Bank of Lanzhou Co., Ltd.

Regional Chinese city commercial bank serving Lanzhou and Gansu

What Bank of Lanzhou does

Bank of Lanzhou is a city commercial bank in Lanzhou, in China's northwestern Gansu province, founded in 1997. It takes deposits from ordinary savers and businesses and lends the money out to companies, small shops, farmers and individuals. It also sells wealth management and investment products, issues debit and credit cards, and handles payments, settlement and cross-border transactions for its customers.

How Bank of Lanzhou makes money

The bank earns net interest income from the spread between what it pays depositors and what it charges borrowers on corporate, small-business, personal and agricultural loans. It adds fee income from wealth management and investment products, bank cards, settlement and international business, plus returns from financial market and investment activities.

Products & services

• Deposit products for individuals and businesses
• Wealth management and investment products
• Debit and credit cards
• Corporate lending: syndicated loans, M&A loans, pledge loans
• Small and micro enterprise, individual business and farmer loans
• Transaction banking, settlement, international and e-banking services