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].

证券代码：600928 证券简称：西安银行 公告编号：2023-010 西安银行股份有限公司关于 召开 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。 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 2023 年 4 月 28 日披露 2022 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 2023 年 4 月 28 日（星期五）通过网络互动方式 召开 2022 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：2023 年 4 月 28 日（星期五）15：00-16：00 会议召开时间：2023 年 4 月 28 日（星期五）15：00-16：00 会 议 召 开 地 点 ： 上 海 证 券 报 · 中 国 证 券 网 ( 网 址 ： http://roadshow.cnstock.com） 会议召开方式：网络平台在线交流互动 投资者可于 2023 年 4 月 26 日（星期三）17：00 前将 ...

Financial Performance - The company achieved an operating income of CNY 4.862 billion, with a net profit attributable to shareholders of CNY 1.779 billion[18]. - The net profit attributable to shareholders for the first nine months of 2022 was CNY 1.779 billion, reflecting a year-on-year increase of 12.37%[6]. - Net profit attributable to shareholders was RMB 1,778,975 thousand, down 12.3% from RMB 2,030,141 thousand in the same period last year[40]. - Total profit for the nine months ended September 30, 2022, was RMB 1,881,452 thousand, down 16.5% from RMB 2,253,157 thousand in the previous year[40]. Assets and Liabilities - The total assets of the company reached CNY 363.906 billion, an increase of 5.22% compared to the beginning of the year[18]. - The total liabilities were CNY 335.084 billion, reflecting a 5.29% increase since the start of the year[18]. - Total assets as of September 30, 2022, reached CNY 363,906,288, an increase from CNY 345,863,917 as of December 31, 2021, representing a growth of approximately 5.99%[19]. - The total liabilities increased to CNY 335,083,950 from CNY 318,260,782, reflecting a rise of about 5.76%[19]. Loans and Deposits - The total loan principal amounted to CNY 188.020 billion, growing by 3.42% year-to-date[18]. - The total deposit principal reached CNY 255.914 billion, marking an 11.74% increase year-to-date[18]. - The bank's total loans and advances amounted to CNY 188,019,854, an increase from CNY 181,800,944, reflecting a growth of about 3.36%[21]. - The total deposits increased to CNY 262,780,311 from CNY 234,723,596, marking a growth of approximately 11.94%[31]. Capital and Ratios - The capital adequacy ratio was 14.63%, an increase of 0.51 percentage points compared to the end of the previous year[18]. - The capital adequacy ratio as of September 30, 2022, was 14.63%, up from 14.12% as of December 31, 2021[21]. - The net core tier 1 capital as of September 30, 2022, was CNY 28,261,217, up from CNY 27,533,139, indicating an increase of approximately 2.65%[21]. - The weighted average return on equity was 6.31%, with basic earnings per share at CNY 0.40[18]. Non-Performing Loans - The non-performing loan ratio stood at 1.19%, a decrease of 0.13 percentage points from the end of the previous year[18]. - The non-performing loan ratio improved to 1.19% from 1.32%, showing a decrease of 0.13 percentage points[21]. - The provision coverage ratio and loan provision ratio were 222.51% and 2.64%, respectively[18]. Cash Flow and Expenses - Operating cash flow from operating activities increased significantly to RMB 25,216,017 thousand, compared to RMB 774,871 thousand in the same period last year[47]. - The company recorded a net increase in deposits of RMB 26,890,410 thousand, compared to RMB 11,546,825 thousand in the same period last year[43]. - The company’s total operating expenses decreased to RMB 2,974,629 thousand, down 2.5% from RMB 3,051,859 thousand in the previous year[36]. - Cash inflow from investment activities was RMB 19,999,102 thousand, a decrease from RMB 23,560,387 thousand in the previous year[47]. Foreign Exchange and Other Income - The company experienced a net foreign exchange gain of RMB 21,847 thousand, compared to RMB 1,216 thousand in the same period last year[36]. - The company reported a decrease in fee and commission income to RMB 340,485 thousand, down 12.2% from RMB 387,937 thousand in the previous year[36]. Debt and Financing Activities - Cash inflow from issuing debt securities for the nine months ended September 30, 2022, was RMB 35,082,534 thousand, a decrease of 35.9% compared to RMB 54,767,194 thousand for the same period in 2021[49]. - Net cash flow from financing activities for the nine months ended September 30, 2022, was a cash outflow of RMB 16,093,041 thousand, compared to a cash inflow of RMB 13,566,440 thousand in the same period of 2021[49]. - The net decrease in cash and cash equivalents for the nine months ended September 30, 2022, was RMB 6,207,549 thousand, compared to an increase of RMB 2,834,022 thousand in the same period of 2021[49]. - Total cash outflow from financing activities for the nine months ended September 30, 2022, was RMB 51,175,575 thousand, an increase of 24.2% from RMB 41,200,754 thousand in the same period of 2021[49].

