offerings to customers and supporting local enterprises [1][2]. Financial Performance - As of June 30, 2025, Lanzhou Bank's total assets reached 509.742 billion yuan, marking a 4.82% increase from the beginning of the year, officially entering the medium-sized bank category [1][3]. - The bank's liquidity ratio stood at 72.61%, slightly up from the end of 2024, reflecting a stable operational strategy [1][2]. - The deposit interest rate decreased by 25 basis points compared to the beginning of the year, with a reduction of 31 basis points year-on-year, indicating effective cost control measures [1][2]. Customer Engagement and Product Innovation - Lanzhou Bank has actively engaged with the community through its sponsorship of the Lanzhou Marathon, launching themed financial products and services to enhance customer experience [1][2]. - The bank has introduced various financial products tailored for small and micro enterprises, including online credit products to facilitate easier access to financing [3][4]. Risk Management and Asset Quality - The non-performing loan ratio was reported at 1.81% as of June 30, 2025, a slight decrease from the beginning of the year, with a provision coverage ratio of 207.89% [2][3]. - The bank employs a comprehensive risk management strategy, utilizing advanced technologies for risk identification and mitigation [2][3]. Strategic Initiatives - Lanzhou Bank is implementing a "1363" strategic plan aimed at becoming a respected and distinctive bank, focusing on digitalization, green finance, and customer-centric services [3][4]. - The bank has initiated the development of its "14th Five-Year Plan," outlining future growth directions and objectives [3][4]. Shareholder Returns - The bank has maintained a stable dividend policy, with a cumulative dividend distribution of 2.398 billion yuan since its listing, reflecting a cash dividend ratio of approximately 33.49% [2][4]. - The board has been authorized to determine the 2025 interim profit distribution plan, indicating a commitment to returning value to shareholders [4].