Group 1: Financial Performance - As of September 2025, the total assets of Lanzhou Bank reached CNY 523.36 billion, an increase of 7.62% from the beginning of the year [2] - Total liabilities amounted to CNY 482.54 billion, growing by 7.14% year-to-date [2] - Loans and advances issued were CNY 260.47 billion, reflecting a growth of 6.15% [2] - Deposits received totaled CNY 378.25 billion, with a year-to-date increase of 6.2% [2] Group 2: Loan and Deposit Management - The bank's personal loan growth is primarily driven by consumer credit needs, particularly for car purchases and home renovations [2] - The loan yield (excluding discounts) was 4.38%, down by 25 basis points from the beginning of the year [3] - The deposit interest rate stood at 2.18%, a decrease of 29 basis points year-to-date [3] - The net interest margin was 1.38%, down by 5 basis points compared to the start of the year [3] Group 3: Investment and Risk Management - The bank's investment in interbank wealth management primarily involves major state-owned banks and national joint-stock commercial banks [2] - All financial investments are classified as normal assets, adhering to a prudent investment philosophy [2] - The underlying assets of wealth management, trust plans, and asset management plans are mainly standardized bonds rated AA+ or above, with no involvement in credit-like assets [2] Group 4: Capital and Strategic Planning - In 2024, the bank issued CNY 3 billion in subordinated debt and CNY 5 billion in perpetual bonds [3] - The bank is actively exploring various feasible methods to strengthen its capital base [3] - The strategic planning is conducted on a five-year basis, with the current plan nearing completion and a new round of strategic planning underway [3]