单位：千元 证券代码：600928 证券简称：西安银行 公告编号：2022-013 西安银行股份有限公司 2022 年第一季度报告 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： ● 本公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容 的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别 和连带的法律责任。 ● 本公司第五届董事会第五十五次会议于2022年4月28日审议通过了本季 度报告。本次董事会会议应到董事11名，实到董事10名，巩宝生董事缺席会议。 公司7名监事列席了会议。 ● 本公司董事长郭军、行长梁邦海、主管财务工作的副行长黄长松以及财 务部门负责人蔡越保证季度报告中财务报表的真实、准确、完整。 ● 本公司2022年第一季度报告中的财务报表未经审计。 一、主要财务数据 （一）主要会计数据和财务指标 项目 2022 年 1-3 月 2021 年 1-3 月 同比变动 营业收入 1,543,037 1,893,709 (18.52%) 1 | --- | --- | ...

单位：千元 证券代码：600928 证券简称：西安银行 公告编号：2021-034 西安银行股份有限公司 2021 年第三季度报告 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： ● 本公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容 的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别 和连带的法律责任。 ● 本公司第五届董事会第五十一次会议于2021年10月28日审议通过了本季 度报告。本次董事会会议应到董事11名，实到董事10名，巩宝生董事缺席会议。 公司7名监事列席了会议。 ●本公司董事长郭军、行长梁邦海、主管财务工作的副行长黄长松以及财务 部门负责人蔡越保证季度报告中财务报表的真实、准确、完整。 ● 本公司2021年第三季度报告中的财务报表未经审计。 一、主要财务数据 （一）主要会计数据和财务指标 项目 2021 年 7-9 月 同比变动 2021 年 1-9 月 同比变动 营业收入 1,751,541 (1.79%) 5,306,937 3.07% 1 | -- ...

西安银行股份有限公司 BANK OF XI'AN CO.,LTD. 2021 年半年度报告 （股票代码：600928） 二〇二一年八月 重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内 容的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个 别和连带的法律责任。 二、本公司第五届董事会第四十九次会议于2021年8月27日审议通过了2021 年半年度报告及摘要。本次董事会会议应到董事11名，实到董事10名，巩宝生董 事缺席会议。公司7名监事列席了会议。 三、本公司半年度报告未经审计，但已经毕马威华振会计师事务所（特殊普 通合伙）审阅并出具了审阅报告。 四、本公司董事长郭军、行长梁邦海、主管财务工作的副行长黄长松以及财 务部门负责人蔡越保证半年度报告中财务报告的真实、准确、完整。 五、本报告期不进行利润分配，不实施公积金转增股本。 六、前瞻性陈述的风险声明：本报告所涉及的未来计划、发展战略等前瞻性 陈述不构成公司对投资者的实质承诺，投资者及相关人士均应当对此保持足够的 风险认识，并且应当理解计划、预测与承诺之间的差异。 七、本公司不存在被控股股东及其关联方非经营性占用资 ...

西安银行股份有限公司 BANK OF XI'AN CO.,LTD. 2021 年第一季度报告 （股票代码：600928） 二〇二一年四月 目 录 | --- | |------------------------------------------------------------------------------------------------------------------------------| | | | 一、重要提示 ............................................................................................................ | | 二、公司基本情况 .................................................................................................... | | 三、公司季度经营情况分析 ................................................. ...

西安银行股份有限公司 BANK OF XI'AN CO.,LTD. 2020 年年度报告 （股票代码：600928） 二〇二一年四月 重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证年度报告内容 的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别 和连带的法律责任。 二、本公司第五届董事会第四十七次会议于2021年4月29日审议通过了本年 度报告及摘要。本次董事会会议应到董事11名，实到董事10名，巩宝生董事缺席 会议。公司8名监事列席了会议。 三、本公司年度财务会计报告已经毕马威华振会计师事务所（特殊普通合伙） 审计，并出具了标准无保留意见的审计报告。 四、本公司董事长郭军、行长梁邦海、主管财务工作的副行长黄长松以及财 务部门负责人蔡越保证年度报告中财务报告的真实、准确、完整。 五、经董事会审议的报告期利润分配预案：以总股本4,444,444,445股为基 数，向全体股东每10股分配现金股利1.90元人民币（含税），合计分配现金股利 8.44亿元（含税）。上述预案尚待股东大会批准。 六、前瞻性陈述的风险声明：本报告所涉及的未来计划、发展战略等前瞻性 陈述不构成公司对投资者 ...

