兰州银行营收降1年半 行长履新后不良率A股银行仍最高

Core Viewpoint - Lanzhou Bank reported a decline in operating income for the first half of 2025, while net profit showed a slight increase, indicating mixed financial performance amidst ongoing challenges in the banking sector [1][2]. Financial Performance - Operating income for the first half of 2025 was 3.92 billion yuan, a decrease of 1.86% compared to the same period in 2024 [2]. - Net profit attributable to shareholders was 0.95 billion yuan, reflecting a year-on-year increase of 0.87% [1][2]. - Net profit excluding non-recurring items was 0.90 billion yuan, down 8.94% year-on-year [1][2]. - The net cash flow from operating activities was 11.78 billion yuan, a significant improvement from -0.73 billion yuan in the previous year [1][2]. Asset Quality - As of June 30, 2025, the non-performing loan (NPL) ratio was 1.81%, a slight decrease of 0.02 percentage points from the beginning of the year [3]. - Lanzhou Bank has consistently reported the highest NPL ratio among 42 listed banks in A-shares for the periods ending in 2024 and 2025 [3]. Regulatory Compliance - The liquidity ratio stood at 72.61%, well above the regulatory requirement of 25% [3]. - The liquidity coverage ratio was 130.09%, exceeding the minimum requirement of 100% [3]. - The provision coverage ratio was 207.89%, significantly above the required 140% [3]. Management Changes - In March 2025, Liu Min was appointed as the new president of Lanzhou Bank, following the departure of the previous president [5]. Historical Context - In 2022, Lanzhou Bank reported an operating income of 7.45 billion yuan, a decline of 4.92% year-on-year [4]. - The bank's operating income increased to 8.02 billion yuan in 2023, marking a growth of 7.59% [4]. - In 2024, the operating income was 7.85 billion yuan, a decrease of 2.02% compared to the previous year [4].