调研速递|兰州银行接受鹏华基金等1家机构调研 透露多项关键要点

Core Insights - Lanzhou Bank aims to achieve a total asset of 509.742 billion yuan by June 2025, reflecting a growth of 4.82% from the beginning of the year, with a core Tier 1 capital adequacy ratio of 8.50% [1] Group 1: Asset Growth and Financial Performance - The bank's asset growth will consider market demand, capital constraints, and yield optimization [1] - As of June 2025, the net interest margin is projected to be 1.37%, slightly below the average of A-share listed banks, with short-term pressure but potential stabilization in the medium to long term [1] - The bank's deposit interest rate is 2.22%, down 25 basis points from the beginning of the year, indicating a continued decline in funding costs [1] Group 2: Regional Economic Development - Gansu Province's GDP reached 646.9 billion yuan in the first half of 2025, growing by 6.3%, with key industries including manufacturing, agriculture, new energy, and digital economy [1] - Lanzhou's GDP was 203.36 billion yuan, with a growth rate of 5.6%, focusing on sectors like semiconductors, new energy, biomedicine, and infrastructure [1] Group 3: Loan Demand and Quality - Public loan demand in Gansu Province is growing, with a total loan balance of 3,002.7 billion yuan, an increase of 51.5 billion yuan since the beginning of the year [1] - The non-performing loan ratio for corporate loans decreased from 1.85% to 1.74%, while retail loan non-performing rates increased from 1.77% to 2.01% [1] Group 4: Strategic Initiatives - The bank plans to expand its commission income by developing wealth management and other services to offset declines in self-managed investment income [1] - The bank holds a market share of 12.02% in deposits and 10.17% in loans within Gansu Province, ranking first and second respectively [1] Group 5: Capital and Dividend Strategy - The bank intends to supplement its capital through various means, including issuing subordinated debt, and has maintained a stable dividend payout ratio since 2019, with a cumulative dividend of 2.398 billion yuan and a dividend yield of approximately 4% [1]