本次向不特定对象发行可转换公司债券事项尚需通过上交所审核，并获得中 国证券监督管理委员会（以下简称"中国证监会"）作出同意注册的决定后方可 实施，最终能否通过上交所审核，并获得中国证监会同意注册的决定及其时间尚 存在不确定性。本行将根据该事项的进展情况，按照有关法律法规的规定和要求 及时履行信息披露义务。敬请广大投资者注意投资风险。 特此公告。 厦门银行股份有限公司董事会 2024 年 5 月 10 日 关于向不特定对象发行可转换公司债券募集说明书 等申请文件财务数据更新的提示性公告 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。 厦门银行股份有限公司（以下简称"本行"）于 2023 年 3 月 3 日、2023 年 5 月 12 日和 2023 年 9 月 7 日在上海证券交易所（以下简称"上交所"）网站 （http://www.sse.com.cn）披露了《厦门银行股份有限公司向不特定对象发行可 转换公司债券募集说明书（申报稿）》和《厦门银行股份有限公司向不特定对象 发行可转换公司债券募集说明书（修订稿）》 ...

厦门银行股份有限公司 2023 年度股东大会会议材料 （股票代码：601187） 中国·厦门 2024 年 5 月 20 日 1 | . | 11 | | | | --- | --- | --- | --- | | X | | P 1 | K | | 会议议程………………………………………………………………………………………………………………………………………… 4 | | --- | | 会议须知 . | | 议案 1 厦门银行股份有限公司关于 2023年度董事会工作报告的议 | | 家…… | | 议案 2 厦门银行股份有限公司关于 2023 年度监事会工作报告的议 | | 案………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………14 | | 议案 3 厦门银行股份有限公司关于 2023 年年度报告及其摘要的议 | | 案……………………………………………………………………………………………………………………… ...

丨证券研究报告丨 | --- | --- | --- | |----------------------------------------|--------------------------------------------------------------------------------------|-------| | 报告要点 | | | | [Table_Summary] | 厦门银行一季度投资收益拉动营收增速转正，同时充分计提减值。规模增长依然保持克制，坚 | | | | 持审慎的风险偏好。净息差仍在下行，但负债成本预计今年改善，判断有望先于行业触底企稳。 | | | 不良余额下降，不良率再创新低至 0.74% | ，高居上市银行第二位。我们认为在经济下行周期， | | | | 银行资产质量比规模增长更重要，资产质量出清后，如果经济进入复苏周期，更有助于重新加 | | | | 速扩表，业绩潜力弹性大。厦门银行坚守风险偏好，不良率近年来连创新低，同时兼具高股息 | | | 率特征，是稀缺的红利稳定型资产。 | | | [Table_Author] 马祥云 盛悦菲 请阅读最后评级说明和重要声 ...

