Bank Of Xi'An Co.Ltd(600928) 428 disclosed the performance report of 2021, and achieved an operating revenue of 7.203 billion yuan in 2021, with a year-on-year increase of 0.91%; The net profit attributable to the shareholders of the parent company was 2.804 billion yuan, a year-on-year increase of 1.73%. On the same day, the company disclosed the first quarterly report of 2022. In the first quarter, the company realized an operating revenue of 1.543 billion yuan, a year-on-year increase of 18.52%; The net profit attributable to the shareholders of the parent company was 608 million yuan, a year-on-year increase of 14.17%.
In 2021, Bank Of Xi'An Co.Ltd(600928) always adheres to the sound business philosophy and promotes the steady development of all businesses under the guidance of strategic transformation. By the end of the reporting period, the total assets of the company were 345864 billion yuan, an increase of 39.472 billion yuan or 12.88% over the beginning of the year; The total deposit principal was 229024 billion yuan, an increase of 21.678 billion yuan or 10.46% over the beginning of the year; The total loan principal was 181801 billion yuan, an increase of 9.829 billion yuan or 5.72% over the beginning of the year; The non-performing loan ratio is 1.32%, and the provision coverage ratio is 224.21%; The capital adequacy ratio was 14.12%, and the main operating data and financial indicators remained stable.
Bank Of Xi'An Co.Ltd(600928) earnestly undertake the original mission of "serving local areas and small and medium-sized enterprises", focus on the major decisions and arrangements of Shaanxi provincial Party committee and Xi'an municipal Party committee, and continue to provide comprehensive financial service schemes for major projects and key enterprises around the "ten key tasks" and the construction of Xi'an "6 + 5 + 6 + 1" modern industrial system; Become a sponsor of the 14th National Games, formulate exclusive service plans for the construction of "qinchuangyuan" innovation driven platform and the China Europe train "Chang'an", based on the characteristics of local industrial transformation, support the development of strategic emerging industries such as electronic information, aerospace and new energy, and accelerate the optimization of industrial structure; We will strengthen inclusive financial support, carry out mass and clustered "core enterprise +" supply chain small and micro financial support, reduce the financing cost of small and micro enterprises, and continue to broaden the boundary of inclusive small and micro financial services.
During the reporting period, the company continued to implement the digital transformation strategy, adhered to the goal of "scientific and technological empowerment and innovation breakthrough", and strengthened the application of information technology in the whole field of bank operations such as operation and maintenance management, risk prevention, business improvement and customer touch; Further improve the automatic, visual and intelligent operation and maintenance system, and promote the development and application of new technologies such as biometrics, intelligent marketing, data library, process Siasun Robot&Automation Co.Ltd(300024) , remote audio and video; Completed the upgrading and reengineering of its own risk control platforms such as risk decision-making, transaction anti fraud and intelligent anti money laundering, and newly released mobile banking 7.0, becoming the first institution in China and the first legal person bank in the province to access digital RMB through interbank agency mode, deeply explored scene construction and customer service, and accelerated the realization of the development goal of Digital Banking.
Statistics show that Bank Of Xi'An Co.Ltd(600928) has always adhered to grasp the new pattern of retail business, strengthen scientific and technological empowerment, adhere to innovation driven, pay close attention to internal control management and team building, and strive to achieve new breakthroughs in retail business in terms of "customer insight, product innovation and process reengineering". As of the end of the reporting period, personal deposits amounted to 110736 billion yuan, an increase of 16.249 billion yuan or 17.2% over the end of the previous year; Personal loans amounted to 68.674 billion yuan, an increase of 1.719 billion yuan or 2.57% over the end of the previous year.
During the reporting period, Bank Of Xi'An Co.Ltd(600928) continued to steadily promote the process of digital transformation, focusing on the implementation of regulatory requirements, structural optimization, system improvement and stable operation, adhered to risk control, structural adjustment and transformation, and built a Sustainable Digital Banking model.
In terms of smart city construction, Bank Of Xi'An Co.Ltd(600928) give full play to the advantages of regional banks, continue to expand business layout in seven scenarios of convenience, transportation, government affairs, medical treatment, culture and tourism, community and education, deeply integrate bank accounts, products and service capabilities with customers' life and work scenarios, and continuously improve digital service capabilities; With the first mover advantage of digital RMB, build a full-function scene of digital RMB, develop multiple local characteristic scenes such as Datang sleepless city pedestrian street, the first digital RMB taxi collection service in Xi'an, and create a regional benchmark for the landing of digital RMB scenes.