西安银行股份有限公司 BANK OF XI'AN CO.,LTD. 2021 年第一季度报告 （股票代码：600928） 二〇二一年四月 目 录 | --- | |----------------------------| | | | 一、重要提示 . | | 二、公司基本情况 . | | 三、公司季度经营情况分析 … | | 四、重要事项 | | 五、补充信息与数据 | | 六、附录 . | 单位：千元 2 西安银行股份有限公司 2021 年第一季度报告 一、重要提示 1.1 本公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容 的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别 和连带的法律责任。 1.2 本公司第五届董事会第四十七次会议于2021年4月29日审议通过了本季 度报告。本次董事会会议应到董事11名，实到董事10名，巩宝生董事缺席会议。 公司8名监事列席了会议。 1.3 本公司董事长郭军、行长梁邦海、主管财务工作的副行长黄长松以及财 务部门负责人蔡越保证季度报告中财务报表的真实、准确、完整。 1.4 本公司2021年第一季度报告中的财务报表未经审计。 二、公司基本 ...

Financial Performance - Net profit attributable to ordinary shareholders was CNY 1.99 billion for the first nine months of 2020, a decrease of 1.00% year-on-year[8] - Basic earnings per share decreased to CNY 0.45, down 2.17% from the same period last year[9] - The net profit for the nine months ended September 30, 2020, was RMB 1,990,601 thousand, a slight decrease from RMB 2,011,387 thousand for the same period in 2019, reflecting a decline of about 1.0%[38] - The group reported a total operating income of RMB 5,148,890 thousand for the nine months ended September 30, 2020, compared to RMB 5,119,448 thousand for the same period in 2019, showing a marginal increase of about 0.6%[38] - The group’s total comprehensive income for the nine months ended September 30, 2020, was RMB 1,935,489 thousand, down from RMB 2,104,356 thousand for the same period in 2019, indicating a decline of approximately 8.0%[41] Asset and Liability Management - Total assets reached CNY 303.35 billion as of September 30, 2020, an increase of 9.01% compared to the end of 2019[8] - Total liabilities rose to CNY 278,574,112 thousand, compared to CNY 254,615,146 thousand at the end of 2019, marking an increase of 9.4%[20] - The total assets of the group as of September 30, 2020, were RMB 303,354,220 thousand, up from RMB 278,282,722 thousand as of December 31, 2019, marking an increase of around 9.0%[35] - As of September 30, 2020, the total liabilities of the group amounted to RMB 278,574,112 thousand, an increase from RMB 254,615,146 thousand as of December 31, 2019, representing a growth of approximately 9.4%[32] Deposits and Loans - The total deposits increased to CNY 202.33 billion, reflecting a growth of 19.20% year-to-date[14] - Total deposits reached CNY 202,326,603 thousand, up from CNY 169,735,771 thousand, reflecting a growth of 19.2%[20] - The bank's total loans and advances amounted to CNY 169,170,376 thousand, an increase from CNY 153,031,836 thousand, representing a growth of 10.5%[22] - The net increase in deposits from customers was RMB 32,590,832 thousand, significantly higher than RMB 7,185,305 thousand in the same period of 2019[44] Risk Management - The non-performing loan ratio remained stable at 1.18%, unchanged from the end of the previous year[14] - The non-performing loan ratio remained stable at 1.18% as of September 30, 2020, unchanged from the previous period[22] - The provision coverage ratio improved to 271.42%, an increase of 9.01 percentage points compared to the end of 2019[14] - The provision coverage ratio improved to 271.42% from 262.41% in the previous year, indicating better risk management[22] - The group’s credit impairment losses for the nine months ended September 30, 2020, were RMB 1,576,047 thousand, compared to RMB 1,394,902 thousand for the same period in 2019, reflecting an increase of about 13.0%[38] Cash Flow - The company reported a net cash flow from operating activities of CNY 27.84 billion, a significant improvement from a negative cash flow of CNY 1.50 billion in the same period last year[8] - The net cash flow from operating activities for the group from January 1 to September 30, 2020, was RMB 27,839,477 thousand, compared to a net cash outflow of RMB 1,502,189 thousand in the same period of 2019[47] - The total cash inflow from investment activities was RMB 17,497,313 thousand, down from RMB 28,736,344 thousand in the same period of 2019, resulting in a net cash outflow of RMB 7,000,922 thousand for investment activities[50] - The cash inflow from financing activities was RMB 38,033,888 thousand, while the cash outflow was RMB 57,244,761 thousand, leading to a net cash outflow of RMB 19,210,873 thousand[52] Shareholder Information - The total number of shareholders reached 80,888 by the end of the reporting period[10] - The bank's equity attributable to shareholders increased to CNY 24,780,108 thousand from CNY 23,667,576 thousand, reflecting a growth of 4.7%[20] - The group’s total equity as of September 30, 2020, was RMB 24,780,108 thousand, an increase from RMB 23,667,576 thousand as of December 31, 2019, representing a growth of approximately 4.7%[35]

