西安银行(600928) - 2021 Q1 - 季度财报

Financial Performance - Operating income for Q1 2021 was CNY 1.89 billion, representing a year-on-year growth of 7.73%[14] - Net profit attributable to shareholders was CNY 708.22 million, a decrease of 8.04% year-on-year[7] - Basic earnings per share were CNY 0.16, down 5.88% compared to the same period last year[8] - The group's net profit for the three months ended March 31, 2021, was RMB 708,078 thousand, compared to RMB 769,169 thousand for the same period in 2020, indicating a decrease of approximately 7.94%[41] - The net profit attributable to shareholders of the bank was RMB 708,223 thousand, down from RMB 770,165 thousand, reflecting a decline of 8.06% year-over-year[44] - Total comprehensive income attributable to shareholders of the bank was RMB 711,995 thousand, compared to RMB 839,318 thousand in the previous year, indicating a decrease of 15.16%[44] Asset and Liability Management - Total assets reached CNY 310.61 billion, an increase of 1.38% compared to the beginning of the year[14] - Total liabilities amounted to CNY 284.28 billion, reflecting a growth of 1.25% since the beginning of the year[14] - Total assets as of March 31, 2021, were CNY 310,613,167 thousand, compared to CNY 306,391,591 thousand as of December 31, 2020[23] - Total liabilities increased to CNY 284,277,452 thousand from CNY 280,768,067 thousand[23] - The total amount of loans and advances increased to CNY 175,185,386 thousand from CNY 171,971,798 thousand[23] Loan and Credit Quality - Non-performing loan balance stood at CNY 2.11 billion, with a non-performing loan ratio of 1.20%[14] - The non-performing loan ratio increased to 1.20% from 1.18%[25] - The provision coverage ratio improved to 273.45%, up 4.06 percentage points from the end of the previous year[14] - The provision coverage ratio for loans was reported at 273.45%[25] - The group reported a credit impairment loss of RMB 627,519 thousand for the three months ended March 31, 2021, compared to RMB 446,620 thousand for the same period in 2020, reflecting an increase of about 40.43%[41] Income and Revenue Streams - The weighted average return on equity was 10.92% for the reporting period[14] - Net interest income for the group for the three months ended March 31, 2021, was RMB 1,567,468 thousand, up from RMB 1,443,814 thousand for the same period in 2020, reflecting an increase of about 8.58%[41] - The group's interest income for the three months ended March 31, 2021, was RMB 3,393,821 thousand, compared to RMB 3,117,012 thousand for the same period in 2020, marking an increase of approximately 8.87%[41] - The group's fee and commission income for the three months ended March 31, 2021, was RMB 151,673 thousand, up from RMB 115,136 thousand for the same period in 2020, indicating an increase of about 31.67%[41] - Investment income decreased significantly by 88.74% to CNY 9,430 thousand from CNY 83,713 thousand[19] Cash Flow and Liquidity - Cash inflows from operating activities totaled RMB 11,975,548 thousand, an increase of 38.88% from RMB 8,650,858 thousand in the prior year[47] - Net cash outflow from operating activities was RMB 931,103 thousand, compared to a net inflow of RMB 1,395,211 thousand in the same period last year[47] - Cash inflows from investment activities were RMB 1,018,307 thousand, down from RMB 2,456,832 thousand, a decline of 58.69% year-over-year[50] - Cash outflows from financing activities amounted to RMB 9,602,843 thousand, compared to RMB 18,290,506 thousand in the previous year, reflecting a decrease of 47.45%[50] - The net cash flow from financing activities was a negative RMB 365,019 thousand, compared to a negative RMB 4,022,584 thousand in the same period last year[50] - The liquidity coverage ratio was reported at 256.54%[28] Equity and Capital Adequacy - The capital adequacy ratio was 14.41%, with a core Tier 1 capital adequacy ratio of 12.31%[14] - The total equity attributable to shareholders of the bank as of March 31, 2021, was RMB 26,277,381 thousand, an increase from RMB 25,565,386 thousand as of December 31, 2020, representing a growth of approximately 2.78%[38] - The group's other comprehensive income increased to RMB 47,218 thousand as of March 31, 2021, compared to RMB 43,446 thousand as of December 31, 2020, representing a growth of about 6.35%[38] Cash and Cash Equivalents - The net decrease in cash and cash equivalents for the period ending March 31, 2021, was (3,582,830)[53] - The cash and cash equivalents balance at the beginning of the period was 16,864,961, compared to 12,246,771 for the same period in 2020[53] - The ending cash and cash equivalents balance for the period was 13,282,131, an increase from 8,694,399 in the previous year[53]