On the evening of April 27, Bank of Lanzhou released its 2021 annual report and 2022 first quarter report. The company plans to send 10 yuan to 1 yuan (tax included).
In 2021, the company’s operating income was 7.836 billion yuan, a year-on-year increase of 7.29%; the net profit attributable to the parent was 1.566 billion yuan, a year-on-year increase of 4.90%; the non-net profit attributable to the parent was 1.606 billion yuan, an increase of 81.45%; the non-performing loan ratio was 1.73%, It has been declining steadily for three consecutive years; the provision coverage ratio is 191.88%, a new high in the past five years, and the overall asset quality has remained stable.
According to the annual report data, as of the end of 2021, the assets of Lanzhou Bank reached 400.341 billion yuan, a year-on-year increase of 10.49%; the deposit balance reached 305.655 billion yuan, a year-on-year increase of 6.74%; the loan balance was 210.116 billion yuan, a year-on-year increase of 11.16%.
In 2021, the company has successfully connected with nearly 300 “major provincial” and key projects in various cities and cities, with a loan balance of 14.884 billion yuan; and actively consolidate the achievements in poverty alleviation, build sub-branches with characteristics of rural revitalization, promote the sinking of county-level financial services, and actively integrate into rural areas To revitalize the overall situation, the bank-wide balance of agriculture-related loans reached 32.038 billion yuan.
The company practiced the concept of inclusive finance, and increased the resource preference for small, medium and micro businesses. Last year, it vigorously developed digital online supply chain finance that adapts to the new development pattern of “dual circulation”, launched the first full-process online digital certificate confirmation model in China, and launched the “Longshang e-Loan” innovatively. Provide efficient and convenient financing channels for small, medium and micro customers, and alleviate the financing problems of small, medium and micro enterprises in the “long tail” downstream of the supply chain. As of the end of 2021, the company’s balance of small and micro enterprise loans was 109.454 billion yuan, accounting for 81% of the balance of public loans; the balance of small and micro loans was 66.226 billion yuan, and the average interest rate of inclusive small and micro loans dropped by 24 BPs compared with the same period of the previous year. .
The company’s retail transformation has been further accelerated. At the end of 2021, personal deposits increased by 9.510 billion yuan, and the balance reached 192.869 billion yuan, an increase of 5.19%. Personal loans increased by 12.295 billion yuan, and the balance reached 61.159 billion yuan, an increase of 25.16%. The system of intermediary business products was continuously expanded, and the wealth management mechanism was improved. The existing scale of personal wealth management products exceeded 37 billion yuan.
In addition, after the outbreak of the epidemic in Gansu Province in 2021, the company timely issued 876 million yuan in loans to 51 enterprises in health and epidemic prevention, medical supplies manufacturing and procurement, and residents’ daily necessities production, and 602 million yuan for 58 enterprises affected by the epidemic. It also donated 10 million yuan to the Lanzhou Municipal People’s Government, and donated more than 600,000 yuan worth of epidemic prevention materials to support the province’s epidemic prevention work.
At the same time, the company issued credit loans to eligible small and micro enterprises and individual industrial and commercial households. For customers whose business operations were affected by the epidemic, the company did not withdraw, suppress or cut off loans, but extended, refinanced, changed repayment plans, and changed settlements. interest rate, appropriate reduction of interest rates, etc., to relieve difficulties and show the “blue-silver temperature”.
In the first quarter of this year, the company’s various operating indicators continued to maintain steady growth, achieving a net profit attributable to the parent of 490 million yuan, a year-on-year increase of 94.05%, and profitability was further enhanced; personal deposits exceeded 200 billion yuan for the first time, and the surviving scale of wealth management products exceeded 40 billion yuan. (Chen Guoqing)Return to Sohu, see more
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