Core Insights - Xi'an Bank reported a significant increase in operating income and net profit for the first three quarters of 2025, indicating strong financial performance [1] Financial Performance - The bank achieved operating income of 7.69 billion yuan, representing a year-on-year growth of 39.11% [1] - The net profit attributable to shareholders reached 2.033 billion yuan, with a year-on-year increase of 5.51% [1] Asset Quality - As of the end of September, the total assets of Xi'an Bank amounted to 551.135 billion yuan, reflecting a growth of 14.73% since the beginning of the year [1] - The non-performing loan ratio stood at 1.53%, a decrease of 0.19 percentage points from the beginning of the year [1] - The provision coverage ratio improved to 218.66%, an increase of 34.6 percentage points compared to the start of the year [1]

西安银行股份有限公司（以下简称"公司"）于 2025 年 10 月 24 日以电子邮件及书面方式发出关于召开第六届监事会第十九次会议 的通知，会议于 2025 年 10 月 30 日在公司总部 4 楼第 4 会议室以现 场方式召开，李超监事主持会议。本次会议应出席监事 5 名，实际出 席监事 5 名。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。 会议对如下议案进行了审议并表决： 一、审议通过了《西安银行股份有限公司 2025 年第三季度报告》 表决结果：同意 5 票，反对 0 票，弃权 0 票。 监事会认为：公司 2025 年第三季度报告的编制和审议程序符合 法律、法规、公司章程和公司内部管理制度的各项规定；报告内容和 格式符合中国证监会、国家金融监督管理总局和上海证券交易所的各 项规定，真实、准确、完整地反映出公司当期的经营管理情况和财务 状况。 二、审议通过了《西安银行股份有限公司 2025 年第三季度第三 证券代码：600928 证券简称：西安银行 公告编号：2025-057 西安银行股份有限公司 第六届监事会第十九次会议 ...

西安银行股份有限公司 证券代码：600928 证券简称：西安银行 公告编号：2025-056 表决结果：同意 10 票，反对 0 票，弃权 0 票。 特此公告。 第六届董事会第三十一次会议决议公告 西安银行股份有限公司董事会 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。 2025 年 10 月 31 日 表决结果：同意 10 票，反对 0 票，弃权 0 票。 本议案中的财务信息在提交董事会审议前已获得董事会审计委 员会审议通过。具体详见公司在上海证券交易所同日披露的《西安银 行股份有限公司 2025 年第三季度报告》。 二、审议通过了《西安银行股份有限公司 2025 年第三季度第三 支柱信息披露报告》 西安银行股份有限公司（以下简称"公司"）于 2025 年 10 月 24 日以电子邮件及书面方式发出关于召开第六届董事会第三十一次会 议的通知。会议于 2025 年 10 月 30 日在公司总部 4 楼第 1 会议室以 现场方式召开，梁邦海董事长主持会议，本次会议应出席董事 11 名， 实际出席董事 11 名。公司股东大唐西 ...

