西安银行(600928) - 2025 Q3 - 季度财报

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]