2024 年度，本人严格按照《银行保险机构公司治理准则》《上市公司治理 准则》《上市公司独立董事管理办法》等相关规则以及《厦门银行股份有限公司 章程》（以下简称"公司章程"）《厦门银行股份有限公司独立董事工作制度》 的有关规定，基于独立客观的立场，本着审慎负责的态度，继续履行厦门银行股 份有限公司（以下简称"公司"）独立董事职责，切实维护公司的整体利益和中 小股东的合法权益。现将本人在 2024 年度履行独立董事职责的情况报告如下： 厦门银行股份有限公司 2024 年度独立董事述职报告 （宁向东） 一、独立董事的基本情况 （一）工作履历、专业背景以及兼职情况 本人宁向东，1965 年 5 月出生，中国国籍，清华大学数量经济学专业博士。 历任清华大学助教、讲师、副教授，清华大学中国经济研究中心常务副主任，哈 佛商学院、伊利诺大学、新南威尔士大学、悉尼大学、香港中文大学访问学者。 现任清华大学经济管理学院教授、博士生导师，兼任中化能源股份有限公司独立 董事、中国石化销售股份有限公司独立董事、山东重工集团有限公司外部董事等 职务。 （二）不存在影响独立性的情况 本人未在公司担任除独立董事外的其他职务，与公司及其主要 ...

Dividend and Profit Distribution - The company plans to distribute a cash dividend of 1.60 RMB per 10 shares, totaling 422 million RMB for the 2024 fiscal year, with an overall cash dividend distribution of 818 million RMB including mid-year distributions[3] - The company has committed to maintaining a cash dividend level exceeding 30% for three consecutive years from 2021 to 2023, ensuring better returns for investors[13] - The net profit attributable to shareholders of the parent company for 2024 was CNY 2,594,646,000, a decrease of 2.60% from CNY 2,663,871,000 in 2023[37] - The total profit amounted to 2,735.34 million RMB, reflecting a year-on-year growth of 3.54%[121] Asset and Loan Growth - The company's asset scale has reached 400 billion RMB, with steady growth in general loans and deposits, and revenue showing positive growth[9] - As of the end of 2024, the company's total assets reached CNY 407.795 billion, an increase of 4.39% compared to the end of the previous year[16] - The total amount of customer loans and advances decreased by 2.02% to CNY 205,455,072,000 in 2024[37] - The balance of inclusive small and micro enterprise loans reached 73.293 billion RMB, accounting for nearly 36% of the total loans and advances[10] - The balance of technology loans increased by 33.69% year-on-year, while the balance of green loans grew by 61.96% year-on-year[16] Client Growth and Engagement - The company achieved a 19% growth in the number of Taiwanese enterprise clients and a 17% increase in Taiwanese individual clients, with average daily deposits and loans from Taiwanese enterprises growing by 45% and 23% respectively[12] - The number of Taiwanese enterprise clients and Taiwanese individual clients increased by 19% and 17% year-on-year, respectively[17] - The company’s retail customer base grew to 2.6993 million, an increase of 137,700 customers or 5.37% year-on-year[93] - Wealth management customers reached 197,800, a year-on-year increase of 12.61%, with high-net-worth clients growing by 16.34%[94] Risk Management and Asset Quality - The company has maintained a strong asset quality, with non-performing loan ratios and provision coverage rates ranking among the top in listed banks[12] - The non-performing loan ratio was 0.74%, a decrease of 0.02 percentage points from the end of the previous year, with a provision coverage ratio of 391.95%[16] - The company emphasizes risk management and compliance, enhancing its risk control capabilities through the integration of big data and AI technologies[12] - The company’s non-performing loan ratio remained stable, with a focus on optimizing loan structures and risk management strategies[147] Digital Transformation and Innovation - The company aims to enhance its digital transformation to support business development and innovate its business model in response to the challenges and opportunities presented by the evolving financial landscape[14] - The company implemented a digital transformation strategy, enhancing data application capabilities and automating reporting processes to improve operational efficiency[19] - The company launched a new version of corporate online banking and mobile banking, enhancing customer experience and achieving a year-on-year increase of 11.65% in corporate electronic channel customers and 17.55% in transaction volume[86] - The company’s small and micro enterprise loan process was fully digitized, improving operational efficiency and risk management[87] Financial Performance Metrics - The company achieved an annual operating income of CNY 5.759 billion, a year-on-year growth of 2.79%, and a total profit of CNY 2.735 billion, up 3.54% year-on-year[16] - The company's operating revenue for 2024 reached CNY 5,759,162,000, representing a 2.79% increase compared to CNY 5,602,714,000 in 2023[37] - The company's basic earnings per share for 2024 was CNY 0.89, down 7.29% from CNY 0.96 in 2023[39] - The liquidity coverage ratio was 153.11% as of December 31, 2024, down from 268.87% in 2023[56] Strategic Initiatives and Recognition - The company has established its first sustainable development (ESG) strategic plan, aiming to become a value-leading bank with a focus on environmental friendliness and good governance[13] - The company received the "2023 Financial Technology Development Award Third Prize" for its cross-strait financial services based on audio and video interaction[59] - The company was recognized as the second-best financial service institution for small and micro enterprises in Xiamen in 2024[59] - The company successfully executed multiple ESG syndicated loans, enhancing its reputation and influence in the industry[107] Challenges and Market Conditions - The company’s personal loan balance was 70.458 billion RMB, a decrease of 4.976 billion RMB or 6.60% year-on-year, primarily due to weak overall credit demand[92] - The non-performing loan ratio for personal loans was reported at 1.25%, attributed to the slow recovery of the real estate market and declining repayment capabilities of some borrowers[101] - The average interest rate on newly issued loans was approximately 3.3%, a decrease of about 0.6 percentage points year-on-year[67] - The company is focusing on optimizing its asset-liability structure and managing interest rate risks amid competitive pressures in the lending market[126]