Financial Performance - The company reported a revenue of CNY 2,486,468,000 for Q3 2025, representing a year-on-year increase of 30.39%[6] - Net profit attributable to shareholders was CNY 581,516,000, showing a slight decrease of 1.47% compared to the same period last year[6] - The company achieved a basic earnings per share of CNY 0.13 for Q3 2025, with a year-to-date figure of CNY 0.46, reflecting a 6.98% increase[6] - Net profit attributable to shareholders of the parent company increased to RMB 2,033,176 thousand, representing a growth of 5.5% from RMB 1,927,036 thousand in the previous year[34] - The total comprehensive income for the group was RMB 1,540,874 thousand, down from RMB 2,024,530 thousand in the previous year, indicating a decline of 23.9%[34] Assets and Liabilities - The total assets of the company reached CNY 551,134,639,000, an increase of 14.73% from the end of the previous year[14] - The company's total liabilities increased to CNY 5,115,670,000, an increase of 14.47% from the end of the previous year[14] - Total assets increased to CNY 551.13 billion as of September 30, 2025, up from CNY 480.37 billion at the end of 2024, representing a growth of 14.74%[16] - Total liabilities rose to CNY 511.57 billion, compared to CNY 446.90 billion at the end of 2024, marking an increase of 14.48%[31] - Total loans and advances reached CNY 301.76 billion, up from CNY 237.25 billion, reflecting a growth of 27.14%[16] Equity and Capital Ratios - The total equity attributable to shareholders increased to CNY 39,504,650,000, reflecting an 18.26% increase from the end of the previous year[6] - Shareholder equity rose to CNY 39.57 billion from CNY 33.47 billion, an increase of 18.19%[31] - The company’s core Tier 1 capital adequacy ratio was reported at 8.69%[14] - Core Tier 1 capital adequacy ratio decreased to 8.69% from 10.07% year-over-year[18] - The bank's leverage ratio decreased to 6.36% from 6.63% in the previous quarter[21] Loan and Credit Quality - The non-performing loan ratio was reported at 1.53%, a decrease of 0.19 percentage points from the end of the previous year[14] - Non-performing loan ratio improved to 1.53% from 1.72% at the end of 2024[23] - Provision coverage ratio increased to 218.66%, up from 184.06% year-over-year[23] - The bank's credit impairment losses surged to RMB 4,242,140 thousand, an increase of 88.1% from RMB 2,255,576 thousand in the previous year[32] Cash Flow and Liquidity - The net cash flow from operating activities for the first nine months was CNY (2,990,167,000), an improvement of 48.99% year-on-year[11] - Cash flow from operating activities showed a net outflow of RMB 2,990,167 thousand, compared to a net outflow of RMB 5,861,621 thousand in the previous year, improving by 49.1%[36] - The net cash flow from investment activities for the nine months ended September 30, 2025, was RMB 9,957,032 thousand, a significant increase from a net outflow of RMB 745,488 thousand in the same period of 2024[37] - Cash inflow from financing activities totaled RMB 81,861,723 thousand, compared to RMB 76,456,375 thousand in the previous year, reflecting a growth of approximately 7.9%[37] - The total cash and cash equivalents at the end of the period reached RMB 48,075,016 thousand, compared to RMB 25,181,553 thousand at the end of September 2024, representing a year-over-year increase of 90.7%[37] Income and Interest - Net interest income for the nine months ended September 30, 2025, reached RMB 6,309,537 thousand, a significant increase of 61.7% compared to RMB 3,904,394 thousand in the same period of 2024[32] - The bank's interest income increased to RMB 13,544,764 thousand, a rise of 16.3% from RMB 11,645,580 thousand in the same period last year[32] - Total operating income for the group was RMB 7,690,989 thousand, up 39.1% from RMB 5,528,823 thousand year-over-year[32]

Core Insights - Xi'an Bank reported a third-quarter revenue of 2.486 billion yuan, representing a year-on-year increase of 30.39% [1] - The net profit for the third quarter was 582 million yuan, showing a year-on-year decline of 1.47% [1] - For the first three quarters, the total revenue reached 7.691 billion yuan, with a year-on-year growth of 39.11% [1] - The net profit for the first three quarters was 2.033 billion yuan, reflecting a year-on-year increase of 5.51% [1]

Core Insights - The core viewpoint of the article highlights the financial performance of Xi'an Bank in the third quarter and the first three quarters of the year, indicating a strong revenue growth but a slight decline in net profit for the third quarter [1] Financial Performance Summary - In the third quarter, Xi'an Bank reported a revenue of 2.486 billion yuan, representing a year-on-year increase of 30.39% [1] - The net profit for the third quarter was 582 million yuan, showing a year-on-year decrease of 1.47% [1] - For the first three quarters, the total revenue reached 7.691 billion yuan, with a year-on-year growth of 39.11% [1] - The net profit for the first three quarters was 2.033 billion yuan, reflecting a year-on-year increase of 5.51% [1]