Financial Performance - The company's operating income for 2023 was 5,602,714,000, a decrease of 4.96% compared to 2022[21]. - The net profit attributable to shareholders of the parent company reached 2,663,871,000, reflecting a growth of 6.30% year-on-year[21]. - The company achieved operating revenue of RMB 5,603 million in 2023, a decrease of 4.96% year-on-year, primarily due to a narrowing interest margin[132]. - Net profit attributable to shareholders of the parent company was RMB 2,664 million, an increase of RMB 158 million, representing a year-on-year growth of 6.30%[132]. - Non-interest income grew by 15.44% year-on-year, reaching RMB 1,276 million, while net interest income decreased by 9.67% to RMB 4,326 million[132]. - The company reported a net profit attributable to shareholders after deducting non-recurring gains and losses of 721.23 million RMB for 2023, compared to 700.99 million RMB in 2022[189]. Asset and Liability Management - The total assets increased by 5.24% to 390,663,859,000 as of December 31, 2023[21]. - The total liabilities amounted to 360,149,816,000, representing a 3.95% increase from the previous year[21]. - The total deposits reached 207,574,654,000, with a year-on-year growth of 1.32%[21]. - The total amount of loans and advances was CNY 209.701 billion, growing by 4.65% year-on-year[76]. - The balance of green loans grew by 72%, while the balance of medium and long-term manufacturing loans increased by 33%[7]. - The balance of inclusive small and micro enterprise loans was CNY 71.728 billion, with an increase of CNY 10.688 billion, representing a growth rate of 17.51%[81]. Capital and Liquidity Ratios - The core Tier 1 capital ratio improved to 9.86% as of December 31, 2023, compared to 9.50% a year earlier, indicating a stronger capital position[25]. - The liquidity coverage ratio stood at 315.54% as of December 31, 2023, up from 226.48% in the same period last year, reflecting enhanced liquidity management[26]. - The net stable funding ratio was reported at 122.97% as of December 31, 2023, compared to 115.34% a year earlier, showing improved funding stability[28]. - The leverage ratio as of December 31, 2023, was 6.40%, an increase from 5.56% a year earlier, indicating a more efficient use of capital[47]. - The capital adequacy ratio increased to 15.40% by the end of 2023, up from 13.76% at the end of 2022[188]. Client and Market Development - The number of clients served in the inclusive small and micro enterprise loan segment increased by 15% year-on-year[12]. - The number of Taiwan enterprise clients increased by 34% compared to the beginning of the year, with credit accounts growing by 41%[137]. - The company aims to strengthen its financial services for cross-strait businesses, enhancing customer coverage and market advantages through tailored products[48]. - The company has established a comprehensive financial service system for cross-strait operations, maintaining the highest number of credit card issuances for Taiwanese residents in Fujian[160]. - The company launched the first online consumption credit loan product for Taiwanese residents, "Tai e Loan," contributing to a 20% increase in Taiwanese clients and a 34% increase in Taiwanese enterprise clients[160]. Digital Transformation and Innovation - The company has made significant advancements in digital transformation, enhancing data governance and application across its operations[37]. - The company has successfully transitioned offline business to online, implementing a new online process for various loan products, enhancing its commercial model[86]. - The company implemented a digital upgrade of its credit factory, achieving a credit amount exceeding 7 billion yuan and improving marketing efficiency by 65%[120]. - The company launched several specialized financial products for new citizens and Taiwanese residents, including "New Citizen Quick E Loan" and "Taiwan E Loan," which have received media recognition and awards[94]. - The company received multiple awards for its financial technology projects, including recognition for its "Tai e Loan" product[193]. Risk Management and Compliance - The company has enhanced its financial market operations, optimizing asset structure and managing liability costs effectively, leading to improved profitability[105]. - The company focused on compliance management in financial market operations, ensuring adherence to external regulations and strengthening its management system[108]. - The company has implemented various intelligent operational tools, saving over 1,180 person-months of labor and processing over 4.93 million documents[182]. - The company achieved a provision coverage ratio of 412.89%, an increase of 24.96 percentage points from 387.93% in the previous year[188]. - The company implemented a refined risk management system, enhancing its ability to identify potential risks through big data applications[132]. Awards and Recognition - The company has been recognized for its contributions to private enterprises, receiving the "Outstanding Contribution Bank Award" for 2022 from local financial authorities[29]. - The company was recognized as the "Outstanding Institution for Serving Small and Micro Enterprises" in Xiamen for nine consecutive years[81]. - The company was recognized as a leading market influence institution in the interbank bond market and received multiple awards for its trading capabilities[133].

