西安银行股份有限公司 证券代码：600928 证券简称：西安银行 公告编号：2023-035 表决结果：同意 10 票，反对 0 票，弃权 0 票。 由于郭军董事长已到退休年龄，董事会同意在选聘新任董事长并 获得监管资格批复正式履职前，暂由执行董事、行长梁邦海先生代为 履行董事长和公司法定代表人的相关职责和义务。 特此公告。 西安银行股份有限公司董事会 2023 年 9 月 26 日 第六届董事会第十二次会议决议公告 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 2023 年 9 月 22 日以电子邮件及书面方式发出关于召开第六届董事会第十二次会议 的通知。会议于 2023 年 9 月 25 日在公司总部 4 楼第 1 会议室以现场 方式召开。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。本次 会议的召开符合《中华人民共和国公司法》等法律 ...

郭军先生自 2007 年起担任西安银行党委副书记、行长，自 2015 年起担任西安银行党委书记、董事长，是西安银行长期稳健发展的带 领者和实践者。任职期间，郭军先生恪尽职守、求真务实、锐意进取， 为西安银行的转型升级、跨越发展做出了重大贡献。 在郭军先生的带领下，西安银行以政治建设为统领，坚决贯彻落 实党中央、陕西省委和西安市委的各项决策部署，严守货币政策与监 管要求，主动融入国家、区域发展战略，书写了西安银行与区域经济 同频共振、同向发力、同步前行的高质量发展答卷。 在郭军先生的带领下，西安银行规划了高质量发展的蓝图，相继 完成了财务重组、企业更名、战略引资和发行上市等一系列战略突破， 实现了从小到大，由弱变强，从居于一隅到覆盖区域的跨越式发展， 并于 2019 年成为西北首家、陕西唯一一家 A 股上市城商行。 证券代码：600928 证券简称：西安银行 公告编号：2023-033 西安银行股份有限公司关于董事长辞任的公告 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。 西安银行股份有限公司（以下简称"公司"）董事长 ...

证券代码：600928 证券简称：西安银行 公告编号：2023-036 西安银行股份有限公司 第六届监事会第八次会议决议公告 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 2023 年 9 月 22 日以电子邮件及书面方式发出关于召开第六届监事会第八次会议的 通知，会议于 2023 年 9 月 25 日在公司总部 4 楼第 4 会议室以现场方 式召开。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。会议所形成的决议合法、有效。 会议审议并表决通过了《西安银行股份有限公司关于推举监事会 会议召集人和主持人的议案》。 表决结果：同意 6 票，反对 0 票，弃权 0 票。 由于李富国监事长已到退休年龄，监事会同意在选聘新任监事长 前，暂由李超监事负责召集和主持监事会会议。 特此公告。 西安银行股份有限公司监事会 2023 年 9 月 26 日 ...

西安银行股份有限公司（以下简称"公司"）接到副行长狄浩增 持公司股份的通知，现将相关情况公告如下： 一、本次增持的基本情况 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。 （一）增持主体：副行长狄浩先生。 （二）增持目的：基于对公司未来发展前景的信心和成长价值的 认可。 （三）增持时间：2023 年 9 月 15 日至 9 月 18 日。 证券代码：600928 证券简称：西安银行 公告编号：2023-032 西安银行股份有限公司关于 （四）增持数量：本次合计增持公司股份 216,500 股，占公司总 股本的 0.0049%。 （一）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。 （五）增持价格区间：3.57-3.65 元/股。 （二）狄浩先生承诺：上述所购股份自买入之日起三年内不减持。 （六）增持方式：通过上海证券交易所交易系统以集中竞价方式 增持。 （三）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 ...