Financial Performance - The company reported a total revenue of 1,200 million RMB for the first half of 2022, representing a year-on-year increase of 15%[17]. - Net profit attributable to shareholders reached 300 million RMB, up 10% compared to the same period last year[17]. - Operating income for the first half of 2022 was 3,253,840, a decrease of 8.48% compared to 3,555,396 in the same period of 2021[18]. - Net profit attributable to shareholders was 1,227,174, down 13.45% from 1,417,876 in the first half of 2021[18]. - The company achieved a net profit of CNY 1.228 billion, a decrease of 13.42% year-on-year[60]. Asset and Liability Management - The total assets of the bank stood at 150 billion RMB, reflecting a growth of 12% year-on-year[17]. - Total assets as of June 30, 2022, reached 353,207,638, an increase of 2.12% from 345,863,917 at the end of 2021[18]. - Total liabilities amounted to 324,965,636, up 2.11% from 318,260,782 at the end of 2021[18]. - Total deposits reached 250,153,101, an increase of 9.23% from 229,023,935 at the end of 2021[18]. - The total amount of deposits reached 1,262.23 billion, an increase of 103.32 billion or 8.92% year-to-date[38]. Loan and Credit Management - The non-performing loan ratio was maintained at 1.5%, indicating stable asset quality[17]. - The non-performing loan ratio improved to 1.22%, down 0.10 percentage points from 1.32% at the end of 2021[22]. - The balance of small and micro enterprise loans was CNY 39.43 billion, an increase of CNY 7.99 billion, indicating a growth of 25.44% since the beginning of the year[42]. - The total loan amount classified as normal was CNY 180.30 billion, accounting for 96.37% of total loans, while the special mention loans were CNY 4.51 billion, representing 2.41%[140]. - The overdue loans were CNY 3.21 billion, accounting for 1.72% of total loans, down from CNY 3.71 billion or 2.04% previously[143]. Customer Acquisition and Deposits - Customer deposits increased by 20% to 120 billion RMB, showcasing strong customer acquisition efforts[17]. - Personal deposits reached CNY 121.55 billion, an increase of CNY 10.82 billion, representing a growth of 9.77% compared to the end of the previous year[40]. - The bank's customer deposits increased by 9.26% to CNY 256.46 billion[82]. Investment and Technology - Investment in technology and digital banking solutions increased by 25% to improve customer service and operational efficiency[17]. - The company is focusing on digital empowerment, implementing projects like the "Xianiao Data Analysis Platform" to enhance customer service experiences[40]. - The company launched a new bond fund worth CNY 1.5 billion, expanding its product offerings[43]. Risk Management - The bank is actively managing various operational risks, including credit and liquidity risks, to ensure sustainable growth[7]. - The company is focused on enhancing risk management capabilities, implementing a comprehensive risk management system to ensure coordinated development of scale, efficiency, and risk[159]. - Credit risk management has been strengthened, with a focus on improving credit quality and optimizing credit structure, particularly in supporting manufacturing, key projects, and quality SMEs[161]. Governance and Compliance - The company has a governance structure with a board of 13 members, including 5 independent directors, complying with relevant laws and regulations[188]. - The company’s governance practices align with the requirements set by regulatory authorities, ensuring independent operation and management[185]. - A robust compliance risk management framework has been established, including regular audits and compliance training to enhance awareness and adherence to regulations[171]. Future Outlook - Future guidance indicates a target revenue growth of 12% for the full year 2022[17]. - The company is committed to improving service quality and consumer protection, optimizing complaint management systems to ensure efficient handling of customer issues[179]. - The company aims to enhance its digital customer operation management model, integrating online and offline services to better meet customer needs[156].

