机构观点当前机构对甘肃银行关注度较低，仅1家机构给出目标价1.36港元，较最新收盘价0.25港元存在 较高溢价，但缺乏近期详细研报支持。市场普遍认为其估值受区域经济及资产质量改善节奏制约。 以上内容基于公开资料整理，不构成投资建议。 股票近期走势甘肃银行港股(代码：02139.HK)近7个交易日(2026年2月5日至2月13日)股价呈现窄幅波 动。2月13日收盘价为0.25港元，单日下跌2.35%，区间累计跌幅0.40%，振幅4.80%。成交较为清淡，日 均成交额约19万港元，换手率低于0.03%，显示市场参与度偏低。技术面上，股价围绕5日均线(0.25港 元)震荡，MACD柱状图接近零轴，KDJ指标中性(J值43.62)，布林带下轨支撑位于0.241港元。资金面显 示2月13日主力资金净流入为0，散户资金净流出3.72万港元。 财报分析根据2025年半年报，甘肃银行总资产规模达4274.82亿元，较2024年末增长3.1%，但营业收入 同比下降13.9%，归母净利润同比微增1.1%，呈现"增利不增收"态势。营收下滑主要受市场利率下行及 主动降息让利影响，净利息收入减少11.4%。资产质量方面，2025年6月 ...

Group 1: Management Changes - The Gansu Banking Regulatory Bureau has approved Shi Hailong as the new president of Gansu Bank, marking a new phase for the bank's management team [1] - Shi Hailong, aged 52, has extensive experience in financial institutions and government financial management [1] - The bank's management structure now consists of one president and three vice presidents, with concerns about stability as the chairman, Liu Qing, approaches retirement [1] Group 2: Stock Performance - Gansu Bank's stock price has shown significant fluctuations over the past seven trading days, with a closing price of HKD 0.24 on February 5, rising to HKD 0.27 on February 6, and closing at HKD 0.249 on February 10, resulting in a cumulative increase of 2.47% [2] - The stock experienced a trading range of 9.47% during this period, with an average daily trading volume of approximately HKD 190,000 and a turnover rate below 0.03%, indicating low market participation [2] - Technical indicators show the stock price oscillating around the 5-day moving average of HKD 0.247, with the MACD histogram near the zero axis and KDJ indicators remaining neutral, suggesting a lack of clear direction in the short term [2] Group 3: Financial Performance - As of mid-2025, Gansu Bank's total assets reached CNY 427.482 billion, reflecting a 3.1% increase compared to the end of 2024, while operating income decreased by 13.9% year-on-year [3] - The net profit attributable to shareholders saw a slight increase of 1.1%, indicating a trend of "profit growth without revenue growth" [3] - The decline in revenue is primarily attributed to falling market interest rates and proactive interest rate cuts, leading to an 11.4% reduction in net interest income [3] - The non-performing loan ratio stood at 1.85% as of June 2025, a decrease of 0.08 percentage points from the end of 2024, but the provision coverage ratio of 136.79% remains below the average level for city commercial banks [3] - The bank has not distributed dividends for six consecutive years, with the board stating that this is aimed at strengthening the capital base [3]

Core Viewpoint - The appointment of Shi Hailong as the new president of Gansu Bank marks a significant shift in the management of the bank, which has been facing challenges in asset quality and investor confidence since its listing in 2018. The bank's performance has shown a trend of "profit growth without revenue growth," raising questions about its future strategy and ability to restore investor trust [3][4][10]. Group 1: Management Changes - Shi Hailong's appointment as president was officially approved in mid-January 2026, following his previous role as deputy secretary of the bank's party committee [4][8]. - The new management structure includes Shi Hailong as president and three vice presidents: Hao Jumei, Du Jing, and Sun Xiaoming, indicating a stable leadership team [8][10]. Group 2: Financial Performance - As of June 30, 2025, Gansu Bank's total assets reached 427.48 billion yuan, a 3.1% increase from the end of 2024. However, the bank's operating income fell by 13.9% year-on-year to 2.717 billion yuan, while net profit attributable to shareholders grew by 1.1% to 398 million yuan [12][14]. - The bank has not distributed dividends for six consecutive years since its listing, which has led to investor dissatisfaction and concerns about its financial health [16][18]. Group 3: Asset Quality - Gansu Bank's non-performing loan (NPL) ratio stood at 1.85% as of June 30, 2025, with a provision coverage ratio of 136.79%. This is slightly above the average NPL ratio of 1.76% for city commercial banks, indicating room for improvement in asset quality [21][24]. - The bank has focused on reducing its NPL ratio, which had exceeded 2% for four consecutive years from 2020 to 2023, and has implemented measures to manage and dispose of non-performing assets [21][23]. Group 4: Market Performance - Gansu Bank's stock price has significantly declined, trading around 0.25 HKD per share, which is approximately 90% lower than its initial public offering price of 2.69 HKD, leading to its classification as a "penny stock" [3][16]. - The bank's high concentration of loans to single borrowers has raised regulatory concerns, with the largest borrower accounting for 25.06% of the bank's capital net worth, exceeding regulatory limits [26][28].

