Core Viewpoint - The company is involved in a financial loan dispute with Xiamen Yinxiang Oil Co., Ltd. and others, with a principal amount of 418.6765 million yuan, and it has made provisions for impairment, indicating that the lawsuit is not expected to significantly impact the company's current or future profits [1][5]. Group 1: Lawsuit Overview - The lawsuit involves a financial loan contract dispute accepted by the Xiamen Intermediate People's Court on April 2025 [2]. - The company has disclosed the basic situation and judgment details in previous announcements [2]. Group 2: Progress of the Lawsuit - The defendant, Xiamen Yinxiang Oil Co., Ltd., has appealed the first-instance judgment to the Fujian Provincial High People's Court, seeking to overturn part of the initial ruling [3]. - The appeal includes requests to dismiss the plaintiff's claims for legal fees and to have the plaintiff bear the appeal costs [3]. Group 3: Impact on Financials - The company has already made the necessary impairment provisions for the loan, and it is anticipated that the lawsuit will not have a significant effect on the company's current or future profits [5].

Core Viewpoint - The announcement from Hu Nong Commercial Bank indicates significant insider buying by top executives, reflecting confidence in the bank's future performance and aligning with a broader trend of regional banks experiencing similar increases in executive and institutional shareholdings [1]. Group 1: Executive Purchases - Five senior executives of Hu Nong Commercial Bank, including the president and several vice presidents, purchased a total of 259,100 shares from November 13 to November 17, 2025, at prices ranging from 9.02 to 9.08 yuan [1]. - This trend of executive share purchases is not isolated, as other regional banks such as Nanjing Bank, Wuxi Bank, and Suzhou Bank have also seen similar actions from their management teams [1]. Group 2: Institutional Purchases - Qingdao Bank reported that its major shareholder, Qingdao Guoxin Financial Holdings Group Co., Ltd., increased its holdings through the Hong Kong Stock Connect, raising its total stake to 15.42%, making it the largest shareholder of the bank [1]. - In addition, Su Nong Bank's executives plan to purchase at least 1.8 million yuan worth of A-shares within six months starting from November 11, 2025 [1]. - Qilu Bank disclosed that its management has already purchased approximately 3.15 million yuan worth of shares, achieving 90% of its planned increase since announcing its buyback plan in mid-September [1].

证券代码：601187 证券简称：厦门银行 公告编号：2025-050 关于诉讼事项的进展公告 本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: 案件所处的诉讼（仲裁）阶段：二审； 上市公司所处的当事人地位：被上诉人； 涉案的金额：借款本金 41,867.65 万元以及相应利息、罚息及复利、费 用等； 是否会对上市公司损益产生负面影响：厦门银行股份有限公司（以下简 称"公司"或"本公司"）已计提了相应的减值准备，预计本次诉讼事项不会对 公司的本期利润或期后利润产生重大影响。本公司将根据案件审理情况依法履行 信息披露义务。 一、本次诉讼的基本情况 2025 年 4 月，公司与厦门银祥油脂有限公司、东方集团股份有限公司、厦 门银祥集团有限公司金融借款合同纠纷一案被厦门市中级人民法院受理。本案基 本情况及判决情况详见本公司《厦门银行股份有限公司关于诉讼事项的公告》（公 告编号：2025-013）及《厦门银行股份有限公司关于诉讼事项的进展公告》（公 告编号：2025-040）。 二、本次诉讼事项的进展情况 厦门银行股份有 ...

Core Viewpoint - Xiamen Bank successfully issued perpetual capital bonds, raising RMB 1.9 billion to supplement its Tier 1 capital [1] Group 1: Bond Issuance Details - The bond issuance was approved by the People's Bank of China and the Xiamen Regulatory Bureau of the National Financial Supervision Administration [1] - The bonds were recorded on November 13, 2025, and the issuance was completed on November 17, 2025 [1] - The total issuance size of the bonds is RMB 1.9 billion, with a fixed interest rate of 2.32% for the first five years, subject to adjustment every five years thereafter [1] Group 2: Use of Proceeds - The funds raised from this bond issuance will be used to supplement the company's other Tier 1 capital, in accordance with applicable laws and regulatory approvals [1]

Core Points - Xiamen Bank has announced the issuance of its "2025 Perpetual Capital Bonds (First Phase)" approved by the People's Bank of China and the Xiamen Regulatory Bureau of the National Financial Supervisory Administration [2] - The bond issuance was recorded on November 13, 2025, and completed on November 17, 2025, with a total issuance scale of RMB 1.9 billion [2] - The coupon rate for the first five years is set at 2.32%, with adjustments every five years, and the issuer has a conditional redemption right on each interest payment date after the fifth year [2]

北京商报讯(记者孟凡霞周义力)11月17日，厦门银行（601187）发布公告，经中国人民银行和国家金融 监督管理总局厦门监管局批准，该行近日在全国银行间债券市场发行了"厦门银行股份有限公司2025年 无固定期限资本债券(第一期)"(以下简称"本期债券")。本期债券于2025年11月13日簿记建档，并于2025 年11月17日完成发行。本期债券发行规模为人民币19亿元，前5年票面利率为2.32%，每5年调整一次， 在第5年及之后的每个付息日附发行人有条件赎回权。本期债券的募集资金将依据适用法律和监管部门 的批准，用于补充厦门银行其他一级资本。 ...

