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Core Viewpoint - Gansu Bank has signed an asset transfer contract with Gansu Asset Management Co., intending to sell an asset package for 15.3 billion yuan, which has a total principal and interest balance of approximately 19.719 billion yuan [1][3]. Group 1: Asset Transfer Details - Gansu Bank has accelerated the disposal of non-performing assets since its listing, having sold asset packages totaling nearly 23.8 billion yuan to Gansu Asset Management in eight transactions [2][5]. - The current asset package includes not only credit assets but also non-credit low-yield financial investment assets such as trust and asset management plans [2][3]. - The asset package consists of approximately 17.864 billion yuan in principal and 1.855 billion yuan in accrued interest, with the credit assets primarily in wholesale and retail, real estate, manufacturing, and mining sectors [3]. Group 2: Financial Implications - The sale price of 15.3 billion yuan is slightly higher than the net book value of the disposed assets, which is approximately 14.922 billion yuan after accounting for impairment provisions of about 4.797 billion yuan [3]. - The payment for the asset transfer will be made in installments, with an initial payment of 8 billion yuan due within five working days of the contract's effectiveness, followed by two additional payments over the next five years [4]. Group 3: Industry Context - The trend of accelerating non-performing asset disposal in the banking industry is evident, with Gansu Bank's actions reflecting a broader industry movement towards managing both credit and non-credit asset quality [7]. - Gansu Asset Management, established in 2016, focuses on managing, investing, and disposing of non-performing assets, indicating a growing market for such services in the region [7].