证券代码：600928 证券简称：西安银行 公告编号：2023-031 西安银行股份有限公司关于 职工监事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。 西安银行股份有限公司（以下简称"公司"）接到职工监事马莉 增持公司股份的通知，现将相关情况公告如下： 一、本次增持的基本情况 （一）增持主体：职工监事马莉女士。 （二）增持目的：基于对公司未来发展前景的信心和成长价值的 认可。 （三）增持时间：2023 年 9 月 5 日。 （四）增持数量：本次合计增持公司股份 15,000 股，占公司总 股本的 0.0003%。 （五）增持价格：3.65 元/股。 （六）增持方式：通过上海证券交易所交易系统以集中竞价方式 增持。 （七）资金来源：自有资金。 （八）本次增持前后持股变动情况：马莉女士本次增持前持有股 份 32,203 股，本次增持后持有股份 47,203 股，占公司总股本的 0.0011%。 2023 年 9 月 6 日 二、其他说明 （一）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 ...

证券代码：600928 证券简称：西安银行 公告编号：2023-030 （四）增持数量：石小云女士本次合计增持公司股份 70,000 股， 占公司总股本的 0.0016%；赫勇先生本次合计增持公司股份 65,300 股，占公司总股本的 0.0015%。 （五）增持价格区间：3.63--3.75 元/股 西安银行股份有限公司关于 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。 西安银行股份有限公司（以下简称"公司"）接到部分高级管理 人员增持公司股份的通知，现将相关情况公告如下： 一、本次增持的基本情况 （一）增持主体：董事会秘书石小云女士、副行长赫勇先生。 （二）增持目的：基于对公司未来发展前景的信心和成长价值的 认可。 （三）增持时间：2023 年 9 月 1 日--9 月 4 日。 西安银行股份有限公司董事会 2023 年 9 月 4 日 （六）增持方式：通过上海证券交易所交易系统以集中竞价方式 增持。 （七）资金来源：自有资金。 （八）本次增持前后持股变动情况：石小云女士本次增 ...