Financial Performance - The company reported operating revenue of 1,543,037 thousand yuan for Q1 2022, a decrease of 18.52% compared to 1,893,709 thousand yuan in Q1 2021[4] - Net profit attributable to shareholders of the parent company was 607,866 thousand yuan, down 14.17% from 708,223 thousand yuan in the same period last year[5] - Basic earnings per share decreased by 12.50% to 0.14 yuan from 0.16 yuan in Q1 2021[5] - Net interest income for the period from January 1, 2022, to March 31, 2022, was RMB 1,413,739, a decrease of 9.8% compared to RMB 1,567,468 in the same period of 2021[35] - Total operating income decreased to RMB 1,543,037, down 18.5% from RMB 1,893,709 year-over-year[35] - Net profit for the period was RMB 608,421, representing a decline of 14.1% from RMB 708,078 in the previous year[38] - The total profit for the period was RMB 683,531, down 18.7% from RMB 840,914 in the same period last year[38] Assets and Liabilities - Total assets as of March 31, 2022, were 340,811,659 thousand yuan, a decrease of 1.46% from 345,863,917 thousand yuan at the end of 2021[5] - The company’s total liabilities were 3,124,590 thousand yuan, with total deposits amounting to 2,264,510 thousand yuan, a decrease of 1.12% compared to the beginning of the year[15] - The total liabilities decreased to CNY 312,459,098 thousand from CNY 318,260,782 thousand year-over-year[28] - The bank's equity attributable to shareholders increased to CNY 28,289,734 thousand from CNY 27,540,861 thousand[31] Capital and Ratios - The capital adequacy ratio and core Tier 1 capital adequacy ratio were 15.55% and 12.61%, respectively, both showing an increase from the end of the previous year[15] - The net core tier 1 capital as of March 31, 2022, was CNY 28,280,006 thousand, up from CNY 27,533,139 thousand as of December 31, 2021, reflecting a core tier 1 capital adequacy ratio of 12.61%[18] - The liquidity coverage ratio stood at 242.40% as of March 31, 2022, indicating strong liquidity position[21] - The bank's leverage ratio increased to 7.58% as of March 31, 2022, compared to 7.35% at the end of 2021[20] - The provision coverage ratio for loans was 220.31% as of March 31, 2022, down from 224.21% at the end of 2021[18] Cash Flow - The company achieved a cash flow from operating activities of 1,102,107 thousand yuan, reflecting a significant increase due to reduced cash outflows during the reporting period[5] - Cash inflow from operating activities totaled RMB 9,746,815, a decrease of 18.6% compared to RMB 11,975,548 in the same period of 2021[41] - Cash outflow from operating activities was RMB 8,644,708, down 33.1% from RMB 12,906,651 year-over-year[46] - Cash flow from investment activities generated a net inflow of RMB 5,597,515, compared to a net outflow of RMB 2,286,708 in the same period last year[47] - Cash flow from financing activities resulted in a net outflow of RMB 9,655,550, compared to a net outflow of RMB 365,019 in the previous year[50] - The ending balance of cash and cash equivalents was RMB 17,855,250, an increase from RMB 13,282,131 at the end of the same period last year[50] Loan Performance - The non-performing loan ratio improved to 1.25%, down 0.07 percentage points from the end of the previous year[15] - The non-performing loan ratio improved to 1.25% as of March 31, 2022, compared to 1.32% at the end of 2021[18] - The total loans and advances amounted to CNY 184,237,588 thousand, an increase from CNY 181,800,944 thousand year-over-year[18] Government Subsidies - The company received government subsidies amounting to 1,021 thousand yuan during the reporting period[6]

Dividend Distribution - The company plans to distribute a cash dividend of RMB 1.90 per 10 shares, totaling RMB 844 million (including tax) based on a total share capital of 4,444,444,445 shares[4]. Financial Performance - Total operating income for 2021 was CNY 7,203,045 thousand, a year-on-year increase of 0.91% compared to CNY 7,137,883 thousand in 2020[26]. - Net profit attributable to shareholders of the parent company reached CNY 2,804,324 thousand, reflecting a growth of 1.73% from CNY 2,756,499 thousand in the previous year[27]. - Total assets increased by 12.88% to CNY 345,863,917 thousand as of December 31, 2021, up from CNY 306,391,591 thousand at the end of 2020[27]. - The total amount of loans and advances reached CNY 181,800,944 thousand, marking a 5.72% increase from CNY 171,971,798 thousand in 2020[27]. - Total liabilities rose by 13.35% to CNY 318,260,782 thousand, compared to CNY 280,768,067 thousand in the previous year[27]. - Total deposits amounted to CNY 229,023,935 thousand, an increase of 10.46% from CNY 207,345,846 thousand in 2020[27]. - The bank's net assets attributable to shareholders of the parent company increased by 7.73% to CNY 27,540,861 thousand from CNY 25,565,386 thousand in 2020[27]. - Basic earnings per share for 2021 were CNY 0.63, a