Core Viewpoint - Gansu Bank focuses on serving local economies, rural development, small and medium enterprises, and urban residents, emphasizing inclusive finance practices to support high-quality development [1] Group 1: Financing Solutions for Small Enterprises - Gansu Bank addresses the financing challenges faced by small and micro enterprises by accelerating its digital transformation and offering innovative products and efficient services [2] - The bank has provided over 9 billion yuan in credit support to 34,000 small micro clients, with an average new loan interest rate decreasing by 33 basis points since the beginning of the year [2] - Gansu Bank has introduced a "merchant loan" product to support individual businesses, allowing for online applications and disbursement within 30 minutes [2] Group 2: Rural Economic Activation - Gansu Bank aims to activate county economies by integrating credit policies with local industry policies, promoting a "thousand billion agricultural project" blueprint [4] - The bank has launched exclusive products like "Huinong Quick Loan" to fill gaps in online agricultural credit offerings and enhance financial services for county economies [4] - The establishment of inclusive finance departments in 19 primary branches supports the bank's commitment to rural revitalization and inclusive finance [4] Group 3: Social Responsibility and Support - Gansu Bank provides financial assistance to vulnerable groups, including low-income individuals, the elderly, and disabled persons, ensuring financial services reach underserved areas [5] - The bank has implemented a pricing strategy to reduce interest rates on existing high-rate products, benefiting over 13,602 enterprises and individuals with interest reductions totaling 26.238 million yuan [5] - In 2024, Gansu Bank applied for 4.539 billion yuan in low-cost funds to support over 1,600 small enterprises, contributing to job stability and production expansion [6]

Core Viewpoint - Luzhou Bank demonstrated steady growth in its 2024 annual report, with both revenue and profit increasing, contributing to local economic development [1][2]. Financial Performance - As of the end of 2024, Luzhou Bank's total assets reached 171 billion yuan, a year-on-year increase of 8.48% [2][4]. - The bank's operating income grew to 5.209 billion yuan, reflecting a 9.20% increase, while net profit reached 1.276 billion yuan, up 28.31% year-on-year, marking two consecutive years of over 20% growth [2][4]. - The net interest margin improved from 2.69% to 2.71%, and the net interest yield increased to 2.49% [2][4]. Asset Quality - Luzhou Bank's non-performing loan (NPL) ratio decreased to 1.19%, outperforming the industry average by 0.57 percentage points [4][5]. - The provision coverage ratio rose to 435.19%, indicating a solid financial cushion [4]. Business Expansion - The total customer loans reached 103.928 billion yuan, with a growth rate of 11.70%, while customer deposits totaled 135.314 billion yuan, up 15.04% [2][5]. - The bank's corporate loan balance increased to 89.636 billion yuan, accounting for 86.25% of total customer loans [6]. Support for SMEs - Luzhou Bank has actively supported over 8,000 small and micro enterprises, with a total loan issuance of 108.605 billion yuan [5][6]. - The bank introduced innovative financial products tailored to the diverse financing needs of small businesses [6]. ESG Initiatives - Luzhou Bank has focused on employee welfare and social contributions, donating 6.5214 million yuan to various charitable causes in 2024 [7]. - The bank has implemented a comprehensive training and promotion system for employees, with 86% of staff holding a bachelor's degree or higher [7]. Dividend Distribution - Since its listing, Luzhou Bank has conducted four cash dividend distributions, with a proposed cash dividend of 1.2 yuan per 10 shares for 2024, totaling approximately 326.13 million yuan [8].