Recently, Lanzhou Bank released its 2026 semi annual report, which showed that as of the end of June 2026, the bank's total assets reached 5331.02 billion yuan, an increase of 0.58% from the beginning of the year,

In the first six months of this year, Lanzhou Bank achieved a revenue of 4.179 billion yuan, a year-on-year increase of 6.6%; Realize a net profit of 960 million yuan after deducting non attributable expenses, a year-on-year increase of 7.14%.

The achievement of this result is due to Lanzhou Bank's adherence to the work requirements of the first year of the "15th Five Year Plan", anchoring the main line of high-quality development, coordinating various work such as stable growth, risk prevention, and promotion of transformation, and ensuring the stable operation of the business.

As a city commercial bank that grew up in Lanzhou City and rooted in Gansu Province, Lanzhou Bank has always aimed to "build a first-class city commercial bank in the western region", focusing on the two core tasks of "providing precise services to the real economy and strengthening the risk compliance bottom line", coordinating and promoting the construction of "industrial bank, community bank, digital bank, and stable bank" four-dimensional banks, and making every effort to win the six key battles of "asset quality battle, industrial finance peak battle, community ecology deepening battle, data technology strong foundation battle, compliance governance upgrading battle, and talent organization empowerment battle", striving to create a new situation of high-quality development in various businesses.

On the occasion of delivering good performance in the first half of the year, Lanzhou Bank will continue to focus on improving quality and efficiency, consolidating the foundation of long-term development, further consolidating a stable business situation, and making greater contributions to promoting the development of local real economy and the construction of a strong financial country.

Deeply cultivating the development of local real economy and delivering good performance results

Currently, city commercial banks are generally facing challenges such as narrowing net interest margins, intensified business competition, increased pressure on risk prevention and control, and regional development differentiation.

In the eyes of industry insiders, facing a complex market environment, the key for city commercial banks to achieve stable performance growth and high-quality business development lies in deeply cultivating the local real economy.

Gansu Province is located in the northwest of China, in the middle section of the Eurasian Continental Bridge. It is an important passage connecting the Central Plains and border areas, as well as Central and Western Asia and even Europe. Gansu Province has always been rich in mineral resources, with unique cultural and tourism resources, and a splendid Silk Road culture. In recent years, benefiting from a series of national strategies and regional support policies, the GDP growth rate of Gansu region ranks among the top in the country, with enormous potential for future economic development.

As the only A-share listed city commercial bank in Gansu Province, Lanzhou Bank has always prioritized serving the real economy, based in Lanzhou and radiating throughout the province, fully empowering the development of local real economy.

Based on the economic development trend in Gansu region, Lanzhou Bank anchors the main line of high-quality development, closely follows the deployment of the "Five Major Articles" of finance, and continues to increase credit support for local new energy, science and technology innovation enterprises, industrial manufacturing, and major provincial and municipal projects.

In terms of deepening green finance, Lanzhou Bank seized the opportunity of rapid development of the local new energy industry, focusing on the production, construction, and operation of new energy industries such as solar photovoltaics, energy storage, and smart grids, and supporting a group of new energy projects with strong qualifications and good credit conditions for rapid development. In the first half of this year, Lanzhou Bank implemented 31 green projects, 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 expanding technology finance, Lanzhou Bank relies on local policies to support science and technology innovation enterprises, reducing financing costs for technology-based enterprises while enhancing credit support for technology-based enterprises. As of the end of June, the balance of technology-based enterprise loans at Lanzhou Bank reached 18.551 billion yuan, a net increase of 1.88 billion yuan or 11.28% compared to the beginning of the year.

In terms of deepening inclusive financial services, Lanzhou Bank supports the sustainable development of local small and micro business entities, assists in the effective implementation of rural revitalization strategies, and provides strong support for the stable development of local economy and society, starting from the continuous growth of credit allocation, steady promotion of key projects, and accelerated landing of innovative products. As of the end of June, the number of inclusive small and micro loan households of Lanzhou Bank reached 15200, with a loan balance of 16.056 billion yuan, a net increase of 583 million yuan from the beginning of the year, an increase of 3.77%.

In addition, Lanzhou Bank actively promotes the landing of local key projects and empowers the local real economy to improve its quality. Since the beginning of this year, Lanzhou Bank has implemented the work deployment of the provincial major project construction docking meeting for financial support, focusing on the "three lists" projects in the province and the projects signed at the Lanzhou Strong Provincial Capital Conference, strengthening financial support, and docking a total of 628 major projects. In the first half of the year, the newly added credit loan investment was 5.142 billion yuan.

