Core Insights - Lanzhou Bank aims to achieve a total asset of 509.742 billion yuan by June 2025, reflecting a growth of 4.82% from the beginning of the year, with a core Tier 1 capital adequacy ratio of 8.50% [1] Group 1: Asset Growth and Financial Performance - The bank's asset growth will consider market demand, capital constraints, and yield optimization [1] - As of June 2025, the net interest margin is projected to be 1.37%, slightly below the average of A-share listed banks, with short-term pressure but potential stabilization in the medium to long term [1] - The bank's deposit interest rate is 2.22%, down 25 basis points from the beginning of the year, indicating a continued decline in funding costs [1] Group 2: Regional Economic Development - Gansu Province's GDP reached 646.9 billion yuan in the first half of 2025, growing by 6.3%, with key industries including manufacturing, agriculture, new energy, and digital economy [1] - Lanzhou's GDP was 203.36 billion yuan, with a growth rate of 5.6%, focusing on sectors like semiconductors, new energy, biomedicine, and infrastructure [1] Group 3: Loan Demand and Quality - Public loan demand in Gansu Province is growing, with a total loan balance of 3,002.7 billion yuan, an increase of 51.5 billion yuan since the beginning of the year [1] - The non-performing loan ratio for corporate loans decreased from 1.85% to 1.74%, while retail loan non-performing rates increased from 1.77% to 2.01% [1] Group 4: Strategic Initiatives - The bank plans to expand its commission income by developing wealth management and other services to offset declines in self-managed investment income [1] - The bank holds a market share of 12.02% in deposits and 10.17% in loans within Gansu Province, ranking first and second respectively [1] Group 5: Capital and Dividend Strategy - The bank intends to supplement its capital through various means, including issuing subordinated debt, and has maintained a stable dividend payout ratio since 2019, with a cumulative dividend of 2.398 billion yuan and a dividend yield of approximately 4% [1]

Core Viewpoint - The recent issuance of the "Opinions on Continuing to Promote Urban Renewal Actions" by the Central Committee and the State Council emphasizes the establishment of a sustainable urban renewal model, aiming for a transformation in urban development and construction methods by 2030, with a focus on diversified financing mechanisms to support this transition [1] Financing Mechanisms - The "Opinions" propose a diversified financing approach, including national funding such as central budget investments, long-term special bonds, and local government financial contributions through special bonds for urban renewal projects [2] - Policy-driven financial institutions are encouraged to participate in urban renewal under compliant and sustainable conditions, enhancing credit support for various projects [2] New Financing Models - Traditional financing methods for urban renewal, primarily based on real estate collateral, need to be reformed to accommodate the new model focused on revitalizing existing assets [3][4] - Financial institutions are urged to develop tailored loan systems that align with the specific stages and cash flow of urban renewal projects, moving away from reliance on real estate collateral [4] Planning and Asset Management - A three-tier planning mechanism is proposed to enhance the value of urban assets and resources, focusing on overall spatial planning, special planning for mechanisms, and detailed planning for functional indicators [5] - The "Opinions" stress the importance of public investment in essential infrastructure and underground projects to facilitate private sector participation and improve expected returns [5] Flexibility and Community Involvement - The planning phase should allow for flexibility and discretion to balance unforeseen costs and expected returns, encouraging social capital participation [6] - Community stakeholders, including owners, residents, and businesses, are encouraged to engage in the detailed planning process, fostering a sense of shared benefit and broader societal investment [6]

了解更多业绩说明会详情，请点击：https://rs.p5w.net/html/146684.shtml 对于投资者关心的兰州银行如何面对房地产周期带来的影响，未来如何调整贷款产品结构？兰州银行公 司业务部总经理李胜龙回答，我行积极面对房地产周期调整，一是深入贯彻落实国家相关决策部署，按 照市场化、法制化原则，保障房地产行业平稳健康发展，促进金融与房地产良性循环，金融支持房地产 市场止跌回稳。持续加强统筹跟踪协调，梳理细化任务措施，推动各项政策措施扎实落地，全力支持房 地产项目合理融资需求。二是跟进收购已建成存量住房用作保障性租赁住房项目。积极对接当地住建部 门，营销国有企业收购主体在我行开户，并积极对接营销已入库的优质保障性住房收购贷款需求。同时 根据政策要求，地方国有企业获得的贷款资金，要单列账目、单独核算，确保专款专用、封闭管理，关 注项目是否为我行存量房地产开发贷款，做好贷款置换工作，确保我行项目贷款安全，还款来源不流 失。三是充分发挥经营性物业贷款作用，满足房地产企业合理融资需求。选择优质项目形成的成熟物 业，跟进营销企业合理的融资需求，同时发挥经营性物业贷款用途灵活的优势，置换项目法人为建设物 业 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Ningbo Branch is committed to supporting high-quality economic development in Ningbo, aligning with national strategies and local government initiatives to enhance financial services and promote industrial upgrades [1][2][5]. Financial Support for Economic Development - In 2024, ICBC Ningbo Branch provided over 440 billion yuan in new loans, becoming the first large state-owned commercial bank in Ningbo to surpass 400 billion yuan in total loans [1]. - The bank's loan balance for the manufacturing sector exceeded 100 billion yuan, with strategic emerging enterprises receiving over 34 billion yuan in loans and inclusive finance loans surpassing 55 billion yuan [1]. Strategic Project Financing - The bank participated in over 200 key projects, including major infrastructure developments, with total project loans exceeding 500 billion yuan [2]. - A strategic cooperation agreement was signed with the Ningbo State-owned Assets Supervision and Administration Commission to enhance financial support for local enterprises [2]. High-Level Open Economy Services - ICBC Ningbo Branch has established partnerships with over 3,000 local enterprises to provide comprehensive financial services for international trade and market expansion [3]. - The bank has successfully implemented various cross-border trade facilitation policies and innovative financial products [3]. Core Competitiveness and Innovation - The bank is focusing on supporting specialized and innovative enterprises, with loans to specialized and new enterprises exceeding 110 billion yuan and loans to high-tech enterprises surpassing 220 billion yuan [6]. - A private equity investment fund with a total scale of 5 billion yuan was launched to invest in new energy, new materials, and advanced manufacturing sectors [6]. Consumer Support and Financial Inclusion - The bank has actively participated in consumer promotion initiatives, impacting nearly 100,000 participants and driving consumption of approximately 500 million yuan [9]. - In 2024, new loans for real estate projects increased by 29% compared to the previous year, supporting housing needs for nearly 10,000 households [9]. Support for Small and Micro Enterprises - ICBC Ningbo Branch has issued over 20 billion yuan in loans to small and micro enterprises, enhancing financial accessibility for local businesses [10]. - The bank has developed specialized loan products tailored to the needs of local industries, contributing to a nearly 50% increase in inclusive agricultural loans [10].