上述问题违反《上市公司独立董事管理办法》（证监会令第220号）第十三条、第十五条规定，根据 《上市公司独立董事管理办法》第四十四条规定，我局决定对你公司及独立董事廖志生采取责令改正的 监管措施。针对上述公司治理不规范问题，你们应自收到本决定书之日起十五个工作日内向我局提交书 面整改报告。 如对本监管措施不服，可以在收到本决定书之日起60日内向中国证监会提出行政复议申请，也可以 在收到本决定书之日起6个月内向有管辖权的人民法院提起诉讼。复议和诉讼期间，上述监管措施不停止 执行。 陕西证监局 2024年4月25日 【打印】 【关闭窗口】 | 索 | 引 | 号 | bm56000001/2024-00004607 类 | 分 | | | --- | --- | --- | --- | --- | --- | | | 发布机构 | | 发文日期 1714001940000 | | | | 名 | | 称 | 关于对西安银行股份有限公司、廖志生采取责令改正监管措施的决定 | | | | 文 | | 号 | 陕证监措施字〔2024〕9号 词 | 主 | 题 | 关于对西安银行股份有限公司、廖志生采取责令改正监管措施的决 ...

Financial Performance - Total assets reached CNY 432.201 billion, an increase of 6.50% compared to the end of the previous year[34]. - Total loan principal amounted to CNY 202.922 billion, growing by 6.98% year-on-year[34]. - Total deposit principal was CNY 293.786 billion, up 4.79% from the previous year[34]. - Annual operating income was CNY 7.205 billion, reflecting a year-on-year growth of 9.70%[34]. - Net profit attributable to shareholders was CNY 2.462 billion, an increase of 1.56% year-on-year[34]. - Retail deposits reached CNY 160.223 billion, with an increase of CNY 14.202 billion, representing a growth of 9.73%[42]. - Personal loans totaled CNY 65.174 billion, increasing by CNY 3.256 billion, a growth of 5.26%[42]. - The company achieved net interest income of 5.31 billion yuan, a decrease of 3.63% year-on-year, with interest income of 15.38 billion yuan, up 10.90% year-on-year, and interest expenses of 10.08 billion yuan, up 20.48% year-on-year[61]. - Non-interest net income reached 1.90 billion yuan, representing a year-on-year increase of 79.01%, primarily due to increased investment income and fair value changes[63]. - The company reported a net cash flow from operating activities significantly decreased by 76.33%, totaling 12,326,139 thousand compared to 52,081,383 thousand in 2022[114]. Loan and Deposit Growth - The loan balance for small and micro enterprises reached 35.072 billion CNY, with a 22.08% increase in the balance of inclusive small and micro enterprise loans to 7.254 billion CNY, up by 1.312 billion CNY from the beginning of the year[20]. - The balance of inclusive small and micro enterprise loans increased by 22.08%, reflecting the company's commitment to enhancing financial services for small businesses[20]. - Total loans and advances amounted to 202.92 billion, an increase from 189.69 billion year-on-year, with a net loan amount of 198.00 billion[140]. - The bank's deposits increased by 5.17% year-on-year, totaling CNY 302.56 billion[106]. - Total deposits reached 293.79 billion, a 4.79% increase from the previous year, with personal deposits growing by 9.72% to 162.16 billion, accounting for 53.60% of total deposits[146]. Risk Management and Asset Quality - The non-performing loan ratio increased to 1.35% from 1.25% in the previous year, indicating a rise of 0.10 percentage points[119]. - Credit impairment losses were CNY 2.74 billion, representing a year-on-year increase of 30.67%[105]. - The company has taken proactive measures to manage the watchlist loans, which amounted to 8.87 billion at the end of the reporting period[164]. - The overdue loans totaled 4,638,042 thousand yuan, representing 2.29% of total loans, compared to 4,538,074 thousand yuan (2.39%) in the previous year[167]. - The company reported a provision for loan impairment of 1,704.5 million yuan during the reporting period, with a year-end balance of 5,383.7 million yuan[195]. Investment and Financial Strategy - The company launched new products such as "Smart Deposit 4.0" and "Quick E-Loan," focusing on retail customer acquisition and expanding the customer base[17]. - The company aims to enhance its financial services in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, as part of its 2024 outlook[3]. - The company’s financial investments amounted to 151.37 billion yuan, generating interest income of 5.19 billion yuan at an average interest rate of 3.43%[76]. - Financial investments measured at fair value and recognized in profit or loss increased to 28,742,857 thousand yuan, up from 25,986,237 thousand yuan, representing a growth of 10.77%[125]. - The company has enhanced its product development and innovation efforts to meet investor demands and market opportunities[199]. Awards and Recognition - The company received multiple awards, including ranking 340th in the "2023 Global Bank 1000" list, indicating strong market recognition[134]. - The company received multiple awards, including the "Five-Star Product" recognition from the China Investment Association[199]. Operational Efficiency - The company integrated technology and business, improving data governance, risk management, and IT operations capabilities, maintaining a leading position among regional banks[2]. - The company plans to enhance its technological capabilities and data application efficiency to support high-quality development[72]. - Employee costs for 2023 amounted to 1,057,523 thousand yuan, accounting for 53.74% of total business and management expenses, showing a year-on-year increase of 1.91%[83]. - Total business and management expenses for 2023 reached 1,967,685 thousand yuan, reflecting a 4.11% increase compared to 1,889,992 thousand yuan in 2022[83].

