证券之星消息，8月12日城商行板块较上一交易日上涨0.03%，苏州银行领涨。当日上证指数报收于 3665.92，上涨0.5%。深证成指报收于11351.63，上涨0.53%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 002966 | 苏州银行 | 8.63 | 0.94% | 29.67万 | 2.56亿 | | 002142 | 宁波银行 | 28.49 | 0.74% | 17.67万 | = 5.03亿 | | 601963 | 重庆银行 | 10.27 | 0.59% | 1 9.06万 | 9306.64万 | | 002936 | 郑州银行 | 2.10 | 0.48% | 82.44万 | 1.73亿 | | 001227 | 兰州银行 | 2.49 | 0.40% | 60.13万 | 1.50亿 | | 601997 | 贵阳银行 | 6.40 | 0.31% | 32.00万 | 2.05亿 | | 600928 | 西安银行 | 3.88 ...

Core Viewpoint - Xi'an Bank plans to hold its second extraordinary general meeting of shareholders for 2025 on August 14, where it will discuss several proposals, including the election of new board members and the issuance of financial bonds not exceeding 10 billion yuan [2][4]. Group 1: Financial Bond Issuance - The bank intends to issue financial bonds with a total amount not exceeding 10 billion yuan, which has attracted significant market attention [4]. - The bonds will have a maturity of no more than 5 years and will include various types such as ordinary financial bonds, special financial bonds for small and micro enterprises, green financial bonds, agricultural-related bonds, and technology innovation bonds [5]. - The funds raised from this bond issuance will be used to optimize the bank's long-term asset-liability matching structure and to support its long-term asset business, subject to applicable laws and regulatory approvals [5]. Group 2: Recent Bond Issuance Activities - In 2023, Xi'an Bank has been active in issuing bonds, having issued 2 billion yuan in April and another 2 billion yuan in June, both with a fixed interest rate of 2.35% and a term of "5+5 years" to enhance its Tier 2 capital [5]. - In late June, the bank redeemed a 2 billion yuan Tier 2 capital bond issued in 2020 and was approved to issue 7 billion yuan in perpetual bonds, successfully issuing 5 billion yuan in the first phase of 2025 with a fixed interest rate of 2.4% for the first 5 years [5].

Group 1 - The core point of the article is the issuance of a new financial product by Xi'an Bank, specifically the Jin Silk Road Ju Li Ying series, which is a closed-end net value type wealth management product [1] - The fundraising period for the product is from August 8, 2025, to August 14, 2025, with a maximum fundraising scale of 1.5 billion yuan and a minimum of 10 million yuan [1] - The starting investment amount for individual investors is set at 10,000 yuan, while institutional investors have a starting amount of 500,000 yuan [1] Group 2 - The product is classified as a fixed income type with an internal risk rating of R2, indicating a medium-low risk level [1] - The product has a duration of 364 days and an annualized performance benchmark ranging from 2.20% to 2.80% [1] - It is important to note that the performance benchmark does not represent the expected return and does not guarantee future performance or actual returns [1]

Core Viewpoint - The article compares two city commercial banks in Shaanxi Province, Chang'an Bank and Xi'an Bank, highlighting their differences in ownership structure, financial performance, and operational focus [2][3][5]. Ownership and Structure - Chang'an Bank was established in 2009 through the merger of several city commercial banks and is primarily state-owned, with over 50% of shares held by provincial state-owned enterprises [2]. - Xi'an Bank was founded in 1997 and has a more diversified ownership structure, with significant foreign investment from the Canadian Imperial Bank of Commerce and local state-owned enterprises [4][5]. Capital Market Presence - Chang'an Bank has not yet listed on any stock exchange, while Xi'an Bank went public in 2019 on the Shanghai Stock Exchange [5]. Operational Scope - Chang'an Bank operates across all 10 cities in Shaanxi Province with a total of 260 branches, while Xi'an Bank also covers the entire province but has a more concentrated revenue base from Xi'an city, accounting for 97.90% of its income [5][6]. Financial Performance - As of the end of 2024, Chang'an Bank reported total assets of 542.29 billion yuan and net profit of 2.176 billion yuan, while Xi'an Bank had total assets of 480.37 billion yuan and net profit of 2.559 billion yuan [7][8]. - Chang'an Bank's revenue heavily relies on net interest income, which constituted 95.30% of its total revenue, compared to Xi'an Bank's 67.44% [15][20]. Asset Quality - Both banks have faced challenges with asset quality, with Chang'an Bank's non-performing loan (NPL) ratio at 1.85% and Xi'an Bank's at 1.72% as of 2024 [23][30]. - Xi'an Bank has a higher provision coverage ratio of 184.06%, indicating better asset quality management compared to Chang'an Bank's 173.44% [7][30]. Employee Compensation - Chang'an Bank's employee costs are higher, with total expenditures of 1.924 billion yuan and an average salary of approximately 380,000 yuan per employee, compared to Xi'an Bank's 1.126 billion yuan and an average salary of about 330,000 yuan [31]. Long-term Trends - Over the past decade, Chang'an Bank's total assets have consistently surpassed those of Xi'an Bank since 2019, indicating a stronger growth trajectory [9]. - Despite fluctuations, Xi'an Bank's net profit has historically been higher, but the gap is narrowing as Chang'an Bank's profitability stabilizes [13][33].

