BANK OF GANSU (02139) has been forging ahead for thirteen years, empowering local economic and social development with high-quality financial supply.

financial services to support the vigorous development of the local economy and society, and it is also a generous gift from BANK OF GANSU to celebrate its thirteenth anniversary. Thirteen years of ups and downs, thirteen years of fruitful results. As a financial mainstay and pioneer rooted in the Loess Plateau, BANK OF GANSU has always adhered to its market positioning of "serving the local economy, serving small and medium enterprises, serving rural development, and serving urban and rural residents." It has deepened its main responsibilities and industries, continuously extended its service reach, innovated service models, enriched service content, and by pragmatic and effective measures, has earned the trust of a wide range of customers and the recognition of various sectors of society, providing an outstanding financial answer sheet for the high-quality development of the Loess Plateau economy and society. Party building guides the direction, consolidates and mobilizes for development A firm foundation leads to prosperous branches and leaves. Over the past thirteen years, BANK OF GANSU has always taken high-quality party building as the main line running through all reform and development of the bank, effectively transforming the advantages of party building into development advantages. Highlighting guidance orientation, enhancing political leadership strength. BANK OF GANSU gives full play to the leadership role of the Party Committee in directing, managing the overall situation, and ensuring implementation, improves the leadership system of "two-way entry, cross-appointment," revises the rules of the Party Committee meetings, refines the list of major decision-making matters and the guidance list of the "three priorities and one major" matters. With the theme of promoting high-quality financial development, it formulates policies and conscientiously adheres to the correct political direction in serving the overall situation. Highlighting theoretical empowerment, strengthening ideological leadership. BANK OF GANSU always regards studying and implementing the innovative theories of the Party in the new era as a major political task, combining learning with application. Through strict implementation of the "first topic" system, the formulation and issuance of the system for the Party Committee's theoretical study central group and attendance and listening implementation measures, in-depth study and discussion, educating and guiding party members and cadres to deeply understand the decisive significance of the "two establishing," enhance their consciousness of "four consciousnesses", firm "four confidences", and achieve "two maintenance." Highlighting strengthening the foundation, enhancing organizational leadership strength. In order to continuously promote the improvement of grassroots party building, BANK OF GANSU has formulated key points for party building work, established a responsibility system for party building work assessment, deepened party spirit education by relying on expert guidance, educational foundations, excellent party courses, etc., carried out actions to enhance the quality of grassroots party building, promote standardization, standardization, and scientification of grassroots party building work. At the same time, it continues to consolidate the results of the "party building empowers and promotes development" typical creation activities, insists on conducting the selections of the "two excellences and one pioneering," vigorously promotes the creation of "party building brands," by setting up party member demonstration posts, vanguard posts, responsibility areas, forming party member strike teams, and selecting "advanced standardized party branches" throughout the bank, fully exerting the leading and exemplary role of advanced models. Highlighting talent empowerment, strengthening team leadership. With the goal of forging a high-quality professional team of financial cadres who are loyal, clean, and responsible, BANK OF GANSU is committed to building a highland of financial talents. Through the in-depth implementation of the Youth Elite Development Project, the establishment of a echelon of reserve cadres at all levels, and the consolidation of the talent foundation for sustainable high-quality development. In order to motivate talents to take on tasks, be able to accomplish them, and make achievements, the bank has opened up a dual track career development path of "management positions + professional technical positions," providing a platform for the growth and success of talents. Meanwhile, it improves the education and training mechanism, carries out ideological and political and professional training for cadres and employees at different levels, focuses on the needs and requirements of talents, and provides comprehensive service guarantees. Highlighting service purposes, strengthening style leadership. Style construction is related to people's feelings and the success or failure of a cause. By deepening the "three grasp, three promote" actions and proposing seven specific measures, BANK OF GANSU is driving the transformation of work style and the improvement of work efficiency. It promotes the investigation and research spirit, guides the entire bank to go deep into grassroots, frontline, and customers, persistently improves abilities, changes work styles, implements tasks and seeks development. It deepens the rectification of formalism and bureaucratism, formulates the measures for the continuous promotion of reducing the burden at the grassroots level in BANK OF GANSU, further solves the problems of excessive inspection items, implementation of meetings with meetings, and implementation of documents with documents, and continues to consolidate, improve, and fundamentally solve the issues. Serving the real economy to achieve tangible results in financial services for the people For the past thirteen years, BANK OF GANSU has persisted in serving the real economy as its fundamental purpose, closely focusing on the central work