Financial Performance - The net cash flow from operating activities for the first half of 2023 was negative at (828,371) thousand yuan, compared to 21,066,164 thousand yuan in the same period of 2022[45]. - Investment income increased by 54.48% year-on-year, reaching 531,519 thousand yuan in the first half of 2023, up from 344,064 thousand yuan in the same period of 2022[47]. - The total equity attributable to shareholders increased by 2.49% to 29,912,716 thousand yuan as of June 30, 2023, compared to 29,185,539 thousand yuan at the end of 2022[45]. - The group reported a net profit of RMB 1,374,118 thousand for the first half of 2023, compared to RMB 1,309,448 thousand in the same period of 2022, marking a growth of about 4.9%[73]. - The total comprehensive income for the group for the first half of 2023 was RMB 1,462,682 thousand, slightly down from RMB 1,484,120 thousand in the same period of 2022[103]. - The net profit for the group for the six months ended June 30, 2023, was RMB 1,333,942 thousand, an increase from RMB 1,228,339 thousand in the same period of 2022, representing a growth of approximately 8.6%[101]. - The total comprehensive income for the first half of 2023 was RMB 1,458,143 thousand, compared to RMB 2,489,122 thousand for the entire year of 2022[117]. Asset and Liability Management - The bank's total assets as of June 30, 2023, were RMB 24,701,192 thousand, an increase from RMB 16,918,873 thousand at the end of June 2022, representing a growth of approximately 46.0%[87]. - The bank's total assets as of June 30, 2023, are CNY 77.86 billion, with total liabilities of CNY 74.45 billion and net assets of CNY 3.41 billion[184]. - The total liabilities and shareholders' equity of the bank reached RMB 418,134,410 thousand as of June 30, 2023, up from RMB 402,773,867 thousand at the end of 2022, indicating a growth of approximately 3.8%[96]. - The bank's total equity as of June 30, 2023, was RMB 29,977,312 thousand, reflecting an increase from RMB 28,242,002 thousand as of June 30, 2022[140]. Loan and Credit Management - The overdue loans over 90 days and non-performing loan ratio stood at 87.05%[42]. - The non-performing loan balance as of June 30, 2023, is CNY 2.477 billion, with a non-performing loan ratio of 1.25%, unchanged from the end of the previous year[167]. - The total loan amount classified as normal is CNY 190.39 billion, accounting for 95.70% of total loans, while the special mention loans amount to CNY 6.08 billion, representing 3.05%[167]. - The overdue loans total CNY 4.01 billion, accounting for 2.02% of total loans, compared to CNY 4.54 billion (2.39%) at the end of 2022[169]. - The bank's credit impairment losses were RMB 1,105,418 thousand, slightly higher than RMB 1,087,002 thousand in the same period last year, reflecting an increase of about 1.5%[73]. - The normal loan migration rate increased to 2.39% as of June 30, 2023, compared to 1.88% at the end of 2022 and 1.54% at the end of 2021[191]. Cash Flow Management - The group’s cash flow from operating activities totaled RMB 19,020,072 thousand, down from RMB 33,789,353 thousand in the first half of 2022, a decrease of approximately 43.7%[80]. - Cash flow from financing activities generated a net inflow of RMB 6,898,465 thousand, compared to a net outflow of RMB 20,837,280 thousand in the same period last year[87]. - The bank's net increase in cash and cash equivalents for the first half of 2023 was RMB 6,883,016 thousand, compared to a decrease of RMB 3,892,305 thousand in the same period of 2022[87]. - The cash flow from investing activities showed a net inflow of 812,922 thousand yuan in the first half of 2023, compared to an outflow of (4,121,189) thousand yuan in the same period of 2022[45]. Corporate Governance and Risk Management - The company faces significant risks including credit risk, liquidity risk, market risk, operational risk, compliance risk, information technology risk, reputation risk, and money laundering risk, and has implemented measures to manage these risks[200]. - The bank continues to strengthen governance and risk management of its subsidiaries to ensure sustainable and healthy development[183]. - The bank has maintained consistent accounting policies with those used in the preparation of the 2022 financial statements[173]. Green Finance and Social Responsibility - The company has committed to a green finance strategy, prohibiting credit funds from flowing to high-pollution and high-energy consumption projects[7]. - The company has a commitment to social responsibility, actively promoting the national "dual carbon" strategy and enhancing green finance management[7]. - The company's green loan balance reached CNY 1.538 billion, primarily serving the energy conservation and environmental protection industries, infrastructure green upgrades, and clean energy sectors[7]. Shareholder Information - The top shareholder, Canadian Imperial Bank of Commerce, holds 804,771,000 shares, accounting for 18.11% of the total shares[26]. - The total number of ordinary shareholders as of the reporting period end was 69,615[49]. - The company distributed RMB 733,333 thousand to shareholders during the first half of 2023, which is a decrease from the RMB 844,444 thousand distributed in the same period of 2022[119].

届时，本公司行长梁邦海先生、分管财务副行长黄长松先生、董 事会秘书石小云女士将通过互动平台与投资者进行网络沟通和交流， 欢迎广大投资者踊跃参加！ 活动时间：2023 年 5 月 16 日（星期二）15:00-17:00。 活动地址："全景路演"。 证券代码：600928 证券简称：西安银行 公告编号：2023-020 西安银行股份有限公司关于参加 "2023 年陕西辖区上市公司投资者集体接待日 暨 2022 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。 为促进上市公司规范运作、稳健发展，增强上市公司信息透明度， 加强与广大投资者沟通交流，进一步提升投资者关系管理水平，陕西 上市公司协会根据陕西证监局工作部署，联合深圳市全景网络有限公 司举办"2023 年陕西辖区上市公司投资者集体接待日暨 2022 年度业 绩说明会活动"。 活动网址：http://rs.p5w.net。 特此公告。 西安银行股份有限公司董事会 2023 年 5 月 10 日 ...

