BANK OF XI'AN(SH:600928)2022-10-28 16:00Financial Performance - The company achieved an operating income of CNY 4.862 billion, with a net profit attributable to shareholders of CNY 1.779 billion[18]. - The net profit attributable to shareholders for the first nine months of 2022 was CNY 1.779 billion, reflecting a year-on-year increase of 12.37%[6]. - Net profit attributable to shareholders was RMB 1,778,975 thousand, down 12.3% from RMB 2,030,141 thousand in the same period last year[40]. - Total profit for the nine months ended September 30, 2022, was RMB 1,881,452 thousand, down 16.5% from RMB 2,253,157 thousand in the previous year[40]. Assets and Liabilities - The total assets of the company reached CNY 363.906 billion, an increase of 5.22% compared to the beginning of the year[18]. - The total liabilities were CNY 335.084 billion, reflecting a 5.29% increase since the start of the year[18]. - Total assets as of September 30, 2022, reached CNY 363,906,288, an increase from CNY 345,863,917 as of December 31, 2021, representing a growth of approximately 5.99%[19]. - The total liabilities increased to CNY 335,083,950 from CNY 318,260,782, reflecting a rise of about 5.76%[19]. Loans and Deposits - The total loan principal amounted to CNY 188.020 billion, growing by 3.42% year-to-date[18]. - The total deposit principal reached CNY 255.914 billion, marking an 11.74% increase year-to-date[18]. - The bank's total loans and advances amounted to CNY 188,019,854, an increase from CNY 181,800,944, reflecting a growth of about 3.36%[21]. - The total deposits increased to CNY 262,780,311 from CNY 234,723,596, marking a growth of approximately 11.94%[31]. Capital and Ratios - The capital adequacy ratio was 14.63%, an increase of 0.51 percentage points compared to the end of the previous year[18]. - The capital adequacy ratio as of September 30, 2022, was 14.63%, up from 14.12% as of December 31, 2021[21]. - The net core tier 1 capital as of September 30, 2022, was CNY 28,261,217, up from CNY 27,533,139, indicating an increase of approximately 2.65%[21]. - The weighted average return on equity was 6.31%, with basic earnings per share at CNY 0.40[18]. Non-Performing Loans - The non-performing loan ratio stood at 1.19%, a decrease of 0.13 percentage points from the end of the previous year[18]. - The non-performing loan ratio improved to 1.19% from 1.32%, showing a decrease of 0.13 percentage points[21]. - The provision coverage ratio and loan provision ratio were 222.51% and 2.64%, respectively[18]. Cash Flow and Expenses - Operating cash flow from operating activities increased significantly to RMB 25,216,017 thousand, compared to RMB 774,871 thousand in the same period last year[47]. - The company recorded a net increase in deposits of RMB 26,890,410 thousand, compared to RMB 11,546,825 thousand in the same period last year[43]. - The company’s total operating expenses decreased to RMB 2,974,629 thousand, down 2.5% from RMB 3,051,859 thousand in the previous year[36]. - Cash inflow from investment activities was RMB 19,999,102 thousand, a decrease from RMB 23,560,387 thousand in the previous year[47]. Foreign Exchange and Other Income - The company experienced a net foreign exchange gain of RMB 21,847 thousand, compared to RMB 1,216 thousand in the same period last year[36]. - The company reported a decrease in fee and commission income to RMB 340,485 thousand, down 12.2% from RMB 387,937 thousand in the previous year[36]. Debt and Financing Activities - Cash inflow from issuing debt securities for the nine months ended September 30, 2022, was RMB 35,082,534 thousand, a decrease of 35.9% compared to RMB 54,767,194 thousand for the same period in 2021[49]. - Net cash flow from financing activities for the nine months ended September 30, 2022, was a cash outflow of RMB 16,093,041 thousand, compared to a cash inflow of RMB 13,566,440 thousand in the same period of 2021[49]. - The net decrease in cash and cash equivalents for the nine months ended September 30, 2022, was RMB 6,207,549 thousand, compared to an increase of RMB 2,834,022 thousand in the same period of 2021[49]. - Total cash outflow from financing activities for the nine months ended September 30, 2022, was RMB 51,175,575 thousand, an increase of 24.2% from RMB 41,200,754 thousand in the same period of 2021[49].