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 ...

Financial Performance - As of June 2025, the total assets of Lanzhou Bank reached 5097.42 billion CNY, marking a 4.82% increase from the beginning of the year, officially entering the medium-sized bank category [2] - The liquidity ratio stood at 72.61% as of June 2025, slightly improved from the end of 2024, reflecting a stable operational strategy [2] - The bank's deposit interest rate decreased by 25 basis points (BP) compared to the beginning of the year, and the cost of interest-bearing liabilities dropped by 27 BP [3] Support for Private Enterprises - Lanzhou Bank implemented a series of initiatives to support private enterprises, resulting in a loan balance of 745.17 billion CNY, with a net increase of 35.03 billion CNY (4.93%) since the beginning of the year [4] Capital Management - The bank plans to issue up to 20 billion CNY in subordinated debt within regulatory approval timelines to strengthen capital [5] - Cumulative dividends since listing reached 23.98 billion CNY, with an average cash dividend ratio of 33.49% [5] Asset Quality Management - As of June 2025, the non-performing loan (NPL) ratio was 1.81%, a slight decrease of 0.02 percentage points from the beginning of the year, with a provision coverage ratio of 207.89% [6] - The bank employs a comprehensive risk management strategy, including enhanced credit approval processes and advanced risk identification technologies [6] Green Finance Initiatives - By June 2025, Lanzhou Bank issued 3.16 billion CNY in carbon reduction loans, contributing to a reduction of 96,000 tons of CO2 equivalent [7] - The balance of green loans reached 165.59 billion CNY, with a net increase of 21.07 billion CNY (14.58%) since the beginning of the year [7] Strategic Development - The bank is advancing its "1363" strategic plan, focusing on becoming a respected boutique bank through customer development, retail transformation, and asset quality improvement [9] - The bank's asset scale surpassing 5000 billion CNY is seen as a significant milestone, enhancing its market position and service capabilities [9]