独立董事候选人声明与承诺 本人冯根福，已充分了解并同意由西安银行股份有限公司董 事会提名与薪酬委员会提名为西安银行股份有限公司第六届董 事会独立董事候选人。本人公开声明，本人具备独立董事任职资 格，保证不存在任何影响本人担任西安银行股份有限公司独立董 事独立性的关系，具体声明并承诺如下： 一、本人具备上市公司运作的基本知识，熟悉相关法律、行 政法规、部门规章及其他规范性文件，具有 5 年以上法律、经济、 会计、财务、管理或者其他履行独立董事职责所必需的工作经验。 本人已经参加培训并取得证券交易所认可的相关培训证明 材料。 二、本人任职资格符合下列法律、行政法规和部门规章以及 公司规章的要求： （一）《中华人民共和国公司法》关于董事任职资格的规定； （二）《中华人民共和国公务员法》关于公务员兼任职务的 规定（如适用）； （三）中国证监会《上市公司独立董事管理办法》、上海证 券交易所自律监管规则以及公司章程有关独立董事任职资格和 条件的相关规定； （四）中共中央纪委、中共中央组织部《关于规范中管干部 辞去公职或者退（离）休后担任上市公司、基金管理公司独立董 事、独立监事的通知》的规定（如适用）； （五）中共中央组 ...

二、针对本公司独立董事目前存在的问题，本公司已经在前期市 场遴选的基础上，迅速与多名意向候选人进行了对接，正在加快推进 独立董事资格预审工作，并将在 2023 年年度股东大会上正式履行独 立董事调整的相关治理程序。 证券代码：600928 证券简称：西安银行 公告编号：2024-021 三、公司治理是保障公司高质量发展、形成核心竞争力的关键因 素，而独立董事制度作为上市公司治理结构的重要一环，在促进公司 规范运作、保护中小投资者合法权益、推动资本市场健康稳定发展等 方面发挥了积极作用。本公司将以此为戒，深刻认识独立董事机制改 革的重要意义，建立独立董事履职保障和动态调整的长效机制，充分 发挥独立董事"参与决策、监督制衡、专业咨询"的职责定位，努力 提升公司治理的合规性、有效性和开放性，持续夯实公司健康可持续 发展的治理根基。同时，本公司亦将积极发挥信息披露和投资者关系 管理等外部市场力量的监督约束作用，以公司治理提升赋能经营管理 发展，努力实现基本面和经营情况的持续向好，切实践行上市公司的 责任义务，回馈广大投资者的信任。 特此公告。 西安银行股份有限公司关于 陕西证监局行政监管措施的整改报告 本公司董事会及 ...

证券代码：600928 证券简称：西安银行 公告编号：2024-020 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 担个别及连带责任。 为促进上市公司规范运作、稳健发展，增强上市公司信息透明度， 加强与广大投资者沟通交流，进一步提升投资者关系管理水平，陕西 上市公司协会根据陕西证监局工作部署，联合深圳市全景网络有限公 司举办"2024 年陕西辖区上市公司投资者集体接待日暨 2023 年度业 绩说明会活动"。 届时，本公司主要负责人及相关高级管理人员将通过互动平台与 投资者进行网络沟通和交流，欢迎广大投资者踊跃参加！ 活动时间：2024 年 5 月 22 日（星期三）15:00-17:00。 活动地址："全景路演"。 活动网址：http://rs.p5w.net。 西安银行股份有限公司关于参加 "2024 年陕西辖区上市公司投资者集体接待日 暨 2023 年度业绩说明会"的公告 特此公告。 西安银行股份有限公司董事会 2024 年 5 月 15 日 ...