Financial Performance - Net profit attributable to shareholders decreased by 14.21% year-on-year to RMB 645,491,000 for Q1 2025[7] - Operating income for Q1 2025 was RMB 1,214,412,000, down 18.42% compared to Q1 2024[7] - Basic and diluted earnings per share were both RMB 0.22, a decrease of 15.38% year-on-year[7] - Net profit for Q1 2025 was RMB 663,394 thousand, a decrease of 13.9% compared to RMB 770,002 thousand in Q1 2024[38][40] - Net interest income for Q1 2025 was RMB 940,258 thousand, down from RMB 985,916 thousand in Q1 2024, reflecting a decline of 4.6%[38] - The bank's earnings per share for Q1 2025 was RMB 0.22, compared to RMB 0.26 in Q1 2024, indicating a decrease of 15.4%[40] Asset and Liability Management - Total assets increased by 1.58% year-on-year to RMB 414,237,130,000 as of March 31, 2025[5] - The company's total liabilities increased to RMB 381.76 billion, up 1.69% from the previous year[18] - The bank's total liabilities rose to RMB 381,756,644 thousand as of March 31, 2025, compared to RMB 375,425,635 thousand at the end of 2024, marking an increase of 1.0%[36] - The total loans and advances amounted to RMB 210.58 billion, reflecting a growth of 2.49% compared to the end of the previous year[18] - The total deposits reached RMB 221.38 billion, an increase of 3.37% year-on-year[22] Cash Flow and Financing Activities - Net cash flow from operating activities was RMB 1,621,703,000, a significant improvement from a negative cash flow of RMB -2,192,829,000 in the same period last year[5][12] - The bank's investment activities generated a net cash flow of RMB 2,878,560 thousand in Q1 2025, a significant improvement compared to a net outflow of RMB 1,046,426 thousand in Q1 2024[44] - The net cash flow from financing activities was negative CNY 3,098,105, contrasting with a positive CNY 1,784,514 in the same period last year[45] - The total cash and cash equivalents at the end of Q1 2025 amounted to CNY 19,359,660, down from CNY 26,152,890 at the end of Q1 2024[45] - The net increase in cash and cash equivalents for Q1 2025 was CNY 1,404,423, while there was a decrease of CNY 1,444,220 in Q1 2024[45] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 45,118[13] - The largest shareholder, Xiamen Jinyuan Investment Group, holds 19.18% of the shares, totaling 506,147,358 shares[13] Risk Management and Capital Adequacy - The non-performing loan ratio stood at 0.86%, with a provision coverage ratio of 313.57%[19] - The liquidity coverage ratio was reported at 145.87%, down from 153.11% in the previous period[30] - The core tier 1 capital adequacy ratio was 9.56%, showing a slight increase from 9.36%[25] - The company focused on optimizing structure and enhancing risk management efficiency during the first quarter of 2025[17] Non-Recurring Items - The company reported a total of RMB 1,087,000 in non-recurring gains and losses for Q1 2025, compared to RMB 208,000 in Q1 2024[10] - The bank's credit impairment losses decreased significantly to RMB 27,935 thousand in Q1 2025 from RMB 133,196 thousand in Q1 2024, a reduction of approximately 79.0%[38]

