Deposits and Liabilities - Total deposits increased from 199,324,811 to 204,869,727, representing a growth of approximately 2.77%[2] - The company's deposits rose from 107,471,465 to 115,075,825, marking an increase of about 7.48%[2] - The total liabilities decreased from 346,464,169 to 339,748,271, a reduction of approximately 1.96%[7] - The total amount of deposits absorbed by the company as of March 31, 2023, was RMB 199.325 billion, which showed a decrease compared to the previous year-end[47] Profit and Earnings - Net profit attributable to shareholders increased from 627,107 to 721,071, reflecting a growth of 14.98% year-over-year[18] - Basic earnings per share rose from 0.21 to 0.25, an increase of 19.05% compared to the same period last year[18] - Net profit for Q1 2023 reached RMB 741,640 thousand, an increase from RMB 642,926 thousand in Q1 2022, reflecting a growth of approximately 15.3%[35] - For the first quarter of 2023, the company achieved an operating income of RMB 1.436 billion, representing a year-on-year increase of 5.02%, and a net profit attributable to shareholders of RMB 721 million, up 14.98% year-on-year[48] Cash Flow and Liquidity - The net cash flow from operating activities showed a significant decline from 9,288,105 to -20,603,722, a drop of 321.83%[17] - The net cash flow from operating activities for the first quarter of 2023 was RMB -20.604 billion, a decrease of 321.83% compared to the same period last year, primarily due to reduced cash inflows from deposit absorption and interbank borrowing[43] - The net cash and cash equivalents at the end of Q1 2023 were RMB 9,190,914 thousand, down from RMB 16,852,235 thousand at the end of Q1 2022, indicating a liquidity contraction[60] Asset Quality - The non-performing loan ratio remained stable at 0.86% for both periods[5] - The non-performing loan ratio remained stable at 0.86%, consistent with the end of the previous year, indicating stable asset quality[26] - The provision coverage ratio stood at 373.27%, demonstrating sufficient risk mitigation capacity[26] - The non-performing loan ratio remained stable, with normal loans at 97.87% of total loans, while the substandard and doubtful loans accounted for 0.24% and 0.29%, respectively[65] Capital and Equity - The company's equity attributable to shareholders increased from 24,191,992 to 25,037,123, a growth of about 3.51%[7] - The total equity attributable to shareholders of the parent company was RMB 25,037,123 thousand as of March 31, 2023, reflecting a 3.49% increase from the previous year[39] - The company's first-level capital net amount as of March 31, 2023, was RMB 25.331 billion, an increase from RMB 24.448 billion at the end of 2022[52] - The core Tier 1 capital adequacy ratio improved to 9.66% as of March 31, 2023, compared to 9.50% at the end of 2022, indicating a stronger capital position[63] Operating Performance - Operating income for Q1 2023 was RMB 1,435,755 thousand, up from RMB 1,367,115 thousand in Q1 2022, representing an increase of about 5%[35] - Interest income for Q1 2023 was RMB 3,121,149 thousand, compared to RMB 3,036,757 thousand in Q1 2022, showing a growth of approximately 2.8%[35] - The company reported a net interest income of RMB 1,127,691 thousand for Q1 2023, slightly up from RMB 1,118,910 thousand in Q1 2022[35] Strategic Initiatives - The company plans to publicly issue A-share convertible bonds totaling up to RMB 50 billion, pending regulatory approval[27] - The company is committed to a high-quality development direction, prioritizing structural adjustments over scale growth[24] - The company has not disclosed any significant new product or technology developments, market expansions, or mergers and acquisitions during this reporting period[49] Shareholder Information - The top ten shareholders held a total of 92.538 million shares, with the largest shareholder being Quanshun Group (Xiamen) Real Estate Co., Ltd.[45]

厦门银行股份有限公司 XIAMEN BANK CO.,LTD 2022 年年度报告 （A 股股票代码：601187） 重要提示 厦门银行股份有限公司 2022 年年度报告 二、公司于 2023 年 4 月 27 日召开第八届董事会第三十一次会议审议通过了本报告。本次 会议应出席的董事 13 人，亲自出席会议的董事 12 人，戴亦一独立董事因其他重要公务 行程冲突未能出席会议，委托聂秀峰独立董事代为出席并表决。 四、公司法定代表人、董事长姚志萍，行长、主管财会工作负责人吴昕颢及财会机构负责 人宋建腾，保证年度报告中财务报告的真实、准确、完整。 公司董事会建议，以实施权益分派股权登记日的普通股总股本为基数，向权益分派股权 登记日登记在册的全体普通股股东每 10 股派发现金股利 2.90 元（含税），合计派发 7.65 亿元。 六、本年度报告所载财务数据及指标按照中国企业会计准则编制，除特别说明为母公司数 据外，均为合并口径数据，货币币种以人民币列示。 本报告中所涉及的未来计划、发展战略等前瞻性描述不构成公司对投资者的实质承诺， 投资者及相关人士均应当对此保持足够的风险认识，并且应当理解计划、预测与承诺之间的 差异 ...

