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 Viewpoint - Xi'an Bank has reported strong financial performance for the first three quarters of 2025, with significant increases in both revenue and net profit, indicating a positive growth trajectory despite some challenges in the third quarter [2][4]. Financial Performance - For the first three quarters of 2025, Xi'an Bank achieved an operating income of 7.69 billion yuan, a year-on-year increase of 39.11% [2][4]. - The net profit attributable to shareholders reached 2.03 billion yuan, reflecting a year-on-year growth of 5.51% [2][4]. - In the third quarter alone, the operating income grew by 30.39%, while the net profit saw a slight decline of 1.47% compared to the same period last year [2][3]. Asset and Liability Management - As of September 30, 2025, the total assets of Xi'an Bank amounted to 551.13 billion yuan, an increase of 14.73% from the end of the previous year [4]. - The total liabilities reached 511.57 billion yuan, with a growth of 14.47%, while the total deposits increased by 9.80% to 353.59 billion yuan [4]. - The bank's equity attributable to shareholders was 39.67 billion yuan, up 18.21% from the previous year [4]. Interest Income and Net Interest Margin - The net interest income for the bank was 6.31 billion yuan, a significant increase of approximately 61.6% year-on-year [5]. - Despite a general decline in net interest margins among city commercial banks, Xi'an Bank's net interest margin rose by 0.49 percentage points to 1.7% [5]. Asset Quality - The bank's non-performing loan ratio improved to 1.53%, down 0.19 percentage points from the end of the previous year, indicating enhanced asset quality [6]. - The coverage ratio for provisions increased to 218.66%, up 34.6 percentage points, reflecting a stronger buffer against potential loan losses [6]. Leadership Changes - The recent appointment of Liang Banghai as chairman and Zhang Chengzhe as president is expected to further strengthen the bank's management structure and performance [9].