证券代码：600928 证券简称：西安银行 公告编号：2025-021 西安银行股份有限公司 2024 年度利润分配预案公告 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 担法律责任。 重要内容提示： 每股分配比例：每 10 股派发现金股利 1.00 元人民币（含税）。 本次利润分配以实施权益分派股权登记日登记的总股本为基 数，具体日期将在权益分派实施公告中明确。 本次利润分配预案尚需提交公司 2024 年年度股东大会审议通 过后方可实施。 本公司不触及《上海证券交易所股票上市规则》第 9.8.1 条第 一款第（八）项规定的可能被实施其他风险警示的情形。 一、利润分配预案内容 2024 年度，西安银行股份有限公司（以下简称"公司"）聘请安 永华明会计师事务所（特殊普通合伙）对公司 2024 年度会计报表按 国内准则进行了审计并出具了无保留意见的审计报告。按照审计报告， 本公司 2024 年度实现母公司口径净利润 25.57 亿元，经董事会审议， 拟定 2024 年度利润分配预案如下： （一）本公司法定盈余公积金已超过注册资本的 50%， ...

定对象发行可转换公司债券决议及授权延期的议案》，同意并拟提请 股东大会批准，将本次向不特定对象发行可转换公司债券决议和授权 董事会并由董事会转授权经营管理层全权办理相关事宜的有效期再 延长十二个月，即延长至 2026 年 5 月 23 日。除延长决议和授权的有 效期外，本次向不特定对象发行可转换公司债券相关的其他内容不变。 上述事项尚需提交公司股东大会审议。 2025 年 4 月 29 日 特此公告。 西安银行股份有限公司董事会 证券代码：600928 证券简称：西安银行 公告编号：2025-023 西安银行股份有限公司关于延长向不特定对象 发行可转换公司债券决议及授权有效期的公告 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 担法律责任。 2023 年 3 月 23 日和 2023 年 5 月 24 日，西安银行股份有限公司 （以下简称"公司"）分别召开第六届董事会第九次会议和 2022 年年 度股东大会，审议通过了公司向不特定对象发行可转换公司债券相关 事宜。根据上述会议决议，公司向不特定对象发行可转换公司债券决 议的有效期及授权董 ...

关于西安银行股份有限公司 2024 年度非经营性资金占用及其他关联资金往来情况的专项说明 非经营性资金占用及其他关联资金往来情况的专项说明 安永华明（2025）专字第70024719_B01号 西安银行股份有限公司 西安银行股份有限公司董事会： 如实编制和对外披露汇总表，并确保其真实性、合法性、完整性是西安银行的责任。我们 对汇总表所载资料与我们审计西安银行2024年度财务报表时所复核的会计资料和经审计的财 务报表的相关内容进行了核对，在所有重大方面没有发现不一致之处。除了对西安银行2024 年度财务报表出具审计报告而执行的审计程序外，我们并未对汇总表所载资料执行额外的审计 程序。 为了更好地理解西安银行2024年度非经营性资金占用及其他关联资金往来情况，汇总表 应当与经审计的财务报表一并阅读。 本专项说明仅供西安银行为2024年度报告披露使用，不适用于其他用途。 安永华明会计师事务所（特殊普通合伙） 中国注册会计师：许旭明 中国注册会计师：陈 露 中国 北京 2025 年 4 月 29 日 我们审计了西安银行股份有限公司（以下简称"西安银行"）的2024年度财务报表，包 括2024年12月31日的合并及公司 ...