Group 1 - The "Ronghui Building" project has received domestic investment project filing approval as of April 25, 2025, according to the Fujian Provincial Investment Project Online Approval and Supervision Platform [1] - Xiamen Bank acquired the land parcel 2022-17 in the Gulou District for 139 million yuan, with a floor price of 12,006 yuan per square meter, reflecting a premium rate of 14.88% [2][4] - The land area is approximately 4,505 square meters (equivalent to 6.76 acres) and is designated for business office and park green space [4] Group 2 - The building will have a floor area ratio of 2.57 and a height limit of 50 meters, with the business portion allowed for layered sales [5] - The "Ronghui Building" is expected to serve as the headquarters for Xiamen Bank's Fuzhou branch, with some business sections potentially available for external sales [5] - Xiamen Bank is a mixed-ownership bank with major shareholders including the Jin Yuan Group (19.18%) and Fubon Financial Holding (18.03%), and it has total assets of 389.988 billion yuan as of December 2024 [6]

厦门银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚假 记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法 律责任。 重要内容提示： 会议召开时间：2025 年 4 月 29 日(星期二)下午 15:30-17:30。 会议召开方式：本次会议通过现场会议及视频直播结合网络互动 方式召开，投资者可登录上海证券交易所上证路演中心（网址： http://roadshow.sseinfo.com/ ） 以 及 全 景 网 （ 网 址 ： https://www.p5w.net/）观看本次业绩说明会。 投资者可于2025年4月22日(星期二)至4月 28日(星期一）16:00 前登录上证路演中心网站首页点击"提问预征集"栏目或通过厦门银 行股份有限公司（以下简称"公司"）邮箱 dshbgs@xmbankonline.com 进行提问。公司将在业绩说明会上对投资者普遍关注的问题进行回答。 证券代码：601187 证券简称：厦门银行 公告编号：2025-015 厦门银行股份有限公司 关于召开 2024 年度业绩说明会的公告 公司将于 2025 年 4 月 29 日发布公司 2024 年年度报告 ...

Core Viewpoint - The performance of 14 out of 17 listed city commercial banks in China for 2024 shows resilience and growth despite challenges in the banking sector, with many banks leveraging regional advantages and differentiated business strategies to achieve notable results [1][2]. Revenue and Profit Growth - The average revenue growth rate for the 14 listed city commercial banks reached 5.31% year-on-year, with Nanjing Bank leading at 11.32% growth [2][3]. - Jiangsu Bank and Ningbo Bank achieved over 8% revenue growth despite a high base, supported by quality credit resources in the Jiangsu and Zhejiang regions [2][3]. Performance Summary of Listed City Commercial Banks - Jiangsu Bank: Revenue of 808.15 billion, up 8.78%; Net profit of 318.43 billion, up 10.76% [3]. - Beijing Bank: Revenue of 699.17 billion, up 4.81%; Net profit of 258.31 billion, up 0.81% [3]. - Ningbo Bank: Revenue of 666.31 billion, up 8.19%; Net profit of 271.27 billion, up 6.23% [3]. - Nanjing Bank: Revenue of 502.71 billion, up 11.32%; Net profit of 201.77 billion, up 9.05% [3]. - Zhengzhou Bank: Revenue decreased by 5.78% to 128.77 billion, attributed to weak corporate loan growth [3][4]. Asset Quality and Risk Management - Zhengzhou Bank reported a non-performing loan (NPL) ratio of 1.79%, higher than the average for city commercial banks, indicating a need for improvement in asset quality management [7]. - All 14 listed city commercial banks maintained a provision coverage ratio above the regulatory minimum of 150%, with Hangzhou Bank and Ningbo Bank showing exceptional performance [8][9]. Differentiated Business Strategies - City commercial banks are encouraged to adopt differentiated development strategies based on regional characteristics to enhance their business models [10]. - Ningbo Bank focuses on risk management in exchange rate and interest rate, achieving a 20.15% increase in institutional deposits [11]. - Beijing Bank plans to leverage digital products and services to enhance its business model in a low-interest environment [11].

厦门银行股份有限公司 关于 2025 年绿色金融债券（第一期）发行完毕的 公告 证券代码：601187 证券简称：厦门银行 公告编号：2025-014 厦门银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚 假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担法律责任。 经中国人民银行核准，厦门银行股份有限公司于近日在全国银行间债券市场 成功发行"厦门银行股份有限公司 2025 年绿色金融债券（第一期）"（以下简 称"本期债券"）。 本期债券于 2025 年 4 月 15 日簿记建档，并于 2025 年 4 月 17 日发行完毕， 发行规模为人民币 30 亿元，品种为 3 年期固定利率债券，票面利率为 1.90%。 本期债券的募集资金将依据适用法律和监管部门的批准，专项用于绿色产业 项目贷款。 特此公告。 厦门银行股份有限公司董事会 2025 年 4 月 17 日 ...

