Bank Of Lanzhou(001227) 全景网·2025-04-30 09:38Core Insights - Lanzhou Bank reported a revenue of 2.037 billion yuan for Q1 2025, a year-on-year increase of 3.26%, and a net profit of 559 million yuan, up 2.36% from the previous year [1] - The bank's total assets exceeded 490 billion yuan, reaching 492.69 billion yuan, with a growth of 1.32% since the beginning of the year [1] - The bank's loan issuance increased by 7.18% to 262.99 billion yuan, marking the largest growth in five years [1] Financial Performance - The bank's investment income showed significant growth, and asset quality was well-managed, with a non-performing loan ratio of 1.81%, down 0.02 percentage points from the beginning of the year [1] - The provision coverage ratio stood at 200.16%, and the cost-to-income ratio was 29.67% [1] Business Strategy - The bank is focusing on key areas such as private enterprises, major projects, real estate, and syndicate mergers and acquisitions to drive growth [2] - Efforts are being made to optimize deposit structures and manage interest rates to reduce costs [2] Corporate Banking - The bank supported 473 technology enterprises with a loan balance of 15.786 billion yuan, an increase of 29.62% since the beginning of the year [2] - Green loan balance reached 15.531 billion yuan, with a net increase of 3.13 billion yuan, reflecting a growth of 2.06% [2] Retail Banking - The total financial assets of personal customers reached 296.73 billion yuan, with an increase of 1.73% since the beginning of the year [3] - The bank launched various marketing activities to boost personal loans, resulting in a new mortgage issuance of 1.004 billion yuan [3] Inclusive Finance - The balance of inclusive small and micro loans was 14.698 billion yuan, with a growth rate of 6.55% [4] - The average interest rate for inclusive small and micro loans decreased by 44 basis points to 4.65% [4]