证券代码：601187 证券简称：厦门银行 编号：2022-03 厦门银行股份有限公司 投资者关系活动记录表 | --- | --- | --- | --- | |-------------------------|--------------------------------------------------------------------------------|-----------------------|------------------------------------------------------------| | 投资者关系活动 \n类别 | 特定对象调研 □分析师会议 \n□业绩说明会 □新闻发布会 □路演活动 \n□现场参观 □其他 | | □媒体采访 | | 参与单位名称 广发证券等 | 51 家机构、 | 56 人次参加线上调研 | | | 时间 2022 | 年 5 月 17 日 | 10:30–12:00 | | | 地点 厦门银行 | C619 | 会议室（电话会议） | | | | 公司接待人员 行长吴昕颢、副行长兼董事会秘书陈蓉蓉 | | | | | 一、贵 ...

证券代码：601187 证券简称：厦门银行 厦门银行股份有限公司 投资者关系活动记录表 编号：2022-04 | --- | --- | --- | --- | |-------------------------|-----------------------------------------------------|------------------------------------------------------|-----------| | 投资者关系活动 \n类别 | 特定对象调研 □分析师会议 \n□现场参观 □其他 | \n□业绩说明会 □新闻发布会 □路演活动 | □媒体采访 | | 参与单位名称 光大证券等 | 7 家机构、 | 10 人次参加线上调研 | | | 时间 2022 | 年 6 月 24 日 15:00 | – 16:00 | | | 地点 厦门银行 | C616 | 会议室（电话会议） | | | | 公司接待人员 副行长兼董事会秘书陈蓉蓉及相关部门领导 | | | | | | 一、小微业务一直以来都是厦门银行的战略重点，近年来 | | | | | 随着大行加大客户 ...

Financial Performance - Net profit attributable to shareholders of the parent company for Q3 2022 was RMB 567,844 thousand, representing a year-on-year growth of 28.41%[5] - Operating income for the first nine months of 2022 was RMB 4,449,756 thousand, up 15.41% from RMB 3,855,748 thousand in the same period of 2021[5] - Basic earnings per share for Q3 2022 was RMB 0.21, an increase of 31.25% compared to the same period last year[6] - The net profit for the first nine months of 2022 was RMB 1,844,671 thousand, an increase from RMB 1,538,618 thousand in the same period of 2021, representing a growth of approximately 20%[34] - The basic/diluted earnings per share for the first nine months of 2022 was RMB 0.65, compared to RMB 0.57 in the same period of 2021, indicating improved profitability[36] Asset and Liability Management - Total assets as of September 30, 2022, reached RMB 363,701,835 thousand, an increase of 10.38% compared to the end of 2021[5] - As of September 30, 2022, the total liabilities amounted to RMB 339.36 billion, up from RMB 306.23 billion at the end of the previous year[19] - The total equity attributable to shareholders of the parent company was RMB 23,806,344 thousand, reflecting a 4.61% increase from the end of 2021[5] - The total assets as of September 30, 2022, were RMB 363,701,835 thousand, up from RMB 329,494,574 thousand at the end of 2021, reflecting a growth of about 10.4%[29] - The total liabilities as of September 30, 2022, were RMB 339,364,729 thousand, an increase from RMB 306,229,296 thousand at the end of 2021, indicating a growth of approximately 10.8%[31] Cash Flow and Liquidity - Net cash flow from operating activities for the first nine months of 2022 was RMB 14,349,757 thousand, a significant recovery from a negative cash flow of RMB -19,988,588 thousand in the same period of 2021[5] - Cash inflow from operating activities totaled CNY 48,181,906 thousand, an increase of 17.4% from CNY 40,935,116 thousand year-on-year[41] - Total cash and cash equivalents at the end of the period amounted to CNY 22,958,959 thousand, an increase from CNY 14,982,585 thousand at the end of the previous year[42] - The liquidity coverage ratio stood at 277.05%, significantly higher than the previous year's 203.37%, indicating improved liquidity position[24] - The liquidity ratio improved to 84.60% as of September 30, 2022, up from 70.43% at the end of 2021, reflecting enhanced liquidity management[26] Risk Management - The non-performing loan ratio as of September 30, 2022, was 0.86%, a decrease of 0.05 percentage points from the end of the previous year[14] - The provision coverage ratio improved to 385.02%, an increase of 14.38 percentage points compared to the end of the previous year, indicating strong risk mitigation capacity[14] - The provision coverage ratio increased to 385.02% as of September 30, 2022, compared to 