In terms of assisting the transformation and upgrading of local manufacturing industry and strengthening the supply chain, Lanzhou Bank focuses on new industrialization, increases credit investment in the manufacturing industry, and expands medium - and long-term loans. As of the end of June, the manufacturing loan balance of Lanzhou Bank reached 23.846 billion yuan, a net increase of 1.83 billion yuan or 8.31% compared to the beginning of the year; Private enterprises in the manufacturing industry have been approved for a re loan of 4.9 billion yuan, effectively reducing their financing costs.

The comprehensive implementation of these measures has continuously strengthened the customer base of Lanzhou Bank and improved both the quantity and quality of customer base construction. In the first half of the year, Lanzhou Bank continued to expand and improve its three major customer groups, namely corporate, retail, and general welfare, by deeply cultivating the local market and sinking its service focus. As of the end of June, Lanzhou Bank added 12700 new corporate clients, bringing the total number of corporate clients to 123100; The total number of individual customers in the bank reached 7.3262 million, a net increase of 142800 from the beginning of the year.

The synchronous improvement of customer scale and quality has promoted the good development trend of multiple businesses of Lanzhou Bank. As of the end of June, the market share of Lanzhou Bank's deposit scale in the province reached 12.28%, ranking second in the province, and the market share of its loan scale reached 10.05%, ranking third in the province; Lay a solid foundation for the steady growth of revenue and profit for the bank in the first half of the year.

Anchoring three major tasks in the second half of the year to build stable and resilient business growth

Faced with the increasing uncertainty of the external environment since the beginning of this year, Lanzhou Bank is also strengthening the quality and efficiency of risk prevention and control.

In the first half of the year, Lanzhou Bank always adhered to the bottom line of risk, took the special improvement of asset quality as an important lever, implemented a comprehensive asset quality improvement plan, and continuously improved the comprehensive risk management system.

Specifically, on the one hand, Lanzhou Bank strengthens the credit risk investigation and control of key industries and key customers, and promotes the precise collection of non-performing loans and efficient disposal of debt assets on a regular basis. On the other hand, it continues to standardize the management of the entire credit process, preventing and resolving credit risks from the source.

These risk control measures have enabled Lanzhou Bank to continue to deliver stable asset quality in the face of macroeconomic fluctuations and changes in the prosperity of many industries.

As of the end of June, the non-performing loan ratio of Lanzhou Bank was 1.78%, a decrease of 0.04 percentage points from the beginning of the year.

In addition, Lanzhou Bank has a provision coverage ratio of 191.69% and a capital adequacy ratio of 12.28%, an increase of 0.66 percentage points from the end of 2025, which has enhanced its risk resistance ability.

In the eyes of industry insiders, in the second half of the year, with the continued uncertainty of global economic growth caused by the US Iran war and the fluctuating expectations of the Federal Reserve's monetary policy disrupting global capital flows, the global banking industry still faces high pressure for stable operations.

In response, Lanzhou Bank will take three major measures in the second half of the year to build a stable and resilient business growth.

One is to focus on improving quality and efficiency, and solidify the foundation for long-term development. Lanzhou Bank will deeply integrate into the overall development of the local economy, cultivate industrial finance and community finance, solidly carry out the "five major articles" of finance, accelerate the investment of high-quality assets under the premise of controllable risks, continue to expand non interest income, maintain reasonable growth in deposit size, and firmly promote further reduction of debt costs.

The second is to coordinate risk prevention and control, and firmly build a safety defense line. Lanzhou Bank will further improve its comprehensive, full process, and penetrating risk management system, continuously enhance the level of intelligent risk prevention and control, increase efforts to clean up and dispose of existing risks, strengthen compliance management, improve its internal control system, and focus on building a strong compliance defense line for all employees.

The third is to promote management reform and unleash endogenous development momentum. Lanzhou Bank will orderly promote the construction of the "Feitian" and "Lanxin" projects, accelerate the application of digital technology and artificial intelligence, continuously optimize performance evaluation, increase the introduction and cultivation of scarce professional talents, and build a talent support system that is compatible with high-quality development.

In addition, Lanzhou Bank will continue to optimize its business structure, improve service quality and efficiency, and make continuous efforts to further support local economic development, expand the scope of financial services for the real economy, and enhance the quality of financial services for the real economy. With practical achievements, it will write a new chapter of high-quality development.