甘肃银行VS兰州银行：甘肃两家城商行的PK

Core Viewpoint - The article compares two local urban commercial banks in Gansu Province, Gansu Bank and Lanzhou Bank, analyzing their strengths and weaknesses in various aspects such as ownership structure, financial performance, and asset quality [2]. Ownership Structure - Gansu Bank was established in September 2011 through the merger of two city commercial banks, with significant contributions from state-owned enterprises [3]. - The top ten shareholders of Gansu Bank include several provincial state-owned enterprises, with the largest shareholder holding 17.63% [4]. - Lanzhou Bank was formed in 1997 and restructured into a joint-stock bank, with its top ten shareholders primarily consisting of local government and private enterprises [5][6]. Capital Market - Gansu Bank was listed on the Hong Kong Stock Exchange in January 2018, while Lanzhou Bank was listed on the Shenzhen Stock Exchange in January 2022 [7][8][9]. Operational Coverage - Both banks have achieved full coverage across all 14 cities in Gansu Province, with Gansu Bank having a larger number of branches and a significant presence in rural areas [10]. Subsidiaries - Gansu Bank controls a village bank, while Lanzhou Bank has a financial leasing company under its umbrella [11][12]. Employee Situation - As of the end of 2024, Gansu Bank has 4,595 employees, with 9.01% holding master's degrees, while Lanzhou Bank has 4,280 employees, with 11.57% holding master's degrees [13][14]. Financial Performance - In 2024, Gansu Bank's total assets were 414.71 billion, while Lanzhou Bank's were 486.29 billion, indicating Lanzhou Bank's superior scale [15]. - Lanzhou Bank's operating income and net profit in 2024 were significantly higher than those of Gansu Bank, with net profit being 3.24 times greater [15]. - Both banks have seen fluctuations in their financial performance over the years, with notable declines in profits in 2019 [23][24]. Asset Quality - Lanzhou Bank has better asset quality indicators, including lower non-performing loan ratios and higher provision coverage ratios compared to Gansu Bank [16][34]. - Both banks' asset quality is below the national average for commercial banks, indicating ongoing challenges [41]. Business Structure - The majority of both banks' revenue comes from net interest income, although this proportion has decreased in recent years [26]. - Gansu Bank's loan-to-asset ratio has increased over the past decade, while Lanzhou Bank's has remained stable [27]. Salary and Benefits - Lanzhou Bank has higher employee costs and average salaries compared to Gansu Bank, despite having fewer employees [38][42].