本期债券的募集资金将依据适用法律和监管部门的批准，用于补充公司其他一级资本。 财经频道更多独家策划、专家专栏，免费查阅>>责任编辑：钟离 格隆汇11月17日丨厦门银行(601187.SH)公布，经中国人民银行和国家金融监督管理总局厦门监管局批 准，近日在全国银行间债券市场发行了"厦门银行股份有限公司2025年无固定期限资本债券(第一期)"(以 下简称"本期债券")。 本期债券于2025年11月13日簿记建档，并于2025年11月17日完成发行。本期债券发行规模为人民币19亿 元，前5年票面利率为2.32%，每5年调整一次，在第5年及之后的每个付息日附发行人有条件赎回权。 ...

证券代码：601187 证券简称：厦门银行 公告编号：2025-049 厦门银行股份有限公司 关于成功发行无固定期限资本债券的公告 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。 经中国人民银行和国家金融监督管理总局厦门监管局批准，厦门银行股份有 限公司（以下简称"公司"）近日在全国银行间债券市场发行了"厦门银行股份 有限公司 2025 年无固定期限资本债券（第一期）"（以下简称"本期债券"）。 本期债券于 2025 年 11 月 13 日簿记建档，并于 2025 年 11 月 17 日完成发行。 本期债券发行规模为人民币 19 亿元，前 5 年票面利率为 2.32%，每 5 年调整一 次，在第 5 年及之后的每个付息日附发行人有条件赎回权。 本期债券的募集资金将依据适用法律和监管部门的批准，用于补充公司其他 一级资本。 特此公告。 厦门银行股份有限公司董事会 2025 年 11 月 17 日 ...

Investment Rating - The report does not explicitly state an investment rating for the banking sector, but it provides detailed insights into dividend yields and distribution processes, which can inform investment decisions. Core Insights - The report outlines the latest dividend yields and mid-term dividend processes for A and H shares of listed banks, emphasizing the importance of accurately calculating dynamic dividend yields to avoid discrepancies across periods [1][2]. - It details the two processes for mid-term dividends following the 2023 revision of the regulatory guidelines, highlighting the conventional and simplified processes for implementing mid-term dividends [2]. - The report provides a comprehensive overview of key dates related to dividend distribution for both A and H shares, including the importance of purchasing shares before the ex-dividend date to qualify for dividends [3][4]. Summary by Sections Dynamic Dividend Yield Calculation - A simplified yet accurate method for calculating dynamic dividend yield is introduced, defined as "rolling 12-month EPS * cash dividend rate / share price," which helps avoid issues related to overlapping or missing annual and mid-term dividends [1]. - The report calculates the cash dividend rate using a standardized approach across different banks, resulting in a clear comparison of dividend yields as of November 13, 2025 [1]. Mid-Term Dividend Processes - The report explains the two processes for mid-term dividends: the conventional process requiring shareholder approval and a simplified process allowing for quicker implementation [2]. - The simplified process is designed to enhance flexibility for companies in distributing mid-term dividends, thereby improving shareholder returns [2]. Dividend Distribution Key Dates - For A shares, investors must purchase shares before the ex-dividend date to receive dividends on the same day, while H shares typically see a delay of about one month for dividend payments [3][4]. - The report outlines the differences in the dividend distribution timeline between A and H shares, emphasizing the need for investors to be aware of these timelines to maximize their returns [3][4]. Mid-Term Dividend Progress - As of November 13, 2025, 31 A-share banks have confirmed mid-term dividends, while 11 H-share banks have also confirmed their dividend distributions [9][11]. - The report categorizes banks based on their dividend status, detailing those that have implemented dividends, those that are pending, and those that have opted not to distribute dividends [9][10][11]. - It highlights that the end of 2025 and early 2026 is expected to be a peak period for mid-term dividend distributions, suggesting potential investment opportunities for dividend-seeking investors [11].

Core Insights - In the second half of this year, institutions have actively researched and tracked the operational status of listed banks, with 748 institutions conducting 133 investigations into 23 listed banks as of November 13 [1][2] - The focus of these investigations has been primarily on city commercial banks and rural commercial banks, with key areas of interest including net interest margin trends, non-interest income trends, and capital replenishment [1][2] Group 1: Institutional Research - The majority of institutions conducting research on listed banks are fund companies and securities firms, accounting for 53% of the total [2] - Jiangsu Bank emerged as the most popular among institutions, receiving 83 investigations, followed by Chongqing Rural Commercial Bank and Ningbo Bank with 76 and 75 investigations respectively [2] - Ruifeng Bank had the highest number of total investigations at 22 [2] Group 2: Net Interest Margin Trends - Net interest margin has been a focal point for institutions, with some listed banks showing signs of stabilization or slight recovery compared to the previous year [2] - Several banks reported successful measures to reduce funding costs, such as exiting high-cost deposits and enhancing the absorption of low-cost current deposits [3] - Xiamen Bank reported a 4 basis point increase in net interest margin to 1.08% in the first half of the year, with continued stabilization in the third quarter [3] Group 3: Debt Market Analysis - The bond market has shown a volatile trend this year, impacting the investment income of some listed banks, particularly city and rural commercial banks [4] - Banks are focusing on their investment strategies in the bond market, with a cautious approach to market trends and adjustments in trading positions [4] - Shanghai Bank plans to enhance its market analysis capabilities and maintain flexibility in its investment strategies to mitigate risks from market interest rate fluctuations [4] Group 4: Non-Interest Income and Capital Replenishment - Many banks noted changes in non-interest income, particularly in net income from fees and commissions, which have been affected by regulatory requirements on self-managed wealth management [6] - Banks are exploring various methods for capital replenishment, combining internal capital accumulation with external sources to strengthen their capital base [6]