year-on-year increase of 1.61% compared to CNY 0.62 in 2020[30]. - The non-performing loan ratio increased to 1.32% in 2021, up 0.14 percentage points from 1.18% in 2020[33]. - The capital adequacy ratio decreased to 14.12% as of December 31, 2021, down 0.38 percentage points from 14.50% at the end of 2020[33]. - The liquidity coverage ratio was 417.85% as of December 31, 2021, indicating strong liquidity management[46]. Risk Management - The company has actively managed various operational risks, including credit risk, liquidity risk, and market risk, to ensure financial stability[5]. - The company has emphasized the importance of risk control in key areas such as internet loans and real estate loans[8]. - The company aims to align its risk management with national financial stability goals, addressing issues in both internal and external audits[8]. - The risk management framework has been strengthened, integrating regulatory constraints and strategic development into its practices[80]. - The liquidity risk management framework was enhanced, focusing on optimizing asset-liability management and ensuring the stability of deposits, especially time deposits[194]. - The company conducted regular liquidity stress tests to evaluate liquidity risk under specific scenarios and improve emergency response capabilities[195]. - Market risk management was centralized, with a focus on optimizing internal controls and enhancing risk measurement and reporting systems[197]. - The company increased efforts to control interest rate risks on its balance sheet, improving risk identification, measurement, and monitoring processes[200]. Digital Transformation - The company has enhanced its digital strategy, increasing its financial service capabilities in key areas like urban management, education, and healthcare[7]. - The bank's digital transformation strategy includes the launch of mobile banking 7.0 and integration with digital RMB, enhancing customer service capabilities[55]. - The digital banking transformation includes the launch of a "super APP" for enhanced customer service and experience[70]. - The company is actively pursuing digital transformation and innovation in financial technology, including the promotion of digital RMB and customized IT solutions[77]. - The company is actively developing digital RMB scenarios, establishing a benchmark for regional digital currency applications[71]. Support for Enterprises - The company has committed to supporting small and micro enterprises by increasing financial service capabilities and reducing fees[6]. - The company launched over 20 new features for the "Xi Yin e-loan" product, enhancing online services for small and micro enterprises[66]. - The bank provided over CNY 9 billion in financial support for major projects and key enterprises, contributing to local economic development[60]. - The company implemented nine measures to support the real economy during the pandemic, including increasing credit support for severely affected industries and ensuring loan extensions for small and micro enterprises[192]. - The company has increased support for manufacturing, key projects, and quality SMEs in alignment with national economic development strategies[191]. Awards and Recognition - The bank received multiple awards, including the "Best Financial Innovation Award" and "Top 10 Regional Retail Business Service City Commercial Banks" in 2021[22]. Wealth Management - The total balance of wealth management products reached 54.628 billion yuan, a year-on-year increase of 51.96%[185]. - The number of investors in wealth management products increased to 144,700, representing a year-on-year growth of 52.60%[185]. - Wealth management business revenue for the period was 233.3441 million yuan, up 47.94% year-on-year[185]. - The company established a digital wealth management platform to enhance customer experience and service delivery[186]. - The company’s wealth client numbers and AUM grew by 31.59% and 33.83% respectively compared to the previous year[187]. Operational Efficiency - The cost-to-income ratio increased to 26.06% in 2021, up 0.73 percentage points from 25.33% in 2020[30]. - The provision coverage ratio decreased to 224.21% in 2021, down 45.18 percentage points from 269.39% in 2020[33]. - The weighted average return on equity for 2021 was 10.59%, a decrease of 0.65 percentage points from 11.24% in 2020[30]. - The company has focused on enhancing IT capabilities, including upgrading the core accounting system and developing a centralized customer information management platform[72]. - The company made significant investments in data infrastructure to enhance data governance and improve marketing and risk management capabilities[72]. International Business Strategy - The international business strategy focuses on supporting key projects through various financial products, enhancing service diversity[69].

