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].

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].