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 - 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 ...