370.64% at the end of 2021, indicating a stronger buffer against potential loan losses[26] - The non-performing loan ratio improved to 0.86% as of September 30, 2022, down from 0.91% at the end of 2021, indicating better asset quality[26] Shareholder Information - The top ten shareholders held a total of 60,909 shares, with the largest shareholder, Xiamen Jinyuan Investment Group, owning 18.27% of the shares[10] - The company completed the transfer of 480,045,448 shares, accounting for 18.19% of the total share capital, to Xiamen Jinyuan Investment Group Co., Ltd., making it the largest shareholder[16] Future Plans - The company plans to publicly issue A-share convertible bonds totaling no more than RMB 5 billion, which has been approved by the regulatory authorities[17]

Financial Performance - For the first half of 2022, Xiamen Bank reported operating income of RMB 2,854,759 thousand, an increase of 18.17% compared to the same period in 2021[18]. - The operating profit for the first half of 2022 was RMB 1,304,253 thousand, reflecting a growth of 12.80% year-on-year[18]. - Total profit for the first half of 2022 reached RMB 1,302,450 thousand, up by 12.27% from the previous year[18]. - The net profit attributable to shareholders of the parent company was RMB 1,232,286 thousand, representing a 15.11% increase compared to the same period in 2021[18]. - The net profit attributable to shareholders of the parent company after deducting non-recurring gains and losses was RMB 1,230,963 thousand, an increase of 15.39% year-on-year[18]. - The company did not implement profit distribution or capital reserve transfer to increase share capital during the reporting period[3]. - The report period covers from January 1, 2022, to June 30, 2022[11]. - The financial data and indicators are prepared in accordance with Chinese accounting standards, with all figures presented in Renminbi[3]. Asset and Deposit Growth - The total assets increased to CNY 351.71 billion, up 6.74% from CNY 329.49 billion at the end of 2021[21]. - Customer loans and advances totaled CNY 184.72 billion, reflecting a growth of 5.53% compared to CNY 175.04 billion[21]. - The total deposits reached CNY 212.03 billion, marking a significant increase of 15.36% from CNY 183.80 billion[21]. - As of June 30, 2022, the net capital of the company was RMB 30,505,467 thousand, compared to RMB 28,789,843 thousand on December 31, 2021, reflecting an increase of approximately 5.96%[31]. - The company's customer deposit balance (excluding margin deposits and other deposits) reached RMB 135,663 million, with a growth rate of 20.14%[46]. - The balance of corporate loans and advances (excluding bill discounting) was RMB 98,814 million, reflecting a growth of 7.44%[46]. - The total deposits in both domestic and foreign currencies amounted to RMB 212.03 billion, growing by 15.36% year-on-year, with personal deposits at RMB 44.15 billion, up 6.02%[113]. Risk Management and Financial Ratios - The company has taken measures to effectively manage and control various operational risks, including credit risk and liquidity risk[5]. - The net interest margin decreased to 1.49%, down 0.14 percentage points from 1.63%[25]. - The capital adequacy ratio fell to 14.35%, a decrease of 2.04 percentage points from 16.40%[25]. - The non-performing loan ratio improved slightly to 0.90%, down from 0.91%[25]. - The provision coverage ratio decreased to 364.18%, down 6.46 percentage points from 370.64%[25]. - The liquidity ratio improved to 95.29%, up from 70.43% at the end of 2021[27]. - The cost-to-income ratio improved to 33.26%, down from 34.56%[27]. - The retail loan non-performing rate stood at 0.33% as of the end of the reporting period[91]. - The company has established a comprehensive risk management framework, enhancing compliance and internal control systems[97]. Customer and Market Engagement - The number of cash management clients and