of the province, optimizing credit policies, increasing resource allocation, and continuously strengthening financing guarantees for important areas, key industries, and major projects, injecting a continuous stream of financial vitality into the high-quality development of the economy and society of the province. Today, the brand "BANK OF GANSU, the bank of the people of Gansu" has resounded throughout the Loess Plateau. Inclusive finance is connected to economic development and social well-being. Over the past thirteen years, BANK OF GANSU has always adhered to increasing coverage and depth, actively cultivating the micro and small sectors, continuously extending financial service reach, expanding credit scale, and injecting strong development momentum into micro and small business entities. Data shows that since 2019, BANK OF GANSU has cumulatively issued over 47.5 billion yuan in inclusive micro and small loans, with a loan balance of 13.158 billion yuan. To promote the online, convenient, and intelligent development of micro and small loan business, BANK OF GANSU is accelerating the development of digital inclusive finance. In 2021, the bank launched an online credit loan product "Xiaowei e-loan" that features active credit approval and intelligent decision-making. So far, it has provided over 3.1 million micro and small clients with over 8 billion yuan in credit support. Subsequently, it has also introduced products such as "Tax e-loan" and "Government Procurement Loan," increasing the proportion of first loans and credit loans. As of the end of September this year, the loan balances of the three products reached 1.965 billion yuan, significantly improving the accessibility and efficiency of inclusive finance.Quality and efficiency of financial services.BANK OF GANSU is closely following the progress of major projects across the province, and has conducted business cooperation with clients such as CH ENERGY ENG Group, China Communications Construction First Highway Engineering Group, to support investment projects such as Qingda Chemical Industry, Longnan Xiongwei Wanli, and Gansu Defu New Materials. At the same time, it has implemented measures such as the "BANK OF GANSU Project Promotion and Development Implementation Plan" and the "BANK OF GANSU Financial Services to Enhance the Quality and Efficiency of the Real Economy 100-Day Campaign Implementation Plan", to prioritize serving the real economy development, set clear goals, increase resource allocation, optimize processes and mechanisms, improve decision-making efficiency, and fully promote project promotion and investment. Focusing on the major directions of "ecological protection and high-quality development in the Yellow River basin" and "carbon reduction, pollution reduction, green expansion, and growth", BANK OF GANSU adheres to the principle of "ecological priority, green development", making supporting the development of new energy industries as an important strategic task. They continuously increase the lending support for key projects in the Yellow River basin, leading companies in characteristic industries, and green low-carbon projects, enhancing the coverage, penetration, and sustainability of green financial services, and have embarked on a path of dual development of green finance and green development. Currently, BANK OF GANSU has successfully applied for 125 million yuan in carbon emission reduction support funds, with a green loan balance of 19.57 billion yuan. In the context of high-quality industrial development, BANK OF GANSU insists on enhancing quality through innovation, focusing on scientific and technological innovation, and promoting the main engine of the development of the real economy. To address the financing difficulties faced by technology companies, they have formulated an "Action Plan for Improving Science and Technology Financial Services", actively developed specialty credit products, and established dedicated institutions to explore new models of science and technology financial services. To increase the loan approval rate for enterprises, BANK OF GANSU has cooperated with Lanbai Experimental Zone Innovation Fund Management Co., Ltd. to launch the "Technology Fund Credit Enhancement", providing flexible and effective product combinations to support technological innovation enterprises in focusing on product research and development and business expansion. They actively support major projects in industrial parks and science and technology demonstration zones, providing financial support for investment attraction and fund cultivation for businesses within the parks. By focusing on key goals of technological innovation and industrial transformation, BANK OF GANSU continuously accelerates innovation pace to provide strong financial support for the development of new productive forces. As of now, the balance of technology loans at BANK OF GANSU has reached 11.171 billion yuan. Leading the way in reform and development, BANK OF GANSU is vigorously promoting transformation and upgrading. By upgrading online platforms and providing free assistance to build online shopping platforms for businesses, they have increased their mobile banking customer base to 4.04 million households, with over 1 million monthly active customers. By establishing the first 5G smart service experience store in the province and increasing the rate of channel substitution by intelligent counters in branches to 73.13%, they have achieved 90.35% off-counter transactions through their own channels, with over 95% of manual statistics replaced by systems. By completing the upgrade of 40 branches and implementing new SI standards in business outlets to enhance customer satisfaction... These are the latest achievements of BANK OF GANSU in digital transformation, a concrete manifestation of innovative digital financial services for digital economic development. Fearlessly tackling challenges, BANK OF GANSU is unwavering in its commitment to reform. Focusing on the challenges faced by development and the demands of comprehensive deepening reform, BANK OF GANSU adheres to its market positioning, firmly grasping the "nose" of reform, focusing on creating