西安银行股份有限公司 已审财务报表 2024年度 目 录 | | 页 | | 次 | | --- | --- | --- | --- | | 审计报告 | 1 | - | 8 | | 已审财务报表 | | | | | 合并资产负债表 | 9 | - | 10 | | 合并利润表 | 11 | - | 12 | | 合并股东权益变动表 | 13 | - | 14 | | 合并现金流量表 | 15 | - | 16 | | 公司资产负债表 | 17 | - | 18 | | 公司利润表 | 19 | - | 20 | | 公司股东权益变动表 | 21 | - | 22 | | 公司现金流量表 | 23 | - | 24 | | 财务报表附注 | 25 | - | 182 | | 补充资料 | | | | | 1. 非经常性损益明细表 | | 1 | | | 2. 净资产收益率和每股收益 | 2 | - | 3 | | 3. 杠杆率信息 | | 3 | | | 4. 监管资本 | | 3 | | 审计报告 安永华明（2025）审字第70024719_B01号 西安银行股份有限公司 西安银行股份有限公司全体股东： 一 ...

西安银行股份有限公司 内部控制审计报告 2024年12月31日 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审 计了西安银行股份有限公司（以下简称"西安银行"）2024年12月31日的财务报告内 部控制的有效性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价 指引》的规定，建立健全和有效实施内部控制，并评价其有效性是西安银行董事会的 责任。 二、注册会计师的责任 我们的责任是在实施审计工作的基础上，对财务报告内部控制的有效性发表审计 意见，并对注意到的非财务报告内部控制的重大缺陷进行披露。 内部控制审计报告 安永华明（2025）专字第70024719_B02号 西安银行股份有限公司 西安银行股份有限公司全体股东： 三、内部控制的固有局限性 内部控制具有固有局限性，存在不能防止和发现错报的可能性。此外，由于情况 的变化可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低，根据内 部控制审计结果推测未来内部控制的有效性具有一定风险。 四、财务报告内部控制审计意见 我们认为，西安银行于2024年12月31日按照《企业内部控制基本 ...

西安银行现任独立董事共三名，分别是李晓、于春玲、曹慧涛。 经核查，本公司董事会认为:前述人员均不在公司担任除独立董事之 外的其他职务，与公司及公司主要股东、实际控制人不存在直接或者 间接利害关系，或者其他可能影响其进行独立客观判断的关系。符合 相关法律法规、监管规定和公司章程关于独立董事独立性的相关要求， 不存在影响其独立履职的相关情况。 西安银行股份有限公司董事会 2025年4月29日 西安银行股份有限公司董事会 关于独立董事独立性评估的专项意见 根据《上市公司独立董事管理办法》《上海证券交易所股票上市 规则》和《上海证券交易所上市公司自律监管指引第1号——规范运 作》等法律法规、规范性文件的相关规定，西安银行股份有限公司（以 下简称"西安银行"或"公司"）董事会在独立董事对其独立性进行 自查的基础上，对本公司现任独立董事的独立性进行了评估并出具如 下专项意见： ...

西安银行股份有限公司 独立董事2024年度述职报告 （李晓） 2024年，作为西安银行股份有限公司（以下简称"西安银行"或 "公司"）的独立董事，本人能够严格按照《银行保险机构公司治理 准则》《上市公司独立董事管理办法》和《上海证券交易所上市公司 自律监管指引第1号——规范运作》等法律法规、规范性文件的相关 规定以及《西安银行股份有限公司章程》和《西安银行股份有限公司 独立董事工作规则》的相关要求，勤勉尽职，切实履行独立董事职责。 现将本人2024年度履职情况报告如下： 一、基本情况 本人李晓，1963 年 4 月出生，中国国籍，博士研究生学历，教 授，博士生导师。历任吉林大学经济学院讲师、副教授、教授、博士 生导师、副院长、院长。现任吉林大学"匡亚明学者"卓越教授，兼 任珠海市横琴粤澳深合区智慧金融研究院院长(首席经济学家）,广州 商学院名誉校长,富奥汽车零部件股份有限公司独立董事，西安银行 独立董事。 本人不在公司担任除独立董事之外的其他职务，本人与公司及其 主要股东、实际控制人不存在直接或者间接利害关系，或者其他可能 影响本人进行独立客观判断的关系。本人具备相关法律法规、监管规 定和公司章程关于独立董事 ...