Financial Performance - Net profit attributable to shareholders of the parent company for Q1 2024 was RMB 752,440 thousand, representing a year-on-year increase of 4.35%[6] - Basic earnings per share for Q1 2024 was RMB 0.26, up 4.00% from RMB 0.25 in Q1 2023[6] - The company's total operating income for Q1 2024 was RMB 1,488,662 thousand, reflecting a year-on-year increase of 3.68%[6] - Net profit for Q1 2024 reached RMB 770,002 thousand, up from RMB 741,640 thousand in Q1 2023, representing an increase of 3.86%[46] - Operating income for Q1 2024 was RMB 1,488,662 thousand, compared to RMB 1,435,755 thousand in Q1 2023, marking a growth of 3.68%[46] - The bank's comprehensive income for Q1 2024 was RMB 1,005,579 thousand, compared to RMB 940,974 thousand in Q1 2023, an increase of 6.88%[48] - The bank's basic/diluted earnings per share for Q1 2024 was RMB 0.26, compared to RMB 0.25 in Q1 2023, showing a growth of 4%[48] Asset and Equity - Total assets as of March 31, 2024, reached RMB 393,155,050 thousand, an increase of 0.64% compared to December 31, 2023[5] - Total equity attributable to shareholders of the parent company increased to RMB 30,787,035 thousand, a rise of 3.06% from the end of 2023[5] - The bank's total equity increased to RMB 31,447,627 thousand as of March 31, 2024, from RMB 30,514,043 thousand as of December 31, 2023, reflecting a growth of 3.05%[43] Liabilities and Loans - The company's total liabilities amounted to RMB 361.71 billion, a 0.43% increase from the previous year-end[29] - As of March 31, 2024, total liabilities increased to RMB 361,707,424 thousand from RMB 360,149,816 thousand as of December 31, 2023, reflecting a growth of 0.43%[43] - Customer loans and advances totaled RMB 210.33 billion, up from RMB 209.70 billion at the end of the previous year[29] Cash Flow - The net cash flow from operating activities for Q1 2024 was RMB -2,192,829 thousand, with the change being not applicable due to the previous period being negative[17] - Cash flow from operating activities for Q1 2024 was negative at RMB -2,192,829 thousand, an improvement compared to RMB -20,603,722 thousand in Q1 2023[50] - The net cash flow from financing activities in Q1 2024 was RMB 1,784,514 thousand, down from RMB 5,879,122 thousand in Q1 2023, indicating a decrease of about 70%[53] Risk and Quality Indicators - The non-performing loan ratio improved to 0.74%, down by 0.02 percentage points from the end of the previous year, indicating stable asset quality[27] - The provision coverage ratio stood at 412.01%, slightly down by 0.88 percentage points, maintaining sufficient risk compensation capacity[27] - The liquidity coverage ratio was reported at 220.69%, down from 315.54% at the end of the previous year[36] - The company's core Tier 1 capital adequacy ratio improved to 10.14% as of March 31, 2024, compared to 9.86% at the end of the previous year[32] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 51,735[18] - The top shareholder, Xiamen Jinyuan Investment Group Co., Ltd., holds 506,147,358 shares, accounting for 19.18% of total shares[18] Investment and Income - Net interest income decreased to RMB 985,916 thousand in Q1 2024 from RMB 1,127,691 thousand in Q1 2023, a decline of 12.53%[46] - The bank's investment income surged to RMB 279,896 thousand in Q1 2024 from RMB 43,382 thousand in Q1 2023, a significant increase of 546.36%[46] Cash and Equivalents - The ending balance of cash and cash equivalents as of March 31, 2024, was RMB 26,152,890 thousand, compared to RMB 9,190,914 thousand at the end of Q1 2023, showing a significant increase[53] - The impact of exchange rate changes on cash and cash equivalents was RMB 10,521 thousand in Q1 2024, a positive shift from a negative impact of RMB 24,474 thousand in Q1 2023[53]

证券代码：601187 证券简称：厦门银行 公告编号:2024-014 厦门银行股份有限公司 关于董事会秘书任职资格获得核准的公告 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。 厦门银行股份有限公司董事会 2024 年 4 月 8 日 1 近日，厦门银行股份有限公司（下称"公司"）收到《国家金融监督管理总 局厦门监管局关于谢彤华任职资格的批复》（厦金复〔2024〕49 号），核准谢彤 华董事会秘书的任职资格。 谢彤华先生的简历详见公司于 2024 年 1 月 6 日在上海证券交易所网站 （www.sse.com.cn）披露的《厦门银行股份有限公司第九届董事会第一次会议决 议公告》（公告编号：2024-002）。 特此公告。 ...