new efficiencies, deeply promoting structural reform of financial supply-side, accelerating the construction of a development path with distinctive features, and continually improving the company's governance system in the transformation and upgrading process, stimulating high-quality development. In 2020, BANK OF GANSU officially launched its digital transformation work, establishing a leadership team for digital innovation, proposing a mobile-first strategy and the goal of "building the second online bank", formulating a "Digital Transformation Plan", and coordinating the advancement of "one transformation goal, two leading directions, three transformation directions, four middle platforms, five-dimensional capacity building, six major supports". Over the past 4 years, BANK OF GANSU has continuously strengthened "new infrastructure", built "new connections", expanded "new services", and pressed the "shortcut key" for digital transformation, achieving significant results. They focus on optimizing and upgrading internal governance systems. BANK OF GANSU has promptly amended its articles of association, standardized the operation of the "three meetings and one layer", implemented the "two-way entry, crossover appointment" leadership system, carried out the party committee discussion as a precursor to board decision-making, fully utilized the functions of various specialized committees, continuously optimized the equity structure, and fully enhanced the performance of the board of directors and the board of supervisors. At the same time, they have steadily promoted the construction of the "five systems", integrated institutions, clarified departmental responsibilities, effectively promoted the implementation of the "three determinations" plan for the headquarters and branches, and incentivized the enthusiasm of all staff through performance system reform. They continue to enhance the efficiency of risk management and internal control and compliance management. BANK OF GANSU regards preventing and resolving financial risks as an eternal theme, focusing on various tasks of "changing stock, controlling increment", adhering to the principles of "highlighting priorities, implementing step by step, prioritizing benefits, and coordinating comprehensively", establishing and improving risk management systems, a risk management "toolbox", upgrading risk monitoring and measurement methods, creating a credit risk warning system based on big data, using big data and knowledge graph technology to construct a risk warning model, effectively enhancing risk prevention and control capabilities. To cultivate a good internal control and compliance culture, BANK OF GANSU has established and improved systems such as authorization management, system processes, quality control, anti-money laundering, case prevention, internal supervision, internal accountability, and operational risk management based on a "five-year plan, progressive approach" strategy, strengthening internal controls and compliance management.The work of establishing, revising, and abolishing systems continuously improves the level of internal control and compliance management.Drive business development with light capital, digitization, and scenarioization. Centered around the positioning of "Rooted in the Loess Plateau, Serving Gansu" and the vision of building a "listed bank with high-quality development as the foremost comprehensive financial service provider in the region," BANK OF GANSU has established the "Six Major Business Segments" and "Ten Core Capabilities," formulated and implemented the "BANK OF GANSU Key Business Transformation Plan," and focused on promoting the "Five Major Projects." Uphold the concept of light capital development. BANK OF GANSU continues to advance retail transformation, actively selecting and serving customer groups, vigorously expanding ecological scenarios, and initially forming a comprehensive operating service system that integrates savings, investments, loans, and credit. Positive and pragmatic measures have brought gratifying results. As of now, retail loans account for 22.45% of BANK OF GANSU's total loans, an increase of 3.36 percentage points from 2019; and the revenue from retail loans accounts for 23.83%, an increase of 4.9 percentage points from 2019. Financially assisting agriculture and bravely taking on challenges are the primary responsibilities As a local financial institution, BANK OF GANSU has always remembered its social responsibility as a provincially-owned state bank. It regards consolidating and expanding the achievements of poverty alleviation, and comprehensively promoting rural revitalization as a top priority. It has fully implemented the "One Trillion Agricultural Loan Project," strengthened outreach assistance coordination, improved basic financial services, stimulated financial "hematopoietic" functions, and painted vivid new pictures of financial assistance to agriculture. Improving infrastructure to solidify the foundation of rural revitalization. BANK OF GANSU has invested 1.5125 million yuan in repairing and supporting village roadsides in five villages of Dongxiang County, Lanzhou, to fundamentally address the issue of "roads being repaired every year, but deteriorating every year." It has also invested over 1.8 million yuan in implementing household water supply projects in three assisted villages in Dongxiang County, ensuring safe drinking water; and invested 580,000 yuan to improve production and living... BANK OF GANSU is actively exploring effective ways of financial support for rural construction, enhancing financial support in areas such as agricultural water conservancy, infrastructure for the Shenzhen Agricultural Power Group, and promoting rural construction activities to focus on rural road construction, healthcare and... Promoting industrial development to increase income for the masses. Rural revitalization precedes industrial development. Over the past 13 years, BANK OF GANSU has relied on local resources, established liaison mechanisms with 14 prefectures and cities, proactively coordinated with various prefectures and cities to finance their characteristic industries, an...