On August 28th, Lanzhou Bank officially released its 2026 semi annual report to the public. As of the end of June 2026, the total assets of the bank amounted to 5331.02 billion yuan, an increase of 0.58% from the beginning of the year. Among them, loans and advances amounted to 259.063 billion yuan, with a market share of 10.05% in the province, ranking third; Absorbing deposits of 374.834 billion yuan, with a market share of 12.28% in the province, ranking second in the province. In the first half of 2026, the operating revenue will reach 4.179 billion yuan, a year-on-year increase of 6.60%; Realize a net profit of 960 million yuan after deducting non attributable expenses, a year-on-year increase of 7.14%; The non-performing loan ratio is 1.78%, the provision coverage ratio is 191.69%, and the asset quality remains stable.

In the first half of 2026, the bank will closely adhere to the work requirements of the first year of the "15th Five Year Plan", anchor the main line of high-quality development, coordinate various tasks such as stabilizing growth, preventing risks, and promoting transformation, and maintain a stable operating situation.

The revenue has stabilized and rebounded, and the debt structure has been optimized and improved.Lanzhou Bank continues to optimize its asset liability structure, proactively adjusts its scale indicators, and achieves steady growth in core business indicators. During the reporting period, the bank achieved a year-on-year increase of 259 million yuan in operating revenue, with a growth rate of 6.60%, successfully reversing the negative growth trend of operating revenue. The bank implements a refined interest rate pricing system and continues to deepen the reduction of costs and increase efficiency on the debt side. In the first half of the year, the company's deposit interest rate was 1.16%, a decrease of 19 basis points from the beginning of the year; The personal deposit interest rate is 2.09%, a decrease of 40 basis points from the beginning of the year.

Expanding customer base and improving quality, continuously consolidating customer foundation.Lanzhou Bank insists on deepening its local market and sinking its service focus, continuously promoting the expansion and quality improvement of its three major customer groups: corporate, retail, and inclusive. The customer base coverage, stickiness, and comprehensive value continue to increase. Improving the quality and efficiency of the corporate customer base, 12700 new corporate customers were added in the first half of the year, bringing the total number of customers to 123100; The retail customer base is steadily expanding, with a total of 7.3262 million individual customers, a net increase of 142800 from the beginning of the year, and the retail base remains stable; The coverage of inclusive small and micro services continues to expand, with 15200 inclusive small and micro enterprise loan customers, an increase of 2937 compared to the beginning of the year. At the same time, the cumulative number of mobile banking accounts opened was 4.0663 million, and the monthly active users of the app reached 1.0446 million. The online customer reach ability continues to increase, and the customer base is becoming more solid.

Deeply cultivate five major articles to empower high-quality development.The bank continues to increase credit support in key areas. In terms of green finance, 31 green projects were implemented in the first half of the year, with a green loan balance of 19.792 billion yuan, a net increase of 1.87 billion yuan or 10.43% compared to the beginning of the year; In terms of technology finance, the balance of loans for technology-based enterprises was 18.551 billion yuan, a net increase of 1.88 billion yuan, or 11.28%; In terms of inclusive finance, the balance of inclusive small and micro loans was 16.056 billion yuan, a net increase of 583 million yuan, an increase of 3.77%, higher than the growth rate of various loans; The balance of agricultural loans was 22.009 billion yuan, a net increase of 675 million yuan or 3.16% compared to the beginning of the year. In terms of digital finance, the system is promoting the two major projects of "Feitian" and "Lanxin", accelerating the construction of AI computing power base, and empowering business development through digital transformation.

Risk prevention and control are effective, and asset quality remains stable.The bank has always adhered to the bottom line of risk, taking the special improvement of asset quality as an important lever, implementing a comprehensive asset quality improvement plan, and continuously improving the comprehensive risk management system. Strengthen the investigation and control of credit risks in key industries and key customers, promote the precise collection of non-performing loans and efficient disposal of debt assets on a regular basis, continuously standardize the management of the entire credit process, and prevent and resolve credit risks from the source. At the end of June, the non-performing loan ratio of the bank was 1.78%, a decrease of 0.04 percentage points from the beginning of the year, and the provision coverage ratio was 191.69%; The capital adequacy ratio is 12.28%, an increase of 0.66 percentage points from the end of 2025, and the risk resistance ability has been enhanced, further strengthening the barrier for high-quality development.