Bank Of Lanzhou Co., Ltd.

Bank of Lanzhou Co., Ltd. is a local legal-person joint-stock commercial bank based in Gansu Province, China. Established in 1997, it was initially formed from the reorganization of urban credit cooperatives in Lanzhou City. The bank has undergone several name changes, becoming Lanzhou Bank in 2008, and it successfully listed on the main board of the Shenzhen Stock Exchange in January 2022. With over 4,400 employees, the bank operates a network that includes one head office, 15 branches, and 179 sub-branches throughout Gansu Province. The bank focuses on serving local small and medium-sized enterprises, private enterprises, and residents, leveraging its regional advantages to promote economic development. It is recognized for its stable market share in Gansu, holding the largest deposit scale in the province and maintaining a significant loan portfolio. The bank has established a comprehensive electronic banking system and emphasizes microfinance and small-scale finance to support local businesses. Its extensive distribution network and strong customer relationships contribute to its reputation and operational success within the region.

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.