Bank Of Lanzhou(SZ:001227) Zheng Quan Ri Bao Wang·2025-10-31 08:11Core Viewpoint - Lanzhou Bank has demonstrated a stable and positive operational development in the first three quarters of 2025, focusing on efficiency, reform, and risk control, achieving significant growth in key financial metrics [1][2]. Financial Performance - In the first three quarters of 2025, Lanzhou Bank reported operating income of 5.923 billion yuan and a net profit attributable to shareholders of 1.504 billion yuan, reflecting a year-on-year increase of 0.65% [1]. - The bank's total assets reached 523.36 billion yuan, a growth of 7.62% compared to the end of the previous year, while total liabilities increased by 7.14% to 482.543 billion yuan [1]. - Loans and advances amounted to 260.471 billion yuan, up 6.15%, and deposits reached 378.251 billion yuan, growing by 6.2% [1]. Asset Quality and Risk Management - Lanzhou Bank improved its asset-liability management, resulting in a significant decrease in the deposit interest rate by 29 basis points, with a net interest margin of 1.38%, up by 1 basis point from June [2]. - The non-performing loan ratio decreased to 1.8%, down by 0.03 percentage points from the beginning of the year, indicating a healthy trend in asset quality [2]. - The bank's focus on technology integration in risk monitoring has enhanced its risk resistance capabilities [2]. Targeted Lending and Sector Focus - The bank has tailored its marketing strategies based on regional resources and industries in Gansu Province, achieving a green loan balance of 18.197 billion yuan, which meets the strategic goal of 10% of corporate loans, with a growth rate of 25.91% [2]. - Support for technology enterprises reached 5.134 billion yuan, with a growth rate of 40.79%, while loans to private enterprises totaled 73.655 billion yuan, increasing by 3.72% [2]. - New financing for major provincial and municipal projects amounted to 8.029 billion yuan, and supply chain financing increased by 5.235 billion yuan [2]. Inclusive Finance and Retail Banking - Lanzhou Bank has made strides in serving small and micro enterprises, with inclusive small and micro loans reaching 15.789 billion yuan, a growth of 14.46%, and an average interest rate of 4.5%, down by 59 basis points [3]. - Agricultural loans totaled 21.723 billion yuan, with a growth rate of 8.1%, and inclusive agricultural loans reached 3.728 billion yuan, increasing by 23.24% [3]. - In retail banking, the bank's total assets under management (AUM) for individual clients reached 303.833 billion yuan, up by 4.51% [3].