Financial Performance - The company reported a revenue of CNY 2,038,926,000 for Q1 2025, representing an 8.14% increase compared to CNY 1,885,441,000 in Q1 2024[5] - Net profit attributable to ordinary shareholders was CNY 711,993,000, up 4.30% from CNY 682,628,000 in the same period last year[5] - The bank's net profit for the quarter was CNY 710 million, up from CNY 683 million, reflecting a growth of 3.9%[32] - The net profit for the three months ended March 31, 2025, was RMB 714,168 thousand, compared to RMB 682,180 thousand in the same period of 2024, showing a growth of about 4.7%[42] Cash Flow - The net cash flow from operating activities was CNY 3,008,556,000, a significant recovery from a negative cash flow of CNY 10,852,789,000 in Q1 2024[5] - Net cash flow from operating activities for the three months ended March 31, 2025, was RMB 3,263,252 thousand, a significant improvement compared to a net outflow of RMB 10,752,620 thousand in the same period of 2024[46] - Total cash inflow from operating activities increased to RMB 41,031,044 thousand in 2025, up from RMB 26,652,627 thousand in 2024, representing a growth of approximately 54%[35] - Cash inflow from financing activities amounted to RMB 24,457,675 thousand, slightly down from RMB 26,193,775 thousand in the previous year[47] - The company reported a net increase in cash and cash equivalents of RMB 12,759,734 thousand for the period, contrasting with a decrease of RMB 3,979,950 thousand in the previous year[47] Assets and Liabilities - Total assets reached CNY 519,724,347,000, an increase of 8.19% from CNY 480,370,120,000 at the end of 2024[13] - The total liabilities increased to CNY 485,962,068,000, up 8.74% from CNY 446,898,269,000 at the end of 2024[15] - Total assets increased to CNY 519,724 million from CNY 480,370 million, marking an 8.2% growth[29] - Total liabilities increased to RMB 478,755,416 thousand as of March 31, 2025, compared to RMB 439,480,606 thousand at the end of 2024, reflecting an increase of approximately 8.9%[39] Risk Management - The non-performing loan ratio improved to 1.61%, down 0.11 percentage points from the end of 2024[13] - The provision coverage ratio improved to 190.07%, up from 184.06%, indicating stronger risk management[21] - The non-performing loan ratio improved to 1.61% from 1.72%, indicating a decrease in credit risk[20] Capital Adequacy - The core Tier 1 capital adequacy ratio stood at 9.36%, while the overall capital adequacy ratio was 11.69%[13] - Core Tier 1 capital decreased to CNY 31,807 million from CNY 31,910 million, reflecting a decline of 0.32%[18] - The total risk-weighted assets increased to CNY 339,693 million, up from CNY 317,002 million, representing a growth of 7.36%[18] Earnings and Returns - The company achieved a basic earnings per share of CNY 0.16, a 6.67% increase from CNY 0.15 in Q1 2024[5] - The weighted average return on equity was 2.12%, a decrease of 0.07 percentage points compared to 2.19% in the previous year[5] - Net interest income rose to CNY 1,807 million, an increase of 45.7% compared to CNY 1,240 million in the previous year[32] - Net interest income rose to RMB 1,795,539 thousand in Q1 2025, up from RMB 1,226,803 thousand in Q1 2024, reflecting an increase of about 46%[42] Customer Deposits - The company reported a net increase in deposits of RMB 30,064,727 thousand in Q1 2025, compared to RMB 4,545,764 thousand in Q1 2024, indicating a substantial increase in customer deposits[35] - The net increase in customer deposits was RMB 29,988,848 thousand, compared to RMB 4,396,372 thousand in the previous year, reflecting a substantial increase of 581.5%[46]