Cash Flow Activities - Net cash used in operating activities for the group was RMB 10.85 billion in Q1 2024, compared to RMB 4.13 billion in Q1 2023[2] - Net cash from investing activities for the group was RMB 92.5 million in Q1 2024, compared to a net cash outflow of RMB 2.21 billion in Q1 2023[13] - Net cash from financing activities for the group was RMB 7.08 billion in Q1 2024, up from RMB 5.24 billion in Q1 2023[13] - The group's cash outflow for interest, fees and commissions was RMB 2.31 billion in Q1 2024, up from RMB 1.46 billion in Q1 2023[2] - Cash paid for employee benefits was RMB 357 million in Q1 2024, compared to RMB 322 million in Q1 2023[2] - Cash paid for taxes was RMB 236 million in Q1 2024, slightly higher than RMB 229 million in Q1 2023[2] - The group's cash outflow for other operating activities was RMB 151 million in Q1 2024, down from RMB 158 million in Q1 2023[2] - Cash received from investments was RMB 8.51 billion in Q1 2024, down from RMB 12.76 billion in Q1 2023[13] - Cash paid for acquisition of fixed assets and intangible assets was RMB 8.47 billion in Q1 2024, down from RMB 15.12 billion in Q1 2023[13] - The net cash flow from operating activities increased year-on-year, mainly due to an increase in loans and advances and a decrease in borrowings from the central bank[60] - Net cash flow used in operating activities increased by 162.59% to (10,852,789) thousand yuan in Q1 2024 compared to (4,133,002) thousand yuan in Q1 2023[82] Cash and Cash Equivalents - Cash and cash equivalents at the end of Q1 2024 were RMB 26.98 billion for the group, compared to RMB 16.72 billion at the end of Q1 2023[17] - The company's cash and deposits with central banks decreased slightly to 25.376 billion yuan from 25.421 billion yuan at the end of 2023[71] Assets and Liabilities - Total assets increased by 8.855 billion yuan (2.05%) to 441.056 billion yuan as of March 31, 2024, compared to the end of the previous year[36] - Loans and advances increased by 13.742 billion yuan (6.77%) to 216.664 billion yuan as of March 31, 2024[36] - Total deposits increased by 4.546 billion yuan (1.55%) to 298.332 billion yuan as of March 31, 2024[36] - Total assets as of March 31, 2024, were 441.056 billion yuan, an increase from 432.201 billion yuan at the end of 2023[71] - Loans and advances increased to 211.274 billion yuan, up from 198.003 billion yuan at the end of 2023[71] - Financial investments measured at fair value through profit or loss decreased to 27.510 billion yuan from 28.743 billion yuan at the end of 2023[71] - Total assets increased by 2.05% to 441,056,345 thousand yuan as of March 31, 2024, compared to 432,201,362 thousand yuan at the end of 2023[82] - Total liabilities for the group increased to 409,405,337 thousand yuan as of March 31, 2024, from 401,275,149 thousand yuan at the end of 2023[73] - Total assets increased to 441,056,345 thousand yuan, up 2.05% from 432,201,362 thousand yuan at the end of 2023[86] - Total loans and advances grew to 216,664,318 thousand yuan, a 6.76% increase from 202,922,010 thousand yuan at the end of 2023[86] - Corporate loans and advances rose to 132,643,159 thousand yuan, up 6.22% from 124,871,159 thousand yuan at the end of 2023[86] - Personal loans and advances decreased to 63,215,629 thousand yuan, down 4.27% from 66,033,012 thousand yuan at the end of 2023[86] - Total deposits increased to 298,332,128 thousand yuan, up 1.55% from 293,786,396 thousand yuan at the end of 2023[86] - The company's total deposits increased to 306,922,516 thousand yuan as of March 31, 2024, from 302,558,036 thousand yuan at the end of 2023[73] Profitability and Income - Operating income for Q1 2024 was 1.885 billion yuan, a 4.44% increase compared to Q1 2023[33] - Net profit attributable to shareholders of the parent company for Q1 2024 was 682.628 million yuan, a 3.79% increase compared to Q1 2023[33] - The company achieved operating income of 1.885 billion yuan, an increase of 80 million yuan, or 4.44% year-on-year[55] - Net profit attributable to shareholders of the parent company was 683 million yuan, an increase of 25 million yuan, or 3.79% year-on-year[55] - Basic earnings per share were 0.15 yuan, with a weighted average return on equity of 2.19%[55] - Net interest income for the group decreased to 1,239,753 thousand yuan in Q1 2024 from 1,389,901 thousand yuan in Q1 2023[77] - Operating profit for the group was 698,937 thousand yuan in Q1 2024, slightly down from 699,556 thousand yuan in Q1 2023[77] - Net fee and commission income for the group increased to 70,847 thousand yuan in Q1 2024 from 55,350 thousand yuan in Q1 2023[77] Capital and Shareholders' Equity - Shareholders' equity increased by 725 million yuan (2.34%) to 31.651 billion yuan as of March 31, 2024[36] - The company's top ten shareholders include Scotiabank (804.771 million shares) and Tang West Market Cultural Industry Investment Group (634.072 million shares)[49] Capital Adequacy and Leverage - Core tier 1 capital adequacy ratio decreased to 10.26% as of March 31, 2024, compared to 10.73% at the end of 2023[38] - Leverage ratio increased to 6.56% as of March 31, 2024, compared to 6.35% at the end of 2023[40] - The company's core tier 1 capital adequacy ratio and capital adequacy ratio stood at 10.26% and 12.55% respectively as of the reporting period[85] Non-Performing Loans and Provisions - Non-performing loan ratio increased by 0.08 percentage points to 1.43% compared to the end of the previous year[85] - Provision coverage ratio decreased by 7.88 percentage points to 189.19% compared to the end of the previous year[85] - Non-performing loan ratio increased to 1.43%, up from 1.35% at the end of 2023[87] - Provision coverage ratio decreased to 189.19%, down from 197.07% at the end of 2023[87] Comprehensive Income and Earnings - Total comprehensive income for Q1 2024 was 724.795 million yuan, a decrease compared to 770.989 million yuan in Q1 2023[44] - Basic and diluted earnings per share for Q1 2024 were 0.15 yuan, the same as in Q1 2023[44] Liquidity and High-Quality Assets - Liquidity coverage ratio stood at 811.89% as of March 31, 2024[89] - High-quality liquid assets totaled 58,247,692 thousand yuan as of March 31, 2024[89] - Net cash outflow over the next 30 days was 7,174,318 thousand yuan as of March 31, 2024[89] Other Financial Metrics - The company's non-current assets disposal loss was 46 thousand yuan, with government subsidies of 1.638 million yuan[54]

