西安银行前三季度营收同比增长近40%，资产质量持续优化

Core Insights - Xi'an Bank reported strong financial performance for the first three quarters of 2025, with operating income reaching 7.69 billion yuan, a year-on-year increase of 39.11%, and net profit attributable to shareholders of the parent company at 2.03 billion yuan, up 5.51% year-on-year [2][4] Financial Performance - For Q3 2025, operating income was 2.49 billion yuan, reflecting a year-on-year growth of 30.39%, while net profit attributable to shareholders decreased slightly by 1.47% to 581.52 million yuan [3][4] - The bank's net interest income for the reporting period was 6.31 billion yuan, a significant increase of approximately 61.6% compared to 3.90 billion yuan in the same period last year [4] - Basic earnings per share for the first three quarters were 0.46 yuan, with a weighted average return on equity of 5.98% [3][4] Asset and Liability Management - As of September 30, 2025, total assets reached 551.13 billion yuan, an increase of 14.73% from the end of the previous year, with total loans and advances amounting to 301.76 billion yuan, up 27.19% [4][6] - Total liabilities were 511.57 billion yuan, reflecting a growth of 14.47%, while total deposits increased by 9.80% to 353.59 billion yuan [4][6] Capital Adequacy and Asset Quality - The bank's core Tier 1 capital adequacy ratio and total capital adequacy ratio stood at 8.69% and 12.85%, respectively, with a non-performing loan ratio of 1.53%, down 0.19 percentage points from the previous year [6] - The coverage ratio for provisions increased by 34.6 percentage points to 218.66%, indicating improved asset quality [6] Leadership and Strategic Direction - The recent appointment of Liang Banghai as chairman and Zhang Chengzhe as president is expected to enhance the bank's management structure and performance [7][8] - Liang has outlined a development strategy focusing on party leadership, customer base enhancement, and technology integration to drive high-quality growth [7][8]