Financial Performance - As of the end of 2024, the total assets of Bank of Xi'an reached RMB 480.37 billion, an increase of 11.14% compared to the end of the previous year[10]. - The total principal of loans and advances amounted to RMB 237.25 billion, reflecting a growth of 16.92% year-on-year[10]. - The total principal of deposits reached RMB 322.03 billion, which is a 9.61% increase from the previous year[10]. - In 2024, the bank achieved an operating income of RMB 8.19 billion, representing a year-on-year growth of 13.68%[10]. - The net profit attributable to shareholders of the parent company was RMB 2.56 billion, up 3.91% year-on-year[10]. - The company's operating revenue for 2024 reached CNY 8,190,241 thousand, representing a year-on-year increase of 13.68% compared to CNY 7,204,769 thousand in 2023[23]. - The net profit attributable to shareholders of the parent company for 2024 was CNY 2,558,554 thousand, reflecting a growth of 3.91% from CNY 2,462,237 thousand in 2023[23]. - The basic earnings per share for 2024 was CNY 0.58, a 5.45% increase compared to CNY 0.55 in 2023[26]. - The company's net interest income was 5,523.87 million yuan, up 4.08% year-on-year, driven by growth in loans and advances[85]. - The company reported a significant increase in non-interest income, which rose by 40.54% to 2,666.37 million yuan[77]. Risk Management - The bank is committed to risk management, focusing on early detection and prevention of financial risks to maintain asset quality[12]. - The non-performing loan ratio increased to 1.72% in 2024, up from 1.35% in 2023, an increase of 0.37 percentage points[29]. - The capital adequacy ratio decreased to 12.41% in 2024 from 13.14% in 2023, a decline of 0.73 percentage points[29]. - The company has implemented measures to strengthen risk management and improve the quality of credit assets during the reporting period[151]. - The company has established a comprehensive risk management system to effectively identify, measure, monitor, and respond to various risks[172]. - The company has implemented a comprehensive credit risk management system to enhance asset quality and optimize credit structure, focusing on a unified credit assessment and risk management approach[173]. Customer and Market Development - The bank provided loans exceeding RMB 16 billion to key provincial and municipal projects throughout the year[12]. - New loans to the manufacturing sector amounted to nearly CNY 5 billion, supporting local economic development[48]. - The balance of loans to technology enterprises increased by CNY 1.63 billion, a growth of 26.54%[53]. - The company expanded its customer base for elderly financial services, conducting 5,249 financial activities and serving over 200,000 people[58]. - The company issued 8.38 million new credit cards during the reporting period, with total customer transactions reaching 11.76 million, a year-on-year increase of 14.80%[59]. - The company added 10,900 new inclusive small and micro customers, effectively expanding its inclusive customer base[61]. - The financial market business customer base grew to 1,800, with active bond trading reflecting regional and brand influence[64]. Operational Efficiency - The cost-to-income ratio improved to 24.44% in 2024 from 27.45% in 2023, a decrease of 3.01 percentage points[29]. - The liquidity coverage ratio significantly increased to 1110.87% in 2024, compared to 890.40% in 2023[42]. - The liquidity ratio improved to 165.05% in 2024 from 142.96% in 2023, an increase of 22.09 percentage points[29]. - The company focused on optimizing its asset and liability structure, leading to improved efficiency in fund utilization[79]. Future Outlook - Looking ahead to 2025, the bank aims to accelerate market-oriented high-quality reform and contribute to regional economic development[13]. - The company is pursuing a strategic vision of becoming a regionally leading bank with distinctive characteristics and excellent investment value[73]. - The company plans to implement a three-year action plan to achieve high-quality transformation and development[198]. Compliance and Governance - The company is committed to strengthening risk management and compliance, ensuring a robust foundation for sustainable development[75]. - The company has enhanced its internal audit and compliance management, optimizing audit standards and improving the efficiency of contract and legal document reviews[182]. - The company is focusing on improving its reputation risk management by optimizing the management mechanism and revising relevant policies to enhance overall management levels[188]. Challenges and Risks - The company faces challenges from increased competition and the need for innovation in financial services to adapt to market changes[196]. - Potential risks include a slowdown in macroeconomic growth, deep adjustments in the real estate market, and challenges related to digital transformation[200]. - The company faces increased risks related to data security and network security due to reliance on technological innovation and digital transformation[200].