| 601860 | 紫金银行 | -0.66 | 1.78 | -778.68 | | --- | --- | --- | --- | --- | | 600036 | 招商银行 | -0.29 | 0.21 | -666.17 | | 002807 | 江阴银行 | -0.83 | 0.70 | -583.01 | | 601825 | 沪农商行 | -0.53 | 0.16 | -572.73 | | 002948 | 青岛银行 | 0.99 | 1.24 | -410.70 | | 601963 | 重庆银行 | -0.48 | 0.50 | -306.36 | | 600000 | 浦发银行 | 0.29 | 0.28 | -259.69 | | 601187 | 厦门银行 | 0.00 | 1.63 | -242.53 | | 600928 | 西安银行 | 0.26 | 0.59 | -97.37 | | 600908 | 无锡银行 | -0.49 | 0.59 | -37.20 | | 603323 | 苏农银行 | -0.73 | 0.99 | 378.64 | | 002958 | 青农商 ...

西安银行股份有限公司 会议材料 （股票代码：600928） 目 录 西安银行股份有限公司关于选举刘金平先生为第六届董事会董事的议案 ..... 6 西安银行股份有限公司关于选举张蕾女士为第六届董事会独立董事的议案 ... 8 西安银行股份有限公司关于选举张成喆先生为第六届董事会董事的议案 .... 10 会 议 议 程 时 间：2025 年 8 月 14 日（星期四）上午 9：30 地 点：陕西省西安市高新路 60 号西安银行大厦三楼会议室 会 议 须 知 为了维护全体股东的合法权益，确保股东大会会议秩序和议 事效率，根据《中华人民共和国公司法》《上市公司股东会规则》 《西安银行股份有限公司章程》和《西安银行股份有限公司股东 大会议事规则》等相关规定，制定本须知。 一、股东及股东代理人参加股东大会，应认真履行法定权利 和义务，尊重和维护其他股东的合法权益。会议期间请将手机铃 声置于无声状态，谢绝个人进行拍照、录音、录像，请勿随意走 动和打断他人的正常发言，保障股东大会的正常秩序。。 二、在会议主持人宣布现场出席会议的股东和股东代理人人 数及其所持有表决权的股份总数之前，会议登记终止。 三、股东及股东代理人参加 ...

Group 1 - Xi'an Bank announced the appointment of Zhang Chengzhe as the new president, pending regulatory approval of his qualifications [2] - Zhang Chengzhe was also elected as the vice chairman of the sixth board of directors, effective after shareholder approval and regulatory qualification [2] - The previous president, Liang Banghai, resigned from his position, and Zhang Chengzhe's appointment fills a year-long vacancy in the president role [4] Group 2 - Zhang Chengzhe, born in 1967, has extensive experience within Xi'an Bank, having held various managerial positions [4] - The bank's management structure currently consists of one president and two vice presidents, indicating a need for further strengthening of the leadership team [4] - Over the past year, Xi'an Bank has seen significant turnover in its executive team, with multiple high-level departures, raising concerns about management stability [4]

经济观察网8月5日，西安银行（600928）发布公告称，将于8月14日召开2025年第二次临时股东大会， 会议采用现场投票与网络投票相结合的方式。本次股东大会将审议多项议案，包括选举刘金平、张成喆 为第六届董事会董事，选举张蕾为独立董事，以及拟在全国银行间债券市场发行不超过人民币100亿元 (含100亿元)的非资本类金融债券等事项。 ...

西安银行股份有限公司 2025 年第二次临时股东大会 会议材料 （股票代码：600928） | | | | 目 | | 录 | 2 | | --- | --- | --- | --- | | 会 | 议 | 议 程 | 3 | | 会 | 议 | 须 知 | 4 | | | | 西安银行股份有限公司关于选举刘金平先生为第六届董事会董事的议案 | 6 | | | | 西安银行股份有限公司关于选举张蕾女士为第六届董事会独立董事的议案... | 8 | | | | 西安银行股份有限公司关于选举张成喆先生为第六届董事会董事的议案 | 10 | | | | 西安银行股份有限公司关于发行金融债券（非资本类）的议案 | 12 | 2 2025 年第二次临时股东大会会议材料 会 议 议 程 召开方式：现场会议+网络投票 七、投票表决 2025 年 8 月 14 日·西安 2025 年第二次临时股东大会会议材料 3 时 间：2025 年 8 月 14 日（星期四）上午 9：30 地 点：陕西省西安市高新路 60 号西安银行大厦三楼会议室 召 集 人：公司董事会 一、宣布会议开始 二、宣读会议须知 三、报告和审议议案 四、提问与 ...

经济观察网西安银行（600928）于8月5日发布公告称，股东西安曲江文化产业风险投资有限公司持有西 安银行100,628,200股股份，占总股本的2.26%。2025年8月4日，西安曲江文化解除质押股份857,177股， 占其持股的0.85%，占西安银行总股本的0.02%。本次解除质押后，西安曲江文化剩余被质押股份 49,142,823股，占其持股的48.84%，占西安银行总股本的1.11%。(编辑胡群) ...