西安银行: 西安银行股份有限公司2025年半年度报告

Core Viewpoint - The report highlights the financial performance and strategic initiatives of Bank of Xi'an for the first half of 2025, showcasing significant growth in revenue, profit, and asset quality while emphasizing the bank's commitment to regional development and risk management [1][7][19]. Financial Performance - Total assets reached CNY 539.09 billion, an increase of 12.23% compared to the same period last year [4][7]. - Operating income was CNY 5.20 billion, reflecting a year-on-year growth of 43.70% [4][7]. - Net profit attributable to shareholders was CNY 1.45 billion, up 8.59% year-on-year [4][7]. - The bank's total liabilities increased to CNY 499.59 billion, a rise of 11.79% from the previous year [4][7]. - The non-performing loan ratio improved to 1.60%, down from 1.72% at the end of the previous year [5][7]. Business Segments Corporate Banking - Corporate deposits reached CNY 157.41 billion, a growth of 12.10% year-on-year, while corporate loans increased by 27.30% to CNY 201.44 billion [10][11]. - The bank actively supported key projects in manufacturing and infrastructure, with new loans amounting to CNY 6.48 billion for provincial and municipal projects [11]. Retail Banking - Personal deposits grew to CNY 188.61 billion, an increase of 5.46%, and personal loans rose by 14.44% to CNY 89.08 billion [12][13]. - The bank focused on enhancing customer experience through innovative products and services tailored to diverse customer needs [12][13]. Inclusive Finance - The bank reported a balance of CNY 37.80 billion in small and micro-enterprise loans, with 25,000 new inclusive finance customers added [14][15]. Strategic Initiatives - The bank is committed to digital transformation, launching new core systems and enhancing digital services to improve operational efficiency [17][18]. - It aims to strengthen its market position by focusing on specialized services and optimizing its branch network to enhance productivity [9][19]. - The bank emphasizes risk management by restructuring its risk management framework and enhancing compliance measures [9][19]. Market Position - The bank is positioned to leverage regional economic growth driven by government initiatives, enhancing its service offerings to meet increasing financial demands [19]. - It aims to establish itself as a leading regional bank with a focus on customer-centric and performance-driven strategies [19].