transaction volume grew significantly, with year-on-year increases of 41.71% and 25.62%, respectively[60]. - Domestic trade financing business volume rose by 45.77% year-on-year, with the number of clients increasing by 27.44%[61]. - International settlement volume increased by 88.70% year-on-year, while cross-border trade financing volume grew by 38.59%[62]. - The company launched several innovative financial products for Taiwanese clients, including the first dedicated credit card for Taiwanese residents in mainland China[101]. - The number of retail customers increased to 2.3059 million, representing a growth of 4.63% year-on-year[79]. - The new customer conversion rate for basic accounts was 71.94%, an increase of 6.6 percentage points compared to the same period last year[80]. - Credit card active users increased by 11% as of the end of June[84]. - Mobile banking signed users reached 1,064,400, with a net increase of 91,600 since the beginning of the year, and monthly active users increased by 24.96% year-on-year[85]. Investment and Income Generation - Investment income reached 327 million, a year-on-year increase of 136%[92]. - The company launched its first investment in US dollar bonds issued by the Macau Gold Exchange, further diversifying its profit sources[93]. - The company’s net interest income was RMB 2,274.71 million, showing a year-on-year increase of 7.72% from RMB 2,111.68 million[126]. - The company reported net commission and fee income of RMB 239.28 million, up 28.07% from RMB 186.83 million in the previous year[131]. - Non-interest income surged to RMB 580 million, marking a significant increase of 90.76% compared to the previous year[115]. - The company incurred credit impairment losses of RMB 563.03 million, an increase of 21.60% year-on-year due to the growth in asset scale and accelerated disposal of non-performing assets[136]. Operational Efficiency and Digital Transformation - The company has implemented a digital transformation strategy focusing on smart risk control, precise marketing, and customer service[87]. - The company is advancing its digital transformation through financial technology initiatives, improving operational efficiency and reducing management costs[100]. - The company has developed a complete set of quantitative trading strategies covering various trading cycles, enhancing its trading capabilities[95]. - The company’s client-oriented financial market business transaction volume increased by 85% compared to the same period last year[96]. - The number of new business outlets increased by 10, expanding customer service coverage[85]. Branch and Staff Information - As of June 30, 2022, the company has a total of 9 branches, 2 specialized institutions, and 85 sub-branches, with total assets amounting to 66.48 billion CNY[192]. - The company employs a total of 901 staff across its branches in Xiamen[192].

证券代码：601187 证券简称：厦门银行 公告编号：2022-019 厦门银行股份有限公司 关于参加厦门辖区上市公司 2021 年年报业绩说明会 暨投资者网上集体接待日活动的公告 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个 别及连带责任。 重要内容提示： 活动召开时间：2022 年 5 月 10 日（星期二）14:30-16:00 活动召开方式：网络在线互动 活动召开平台：投资者可以登录"全景网投资者关系互动平台" （http://ir.p5w.net）参与本次互动交流。 投资者如需提问，可于 2022 年 5 月 7 日（星期六）前将需要了解的情况 和 问 题 通 过 电 子 邮 件 的 方 式 发 送 至 公 司 邮 箱 ： dshbgs@xmbankonline.com。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。 为进一步加强与投资者的交流，便于广大投资者更加全面深入地了解厦门银 行股份有限公司（以下简称"公司"）发展战略、公司治理与经营情况，公司将 参加由厦门证监局指导，厦门上市公司协会和深圳市 ...

单位：人民币千元 项目 2022 年 3 月 31 日 2021 年 12 月 31 日 较上年末变动（%） 总资产 343,812,312 329,494,574 4.35 | --- | --- | --- | --- | |------------------------------------------------|-------|----------------------------|-------| | 归属于母公司股东的所有者权 益 | | 23,259,718 22,757,279 2.21 | | | 归属于母公司普通股股东的每 股净资产（元 / 股） | | 7.87 7.68 2.48 | | 证券代码：601187 证券简称：厦门银行 公告编号：2022-015 厦门银行股份有限公司 2022 年第一季度报告 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个别及连带责任。 重要内容提示： 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述 ...

