北京商报讯（记者 宋亦桐）9月24日，西安银行发布公告，该行收到《陕西金融监管局关于曾光西安银 行行长助理任职资格的批复》，国家金融监督管理总局陕西监管局已核准曾光该行行长助理的任职资 格。 ...

证券代码：600928 证券简称：西安银行 公告编号：2025-050 西安银行股份有限公司关于高级管理人员 任职资格获监管机构核准的公告 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 担法律责任。 2025 年 9 月 24 日，西安银行股份有限公司（以下简称"公司"） 收到《陕西金融监管局关于曾光西安银行行长助理任职资格的批复》 （陕金监复[2025]231 号），国家金融监督管理总局陕西监管局已核 准曾光先生公司行长助理的任职资格。 曾光先生的简历详见公司于 2025 年 7 月 30 日在上海证券交易所 网站（www.sse.com.cn）披露的《西安银行股份有限公司第六届董事 会第二十九次会议决议公告》。 特此公告。 西安银行股份有限公司董事会 2025 年 9 月 25 日 ...

Market Performance - The city commercial bank sector increased by 1.64% on September 24, with Qilu Bank leading the gains [1] - The Shanghai Composite Index closed at 3853.64, up 0.83%, while the Shenzhen Component Index closed at 13356.14, up 1.8% [1] Individual Stock Performance - Qilu Bank closed at 5.87, with a rise of 1.73% and a trading volume of 1.0666 million shares, amounting to a transaction value of 624 million yuan [1] - Hangzhou Bank closed at 15.32, up 0.66%, with a trading volume of 451,600 shares and a transaction value of 691 million yuan [1] - Zhengzhou Bank closed at 2.03, up 0.50%, with a trading volume of 920,500 shares and a transaction value of 18.7 million yuan [1] - Nanjing Bank closed at 11.01, up 0.46%, with a trading volume of 1.7333 million shares and a transaction value of 806 million yuan [1] - Other banks such as Changsha Bank, Ningbo Bank, and Qingdao Bank also showed slight increases in their stock prices [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 69.1764 million yuan from institutional investors, while retail investors saw a net inflow of 55.8208 million yuan [2] - The overall capital flow indicates a mixed sentiment, with institutional investors withdrawing funds while retail investors continued to invest [2] Detailed Capital Flow for Selected Banks - Ningbo Bank had a net inflow of 74.388 million yuan from institutional investors, but a net outflow of 51.098 million yuan from speculative funds [3] - Shanghai Bank saw a net inflow of 17.1761 million yuan from institutional investors, while retail investors had a net outflow of 30.1701 million yuan [3] - Chengdu Bank experienced a net inflow of 16.3117 million yuan from institutional investors, with a net outflow from retail investors [3]

Core Viewpoint - The Federal Reserve's recent decision to lower the federal funds rate target range by 25 basis points to 4.00%-4.25% has prompted significant attention towards the domestic dollar deposit rates in China, with many banks beginning to adjust their rates downward in response to the Fed's actions [1][4]. Group 1: Current Dollar Deposit Rates - Various banks in China are currently offering dollar deposit rates above 3%, with some products still maintaining attractive rates [3]. - For instance, Jiangsu Bank offers a 1-year dollar deposit rate of 3% with a minimum deposit of $5,000, while other banks like Guangfa Bank and Chongqing Bank provide rates as high as 3.4% and 3.95% respectively for higher deposit amounts [3][4]. - Foreign banks, such as Standard Chartered, are also maintaining relatively stable rates, with their 1-year dollar deposit rate reaching up to 3.6% [3]. Group 2: Rate Adjustments Post-Fed Decision - Several banks have already initiated rate cuts following the Fed's announcement, with Huashang Bank reducing its short-term dollar deposit rates by 25 basis points across various terms [4]. - Xi'an Bank plans to lower its dollar deposit rates by the end of September, with significant reductions across all terms [4]. - Guangdong Huaxing Bank has already completed its rate adjustments, with the 1-year rate for deposits over $100,000 now at 3.9% [4]. Group 3: Future Rate Trends - Experts predict a downward trend in dollar deposit rates due to the Fed's actions, with expectations of further rate cuts in the coming years [6]. - The Chief Economist at CITIC Securities suggests that domestic banks will likely lower their dollar deposit rates to reduce liability costs, although the timing may vary based on individual bank circumstances [6]. - Predictions indicate that the Fed may implement two more rate cuts by 2025, which could further pressure domestic dollar deposit rates [6]. Group 4: Consumer Behavior and Considerations - Some consumers are taking proactive measures to secure higher rates before anticipated cuts, while others remain cautious and rational in their approach to dollar deposits [7]. - The current exchange rate of 1 USD to 7.1173 CNY indicates a strengthening of the yuan, which could impact the real returns on dollar deposits if the trend continues [7]. - There is an expectation that state-owned banks will eventually follow suit with rate adjustments, as market expectations are forming around this possibility [7].

