Bank of Xi'an sees strong asset and profit growth in first half of 2025

Bank of Xi'an reported a significant increase in total assets, reaching 539.098 billion yuan as of June 30, 2025, a 12.23% rise from the end of 2024. Net profit attributable to shareholders grew by 8.59% to 1.451 billion yuan. Loan and advance principal balances surged by 22.94% to 291.686 billion yuan, with deposits increasing by 8.34% to 348.882 billion yuan. This growth was underpinned by a substantial 59.92% increase in net interest income.

The bank strengthened its capital structure by successfully issuing two tranches of Tier 2 capital bonds, each for 2 billion yuan, and a perpetual bond of 5 billion yuan, improving its capital adequacy. Despite a decrease in the core Tier 1 capital adequacy ratio to 9.16% from 10.07%, the Tier 1 capital adequacy ratio increased to 10.56% from 10.07%, and the total capital adequacy ratio rose to 13.43% from 12.41%, meeting regulatory requirements.

The bank also prioritized risk management, increasing loan loss provisions by 27.52% to 9.579 billion yuan. Strategic initiatives included enhancing financial technology, optimizing branch networks, and focusing on green and inclusive finance, contributing to sustainable development and improved asset quality.