Financial Performance - The total operating income for 2021 was CNY 5,315,527,000, a decrease of 4.32% compared to CNY 5,555,613,000 in 2020[43]. - The net profit attributable to shareholders of the parent company for 2021 was CNY 2,168,598,000, an increase of 18.99% from CNY 1,822,567,000 in 2020[43]. - The company's total assets exceeded 300 billion, reaching 329.5 billion RMB, a year-on-year increase of 15.55%[18]. - Net profit increased by 19.23% year-on-year, reflecting improved operational efficiency[18]. - The total customer loans and advances amounted to CNY 175,039,818,000, representing a 24.45% increase from CNY 140,646,890,000 in 2020[45]. - The total deposits increased to CNY 183,800,938,000, a rise of 19.17% compared to CNY 154,237,929,000 in 2020[45]. - The basic earnings per share for 2021 was CNY 0.80, up 6.67% from CNY 0.75 in 2020[47]. - The non-performing loan ratio improved to 0.91% as of December 31, 2021, down from 0.98% in 2020[50]. - The capital adequacy ratio as of December 31, 2021, was 10.47%, a decrease of 0.87 percentage points from 11.34% in 2020[50]. - The weighted average return on equity for 2021 was 10.98%, a slight decrease of 0.25 percentage points from 11.23% in 2020[47]. - The net interest margin for 2021 was 1.62%, down 0.03 percentage points from 1.65% in 2020[47]. Strategic Initiatives - The company has implemented a three-year strategic plan (2021-2023) to enhance its market position and service offerings[8]. - The company aims to deepen its strategic initiatives and maintain focus on its market positioning in the coming years[15]. - The company is focused on high-quality development, aiming to support local economies and small businesses while leveraging its Taiwanese background and regional advantages[15]. - The company has established a professional wealth advisory team, resulting in a 26% year-on-year growth in personal financial assets[22]. - The company has established specialized teams and branches to enhance services for small and micro enterprises, improving the overall service quality[75]. Customer Growth and Services - Retail customer base increased by 13%, and mobile banking signed customers grew by 26%[19]. - The number of small and micro enterprise loan customers increased by 22%, with loan balances rising by 29%[22]. - The number of Taiwan enterprise customers grew by 52%, with loan balances increasing by 114%[23]. - The company has seen a 48.08% increase in deposits and a 133.92% increase in loans from strategic clients compared to the previous year[84]. - The company launched the "E Loan" product series to meet diverse financing needs, leveraging tax data to optimize credit loan products[111]. Social Responsibility and Community Support - The company emphasized social responsibility by supporting small and micro enterprises and achieving regulatory targets for inclusive finance[15]. - The company actively participated in pandemic response efforts, forming a "Youth Anti-Epidemic Team" to support local economic recovery[15]. - The company has reduced fees and provided financial relief amounting to 273 million yuan to market entities and the public during the reporting period[81]. - The company has implemented a dedicated credit plan for small and micro enterprises, resulting in a significant increase in the allocation of credit resources to these businesses[74]. Digital Transformation and Innovation - The company is committed to digital banking and green finance, introducing products like "Green Garden Loan" and "Green Easy Loan" to promote sustainable development[15]. - The company’s digital employee project, which applies robotic process automation (RPA) technology, significantly improved operational efficiency and reduced management costs[139]. - The company has launched a series of technology financial products, including technology loans and intellectual property loans, to improve financing conditions for SMEs with core technologies[93]. - The company established a technology team embedded within business units to enhance efficiency in information system construction, leading to a 21.83% increase in corporate electronic channel customers and a 32.14% increase in active customers compared to the beginning of the year[104]. Risk Management and Compliance - The company has strengthened its corporate governance and risk management practices to ensure compliance and operational stability[9]. - The non-performing loan ratio remained low at 0.25%, reflecting strong risk management practices[127]. - The company has improved its compliance and internal control management, becoming one of the six city commercial banks recognized as a foundational member of the foreign exchange market self-regulatory mechanism[138]. - The company has established a robust internal control and risk management system, maintaining good asset quality over the years[154]. Financial Products and Offerings - The company launched the "企金税 e 贷" product, enabling online applications and automatic approvals, which has streamlined the lending process for small businesses[78]. - The company has introduced region-specific financial products to support local economic development, such as "泉州石财贷" and "漳州台农贷"[78]. - The company's green loan balance increased by 116.73% compared to the beginning of the year, primarily allocated to agricultural waste resource utilization, urban public transportation system construction, and recycling of waste resources[91]. - The company achieved a bond trading volume of 36.07 billion yuan through the "Bond Connect" program, a year-on-year increase of 131%[132].