证券代码：601187 证券简称：厦门银行 公告编号：2024-012 与会董事对议案进行了审议，形成如下决议： 一、审议并通过《厦门银行股份有限公司关于 2023 年度战略执行情况报告 的议案》 表决结果：以 13 票赞成，0 票反对，0 票弃权获得通过。 二、审议并通过《厦门银行股份有限公司关于 2024-2026 年发展战略规划的 议案》 表决结果：以 13 票赞成，0 票反对，0 票弃权获得通过。 三、审议并通过《厦门银行股份有限公司关于 2024 年度财务预算方案的议 案》 表决结果：以 13 票赞成，0 票反对，0 票弃权获得通过。 厦门银行股份有限公司 第九届董事会第三次会议决议公告 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。 厦门银行股份有限公司（以下简称"公司"）第九届董事会第三次会议通知 于 2024 年 3 月 15 日以电子邮件方式发出，会议于 2024 年 3 月 27 日在厦门以 现场会议方式召开，由姚志萍董事长召集并主持。本次会议应出席的董事 13 人， 亲自出席会议的董事 1 ...

厦门银行股份有限公司信息披露管理办法 第一章 总则 第一条 为规范厦门银行股份有限公司（以下简称"本行"）信息披露管 理，履行法定信息披露义务，并维护投资者及相关利益人的权益，根据《中华人 民共和国公司法》《中华人民共和国证券法》《中华人民共和国商业银行法》《上 市公司信息披露管理办法》《商业银行信息披露办法》《银行保险机构公司治理准 则》《公开发行证券的公司信息披露编报规则第 26 号--商业银行信息披露特别规 定》（以下简称"《商业银行信息披露特别规定》"）《上海证券交易所股票上市规 则》《上海证券交易所上市公司自律监管指引第 2 号——信息披露事务管理》及 《厦门银行股份有限公司章程》（以下简称"本行章程"）等有关规定，制定本办 法。 第二条 本办法所称"信息"是指所有对本行证券及其衍生品种交易价格 可能产生重大影响的信息；相关证券监管机构和上海证券交易所要求披露的信息； 银行业监督管理机构要求在定期报告里披露的信息；其它本行主动披露的信息。 信息披露文件主要包括定期报告、临时报告、招股说明书、募集说明书、上市公 告书、收购报告书等。 本办法所称"披露"系指在规定的时间内、在上海证券交易所的网站和符合 ...

证券代码：601187 证券简称：厦门银行 公告编号：2024-013 厦门银行股份有限公司 第九届监事会第二次会议决议公告 厦门银行股份有限公司监事会及全体监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。 厦门银行股份有限公司（以下简称"公司"）第九届监事会第二次会议通知 于 2024 年 3 月 21 日以电子邮件方式发出，会议于 2024 年 3 月 27 日在厦门以 现场会议方式召开，由王建平监事长召集并主持。本次会议应出席的监事 6 人， 亲自出席会议的监事 6 人。公司高级管理人员列席了会议。本次会议的召集、召 开程序符合《中华人民共和国公司法》等法律法规和《厦门银行股份有限公司章 程》的有关规定。 四、审议并通过《厦门银行股份有限公司关于内部审计 2023 年度工作情况 报告的议案》 表决结果：以 6 票赞成，0 票反对，0 票弃权获得通过。 五、审议并通过《厦门银行股份有限公司关于内部审计 2024 年度工作计划 的议案》 与会监事对议案进行了审议，形成如下决议： 一、审议并通过《厦门银行股份有限公司关于 2023 年度战略执行 ...