证券日报网讯 9月23日晚间，西安银行发布公告称，西安金融控股有限公司（以下简称"西安金控"）持 有西安银行股份有限公司（以下简称"公司"）113，610，169股股份，占公司总股本的2.56%。西安金控 本次质押公司股份26，800，000股。 （文章来源：证券日报） ...

担保或其他保障用途。 股东 名称 是否为控 股股东 本次质押股 数（股） 是否为 限售股 是否补 充质押 质押起始 日 质押到期 日 质权人 占其所持股 份比例（%） 占公司总股 本比例（%） 质押融资 资金用途 西安 金控 否 26,800,000 否 否 2025 年 9 月 22 日 - 陕西信用增 进投资股份 有限公司 23.59% 0.60% 补充流动 资金 合计 - 26,800,000 - - - - - 23.59% 0.60% - 1、本次股份质押基本情况 证券代码：600928 证券简称：西安银行 公告编号：2025-049 西安银行股份有限公司 关于股东股份质押的公告 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 担法律责任。 重要内容提示 西安金融控股有限公司（以下简称"西安金控"）持有西安银 行股份有限公司（以下简称"公司"）113,610,169股股份，占公司 总股本的2.56%。西安金控本次质押公司股份26,800,000股，占其持 有公司股份的23.59%，占公司股份总数的0.60%。西安金控本次质押 股 ...

此次推出商业养老金代销业务，有望进一步提升养老金融服务的覆盖面，丰富养老金融供给，支持备老 群体做好养老资金储备和财富规划。 助力养老财富积累，满足养老投资多元需求 商业养老金属于国家重点推动的养老第三支柱中的创新型商业养老保险产品，将养老规划、资金管理与 保险产品相结合，以投资积累养老金为主要功能，为客户提供全生命周期的养老资金稳健管理服务。 其采用"锁定账户+持续账户"的双账户管理模式，锁定养老子账户管理长期养老储备，加速养老金积 累，持续养老子账户可在养老储备的同时满足客户资金支出需求，很好地平衡客户养老保障和支出需 要。在领取方式上，客户年满60周岁后可对锁定账户内资金设定定额分期、定期分期等养老金领取方 式，充分满足不同群体的养老资金领取需求。 自2023年1月商业养老金试点启动以来，历经两年多的发展，商业养老金试点成绩斐然，其快速增长的 背后，得益于国家政策的大力支持和商业养老金产品的自身优势，也反映出我国老龄化进程加快的背景 下，人民群众对养老金储备的迫切需求。 西安银行此次与国寿养老和太平养老开展合作，代理销售其发行的期限保本型商业养老金产品。该类产 品兼具稳健性和收益性，客户每笔交费资金持有 ...