特此公告。 梁永明独立董事辞职的公告 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 担个别及连带责任。 西安银行股份有限公司（以下简称"公司"）独立董事梁永明先 生根据监管部门的资格批复时间在公司任期即将届满。梁永明先生于 2024 年 5 月 7 日向公司董事会递交了辞职报告，申请辞去公司第六 届董事会独立董事及董事会相关专门委员会职务。梁永明先生已确认 与公司董事会无不同意见，亦无任何与辞去独立董事职务有关的事项 需要通知公司股东及债权人。 由于梁永明先生辞职将导致公司独立董事人数低于董事会人数 的三分之一且独立董事中欠缺会计专业人士，在公司股东大会选举产 生新的独立董事并经监管部门核准任职资格履职前，梁永明先生将按 照法律法规和公司章程的规定，继续履行公司独立董事及董事会相关 专门委员会职务。 公司董事会对梁永明先生在任期间为公司做出的贡献表示衷心 感谢！ 证券代码：600928 证券简称：西安银行 公告编号：2024-019 西安银行股份有限公司关于 西安银行股份有限公司董事会 2024 年 5 月 8 日 ...

证券代码：600928 证券简称：西安银行 公告编号：2024-018 西安银行股份有限公司 关于股东解除部分股份质押及再质押的公告 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 担个别及连带责任。 重要内容提示 西安曲江文化产业风险投资有限公司（以下简称"西安曲江文 化"）持有西安银行股份有限公司（以下简称"公司"）100,628,200 股股份，占公司总股本的2.26%。西安曲江文化本次解除质押及再质 押公司股份34,189,900股，占其持有公司股份的33.98%。西安曲江文 化本次解除质押及再质押后，累计被质押股份50,000,000股，占其持 有公司股份的49.69%。 | 持股比例 | 2.26% | | --- | --- | | 剩余被质押股份数量 | 15,810,100 股 | | 剩余被质押股份数量占其所持股份比例 | 15.71% | | 剩余被质押股份数量占公司总股本比例 | 0.36% | 二、股份质押情况 1、本次股份质押基本情况 | 股东 | 是否为控 | 本次质押股 | 是否为 | 是否补 | 质押起始 ...

上述问题违反《上市公司独立董事管理办法》（证监会令第220号）第十三条、第十五条规定，根据 《上市公司独立董事管理办法》第四十四条规定，我局决定对你公司及独立董事廖志生采取责令改正的 监管措施。针对上述公司治理不规范问题，你们应自收到本决定书之日起十五个工作日内向我局提交书 面整改报告。 如对本监管措施不服，可以在收到本决定书之日起60日内向中国证监会提出行政复议申请，也可以 在收到本决定书之日起6个月内向有管辖权的人民法院提起诉讼。复议和诉讼期间，上述监管措施不停止 执行。 陕西证监局 2024年4月25日 【打印】 【关闭窗口】 | 索 | 引 | 号 | bm56000001/2024-00004607 类 | 分 | | | --- | --- | --- | --- | --- | --- | | | 发布机构 | | 发文日期 1714001940000 | | | | 名 | | 称 | 关于对西安银行股份有限公司、廖志生采取责令改正监管措施的决定 | | | | 文 | | 号 | 陕证监措施字〔2024〕9号 词 | 主 | 题 | 关于对西安银行股份有限公司、廖志生采取责令改正监管措施的决 ...

