西安银行(600928) - 2021 Q1 - 季度财报

Financial Performance - Operating income for Q1 2021 was CNY 1.89 billion, a year-on-year growth of 7.73%[16] - Net profit attributable to shareholders was CNY 708.22 million, a decrease of 8.04% year-on-year[7] - Basic earnings per share stood at CNY 0.16, down 5.88% from the previous year[8] - The net profit from fees and commissions rose by 31.73% to CNY 151,673 thousand compared to CNY 115,136 thousand in the same period last year[20] - The investment income decreased significantly by 88.74% to CNY 9,430 thousand from CNY 83,713 thousand year-over-year[20] - The net profit margin for the bank's core tier one capital ratio was 12.31%, slightly down from 12.37% in the previous period[25] Asset and Liability Management - Total assets reached CNY 310.61 billion, an increase of 1.38% compared to the beginning of the year[16] - Total liabilities amounted to CNY 284.28 billion, reflecting a growth of 1.25% year-to-date[16] - The 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, reflecting an increase of 0.73%[23] - The total liabilities increased to CNY 284,277,452 thousand from CNY 280,768,067 thousand, marking a growth of 1.80%[23] - The total loans and advances amounted to CNY 175,185,386 thousand, up from CNY 171,971,798 thousand, representing an increase of 1.84%[23] - Total deposits reached CNY 215.62 billion, an increase of 3.99% since the beginning of the year[16] - The bank's total deposits reached CNY 215,618,059 thousand, an increase from CNY 207,345,846 thousand, reflecting a growth of 3.08%[23] Credit Quality - Non-performing loan balance was CNY 2.11 billion, with a non-performing loan ratio of 1.20%[16] - The non-performing loan ratio increased to 1.20% from 1.18% as of December 31, 2020[25] - The bank's credit impairment losses increased by 40.50% to CNY (627,519) thousand compared to CNY (446,620) thousand in the previous year[20] - Provision coverage ratio improved to 273.45%, up 4.06 percentage points from the end of last year[16] Capital Adequacy and Returns - The weighted average return on equity was 10.92% for the reporting period[16] - The capital adequacy ratio and core Tier 1 capital adequacy ratio were 14.41% and 12.31%, respectively[16] - The liquidity coverage ratio stood at 256.54%, indicating a strong liquidity position[28]