Investment Rating - The report maintains a positive outlook on the banking sector, suggesting potential investment opportunities due to favorable policy catalysts and improving fundamentals in certain banks [12]. Core Insights - The report highlights the adequacy of loan loss provisions among listed banks, with a provision coverage ratio of 70.8% for Stage 3 loans, indicating limited future impact on profits [2][12]. - It emphasizes the improvement in asset quality, particularly in Stage 3 loans, with notable reductions in the proportion of such loans for several banks compared to the end of Q4 2024 [1][2]. - The report suggests a focus on banks with positive fundamental changes and continuous improvement in financial statements, recommending specific banks for investment [12]. Summary by Sections 1. Loan Quality and Provisioning - The proportion of Stage 3 loans is relatively low for banks like Chengdu Bank (0.66%) and Ningbo Bank (0.76) [1]. - Significant improvements in Stage 3 loan ratios were observed for Chongqing Bank (-61bp) and Guiyang Bank (-48bp) compared to Q4 2024 [1]. - The provision coverage for Stage 3 loans is high, with leading banks like Qingnong Bank (4.35%) and Yunan Bank (4.16%) showing strong provisioning ratios [2]. 2. Financial Assets - The proportion of Stage 3 financial assets is low, with most banks not exceeding 0.05%, indicating manageable asset quality pressure [4]. - The report notes that the provision coverage for financial investments is also robust, with Zhejiang Bank (3.16%) and Qingdao Bank (2.85%) leading in provisioning ratios [8]. 3. Sector Outlook - The report anticipates that expansionary policies aimed at stabilizing the economy will benefit the banking sector, with a focus on banks like Ningbo Bank and Jiangsu Bank for potential investment [12]. - It highlights the ongoing economic recovery and the potential for interest rate cuts, suggesting a sustained dividend strategy for certain banks [12].

西安银行股份有限公司 2025 年第三次临时股东大会 会议材料 （股票代码：600928） 2025 年 9 月 26 日·西安 2025 年第三次临时股东大会会议材料 | 目 录 | | --- | | 目 | | 录 | 2 | | --- | --- | --- | --- | | 会 | 议 | 议 程 | 3 | | 会 | 议 | 须 知 | 4 | | 西安银行股份有限公司关于不再设立监事会相关事项的议案 | | | 6 | | 关于修订《西安银行股份有限公司章程》的议案 | | | 8 | | 关于修订《西安银行股份有限公司股东大会议事规则》的议案 | | | 93 | | 关于修订《西安银行股份有限公司董事会议事规则》的议案 | | | 113 | 2 2025 年第三次临时股东大会会议材料 八、宣布现场表决结果 九、律师宣读法律意见书 2025 年第三次临时股东大会会议材料 时 间：2025 年 9 月 26 日（星期五）上午 9：30 地 点：陕西省西安市高新路 60 号西安银行大厦三楼会议室 会 议 议 程 召开方式：现场会议+网络投票 召 集 人：公司董事会 七、投票表决 3 一、宣 ...

Market Overview - On September 15, the city commercial bank sector declined by 0.85% compared to the previous trading day, with Xi'an Bank leading the decline [1] - The Shanghai Composite Index closed at 3860.5, down 0.26%, while the Shenzhen Component Index closed at 13005.77, up 0.63% [1] Individual Bank Performance - Zhengzhou Bank closed at 2.07, up 0.98% with a trading volume of 1.38 million shares and a transaction value of 286 million yuan [1] - Xi'an Bank closed at 4.19, down 1.87% with a trading volume of 438,000 shares and a transaction value of 184 million yuan [2] - The highest decline was observed in Chengdu Bank, which closed at 18.07, down 0.93% [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 797 million yuan from institutional investors, while retail investors saw a net inflow of 348 million yuan [2] - The main capital inflow and outflow for individual banks varied, with Hangzhou Bank seeing a net inflow of 61.64 million yuan from institutional investors [3] - Conversely, Suzhou Bank experienced a net outflow of 11.76 million yuan from institutional investors [3]