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 - 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].

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]

西安银行（600928）公告，2025年第一季度营业收入20.39亿元，同比增长8.14%；净利润7.12亿元，同 比增长4.30%。 ...

证券代码：600928 证券简称：西安银行 公告编号：2025-016 西安银行股份有限公司董事会 2025 年 4 月 29 日 特此公告。 西安银行股份有限公司关于 2025 年 二级资本债券（第一期）发行完毕的公告 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。 经国家金融监督管理总局陕西监管局和中国人民银行批准，西安 银行股份有限公司（以下简称"本公司"）近日在全国银行间债券市 场成功发行"西安银行股份有限公司 2025 年二级资本债券（第一期）" （以下简称"本期债券"）。 本期债券于 2025 年 4 月 24 日簿记建档，并于 2025 年 4 月 28 日 发行完毕，发行规模为人民币 20 亿元，品种为 10 年期固定利率债券， 在第 5 年末附有前提条件的发行人赎回权，票面利率为 2.35%。 本期债券的募集资金将依据适用法律和监管部门的批准用于充 实本公司二级资本，提高资本充足率，以增强本公司营运实力，提高 抗风险能力，支持业务持续稳健发展。 ...

证券代码：600928 证券简称：西安银行 公告编号：2025-015 西安银行股份有限公司关于 召开 2024 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 担法律责任。 重要内容提示： 会议召开时间：2025 年 4 月 30 日（星期三）15：00-16：00 会 议 召 开 地 点 ： 上 海 证 券 报 · 中 国 证 券 网 ( 网 址 ： https://roadshow.cnstock.com） 会议召开方式：网络平台在线交流互动 投资者可于 2025 年 4 月 28 日（星期一）17：00 前将相关问 题通过电子邮件的形式发送至本公司邮箱：xacb_ddw@xacbank.com， 本公司将于 2024 年度业绩说明会上对投资者普遍关注的问题进行回 答 一、说明会类型 1.会议召开时间：2025 年 4 月 30 日（星期三）15：00-16：00。 2. 会 议 召 开 地 点 ： 上 海 证 券 报 · 中 国 证 券 网 ( 网 址 ： https://roadshow.cnstock.c ...

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：600928 证券简称：西安银行 公告编号：2025-014 西安银行股份有限公司关于诉讼事项的公告 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。 重要内容提示： ● 案件所处的诉讼阶段：已立案，未开庭。 ● 上市公司所处的当事人地位：西安银行股份有限公司（以下简称"本公司"）咸阳分行为原告。 ● 涉案的金额：借款本金7.3亿元及相应的利息、复息、罚息以及实现债权和担保权的全部费用。 ● 是否会对上市公司产生影响：本公司已将该笔贷款纳入不良贷款并计提了相应减值准备。预计本次诉 讼事项不会对本公司的本期利润或期后利润造成重大影响。 一、本次诉讼的基本情况 近日，本公司咸阳分行以金融借款合同纠纷为由，对兴平鸿远发展建设有限公司（以下简称"鸿远公 司"）、启迪环境科技发展股份有限公司（以下简称"启迪公司"）以及湖南金沙路桥建设有限公司提起 诉讼,本次诉讼已由陕西省咸阳市中级人民法院立案受理。 二、本次诉讼的案件事实及诉讼请求 （一）案件事实 2018年11月，本公司咸阳分 ...

证券代码：600928 证券简称：西安银行 公告编号：2025-014 西安银行股份有限公司关于诉讼事项的公告 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。 重要内容提示： 案件所处的诉讼阶段：已立案，未开庭。 2018 年 11 月，本公司咸阳分行与鸿远公司签订《固定资产及项 目贷款借款合同》，约定向鸿远公司发放贷款 8.8 亿元（实际发放贷 款 8.5 亿元），用于兴平市生态湿地综合项目配套基础设施建设，借 款期限至 2028 年 10 月 20 日。鸿远公司以其具有所有权或处分权的 项目收益权提供质押担保，启迪公司为鸿远公司对本笔贷款债务提供 连带保证责任。截至目前该笔贷款本金余额 7.3 亿元。 因出现合同约定的风险事项，本公司咸阳分行依据《固定资产及 项目贷款借款合同》约定，宣布该笔贷款提前到期并要求债务人清偿 贷款本息，因此依法向陕西省咸阳市中级人民法院提起本次诉讼。 上市公司所处的当事人地位：西安银行股份有限公司（以下简 称"本公司"）咸阳分行为原告。 涉案的金额：借款本金 7.3 亿元及相应的利息、复息、罚 ...

近日，西安银行股份有限公司（以下简称"公司"）收到《陕西 金融监管局关于西安银行股份有限公司发行二级资本债券的批复》 （陕金监复[2025]66 号），陕西金监局同意本公司发行不超过 40 亿 元人民币（含）的二级资本债券，在批准后的 24 个月内，可自主决 定发行时间、批次和规模。 本公司将严格按照《商业银行资本管理办法》等监管规定，做好 本次二级资本债券的发行管理和信息披露工作。 特此公告。 证券代码：600928 证券简称：西安银行 公告编号：2025-013 西安银行股份有限公司关于 二级资本债券发行额度获监管机构批准的公告 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。 西安银行股份有限公司董事会 2025 年 4 月 18 日 ...

西安银行股份有限公司（以下简称"公司"）第六届董事会第二 十七次会议以通讯表决方式召开，决议表决截止日为 2025 年 4 月 8 日，会议通知已于 2025 年 4 月 3 日以电子邮件方式发出。本次会议 应参与表决董事 7 名，实际参加表决董事 7 名，公司股东大唐西市文 化产业投资集团有限公司股权质押比例超过 50%，根据监管规定对其 提名的胡军董事在董事会上的表决权进行了限制。本次会议的召开符 合《中华人民共和国公司法》等法律法规和《西安银行股份有限公司 章程》的有关规定。会议所形成的决议合法、有效。 会议审议并表决通过了《西安银行股份有限公司关于调整第六届 董事会专门委员会组成人选的议案》。 证券代码：600928 证券简称：西安银行 公告编号：2025-012 西安银行股份有限公司 第六届董事会第二十七次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担法律责任。 表决结果：同意 7 票，反对 0 票，弃权 0 票。 董事会同意增补李晓独立董事为第六届董事会审计委员会委员。 特此公告。 西安银行股份有限公司董事会 ...