证券代码：600928 证券简称：西安银行 公告编号：2024-008 西安银行股份有限公司关于 收到陕西证监局行政监管措施决定书的公告 经查，你公司现任独立董事雎国余、廖志生截至 2022 年 11 月已 连续任职满 6 年。雎国余 2023 年 3 月向你公司提交辞职报告，但你 公司至今未完成独立董事的补选工作；廖志生明知连续任职已超 6 年， 仍继续任职并领取津贴，至今未向董事会提交书面辞职报告。 上述问题违反《上市公司独立董事管理办法》(证监会令第 220 号)第十三条、第十五条规定，根据《上市公司独立董事管理办法》 第四十四条规定，我局决定对你公司及独立董事廖志生采取责令改正 的监管措施。针对上述公司治理不规范问题，你们应自收到本决定书 之日起十五个工作日内向我局提交书面整改报告。 如对本监管措施不服，可以在收到本决定书之日起 60 日内向中 国证监会提出行政复议申请，也可以在收到本决定书之日起 6 个月内 向有管辖权的人民法院提起诉讼。复议和诉讼期间，上述监管措施不 停止执行。 二、相关说明 廖志生先生在任本公司独立董事期间，能够严格遵守相关法律法 规，忠实、勤勉、独立地履行相应职责，高度重视独立 ...