证券代码：600928 证券简称：西安银行 公告编号：2025-055 西安银行股份有限公司关于 近日，西安银行股份有限公司（以下简称"公司"）收到《陕西 金融监管局关于刘金平西安银行股份有限公司董事任职资格的批复》 （陕金监复[2025]265 号），国家金融监督管理总局陕西监管局已核 准刘金平先生公司董事的任职资格。 刘金平先生的简历详见公司于 2025 年 7 月 30 日在上海证券交易 所网站（www.sse.com.cn）披露的《西安银行股份有限公司第六届董 事会第二十九次会议决议公告》。 特此公告。 西安银行股份有限公司董事会 2025 年 10 月 29 日 董事任职资格获监管机构核准的公告 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。 ...

Core Viewpoint - The city commercial bank sector experienced a decline of 2.43% on October 29, with Chengdu Bank leading the drop, while the overall stock market indices showed an increase [1][2]. Market Performance - The Shanghai Composite Index closed at 4016.33, up 0.7% - The Shenzhen Component Index closed at 13691.38, up 1.95% [1]. Individual Stock Performance - Chengdu Bank saw a significant decline of 5.74%, closing at 17.07 - Other notable declines included Xiamen Bank (-4.90%), Jiangsu Bank (-3.84%), and Qingdao Bank (-3.66%) [2]. - Chongqing Bank was one of the few gainers, with a slight increase of 0.84%, closing at 10.76 [1]. Trading Volume and Turnover - Chengdu Bank had a trading volume of 1.298 million shares, with a turnover of 22.27 million yuan - Jiangsu Bank had a trading volume of 2.039 million shares, with a turnover of 2.164 billion yuan [2]. Capital Flow Analysis - The city commercial bank sector saw a net outflow of 742 million yuan from institutional investors, while retail investors contributed a net inflow of 410 million yuan [2]. - The data indicates that speculative funds had a net inflow of 331 million yuan [2]. Individual Stock Capital Flow - Qingdao Bank had a net inflow of 61.11 million yuan from institutional investors, while it experienced a net outflow of 59.42 million yuan from speculative funds [3]. - Nanjing Bank also saw a net inflow of 43.97 million yuan from institutional investors, but a net outflow of 34.08 million yuan from speculative funds [3].

Core Viewpoint - The A-share market experienced a widespread decline in bank stocks, with notable drops in several major banks [1] Group 1: Market Performance - Shanghai Pudong Development Bank saw a decline of over 5% [1] - Other banks such as Minsheng Bank, Chongqing Rural Commercial Bank, Xi'an Bank, Jiangyin Bank, Jiangsu Bank, Zhangjiagang Bank, Shanghai Bank, Everbright Bank, Wuxi Bank, Bank of Communications, and China Construction Bank all experienced declines of over 1% [1]

Market Performance - The city commercial bank sector increased by 0.63% on October 27, with Chongqing Bank leading the gains [1] - The Shanghai Composite Index closed at 3996.94, up 1.18%, while the Shenzhen Component Index closed at 13489.4, up 1.51% [1] Individual Bank Performance - Chongqing Bank's closing price was 10.45, with a rise of 2.75% and a trading volume of 349,100 shares, amounting to a transaction value of 368 million yuan [1] - Other notable banks included Xi'an Bank, which rose by 1.95% to 4.19, and Xiamen Bank, which increased by 1.50% to 6.78 [1] - Conversely, Chengdu Bank saw a decline of 1.54%, closing at 17.96, with a trading volume of 474,100 shares [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 310 million yuan from institutional investors, while retail investors saw a net inflow of 22.9 million yuan [2] - The capital flow data indicates that Nanjing Bank had a net inflow of 21.65 million yuan from institutional investors, while Zhengzhou Bank experienced a net outflow of 13.86 million yuan [3] Summary of Trading Data - The trading data for various banks shows mixed performance, with some banks like Chongqing Bank and Xi'an Bank showing positive trends, while others like Chengdu Bank and Suzhou Bank faced declines [1][2][3] - The overall trading volume and transaction values reflect active market participation, with significant amounts traded across various banks [1][2]