西安银行股份有限公司 2025年第三季度报告

Core Points - The company has released its third-quarter report for 2025, ensuring the accuracy and completeness of the information presented [2][12][16] - The report indicates significant growth in key financial metrics, including total assets and net profit [5][6] Financial Data - Total assets reached 551.135 billion yuan, an increase of 70.765 billion yuan, or 14.73%, compared to the end of the previous year [5] - Total loans and advances amounted to 301.760 billion yuan, up by 64.506 billion yuan, reflecting a growth of 27.19% [5] - Total liabilities were 511.567 billion yuan, increasing by 64.669 billion yuan, or 14.47% [5] - Total deposits reached 353.590 billion yuan, with an increase of 31.560 billion yuan, or 9.80% [5] - Shareholder equity stood at 39.567 billion yuan, up by 6.096 billion yuan, or 18.21% [5] - Operating revenue for the period was 7.691 billion yuan, a year-on-year increase of 2.162 billion yuan, or 39.11% [5] - Net profit attributable to shareholders was 2.033 billion yuan, an increase of 106 million yuan, or 5.51% [5] - Basic earnings per share were 0.46 yuan, with a weighted average return on equity of 5.98% [5] Capital and Asset Quality - The core Tier 1 capital adequacy ratio was 8.69%, and the total capital adequacy ratio was 12.85% [6] - The non-performing loan ratio decreased to 1.53%, down by 0.19 percentage points from the previous year [6] - The provision coverage ratio increased to 218.66%, up by 34.6 percentage points compared to the previous year [6]