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].

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 ................................................. ...

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 - 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].

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 - Net profit attributable to ordinary shareholders of the parent company was CNY 2.01 billion, up 11.49% year-on-year[7] - Operating income for the first nine months of 2019 was CNY 5.12 billion, reflecting an 18.26% increase compared to the same period in 2018[7] - Basic earnings per share increased to CNY 0.46, a rise of 2.22% year-on-year[8] - The net profit for the nine months ended September 30, 2019, was ¥2,390,308 thousand, compared to ¥2,240,662 thousand in the same period of 2018, showing an increase of approximately 6.7%[36] - The total profit for the group was RMB 2,388,958 thousand, compared to RMB 2,257,318 thousand in the same period of 2018, representing an increase of approximately 5.8%[41] - The total comprehensive income for the group reached RMB 2,104,356 thousand, up from RMB 1,901,143 thousand in the previous year, indicating a growth of approximately 10.7%[44] Asset and Liability Management - Total assets reached CNY 265.40 billion, an increase of 9.00% compared to the end of 2018[7] - Total liabilities rose to CNY 242,203,655 thousand, compared to CNY 223,496,030 thousand in the previous year, marking an increase of 8.34%[19] - Total assets increased to CNY 265,402,078 thousand as of September 30, 2019, up from CNY 243,490,125 thousand as of December 31, 2018, representing an increase of 8.38%[19] - The bank's total equity increased to ¥23,198,423 thousand as of September 30, 2019, from ¥19,994,095 thousand at the end of 2018, reflecting a growth of about 16.1%[34] Loan and Deposit Growth - Total deposits reached CNY 163.16 billion, an increase of 4.61% compared to the end of 2018[13] - Total loans and advances amounted to CNY 147.64 billion, reflecting an 11.26% increase year-on-year[13] - The bank's customer deposits increased to ¥166,206,176 thousand as of September 30, 2019, up from ¥155,977,123 thousand at the end of 2018, representing an increase of approximately 7.9%[31] - The bank's net loans and advances increased by RMB 15,191,272 thousand, compared to an increase of RMB 13,391,862 thousand in the same period of 2018, reflecting a growth of about 13.5%[49] Risk Management - Non-performing loan ratio improved to 1.19%, a decrease of 0.01 percentage points from the end of 2018[13] - The non-performing loan ratio remained stable at 1.19%, slightly down from 1.20% at the end of 2018[22] - Provision coverage ratio increased to 255.41%, up 38.88 percentage points year-on-year[13] - The bank's credit impairment losses for the nine months ended September 30, 2019, were ¥1,394,902 thousand, compared to no losses reported in the same period of 2018[36] Cash Flow Analysis - The company reported a net cash flow from operating activities of CNY -1.50 billion, a significant improvement from CNY -21.93 billion in the same period last year, representing a 93.15% reduction in outflow[7] - Cash inflows from operating activities totaled RMB 20,171,266 thousand, significantly higher than RMB 12,718,309 thousand in the same period of 2018, marking an increase of about 58.5%[47] - The net cash outflow from operating activities was RMB 1,502,189 thousand, a substantial improvement compared to RMB 21,925,340 thousand in the previous year, indicating a reduction in cash outflow[50] - The cash and cash equivalents at the end of the period decreased to RMB 9,178,658 thousand from RMB 10,834,398 thousand year-over-year[56] Capital Adequacy - The capital adequacy ratio stood at 14.86%, up 0.69 percentage points from the end of the previous year[13] - The bank's core tier 1 capital adequacy ratio improved to 12.60% as of September 30, 2019, compared to 11.87% at the end of 2018[21] - The bank's leverage ratio was reported at 8.43% as of September 30, 2019, an increase from 7.92% at the end of 2018[24] - The bank's capital surplus increased to CNY 27,298,192 thousand, compared to CNY 23,823,837 thousand in the previous year, an increase of 14.38%[21] Investment Activities - The net cash flow from investment activities for the group was negative RMB 8,844,261 thousand, compared to a positive RMB 119,089 thousand in the same period last year[53] - The total cash outflow from investment activities was RMB 37,580,605 thousand, compared to RMB 31,174,024 thousand in the same period last year[53] - The cash inflow from the disposal of fixed assets and other long-term assets was RMB 2,987 thousand, significantly up from RMB 162 thousand last year[53]