Financial Performance - Total assets reached CNY 432.201 billion, an increase of 6.50% compared to the end of the previous year[34]. - Total loan principal amounted to CNY 202.922 billion, growing by 6.98% year-on-year[34]. - Total deposit principal was CNY 293.786 billion, up 4.79% from the previous year[34]. - Annual operating income was CNY 7.205 billion, reflecting a year-on-year growth of 9.70%[34]. - Net profit attributable to shareholders was CNY 2.462 billion, an increase of 1.56% year-on-year[34]. - Retail deposits reached CNY 160.223 billion, with an increase of CNY 14.202 billion, representing a growth of 9.73%[42]. - Personal loans totaled CNY 65.174 billion, increasing by CNY 3.256 billion, a growth of 5.26%[42]. - The company achieved net interest income of 5.31 billion yuan, a decrease of 3.63% year-on-year, with interest income of 15.38 billion yuan, up 10.90% year-on-year, and interest expenses of 10.08 billion yuan, up 20.48% year-on-year[61]. - Non-interest net income reached 1.90 billion yuan, representing a year-on-year increase of 79.01%, primarily due to increased investment income and fair value changes[63]. - The company reported a net cash flow from operating activities significantly decreased by 76.33%, totaling 12,326,139 thousand compared to 52,081,383 thousand in 2022[114]. Loan and Deposit Growth - The loan balance for small and micro enterprises reached 35.072 billion CNY, with a 22.08% increase in the balance of inclusive small and micro enterprise loans to 7.254 billion CNY, up by 1.312 billion CNY from the beginning of the year[20]. - The balance of inclusive small and micro enterprise loans increased by 22.08%, reflecting the company's commitment to enhancing financial services for small businesses[20]. - Total loans and advances amounted to 202.92 billion, an increase from 189.69 billion year-on-year, with a net loan amount of 198.00 billion[140]. - The bank's deposits increased by 5.17% year-on-year, totaling CNY 302.56 billion[106]. - Total deposits reached 293.79 billion, a 4.79% increase from the previous year, with personal deposits growing by 9.72% to 162.16 billion, accounting for 53.60% of total deposits[146]. Risk Management and Asset Quality - The non-performing loan ratio increased to 1.35% from 1.25% in the previous year, indicating a rise of 0.10 percentage points[119]. - Credit impairment losses were CNY 2.74 billion, representing a year-on-year increase of 30.67%[105]. - The company has taken proactive measures to manage the watchlist loans, which amounted to 8.87 billion at the end of the reporting period[164]. - The overdue loans totaled 4,638,042 thousand yuan, representing 2.29% of total loans, compared to 4,538,074 thousand yuan (2.39%) in the previous year[167]. - The company reported a provision for loan impairment of 1,704.5 million yuan during the reporting period, with a year-end balance of 5,383.7 million yuan[195]. Investment and Financial Strategy - The company launched new products such as "Smart Deposit 4.0" and "Quick E-Loan," focusing on retail customer acquisition and expanding the customer base[17]. - The company aims to enhance its financial services in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, as part of its 2024 outlook[3]. - The company’s financial investments amounted to 151.37 billion yuan, generating interest income of 5.19 billion yuan at an average interest rate of 3.43%[76]. - Financial investments measured at fair value and recognized in profit or loss increased to 28,742,857 thousand yuan, up from 25,986,237 thousand yuan, representing a growth of 10.77%[125]. - The company has enhanced its product development and innovation efforts to meet investor demands and market opportunities[199]. Awards and Recognition - The company received multiple awards, including ranking 340th in the "2023 Global Bank 1000" list, indicating strong market recognition[134]. - The company received multiple awards, including the "Five-Star Product" recognition from the China Investment Association[199]. Operational Efficiency - The company integrated technology and business, improving data governance, risk management, and IT operations capabilities, maintaining a leading position among regional banks[2]. - The company plans to enhance its technological capabilities and data application efficiency to support high-quality development[72]. - Employee costs for 2023 amounted to 1,057,523 thousand yuan, accounting for 53.74% of total business and management expenses, showing a year-on-year increase of 1.91%[83]. - Total business and management expenses for 2023 reached 1,967,685 thousand yuan, reflecting a 4.11% increase compared to 1,889,992 thousand yuan in 2022[83].