西安银行股份有限公司关于 召开 2023 年度业绩说明会的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担个别及连带责任。 证券代码：600928 证券简称：西安银行 公告编号：2024-007 三、出席人员 重要内容提示： 一、说明会类型 西安银行股份有限公司（以下简称"公司"）将于 2024 年 4 月 30 日披露 2023 年年度报告。为使广大投资者更加深入、全面了解公 司情况，本公司拟于 2024 年 4 月 30 日（星期二）通过网络互动方式 召开 2023 年度业绩说明会，就投资者普遍关心的问题进行交流。 二、说明会时间和形式 1、会议召开时间：2024 年 4 月 30 日（星期二）15：00-16：00 会议召开时间：2024 年 4 月 30 日（星期二）15：00-16：00 会 议 召 开 地 点 ： 上 海 证 券 报 · 中 国 证 券 网 ( 网 址 ： https://roadshow.cnstock.com） 会议召开方式：网络平台在线交流互动 投资者可于 2024 年 4 月 28 日（星期日） ...

独立董事：雎国余、廖志生、梁永明、李晓 2024年3月11日 根据《上海证券交易所股票上市规则》、《上市公司独立董事管理 办法》和《银行保险机构关联交易管理办法》等法律、行政法规、部 门规章和规范性文件，以及《西安银行股份有限公司章程》、《西安银 行股份有限公司关联交易管理办法》和《西安银行股份有限公司独立 董事工作规则》等有关规定，作为西安银行股份有限公司（以下简称 "公司"）的独立董事，我们对拟提交公司第六届董事会第十六次会 议审议的《西安银行关于与关联方西安经发控股（集团）有限责任公 司开展信贷业务合作的议案》进行了事前审阅，基于独立客观的立场， 本着审慎负责的态度，发表事前认可意见如下： 上述关联交易属于公司正常经营业务，对公司正常经营活动及财 务状况不会造成重大影响，符合国家法律、法规和公司有关制度的规 定，其定价遵循市场化原则，以不优于对非关联方同类交易的条件进 行，不存在损害公司、股东，特别是中小股东利益的情形。同意将《西 安银行关于与关联方西安经发控股（集团）有限责任公司开展信贷业 务合作的议案》提交董事会审议。 西安银行股份有限公司 独立董事关于关联交易的事前认可声明 ...

证券代码：600928 证券简称：西安银行 公告编号：2024-005 西安银行股份有限公司 第六届董事会第十六次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担个别及连带责任。 西安银行股份有限公司（以下简称"公司"）于 2024 年 3 月 4 日 以电子邮件及书面方式发出关于召开第六届董事会第十六次会议的 通知。会议于 2024 年 3 月 14 日在公司总部 4 楼第 1 会议室以现场方 式召开，梁邦海董事主持会议，本次会议应出席董事 11 名，实际出 席董事 11 名。公司股东大唐西市文化产业投资集团有限公司股权质 押比例超过 50%，根据监管规定对其提名的胡军董事在董事会上的表 决权进行了限制。公司部分监事及高级管理人员列席了会议。本次会 议的召开符合《中华人民共和国公司法》等法律法规和《西安银行股 份有限公司章程》的有关规定。会议所形成的决议合法、有效。 会议对如下议案进行了审议并表决： 一、审议通过了《西安银行股份有限公司 2023 年全面风险管理 评估报告》 表决结果：同意 10 票，反对 0 票，弃权 ...

