Bank of Gansu reported a Q4 2024 set of results characterized by robust operating cash flow and a solid balance sheet, but a softer year-over-year revenue trajectory and muted profitability metrics relative to peers. Revenue and gross profit were 718.62 million CNY for the quarter, with a 100% gross margin, and operating income of 96.44 million CNY. Net income of 93.92 million CNY led to a net margin of 13.07% and an EPS of 0.0062. On a YoY basis, revenue and gross profit declined by approximately 6.25%, while operating income fell about 22.2% and net income declined roughly 20.85%. QoQ figures were flat for revenue and gross profit, suggesting a stable top-line in the quarter versus the prior quarter but without meaningful sequential acceleration in profitability. Management commentary is not provided in the data, limiting qualitative color on margin drivers, loan growth, or fee-based income initiatives. Cash flow metrics, however, are favorable: operating cash flow of 5.94 billion CNY and free cash flow of 5.85 billion CNY, with a net debt position of approximately -13.31 billion CNY, underscoring strong liquidity and balance sheet resilience for a regional lender.