Financial Performance - Net profit attributable to shareholders of the parent company was RMB 442,195 thousand, up 45.68% year-on-year[7]. - Operating income for the third quarter was RMB 1,440,006 thousand, reflecting a year-on-year growth of 40.13%[7]. - Basic earnings per share increased by 23.08% to RMB 0.16[7]. - The net profit attributable to shareholders for the reporting period was RMB 15.13 billion, representing a year-on-year growth of 20.61%[18]. - Net profit for the first nine months of 2021 was RMB 1,538,618 thousand, an increase from RMB 1,280,622 thousand in the same period of 2020, representing a growth of about 20%[36]. - The bank's basic/diluted earnings per share for the first nine months of 2021 was RMB 0.57, compared to RMB 0.53 in the same period of 2020, indicating an increase of approximately 8%[40]. Asset and Liability Management - Total assets reached RMB 319,759,665 thousand, an increase of 12.14% compared to the end of 2020[6]. - The company's total liabilities amounted to RMB 297.21 billion, reflecting an increase of 11.95% year-over-year[17]. - The bank's total liabilities reached RMB 297,210,914 thousand as of September 30, 2021, up from RMB 265,476,651 thousand at the end of 2020, indicating a growth of approximately 12%[34]. - The bank's total equity increased to RMB 22,548,751 thousand as of September 30, 2021, compared to RMB 19,673,630 thousand at the end of 2020, marking an increase of approximately 15%[34]. Cash Flow Analysis - Net cash flow from operating activities was negative at RMB -19,988,588 thousand for the first three quarters[6]. - The total cash inflow from operating activities amounted to RMB 40,935,116 thousand, compared to RMB 23,877,451 thousand in the previous year, reflecting an increase of about 71.5%[42]. - The total cash outflow from operating activities was RMB 60,923,703 thousand, compared to RMB 42,086,796 thousand in the previous year, reflecting an increase of approximately 44.5%[42]. - The net cash flow from financing activities was RMB 3,039,732 thousand, a decrease from RMB 15,815,788 thousand year-over-year, indicating a decline of approximately 80.8%[44]. - The cash and cash equivalents at the end of the period stood at RMB 14,982,585 thousand, down from RMB 18,417,667 thousand in the previous year, representing a decrease of about 18.5%[44]. Investment and Income - The company has seen significant growth in investment income and fair value changes contributing to revenue growth[9]. - Net interest income rose to RMB 3,211,797 thousand for the first nine months of 2021, compared to RMB 2,890,021 thousand in the same period of 2020, reflecting an increase of about 11%[36]. - The bank's net fee and commission income grew to RMB 303,643 thousand in the first nine months of 2021, up from RMB 237,524 thousand in the same period of 2020, reflecting an increase of about 28%[36]. - The bank's investment income decreased to RMB 301,502 thousand in the first nine months of 2021, down from RMB 896,851 thousand in the same period of 2020, representing a decline of about 66%[36]. Regulatory Compliance - The capital adequacy ratio stood at 14.28%, meeting regulatory requirements[18]. - The non-performing loan ratio improved to 0.92%, down by 0.06 percentage points from the end of the previous year[18]. - The provision coverage ratio increased to 370.23%, up by 2.20 percentage points compared to the previous year-end[18]. - The liquidity coverage ratio was reported at 135.84%, down from 185.65% at the end of the previous year[27]. - The leverage ratio increased to 5.97%, compared to 5.70% at the end of the previous year[26]. Strategic Focus - The company aims to focus on small and medium enterprises and deepen its presence in the Haixi region, aligning with national policies[16]. - The total number of common shareholders at the end of the reporting period was 62,303[11].