独立董事：雎国余、廖志生、梁永明、李晓 2024年3月14日 根据《上海证券交易所股票上市规则》、《上市公司独立董事管理 办法》和《银行保险机构关联交易管理办法》等法律、行政法规、部 门规章和规范性文件，以及《西安银行股份有限公司章程》、《西安银 行股份有限公司关联交易管理办法》和《西安银行股份有限公司独立 董事工作规则》等有关规定，作为西安银行股份有限公司（以下简称 "公司"）的独立董事，基于独立客观的立场，本着审慎负责的态度， 我们对《西安银行关于与关联方西安经发控股（集团）有限责任公司 开展信贷业务合作的议案》发表独立意见如下： 上述关联交易基于公司正常经营业务开展需要，属于银行经营范 围内发生的常规业务，公司与关联方之间的交易遵循市场化定价原则， 以不优于对非关联方同类交易的条件进行，不存在损害公司、股东， 特别是中小股东利益的情形，符合关联交易管理的相关要求，不影响 公司的独立性，不会对公司的正常经营活动及财务状况造成重大影响。 上述议案已在公司第六届董事会第十六次会议上经非关联董事审议 通过，决策程序合法合规。 西安银行股份有限公司独立董事关于关联交易的独立意见 ...

证券代码：600928 证券简称：西安银行 公告编号：2024-006 西安银行股份有限公司（以下简称"公司"）于 2024 年 3 月 4 日 以电子邮件及书面方式发出关于召开第六届监事会第十一次会议的 通知，会议于 2024 年 3 月 14 日在公司总部 4 楼第 4 会议室以现场方 式召开，李超监事主持会议。本次会议应出席监事 6 名，实际出席监 事 6 名。本次会议的召开符合《中华人民共和国公司法》等法律法规 和《西安银行股份有限公司章程》的有关规定。 会议听取了本公司2023 年度内部审计工作报告及2024年工作计 划、2023 年流动性风险管理报告及 2024 年管理方案、2023 年负债质 量管理报告及 2024 年管理方案和 2024 年压力测试方案，以及 2023 年度内部控制评价、全面风险管理评估、信息科技管理、数据治理、 资本管理、反洗钱工作、消费者权益保护、案件防控、战略规划实施 等专项报告。 特此公告。 西安银行股份有限公司监事会 2024 年 3 月 15 日 西安银行股份有限公司 第六届监事会第十一次会议决议公告 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、 误导性 ...

证券代码：600928 证券简称：西安银行 公告编号：2024-004 西安银行股份有限公司关于推动公司"提质增效重回 报"暨部分高级管理人员增持公司股份的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担个别及连带责任。 重要内容提示 为践行"以投资者为本"的上市公司发展理念，维护西安银行 股份有限公司（以下简称"公司"）及全体股东利益，基于对公司未 来发展前景的信心和成长价值的认可，公司积极鼓励董事、监事、高 级管理人员以及中层管理人员以自有资金增持公司股份。 二、其他说明 （一）本次增持的高级管理人员承诺：上述所购股份自买入之日 起三年内不减持。 （二）本次增持符合相关法律法规、规范性文件及上海证券交易 所业务规则等有关规定。本公司将根据相关规定，对公司董事、监事 和高级管理人员增持的公司股份进行管理，并督促上述增持人员按照 有关规定买卖股票，及时履行信息披露义务。 （三）2024 年以来，基于对公司未来发展前景的信心和成长价 值的认可，本公司已有部分董事、监事和高级管理人员以及 40 余名 中层管理人员以自有资金通过二级市场 ...