Financial Performance - In Q1 2023, the company's operating income reached CNY 1,805,241,000, representing a year-on-year increase of 16.99% compared to CNY 1,543,037,000 in Q1 2022[18] - The net profit attributable to ordinary shareholders of the parent company was CNY 657,729,000, an increase of 8.20% from CNY 607,866,000 in the same period last year[19] - The company achieved operating revenue of 1.805 billion RMB, an increase of 262 million RMB, representing a growth rate of 16.99% year-on-year[49] - The net profit attributable to shareholders of the parent company was 658 million RMB, an increase of 50 million RMB, with a growth rate of 8.20% year-on-year[49] - Basic earnings per share were 0.15 RMB, reflecting a year-on-year increase of 7.14%[49] - The total profit for the first quarter of 2023 was CNY 699,514 thousand, compared to CNY 683,531 thousand in the first quarter of 2022, reflecting a growth of 2.3%[64] - The net profit for the first quarter of 2023 was CNY 657,746 thousand, up from CNY 608,421 thousand in the same period of 2022, marking an increase of 8.1%[64] Assets and Liabilities - The total assets as of March 31, 2023, amounted to CNY 416,096,612, an increase of CNY 102,580,000 or 2.53% from the end of the previous year[10] - The total liabilities increased by CNY 94,870,000 to CNY 386,077,660, reflecting a growth of 2.52% compared to the previous year-end[10] - The total loans and advances reached CNY 196,423,253,000, up CNY 67,350,000 or 3.55% from the previous year-end[10] - The total assets as of March 31, 2023, were CNY 416,096,612 thousand, compared to CNY 405,838,548 thousand at the end of 2022, representing an increase of 2.6%[57] - The adjusted on-balance and off-balance sheet asset balance reached CNY 443,099,560 thousand, a slight increase from CNY 441,791,244 thousand at the end of 2022[54] Cash Flow and Liquidity - The net cash flow from operating activities was negative at CNY (4,133,002,000), a significant decrease compared to CNY 1,102,107,000 in Q1 2022[19] - The net cash outflow from operating activities for the first quarter of 2023 was CNY 4,133,002 thousand, compared to a net inflow of CNY 1,102,107 thousand in the same period of 2022[71] - The cash and cash equivalents at the end of the first quarter of 2023 were CNY 16,715,486 thousand, down from CNY 17,855,250 thousand at the end of the first quarter of 2022[72] - For the three months ended March 31, 2023, cash inflows from operating activities totaled RMB 10,641,130 thousand, an increase from RMB 9,746,815 thousand in the same period of 2022, representing a growth of approximately 9.2%[79] - The liquidity coverage ratio stood at 553.91%, indicating strong liquidity position[54] Shareholder Information - The number of ordinary shareholders reached 68,180 by the end of the reporting period[22] - The top shareholder, Canadian Imperial Bank of Commerce, holds 804,771,000 shares, accounting for 18.11% of total shares[22] Capital and Ratios - The capital adequacy ratio stood at 12.85%, up 0.01 percentage points from the end of the previous year[24] - The non-performing loan ratio stood at 1.24%, slightly improved from 1.25% at the end of the previous year[13] - The provision coverage ratio increased to 210.97%, up 9.34 percentage points from the end of the previous year[24] - Core Tier 1 capital adequacy ratio was 10.45%, unchanged from the previous period[52] - The weighted average return on net assets increased to 2.22%, up 0.04 percentage points from 2.18% in the same period last year[19] - The weighted average return on equity was 2.22%, an increase of 0.04 percentage points year-on-year[49] - The leverage ratio increased to 6.61% as of March 31, 2023, compared to 6.47% at the end of 2022[54] - The net primary capital amounted to CNY 29,268,647 thousand, up from CNY 28,575,085 thousand at the end of 2022, reflecting a growth of 2.43%[54] Debt and Securities - The bank issued debt securities, generating cash inflow of CNY 23,404,694 thousand in the first quarter of 2023, significantly higher than CNY 2,000,000 thousand in the same period of 2022[72] Governance - The company has approved the financial statements on April 27, 2023, indicating timely reporting and governance[85]

