Bank Of Lanzhou Co., Ltd.
兰州银行
001227
Shenzhen Stock Exchange
Company Profile
I. Rooted in the key Northwest City, fulfilling the original aspiration and mission Gansu Province is located in the northwest of China, situated in the middle section of the Eurasian Continental Bridge. It serves as a crucial passage connecting the Central Plains region with border areas, Central and West Asia, and even Europe. Lanzhou, the provincial capital, is the geometric center of China's land territory, boasting advantageous transportation location. Gansu Province is rich in mineral resources and blessed with exceptional cultural tourism resources, featuring a splendid Silk Road culture. Thanks to a series of national strategies and regional policies, the GDP growth rate of Gansu region has been among the top in the country in recent years, indicating great potential for future economic development. As a local city commercial bank that grew up in Lanzhou and took root in Gansu Province, our bank focuses on the goal of strengthening the provincial capital, fully leverages regional and policy advantages, delves deeply into local economic development, and actively promotes the rapid and healthy development of various businesses. II. Leading in scale, highly recognized by customers As the end of September, the Bank maintained a stable market share in Gansu Province, with its asset size reaching RMB 523.360 billion, an increase of 7.62% compared to the beginning of the year. The Bank's deposit scale achieved a market share of 12.08% in the province, with the balance of deposits reaching RMB 378.251 billion, ranking first in the province. The Bank's loan scale secured a market share of 10.17% within the province, with loans and advances totaling RMB 260.471 billion, maintaining the second position in the province (with the first position held by the China Development Bank Gansu Provincial Branch). The Bank has established a good cooperative relationship with local governments and received strong support from them. With its deep roots in the local area, the Bank enjoys widespread support from customers, boasting over 7.06 million customers and enjoying high brand recognition. III. Optimized institutional layout, prominent network advantages The rapid development of our bank's various businesses is attributed to our widely distributed and reasonably arranged distribution network. Our bank has deep roots in Lanzhou and is one of the financial institutions with a large number of business outlets in the city. In addition, we have established branches in Tianshui City, Jinchang City, Jiuquan City, Pingliang City, Qingyang City, Dunhuang City, Jiayuguan City, Zhangye City, Wuwei City, Baiyin City, Lanzhou New Area, Dingxi City, Linxia Prefecture, Longnan City, and Gannan Prefecture in Gansu Province. Our business outlets cover all cities and prefectures in Gansu Province, gradually optimizing our regional strategic layout and expanding our market influence. As an important supplement and extension to our outlet system, our bank has also established a fully functional and comprehensive electronic banking transaction channel system, including online banking, telephone banking, mobile banking, video banking, WeChat banking, and other electronic banking channels. Leveraging our outlet advantages, our bank can not only maintain existing customers and develop new ones but also enhance our service level by obtaining rich feedback information. IV. Focus on microfinance and small-scale finance, cultivate product advantages Our bank has always adhered to the concept of "growing together" and the principle of "returning to the source" to assist the development of small and micro enterprises. By building a comprehensive financial service system, we continuously improve the quality and efficiency of inclusive finance. In terms of service model, we adhere to the principle of combining "offline and online services, convenience for individuals and benefits for enterprises, policy formulation and implementation, efficiency improvement and effectiveness enhancement, and integrated promotion with graded responsibility" to achieve rapid resource response and efficient allocation. Based on the different stages of financing needs and characteristics of small and micro enterprises, we have designed and developed online credit products such as Small Business Quick Loan, Business e-Loan, Business Quick Loan, and Merchant Loan to enhance the financing convenience of small and micro enterprises. At the same time, we have increased support for first-time loans and renewal loans, and enriched the supply of credit loans, medium and long-term loans, and other products. We continue to innovate and promote supply chain financing business, and constantly expand the application of innovative products such as Lanyin Chain Credit Online Factoring Financing, Medical Insurance Loan, Government Procurement e-Loan, and Longshang e-Loan, to solve the financing difficulties of small and micro enterprises in the supply chain, such as light assets and insufficient credit. Our bank always adheres to the "customer-centric" service concept, continuously improving the precision and coverage of financial services, and contributing financial strength to support the development of the real economy. V. Deepen technology empowerment, enhance service quality and efficiency The Bank firmly grasps the new development concept, combines its actual business development and requirements, deeply lays out in the field of digital finance, closely follows the "1363" strategic deployment, focuses on the dual-driven development of technology and data, continuously strengthens the construction of financial technology capabilities, and promotes the development of financial services towards intelligence, inclusiveness, and openness. Centered around the three main lines of technology, data, and application, the Bank integrates and promotes key tasks such as key system transformation, data foundation consolidation, and business scenario innovation, further strengthening the technical foundation for digital transformation. Adhering to technology empowerment, the Bank widely applies digital technology to financial products, business processes, scenario ecosystems, customer services, etc., strengthens data governance and service sharing, strives to achieve tangible breakthroughs in digital construction, and helps build a new pattern of high-quality development.
Full description
Lanzhou Bank Co., LTD. (hereinafter referred to as "Lanzhou Bank" or "this Bank") was established in 1997 and is the first local legal-person joint-stock commercial bank in Gansu Province. In June 1997, 56 urban credit cooperatives from the original Lanzhou City were reorganized into Lanzhou City Cooperative Bank. In August 1998, it was renamed Lanzhou Commercial Bank. In June 2008, it was renamed Lanzhou Bank. On January 17, 2022, it successfully listed on the main board of the Shenzhen Stock Exchange (stock code: 001227), becoming the first A-share listed bank in Gansu Province. The bank has a total of over 4,400 employees. It has one head office business department, 15 branches and 179 sub-branches, covering all cities and prefectures in the province. It also holds a controlling position in one financial leasing company. The bank adheres to its original mission, upholds a prudent and stable business philosophy, and adheres to the market positioning of "serving the local area, small and medium-sized enterprises, private enterprises, and residents". We fully leverage the unique advantages of local banks, consolidate the business foundation, strengthen innovation and transformation, and actively explore effective models for serving the real economy and small and medium-sized enterprises. It has developed into a modern city commercial bank with stable operation, distinct characteristics, reasonable structure and good reputation. As of the end of September 2025, the total assets of Lanzhou Bank were 523.360 billion yuan, an increase of 7.62% compared with the beginning of the year. Among them, the loans and advances issued were 260.471 billion yuan, an increase of 6.15% compared with the beginning of the year. It absorbed 378.251 billion yuan in deposits, an increase of 6.20% compared with the beginning of the year, and was the commercial bank with the largest deposit and loan scale in Gansu Province. Within the first 9 months of 2025, the company achieved operating revenue of 5.923 billion yuan and net profit attributable to shareholders of the parent company of 1.504 billion yuan, representing a year-on-year increase of 0.65%. The non-performing loan ratio was 1.80%, the provision coverage ratio was 194.02%, and the asset quality remained stable. The bank ranked 332nd in the "Top 1000 World Banks" list published by The Banker magazine in the UK in 2025. It has consistently received an AAA-level credit rating for multiple years.