证券代码： 001227 证券简称：兰州银行 兰州银行股份有限公司投资者关系活动记录表 编号：2025-01 | | □特定对象调研 □分析师会议 | | --- | --- | | 投资者关系 | □媒体采访 ☑业绩说明会 | | 活动类别 | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他（请文字说明其他活动内容） | | 参与单位名称 | 通过网络互动参与本次业绩说明会的各类投资者 | | 及人员姓名 | | | 时间 地点 | 2025 年 5 月 15 日下午 全景网"投资者关系互动平台"（http://ir.p5w.net） | | 上市公司接待 | 1.兰州银行 党委书记、董事长许建平 | | | 2.兰州银行 党委副书记、董事、行长刘敏 | | | 3.兰州银行 独立董事方文彬 | | | 4.兰州银行 董事、董事会秘书张少伟 | | 人员姓名 | 5.兰州银行 公司业务部总经理李胜龙 | | | 6.兰州银行 计划财务部总经理高雪梅 | | | 保荐代表人曾琨杰 7.中信建投 | | | 保荐代表人田斌 8.中信建投 | | 投资者关系活动主 | 1.今年是贵行战略规划 ...

Core Insights - Lanzhou Bank reported a revenue of 2.037 billion yuan for Q1 2025, a year-on-year increase of 3.26%, and a net profit of 559 million yuan, up 2.36% from the previous year [1] - The bank's total assets exceeded 490 billion yuan, reaching 492.69 billion yuan, with a growth of 1.32% since the beginning of the year [1] - The bank's loan issuance increased by 7.18% to 262.99 billion yuan, marking the largest growth in five years [1] Financial Performance - The bank's investment income showed significant growth, and asset quality was well-managed, with a non-performing loan ratio of 1.81%, down 0.02 percentage points from the beginning of the year [1] - The provision coverage ratio stood at 200.16%, and the cost-to-income ratio was 29.67% [1] Business Strategy - The bank is focusing on key areas such as private enterprises, major projects, real estate, and syndicate mergers and acquisitions to drive growth [2] - Efforts are being made to optimize deposit structures and manage interest rates to reduce costs [2] Corporate Banking - The bank supported 473 technology enterprises with a loan balance of 15.786 billion yuan, an increase of 29.62% since the beginning of the year [2] - Green loan balance reached 15.531 billion yuan, with a net increase of 3.13 billion yuan, reflecting a growth of 2.06% [2] Retail Banking - The total financial assets of personal customers reached 296.73 billion yuan, with an increase of 1.73% since the beginning of the year [3] - The bank launched various marketing activities to boost personal loans, resulting in a new mortgage issuance of 1.004 billion yuan [3] Inclusive Finance - The balance of inclusive small and micro loans was 14.698 billion yuan, with a growth rate of 6.55% [4] - The average interest rate for inclusive small and micro loans decreased by 44 basis points to 4.65% [4]