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2026年1月31日 狀態: 新提交 FF301 II. 已發行股份及/或庫存股份變動及足夠公眾持股量的確認 致：香港交易及結算所有限公司 公司名稱: 甘肅銀行股份有限公司 (「本行」) 呈交日期: 2026年2月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 02139 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 3,793,800,000 | RMB | | 1 RMB | | 3,793,800,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 3,793,800,000 | RMB | | 1 R ...

Group 1 - The Gansu Financial Supervision Administration approved the appointment of Shi Hailong as the president of Gansu Bank [2] - Several senior executives at Gansu Bank's branches received approval for their positions, including Huang Bingsen and Yang Tingting as vice presidents of the Baiyin branch, and Wen Jiahui as vice president of the Pingliang branch [3] - Wang Xizhen resigned from his positions as president and executive director of Gansu Bank due to job relocation, and he was appointed as the chairman of Hualong Securities [3] Group 2 - Starting from September 2025, Shi Hailong will serve as the deputy secretary of the Gansu Bank Party Committee [4] - On September 15, the board of directors of Gansu Bank recommended appointing Shi Hailong as the president, with his term starting from the date his appointment is approved by the Gansu Financial Supervision Administration until the end of the fourth board's term [4]

以下文章来源于风财眼 ，作者银行财眼 风财眼 . 风财眼致力于银行领域的原创报道，旨在履行媒体监督职责，以期共营健康的金融环境。 来源丨 凤凰网财经《银行财眼》 1月22日，在代理甘肃银行行长四个月后，石海龙的任职资格正式获得监管批复。去年9月15日，甘肃银行董事会已委任其为第四届董事会执行董事 兼行长。 对于营收同比减少的原因，甘肃银行在中报中表示，主要受市场利率下行影响，同时作为甘肃省属法人金融机构，主动加大了对实体经济的支持力 度，通过降息让利，导致净利息收入同比减少。2025年上半年，甘肃银行的净息差同比大降15.2%，至1.12%。 而净利润实现正增长，主要得益于减少支出和资产减值损失的大幅下降。2025年上半年，甘肃银行支出减少了1560万元；而资产减值损失，经扣除 拨回则由17.43亿大幅下降至13.18亿，降幅高达24.4%。该行在财报中解释，"资产减值损失下降，主要由于资产质量提升，减少拨备计提。" | 營業收入 | 2,717.4 | 3,156.8 | (13.9) | | --- | --- | --- | --- | | 經營開支 | (1,060.1) | (1,075.7) | ...

Group 1 - Gansu Bank's president qualification for Shi Hailong has been officially approved, with the term starting from January 15, 2026, until the end of the fourth board term [1] - Shi Hailong, aged 52, has extensive experience in the financial sector, including roles in banking, asset management, and rural credit systems [3] - Gansu Bank, a state-owned urban commercial bank, was established on November 19, 2011, and listed on the Hong Kong Stock Exchange on January 18, 2018, with 19 primary branches and 199 operational institutions [3] Group 2 - As of June 30, 2025, Gansu Bank's total assets reached 42,748.16 billion yuan, a 3.1% increase from the end of 2024 [4] - The total amount of customer loans and advances was 24,190.60 billion yuan, reflecting a 4.5% growth compared to the end of 2024 [4] - The non-performing loan ratio decreased by 0.08 percentage points to 1.85% since the beginning of 2025, indicating improved risk management [4] - Customer deposits totaled 33,442.13 billion yuan, up 4.1% from the end of 2024, showcasing a stable asset-liability structure [4] - In the first half of 2025, Gansu Bank achieved total operating income of 2.717 billion yuan and a net profit of 399 million yuan, a 1.1% increase from the same period last year [4]

Core Viewpoint - Gansu Bank has received approval from the Gansu Regulatory Bureau of the National Financial Supervision Administration for the appointment of Mr. Shi Hailong as the new president of the bank, effective from January 15, 2026 [1] Group 1 - The Gansu Regulatory Bureau has officially approved Mr. Shi Hailong's qualifications to serve as the president of Gansu Bank [1] - The board of directors of Gansu Bank has formally announced Mr. Shi Hailong's appointment [1] - Mr. Shi Hailong's term will last until the end of the fourth board of directors' term [1]

Core Viewpoint - Gansu Bank has received approval from the Gansu Financial Regulatory Bureau for Shi Hailong to assume the position of president, effective from January 15, 2026, until the end of the current board's term [1] Group 1 - Gansu Bank announced the approval of Shi Hailong's appointment as president by the Gansu Financial Regulatory Bureau [1] - The term for Shi Hailong as president will start on January 15, 2026, which is the date of the regulatory approval [1] - The presidency will last until the end of the current board's term [1]

Core Viewpoint - Gansu Bank has announced the appointment of Mr. Shi Hailong as the new president, approved by the Gansu Financial Supervision Administration, effective from January 15, 2026 [1] Group 1 - Gansu Bank received approval from the Gansu Financial Supervision Administration for Mr. Shi Hailong's qualification as president [1] - The board of directors officially announced Mr. Shi Hailong's appointment as president [1] - Mr. Shi Hailong's term will last until the end of the fourth board of directors' term [1]