西安银行股份有限公司 BANK OF XI'AN CO.,LTD. 2020 年半年度报告 （股票代码：600928） 二〇二〇年八月 重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内 容的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个 别和连带的法律责任。 二、本公司第五届董事会第四十次会议于2020年8月27日审议通过了本半年 度报告及摘要。本次董事会会议应到董事12名，实到董事11名，巩宝生董事缺席 会议。公司9名监事列席了会议。 三、本公司半年度报告未经审计，但已经毕马威华振会计师事务所（特殊普 通合伙）审阅并出具了审阅报告。 四、本公司董事长郭军、主管财务工作的副行长黄长松以及财务部门负责人 蔡越保证半年度报告中财务报告的真实、准确、完整。 五、本报告期不进行利润分配，不实施公积金转增股本。 六、前瞻性陈述的风险声明：本报告所涉及的未来计划、发展战略等前瞻性 陈述不构成公司对投资者的实质承诺，投资者及相关人士均应当对此保持足够的 风险认识，并且应当理解计划、预测与承诺之间的差异。 七、本公司不存在被控股股东及其关联方非经营性占用资金的情况。 八、本公司 ...

Financial Performance - Total assets reached CNY 278.283 billion, an increase of 14.29% compared to the previous year[7] - Total profit amounted to CNY 3.191 billion, representing a year-on-year growth of 9.86%[7] - Total operating income for 2019 reached CNY 6,845,299, an increase of 14.55% compared to CNY 5,975,733 in 2018[26] - Net profit attributable to shareholders for 2019 was CNY 2,674,990, reflecting a growth of 13.27% from CNY 2,361,568 in 2018[26] - The bank's total profit for 2019 was CNY 3,190,664, marking a 9.86% increase from CNY 2,904,212 in 2018[26] - The company achieved operating revenue of 6.845 billion yuan, a year-on-year increase of 14.55%[84] - Net profit attributable to shareholders reached 2.675 billion yuan, up 13.27% year-on-year[84] Asset Quality and Risk Management - Non-performing loan ratio was 1.18%, a decrease of 0.02 percentage points from the end of the previous year[7] - Emphasis on risk management and control, particularly in credit risk and asset management[9] - The company maintained a strong asset quality with a continuous improvement in non-performing loan disposal efforts[83] - The company has strengthened its risk management framework, focusing on comprehensive risk governance and compliance systems[83] - The company continues to enhance its risk management framework, implementing a "three lines of defense" model to manage risks effectively[185] - The company has strengthened its credit risk management by optimizing credit structures and promoting green credit initiatives[188] Digital Transformation and Innovation - Plans to leverage emerging technologies to build a digital banking model and improve online business capabilities[9] - The company is enhancing its digital banking capabilities, focusing on big data and internet finance technology platforms[81] - The bank's digital transformation efforts included the implementation of AI and big data technologies to enhance customer engagement and service delivery[66] - The company is actively developing a "data + algorithm" intelligent risk control capability to support internet credit business innovation[71] - The company is committed to continuous innovation in wealth management products and services, enhancing customer satisfaction through differentiated strategies[183] Customer and Market Focus - Focus on developing inclusive finance and reducing financing costs for small and micro enterprises[8] - The company aims to integrate financial services into various business scenarios through an open banking model and OpenAPI technology[71] - The bank provided financial support of CNY 6,736 million for key provincial and municipal projects and enterprises in 2019[52] - The balance of small and micro enterprise loans was CNY 22.18 billion, with a total of 7,931 clients, and new loans issued during the reporting period amounted to CNY 13.62 billion[59] Capital and Funding - Cash dividend distribution proposed at CNY 1.85 per 10 shares, totaling CNY 822 million[4] - The capital adequacy ratio increased to 14.85%, up 0.68 percentage points from 14.17%[32] - The liquidity coverage ratio significantly increased to 437.60% as of December 31, 2019, compared to 246.96% in the previous quarter[44] - The company issued CNY 4 billion in special financial bonds for small and micro enterprises, supporting their financing needs[80] Awards and Recognition - The bank ranked first among urban commercial banks with asset sizes between CNY 200 billion and CNY 300 billion in the 2019 China Commercial Bank Competitiveness Ranking[24] - The bank received the "Best Financial Innovation Award" in 2019 from The Banker magazine, highlighting its commitment to innovation[24] - The bank's mobile banking services were recognized with the "Mobile Banking Innovation Pioneer Award" in 2019, showcasing advancements in digital banking[25] Operational Metrics - Total liabilities rose to 254,615,146, reflecting a 13.92% increase from 223,496,030[27] - Total deposits reached 169,735,771, an 8.82% increase compared to 155,977,123[27] - Basic earnings per share rose to 0.61, a 3.39% increase from 0.59[30] - The bank's leverage ratio stood at 8.21% as of December 31, 2019, down from 8.43% in the previous quarter[44]