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 | -- ...

Financial Performance - Operating income for the first half of 2021 was CNY 3,555,396, an increase of 5.65% compared to CNY 3,365,346 in the same period of 2020[17]. - Net profit attributable to shareholders for the first half of 2021 reached CNY 1,417,876, reflecting a growth of 5.21% from CNY 1,347,712 in the first half of 2020[17]. - Basic earnings per share for the first half of 2021 increased to 0.32 CNY, a 6.67% rise compared to 0.30 CNY in the same period of 2020[20]. - The company achieved an operating income of CNY 3.555 billion, a year-on-year increase of CNY 190 million, or 5.65%[55]. - The net profit attributable to shareholders was CNY 1.418 billion, up by CNY 70 million, representing a growth of 5.21%[55]. Assets and Liabilities - Total assets as of June 30, 2021, amounted to CNY 321,312,787, representing a 4.87% increase from CNY 306,391,591 at the end of 2020[17]. - Total liabilities increased by 5.12% to CNY 295,154,765 as of June 30, 2021, compared to CNY 280,768,067 at the end of 2020[17]. - The net asset attributable to shareholders was CNY 26,098,145, up 2.08% from CNY 25,565,386 at the end of 2020[17]. - The total assets of the company reached CNY 321.31 billion, an increase of CNY 14.92 billion, representing a growth of 4.87% compared to the beginning of the year[53]. - Total liabilities amounted to CNY 295.15 billion, reflecting a 5.12% growth compared to the previous year[82]. Loans and Deposits - Total deposits reached CNY 219,828,676, marking a 6.02% increase from CNY 207,345,846 at the end of 2020[17]. - The total loans reached CNY 177.43 billion, an increase of CNY 5.45 billion, reflecting a growth of 3.17%[53]. - The balance of loans in Xi'an city was CNY 153.03 billion, accounting for 86.25% of the total loans, with a year-on-year increase of 2.32%[90]. - The company’s personal deposits reached CNY 108.60 billion, making up 48.29% of total deposits, an increase from 45.20% in the previous year[109]. - The balance of interbank and other financial institutions' deposits decreased to CNY 1.004 billion, down CNY 1.126 billion, a decline of 52.87% compared to the end of last year[111]. Risk Management - The bank faces various operational risks including credit risk, liquidity risk, and market risk, and has implemented measures to manage these risks effectively[7]. - The bank's loan loss provisions stood at (CNY 5,562,889), an increase of 1.60% from (CNY 5,475,463) in the previous year[17]. - The company’s credit risk management system was enhanced, focusing on improving credit quality and optimizing credit structure, with a comprehensive approach covering all assets[159]. - The company has established a liquidity risk management framework, focusing on proactive asset-liability management and regular liquidity stress testing[164]. - The company is actively managing non-performing assets and enhancing risk provisioning to strengthen its risk management capabilities[161]. Operational Efficiency - The bank reported a net cash flow from operating activities of (CNY 2,720,655), a significant decrease compared to CNY 15,607,812 in the same period of 2020[17]. - The company incurred business and management expenses of 838,000 thousand yuan, which is a 5.65% increase year-on-year, with a cost-to-income ratio of 23.69%[75]. - The company reported a net commission income of 247,004 thousand yuan, representing a year-on-year growth of 8.25%[72]. - The company’s financial investments amounted to 97,625,744 thousand yuan, generating an interest income of 1,865,740 thousand yuan at an average rate of 3.82%[63]. - The company has implemented measures to enhance compliance training and awareness among employees, including online training related to the Civil Code and anti-crime initiatives[171]. Strategic Initiatives - The bank actively supported key projects in Shaanxi Province and Xi'an City, focusing on industries such as energy, aerospace, and biomedicine[36]. - The company is focusing on optimizing credit structure and supporting high-quality development in manufacturing and emerging industries, particularly in areas aligned with national economic