2025年6月末，兰州银行流动性比例为72.61%，较2024年末略有提升且总体稳定。较高流动性比例体现 其稳健经营策略，同时通过加强资产负债组合管理等方式平衡流动性、安全性和盈利性。 在负债端成本管控方面，2025年上半年，兰州银行通过强化负债质量管理等手段，持续压降付息成本。 截至上半年末，存款付息率较年初下降25BP，较同期下降31BP；付息负债成本较年初下降27BP，较同 期下降33BP。 多领域积极作为，展现特色金融服务 作为连续十二届兰州马拉松总冠名商，兰州银行在赛事期间推出多种特色产品与服务，如2025年首 创"兰马系列黄河之韵""兰马纪念章"等贵金属产品，推出兰马专属代销理财、马拉松纪念卡等。 9月5日下午，兰州银行通过全景网"投资者关系互动平台"举办业绩说明会，吸引了众多投资者通过网络 互动参与。此次业绩说明会透露了兰州银行多项重要信息，包括资产规模、流动性管理、负债成本管控 等关键要点。 资产规模突破5000亿，迈入中型银行序列 截至2025年6月末，兰州银行资产总额达到5097.42亿元，较年初增长4.82%，首次突破5000亿元大关， 正式迈入中型银行序列。这一突破标志着兰州银行在资本 ...

Core Viewpoint - The "零钱包" service by Minsheng Bank aims to address the public's need for small change in daily transactions, providing a convenient solution for both merchants and individuals [1][2] Group 1: Service Features - The "零钱包" is designed to meet the cash needs of the public, offering pre-packaged cash in various denominations, including standardized options of 100 yuan, 200 yuan, and 300 yuan [1] - Each standardized "零钱包" contains a scientifically reasonable combination of denominations, such as 10 ten-yuan notes, 10 five-yuan notes, and 50 one-yuan coins in the 100 yuan package, facilitating change for merchants and small cash reserves for individuals [1] Group 2: Accessibility and Promotion - Minsheng Bank has established a regular exchange mechanism for the "零钱包," allowing customers to quickly process exchanges through a green channel in the bank [2] - Customers with urgent needs can make advance reservations, ensuring that the "零钱包" is prepared for quick pickup, significantly reducing waiting times [2] - The bank staff actively promotes the "零钱包" service in communities, markets, and business districts, while also educating the public on counterfeit currency detection [2] Group 3: Future Outlook - The "零钱包" service is expected to improve and expand, benefiting more people and providing a more personalized financial service experience [2]

Core Viewpoint - The joint issuance of the "Opinions" by the central bank, financial regulatory authorities, and the Guangdong provincial government aims to enhance financial support for Nansha, promoting its role in the Guangdong-Hong Kong-Macao Greater Bay Area development through 30 key measures [1][4]. Financial Services for Innovation and Entrepreneurship - Support for enterprises aligned with Nansha's industrial development through bill financing and encouragement of "loan + external direct investment" models [4] - Promotion of high-end manufacturing industries and social capital investment, including mechanisms for accounts receivable confirmation and support for issuing technology innovation bonds [4] - Facilitation of youth innovation and entrepreneurship, allowing Hong Kong and Macao residents equal access to support policies and employment opportunities [4] Social and Livelihood Financial Services - Promotion of cross-border payment systems, credit financing, and the facilitation of international professionals' practices [4] Development of Specialized Financial Services - Encouragement for the Guangzhou Futures Exchange to explore electricity futures and support for green and sustainable bond issuance in Hong Kong and Macao [4] - Establishment of a digital financial research think tank and support for the application of generative AI models in finance [4] - Support for quality securities firms to obtain public fund qualifications and the development of cross-border wealth management pilot programs [4] Cross-Border Financial Innovation and Communication - Research on establishing an international commercial bank in the Greater Bay Area and support for Hong Kong and Macao investors to set up securities and fund companies [5] - Promotion of higher-level trade and investment renminbi settlement facilitation and support for fund companies in Nansha to participate in mutual recognition arrangements [5] Support Measures - Emphasis on increasing policy support, including housing and talent policies, to create favorable conditions for domestic and international professionals in Nansha [5]