华夏时报记者卢梦雪北京报道 履新不足百日，厦门银行（601187）新任董事长便迎来一大考验。近日，厦门银行披露了涉及东方集团及其关联 方的4.19亿元贷款纠纷，揭开了这家台资背景城商行资产质量承压的冰山一角。 本次诉讼的被告方东方集团系企业，近年来正被多家银行追偿。厦门银行表示，本次起诉主要系被告在其他金融 机构已有逾期，且被告涉及重大经济纠纷、诉讼，已构成违约。该行依约启动法律追偿程序，要求提前收回本息 并诉至厦门中院。 虽在公告中表示已对上述借款计提了相应的减值准备，预计不会对利润产生重大影响，但这笔大额贷款仍引起了 市场关切。记者在采访中了解到，2024年该行已对相关减值进行了计提，而2024年该行净利润同比下滑了 2.61%。 4.19亿元贷款纠纷浮出水面 与此同时，去年上半年，厦门银行的关注类贷款金额达到了48.30亿元，较上年末增加了18.26亿元。 尽管设置了"抵押+担保"的双重防线，厦门银行的信贷安全网却在债务人连环暴雷中迅速瓦解。厦门银行表示，该 行向银祥油脂发放了贷款，如今的本金余额约为4.187亿元。因银祥油脂在其他金融机构已发生逾期情形，且涉及 重大经济纠纷、诉讼，已构成违约。厦门银行 ...

厦门银行成功为第100家台农企业提供授信支持，服务台胞台企提质增效(2)"> 近期，位于厦门同安的某台农企业在厦门银行（601187）成功获批一笔20万元的"台农贷"，成为厦门银行给予授信支持的第100家台农企业。 截至目前，厦门银行服务的台农客群近300家，其中提供授信支持的台农已超100户，在贷金额2.1亿元。 创新金融产品支持两岸台农 两岸农业交流与合作是两岸交流领域中起步最早、基础最好、成效最明显的领域之一，福建省的对台农业合作交流更是走在全国前列。目前，福建省共有 6个国家级台湾农民创业园和9个省级闽台农业融合发展产业园。 然而台农在大陆深耕展业、升级发展也面临着不少堵点痛点。一是缺乏大陆金融机构认可的抵押物，再加上两岸之间征信信息不对称，使得台农较难在大 陆金融机构中获得资金支持；二是由于农业行业本身的属性，生产周期长，受天气等自然因素影响大，台农可选的金融产品有限；三是台农个人来到大陆 生活消费，因大多数是大陆个人征信白户，难以办理信用卡、消费贷。 作为大陆首家具有台资背景的城商行，厦门银行一直非常重视台农客群的金融需求，针对台农企业在大陆创业展业和台农个人在生活消费方面的金融需 求，推出了不同 ...

在"双碳"目标引领下，厦门银行（601187）以产品创新为核心、科技赋能为抓手、政策协同为支撑，构 建多层次绿色金融服务体系，助力区域绿色产业升级。截至2024年6月，厦门银行绿色信贷余额已达 92.08亿元（国家金融监督管理总局口径），绿色信贷余额保持高速增长态势，近三年绿色信贷复合增 长率为57.30%，并在各类绿色金融考核、评奖评优活动中屡创佳绩。 "碳排放权质押贷"则是厦门银行以碳排放权作为抵押担保品范围的贷款品种，合格质押物包括碳排放权 配额、国家核证自愿减排量（CCER）和福建林业碳汇（FFCER）。厦门银行依托福建省拥有省级碳排 放权交易场所——海峡股权交易中心的便利条件，鼓励客户将发放的碳排放权质押贷款资金优先用于节 能改造、设备更新，有效解决企业可供抵押固定资产不足的问题，并盘活存量碳资产。 除"光伏贷""碳排放权质押贷"外，厦门银行针对存在节能技术改造的企业和从事合同能源管理业务的节 能服务公司，推出了"节能减排贷"，鼓励企业和节能服务公司践行节能减排，将环境效益变为经济效 益，以实际行动扩大支持范围版图至转型金融。 科技赋能：数字化管理提升绿色金融服务效能 厦门银行不断强化科技赋能，加快 ...