strategies[160]. - The company has implemented a green credit management approach, focusing on low-carbon and energy-saving projects[200]. - The company is committed to supporting rural revitalization and poverty alleviation through targeted financial services[160]. - The company is advancing its digital transformation, enhancing mobile banking services, and integrating new features such as dialect recognition and digital RMB access[45]. Shareholder and Governance - The company held one shareholders' meeting during the reporting period, approving eight key proposals including the 2020 financial report and 2021 budget[183]. - The board of directors consists of 11 members, with five meetings held during the reporting period[185]. - The company approved a cash dividend of RMB 1.9 per 10 shares, totaling RMB 844 million distributed to shareholders[192]. - The company did not implement any profit distribution or capital reserve increase plan for the mid-year of 2021[193]. - The company has not executed any employee stock ownership plans or other incentive measures during the reporting period[193].

Financial Performance - Operating income for Q1 2021 was CNY 1.89 billion, a year-on-year growth of 7.73%[16] - Net profit attributable to shareholders was CNY 708.22 million, a decrease of 8.04% year-on-year[7] - Basic earnings per share stood at CNY 0.16, down 5.88% from the previous year[8] - The net profit from fees and commissions rose by 31.73% to CNY 151,673 thousand compared to CNY 115,136 thousand in the same period last year[20] - The investment income decreased significantly by 88.74% to CNY 9,430 thousand from CNY 83,713 thousand year-over-year[20] - The net profit margin for the bank's core tier one capital ratio was 12.31%, slightly down from 12.37% in the previous period[25] Asset and Liability Management - Total assets reached CNY 310.61 billion, an increase of 1.38% compared to the beginning of the year[16] - Total liabilities amounted to CNY 284.28 billion, reflecting a growth of 1.25% year-to-date[16] - The total assets as of March 31, 2021, were CNY 310,613,167 thousand, compared to CNY 306,391,591 thousand as of December 31, 2020, reflecting an increase of 0.73%[23] - The total liabilities increased to CNY 284,277,452 thousand from CNY 280,768,067 thousand, marking a growth of 1.80%[23] - The total loans and advances amounted to CNY 175,185,386 thousand, up from CNY 171,971,798 thousand, representing an increase of 1.84%[23] - Total deposits reached CNY 215.62 billion, an increase of 3.99% since the beginning of the year[16] - The bank's total deposits reached CNY 215,618,059 thousand, an increase from CNY 207,345,846 thousand, reflecting a growth of 3.08%[23] Credit Quality - Non-performing loan balance was CNY 2.11 billion, with a non-performing loan ratio of 1.20%[16] - The non-performing loan ratio increased to 1.20% from 1.18% as of December 31, 2020[25] - The bank's credit impairment losses increased by 40.50% to CNY (627,519) thousand compared to CNY (446,620) thousand in the previous year[20] - Provision coverage ratio improved to 273.45%, up 4.06 percentage points from the end of last year[16] Capital Adequacy and Returns - The weighted average return on equity was 10.92% for the reporting period[16] - The capital adequacy ratio and core Tier 1 capital adequacy ratio were 14.41% and 12.31%, respectively[16] - The liquidity coverage ratio stood at 256.54%, indicating a strong liquidity position[28]

Financial Performance - The net profit attributable to shareholders for 2020 was RMB 2.756 billion, representing a year-on-year increase of 3.05%[7]. - The total operating income for 2020 was CNY 7,137,883,000, representing a year-on-year increase of 4.27% compared to CNY 6,845,299,000 in 2019[23]. - The basic earnings per share for 2020 was CNY 0.62, up 1.64% from CNY 0.61 in 2019[30]. - The company's operating income was CNY 7.14 billion, up 4.27% from the previous year, while net profit attributable to shareholders was CNY 2.76 billion, a growth of 3.05%[86]. - The non-interest income decreased by 21.91% year-on-year, while net interest income increased by 9.79%[86]. - The company achieved a net interest