Financial Performance - The net profit attributable to shareholders of the parent company was CNY 770.17 million, reflecting a year-on-year increase of 10.10%[7]. - Operating income for the first quarter of 2020 was CNY 1.76 billion, up 3.55% from the same period in 2019[7]. - The company reported a net cash flow from operating activities of CNY 1.40 billion, a significant recovery from a negative cash flow in the same period last year[7]. - The net profit for the group for the three months ended March 31, 2020, was RMB 769,169 thousand, an increase from RMB 700,803 thousand in the same period of 2019, representing a growth of approximately 9.7%[41]. - The net interest income for the group was RMB 1,433,626 thousand for the first quarter of 2020, compared to RMB 1,337,244 thousand in the same period of 2019, reflecting an increase of about 7.2%[41]. - The group reported a total operating income of RMB 1,757,803 thousand for the first quarter of 2020, compared to RMB 1,697,518 thousand in the same period of 2019, which is an increase of approximately 3.5%[41]. - The group’s total comprehensive income for the first quarter of 2020 was RMB 838,810 thousand, compared to RMB 812,629 thousand in the same period of 2019, indicating an increase of about 3.2%[44]. Asset and Liability Management - As of March 31, 2020, total assets reached CNY 281.17 billion, an increase of 1.02% compared to the end of 2019[7]. - The total assets of the company as of March 31, 2020, were CNY 281,116,525 thousand, an increase from CNY 278,282,722 thousand as of December 31, 2019[20]. - The total liabilities of the company were CNY 256,610,139 thousand, compared to CNY 254,615,146 thousand at the end of the previous year[22]. - The total liabilities of the group as of March 31, 2020, amounted to RMB 256,610,139 thousand, up from RMB 254,615,146 thousand at the end of 2019, indicating a growth of approximately 0.8%[35]. - The total equity increased to CNY 24,506,386 thousand from CNY 23,667,576 thousand, marking a growth of 3.54%[22]. - The total equity attributable to shareholders of the bank was RMB 24,450,621 thousand as of March 31, 2020, compared to RMB 23,610,775 thousand at the end of 2019, marking an increase of about 3.6%[38]. Loan and Deposit Growth - Total deposits amounted to CNY 1720.39 billion, with a growth of 1.36% since the beginning of the year[16]. - Total loans reached CNY 1581.94 billion, marking a 3.37% increase from the start of the year[16]. - The total loans and advances amounted to CNY 158,194,423 thousand, up from CNY 153,031,836 thousand, representing a growth of 3.84%[20]. - The group’s net increase in deposits was RMB 2,303,337 thousand, a substantial rise from RMB 52,826 thousand in the same period last year[47]. Credit Quality and Risk Management - The non-performing loan ratio stood at 1.17%, a decrease of 0.01 percentage points from the end of the previous year[16]. - The provision coverage ratio improved to 271.36%, an increase of 8.95 percentage points compared to the end of 2019[16]. - The core tier 1 capital adequacy ratio improved to 12.84% from 12.62% year-over-year[23]. - The non-performing loan ratio slightly decreased to 1.17% from 1.18%[28]. - The group’s credit impairment losses for the first quarter of 2020 were RMB 446,620 thousand, compared to RMB 433,861 thousand in the same period of 2019, reflecting an increase of approximately 2.0%[41]. Cash Flow Analysis - The net cash flow from operating activities for the group was RMB 1,395,211 thousand, compared to a net outflow of RMB 290,208 thousand in the same period last year[47]. - Total cash inflow from operating activities amounted to RMB 8,650,858 thousand, an increase from RMB 7,548,811 thousand year-on-year[47]. - The net cash flow from investment activities was a negative RMB 924,999 thousand, compared to a negative RMB 4,435,294 thousand in the previous year[50]. - Cash inflow from financing activities was RMB 14,267,922 thousand, down from RMB 17,298,314 thousand in the same period last year[50]. - The net cash flow from financing activities was a negative RMB 4,022,584 thousand, contrasting with a positive RMB 5,257,752 thousand in the previous year[50]. - The total cash and cash equivalents at the end of the period were RMB 8,694,399 thousand, down from RMB 10,422,796 thousand year-on-year[53]. - The group recorded a net decrease in cash and cash equivalents of RMB 3,552,372 thousand during the period[53]. - The total cash inflow from investment activities was RMB 2,456,832 thousand, significantly lower than RMB 7,861,335 thousand in the previous year[50]. Expense Management - The company experienced a 48.29% decrease in commission and fee expenses, reflecting a reduction in transaction volumes[18]. - The group’s fee and commission income for the first quarter of 2020 was RMB 125,324 thousand, down from RMB 176,846 thousand in the same period of 2019, representing a decrease of about 29.1%[41]. - The cash received from interest, fees, and commissions was RMB 3,090,683 thousand, compared to RMB 2,760,773 thousand in the previous year[47].