Cash Flow Activities - Net cash used in operating activities for the group was RMB 10.85 billion in Q1 2024, compared to RMB 4.13 billion in Q1 2023[2] - Net cash from investing activities for the group was RMB 92.5 million in Q1 2024, compared to a net cash outflow of RMB 2.21 billion in Q1 2023[13] - Net cash from financing activities for the group was RMB 7.08 billion in Q1 2024, up from RMB 5.24 billion in Q1 2023[13] - The group's cash outflow for interest, fees and commissions was RMB 2.31 billion in Q1 2024, up from RMB 1.46 billion in Q1 2023[2] - Cash paid for employee benefits was RMB 357 million in Q1 2024, compared to RMB 322 million in Q1 2023[2] - Cash paid for taxes was RMB 236 million in Q1 2024, slightly higher than RMB 229 million in Q1 2023[2] - The group's cash outflow for other operating activities was RMB 151 million in Q1 2024, down from RMB 158 million in Q1 2023[2] - Cash received from investments was RMB 8.51 billion in Q1 2024, down from RMB 12.76 billion in Q1 2023[13] - Cash paid for acquisition of fixed assets and intangible assets was RMB 8.47 billion in Q1 2024, down from RMB 15.12 billion in Q1 2023[13] - The net cash flow from operating activities increased year-on-year, mainly due to an increase in loans and advances and a decrease in borrowings from the central bank[60] - Net cash flow used in operating activities increased by 162.59% to (10,852,789) thousand yuan in Q1 2024 compared to (4,133,002) thousand yuan in Q1 2023[82] Cash and Cash Equivalents - Cash and cash equivalents at the end of Q1 2024 were RMB 26.98 billion for the group, compared to RMB 16.72 billion at the end of Q1 2023[17] - The company's cash and deposits with central banks decreased slightly to 25.376 billion yuan from 25.421 billion yuan at the end of 2023[71] Assets and Liabilities - Total assets increased by 8.855 billion yuan (2.05%) to 441.056 billion yuan as of March 31, 2024, compared to the end of the previous year[36] - Loans and advances increased by 13.742 billion yuan (6.77%) to 216.664 billion yuan as of March 31, 2024[36] - Total deposits increased by 4.546 billion yuan (1.55%) to 298.332 billion yuan as of March 31, 2024[36] - Total assets as of March 31, 2024, were 441.056 billion yuan, an increase from 432.201 billion yuan at the end of 2023[71] - Loans and advances increased to 211.274 billion yuan, up from 198.003 billion yuan at the end of 2023[71] - Financial investments measured at fair value through profit or loss decreased to 27.510 billion yuan from 28.743 billion yuan at the end of 2023[71] - Total assets increased by 2.05% to 441,056,345 thousand yuan as of March 31, 2024, compared to 432,201,362 thousand yuan at the end of 2023[82] - Total liabilities for the group increased to 409,405,337 thousand yuan as of March 31, 2024, from 401,275,149 thousand yuan at the end of 2023[73] - Total assets increased to 441,056,345 thousand yuan, up 2.05% from 432,201,362 thousand yuan at the end of 2023[86] - Total loans and advances grew to 216,664,318 thousand yuan, a 6.76% increase from 202,922,010 thousand yuan at the end of 2023[86] - Corporate loans and advances rose to 132,643,159 thousand yuan, up 6.22% from 124,871,159 thousand yuan at the end of 2023[86] - Personal loans and advances decreased to 63,215,629 thousand yuan, down 4.27% from 66,033,012 thousand yuan at the end of 2023[86] - Total deposits increased to 298,332,128 thousand yuan, up 1.55% from 293,786,396 thousand yuan at the end of 2023[86] - The company's total deposits increased to 306,922,516 thousand yuan as of March 31, 2024, from 302,558,036 thousand yuan at the end of 2023[73] Profitability and Income - Operating income for Q1 2024 was 1.885 billion yuan, a 4.44% increase compared to Q1 2023[33] - Net profit attributable to shareholders of the parent company for Q1 2024 was 682.628 million yuan, a 3.79% increase compared to Q1 2023[33] - The company achieved operating income of 1.885 billion yuan, an increase of 80 million yuan, or 4.44% year-on-year[55] - Net profit attributable to shareholders of the parent company was 683 million yuan, an increase of 25 million yuan, or 3.79% year-on-year[55] - Basic earnings per share were 0.15 yuan, with a weighted average return on equity of 2.19%[55] - Net interest income for the group decreased to 1,239,753 thousand yuan in Q1 2024 from 1,389,901 thousand yuan in Q1 2023[77] - Operating profit for the group was 698,937 thousand yuan in Q1 2024, slightly down from 699,556 thousand yuan in Q1 2023[77] - Net fee and commission income for the group increased to 70,847 thousand yuan in Q1 2024 from 55,350 thousand yuan in Q1 2023[77] Capital and Shareholders' Equity - Shareholders' equity increased by 725 million yuan (2.34%) to 31.651 billion yuan as of March 31, 2024[36] - The company's top ten shareholders include Scotiabank (804.771 million shares) and Tang West Market Cultural Industry Investment Group (634.072 million shares)[49] Capital Adequacy and Leverage - Core tier 1 capital adequacy ratio decreased to 10.26% as of March 31, 2024, compared to 10.73% at the end of 2023[38] - Leverage ratio increased to 6.56% as of March 31, 2024, compared to 6.35% at the end of 2023[40] - The company's core tier 1 capital adequacy ratio and capital adequacy ratio stood at 10.26% and 12.55% respectively as of the reporting period[85] Non-Performing Loans and Provisions - Non-performing loan ratio increased by 0.08 percentage points to 1.43% compared to the end of the previous year[85] - Provision coverage ratio decreased by 7.88 percentage points to 189.19% compared to the end of the previous year[85] - Non-performing loan ratio increased to 1.43%, up from 1.35% at the end of 2023[87] - Provision coverage ratio decreased to 189.19%, down from 197.07% at the end of 2023[87] Comprehensive Income and Earnings - Total comprehensive income for Q1 2024 was 724.795 million yuan, a decrease compared to 770.989 million yuan in Q1 2023[44] - Basic and diluted earnings per share for Q1 2024 were 0.15 yuan, the same as in Q1 2023[44] Liquidity and High-Quality Assets - Liquidity coverage ratio stood at 811.89% as of March 31, 2024[89] - High-quality liquid assets totaled 58,247,692 thousand yuan as of March 31, 2024[89] - Net cash outflow over the next 30 days was 7,174,318 thousand yuan as of March 31, 2024[89] Other Financial Metrics - The company's non-current assets disposal loss was 46 thousand yuan, with government subsidies of 1.638 million yuan[54]