income of 6.207 billion yuan, representing a year-on-year growth of 9.79%[96]. - Total interest income reached 13.154 billion yuan, an increase of 13.75% compared to 11.564 billion yuan in the previous year[97]. Asset and Liability Management - As of the end of 2020, the total assets of Bank of Xi'an exceeded RMB 300 billion, with a double-digit growth in both deposits and loans[7]. - The total assets as of December 31, 2020, amounted to CNY 306,391,591,000, reflecting a growth of 10.10% from CNY 278,282,722,000 at the end of 2019[23]. - The total deposits reached CNY 207,345,846,000, which is a 22.16% increase compared to CNY 169,735,771,000 in the previous year[27]. - The total liabilities amounted to CNY 280.77 billion, growing by 10.27% year-on-year[108]. - The bank's total liabilities from issued debt securities decreased by 31.47% to 50,025,113 thousand yuan, down from 73,001,983 thousand yuan[148]. Loan and Deposit Growth - The total loans and advances increased to CNY 171,971,798,000, marking a 12.38% rise from CNY 153,031,836,000 in 2019[23]. - The bank's loans to small and micro enterprises increased by 33%, with interest rates significantly reduced by 124 basis points[8]. - Personal deposits reached CNY 944.87 billion, an increase of CNY 218.17 billion, reflecting a growth rate of 30.02% compared to the previous year[58]. - The balance of loans to small and micro enterprises reached 29.396 billion yuan, an increase of 7.216 billion yuan, representing a growth of 32.53% compared to the end of the previous year[61]. - The balance of inclusive loans for small and micro enterprises with a single credit limit of 10 million yuan or less reached 5.681 billion yuan, increasing by 1.423 billion yuan, a growth of 33.42%[61]. Risk Management - The non-performing loan ratio was maintained at a low level of 1.18%, with a provision coverage ratio of 269.39%, an increase of 6.98 percentage points year-on-year[7]. - The bank emphasized risk management and control, addressing various risks including credit, liquidity, and operational risks[5]. - The bank's credit risk management system was enhanced to cover all aspects of credit risk, including on-balance and off-balance sheet assets[186]. - The bank implemented measures to optimize credit asset structure and control new non-performing loans, including adhering to national macro-control policies and providing support to affected enterprises[168]. - The bank's focus on risk management and proactive measures contributed to maintaining stable asset quality despite economic challenges[168]. Digital Transformation and Innovation - The strategic focus for 2021 includes enhancing digital transformation and supporting regional economic development[10]. - The company has enhanced its digital transformation, expanding online services and improving customer experience through a new mobile banking app[76]. - The company launched new financial products such as "Cultural and Creative Special Loan" and "Aviation Support Loan" to cater to specific industry needs[56]. - The company is focusing on digital economy development, leveraging new technologies for financial inclusion and risk prevention[72]. - A comprehensive internet technology platform is being developed, supported by big data to create a robust business platform[198]. Social Responsibility and Community Support - Financial precision poverty alleviation loans grew by 16.69%, demonstrating the bank's commitment to social responsibility[8]. - The bank actively participated in pandemic relief efforts, increasing loan disbursements in related sectors[8]. - The company is focusing on supporting local economic recovery through financial measures aimed at pandemic-related sectors[55]. - The company implemented measures to support small and micro enterprises affected by the pandemic, including optimizing loan structures and reducing financing costs[82]. Awards and Recognition - The company received multiple awards in 2020, including ranking 337th in the "2020 Global Top 1000 Banks" by The Banker[20]. - The company was recognized as the "Best Company Governance City Commercial Bank" and received the "Best Financial Innovation Award" in 2020[20].