西安银行：前三季度实现归母净利润20.33亿元，同比增长5.51%

Core Insights - Xi'an Bank reported a significant increase in operating income and net profit for the first three quarters of 2025, indicating strong financial performance [1] - The bank's total assets and loans also saw substantial growth, reflecting its expanding operations and lending activities [1] - Improvement in key financial ratios, including a decrease in non-performing loan ratio and an increase in capital adequacy ratios, suggests enhanced financial stability [1] Financial Performance - Operating income reached 7.691 billion yuan, an increase of 2.162 billion yuan, or 39.11% year-on-year [1] - Net profit attributable to shareholders was 2.033 billion yuan, up by 106 million yuan, representing a growth of 5.51% [1] - Basic earnings per share stood at 0.46 yuan, with a weighted average return on equity of 5.98% [1] Asset and Liability Growth - Total assets amounted to 551.135 billion yuan, an increase of 70.765 billion yuan, or 14.73% from the end of the previous year [1] - Total loans and advances reached 301.760 billion yuan, up by 64.506 billion yuan, reflecting a growth of 27.19% [1] - Total liabilities were 511.567 billion yuan, increasing by 64.669 billion yuan, or 14.47% [1] Deposit and Equity Changes - Total deposits reached 353.590 billion yuan, an increase of 31.560 billion yuan, or 9.80% [1] - Shareholder equity was 39.567 billion yuan, up by 6.096 billion yuan, representing an 18.21% increase [1] Capital Adequacy and Loan Quality - As of the end of Q3, the core Tier 1 capital adequacy ratio was 8.69%, and the total capital adequacy ratio was 12.85% [1] - The non-performing loan ratio improved to 1.53%, a decrease of 0.19 percentage points from the end of the previous year [1] - The provision coverage ratio increased to 218.66%, up by 34.6 percentage points from the end of the previous year [1]