证券代码：600928 证券简称：西安银行 公告编号：2024-008 西安银行股份有限公司关于 收到陕西证监局行政监管措施决定书的公告 经查，你公司现任独立董事雎国余、廖志生截至 2022 年 11 月已 连续任职满 6 年。雎国余 2023 年 3 月向你公司提交辞职报告，但你 公司至今未完成独立董事的补选工作；廖志生明知连续任职已超 6 年， 仍继续任职并领取津贴，至今未向董事会提交书面辞职报告。 上述问题违反《上市公司独立董事管理办法》(证监会令第 220 号)第十三条、第十五条规定，根据《上市公司独立董事管理办法》 第四十四条规定，我局决定对你公司及独立董事廖志生采取责令改正 的监管措施。针对上述公司治理不规范问题，你们应自收到本决定书 之日起十五个工作日内向我局提交书面整改报告。 如对本监管措施不服，可以在收到本决定书之日起 60 日内向中 国证监会提出行政复议申请，也可以在收到本决定书之日起 6 个月内 向有管辖权的人民法院提起诉讼。复议和诉讼期间，上述监管措施不 停止执行。 二、相关说明 廖志生先生在任本公司独立董事期间，能够严格遵守相关法律法 规，忠实、勤勉、独立地履行相应职责，高度重视独立 ...

西安银行股份有限公司关于 召开 2023 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 担个别及连带责任。 证券代码：600928 证券简称：西安银行 公告编号：2024-007 三、出席人员 重要内容提示： 一、说明会类型 西安银行股份有限公司（以下简称"公司"）将于 2024 年 4 月 30 日披露 2023 年年度报告。为使广大投资者更加深入、全面了解公 司情况，本公司拟于 2024 年 4 月 30 日（星期二）通过网络互动方式 召开 2023 年度业绩说明会，就投资者普遍关心的问题进行交流。 二、说明会时间和形式 1、会议召开时间：2024 年 4 月 30 日（星期二）15：00-16：00 会议召开时间：2024 年 4 月 30 日（星期二）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 2024 年 4 月 28 日（星期日） ...