Financial Performance - The company reported a basic earnings per share of 0.55 RMB for 2022, a decrease of 12.70% compared to 0.63 RMB in 2021[18]. - The weighted average return on equity decreased to 8.57% in 2022, down by 2.02 percentage points from 10.59% in 2021[18]. - The total assets return rate was 0.65% in 2022, a decrease of 0.21 percentage points from 0.86% in 2021[18]. - The company achieved operating income of 6.568 billion yuan and net profit attributable to shareholders of 2.424 billion yuan[77]. - Net profit for 2022 was 2,426,144, representing a decrease of 13.58% year-over-year[117]. - Total operating income for 2022 was CNY 6,567,550, a decrease of 8.82% compared to CNY 7,203,045 in 2021[161]. - Net profit attributable to shareholders of the parent company was CNY 2,424,443, down 13.55% from CNY 2,804,324 in 2021[161]. Cash Flow and Liquidity - The net cash flow from operating activities increased significantly by 276.85%, reaching 11.72 RMB per share in 2022, compared to 3.11 RMB per share in 2021[18]. - The company’s net cash flow from operating activities for the fourth quarter was CNY 26.865 billion, showing strong liquidity management[40]. - The liquidity coverage ratio was reported at 665.90%, indicating strong liquidity management[177]. - The net stable funding ratio at the end of 2022 was 149.84%, indicating a strong liquidity position[193]. Asset and Liability Management - As of the end of the reporting period, the total assets of the company reached CNY 405.839 billion, an increase of CNY 59.975 billion, representing a growth of 17.34% compared to the previous year[48]. - Total liabilities increased by 18.33% to 376.591 billion yuan[103]. - The company’s adjusted on-balance and off-balance sheet asset balance was CNY 441.791 billion, with a leverage ratio of 6.47%[43]. Risk Management - The company has committed to enhancing risk management and has adjusted its risk preferences in response to new changes in regional, industry, and client risks[9]. - The bank is leveraging financial technology to improve risk management efficiency, utilizing big data and AI in credit approval and risk assessment[64]. - The company has implemented measures to manage various operational risks, including credit, liquidity, and market risks[130]. Loans and Advances - The total loans reached CNY 189.688 billion, an increase of CNY 7.887 billion, representing a growth of 4.34%[48]. - The company reported a 2.44% decrease in loans and advances issued, totaling 9.226 billion yuan[69]. - The company’s loan and advance principal totaled 1.89688 trillion yuan, up 4.34% from the previous year[92]. - The non-performing loan ratio stood at 1.25%, with a provision coverage ratio of 201.63%[48]. Digital Transformation and Innovation - The company launched new digital products, including "Xi Yin e-loan guarantee version" and "Micro Business Loan," enhancing its digital banking capabilities[37]. - The company is focusing on digital banking development, enhancing mobile banking capabilities with new features and services[62]. - The bank's digital transformation efforts include enhancing data infrastructure and integrating online and offline services[74]. - The company aims to improve digital banking services by optimizing internet loan structures and enhancing risk control systems[123]. Strategic Initiatives and Partnerships - The company continues to support key projects in green finance and rural revitalization, aligning with government policies to stabilize the regional economy[7]. - The company has established a partnership with BYD, investing CNY 10 billion to create the largest licensed auto finance company in the country, supporting the development of the new energy vehicle industry in Xi'an[49]. - The company is actively supporting regional economic development by providing funding for key projects in infrastructure, urban renovation, and livelihood security[184]. - The company has implemented financial support plans for key industries such as manufacturing and cultural tourism, resulting in a net increase of 240 clients in these sectors compared to the previous year[198]. Income and Expenses - Interest income for the year was 13.870 billion yuan, a decrease of 0.29% compared to the previous year[69]. - Net interest income was 5.508 billion yuan, reflecting a decline of 8.09% year-on-year[70]. - Non-interest net income was 1.060 billion yuan, with a significant decrease of 25.02% from the previous year[84]. - The bank's total interest expenses increased by 5.62%, amounting to 8.363 billion yuan[69]. - The company incurred operating and management expenses of 1.89 billion yuan, with a cost-to-income ratio of 28.92%[87]. Capital Adequacy - The capital adequacy ratio as of December 31, 2022, was 12.84%, a decline of 1.28 percentage points from 14.12% at the end of 2021[18]. - The loan provision coverage ratio decreased to 201.63%, down 22.58 percentage points from 224.21% in 2021[163].