1 证券代码：601187 证券简称：厦门银行 公告编号：2021-027 厦门银行股份有限公司 关于参加 2021 年度厦门辖区上市公司 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：2021 年 9 月 7 日（星期二）15:00-17:00 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。 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、厦门上市公司协会和全景网联合举办的"2021 年度厦门辖 区上市公司投资者网上集体接待日"活动，现将有关事项公告如下： 一、活动召开时间、地点 1、召开时间：2021 年 9 月 7 日（星期二）15:00-17:00。 2、召开方式：本次活动将采用线上方式举行，投资者可于 2021 年 9 月 7 日 ...

Financial Performance - Operating income for the first half of 2021 was CNY 2,415,742 thousand, a decrease of 10.89% compared to CNY 2,710,928 thousand in the same period of 2020[22] - Operating profit increased to CNY 1,156,218 thousand, representing a growth of 25.18% from CNY 923,649 thousand year-on-year[22] - Total profit for the first half of 2021 reached CNY 1,160,072 thousand, up 25.32% from CNY 925,696 thousand in the previous year[22] - Net profit attributable to shareholders of the parent company was CNY 1,070,505 thousand, reflecting a 12.61% increase from CNY 950,663 thousand in the same period last year[22] - Net profit attributable to shareholders of the parent company after deducting non-recurring gains and losses was CNY 1,066,791 thousand, up 12.43% from CNY 948,824 thousand year-on-year[22] - Basic earnings per share for the first half of 2021 was 0.41 RMB, a 2.50% increase from 0.40 RMB in the same period of 2020[26] - The company reported a total of 3,713 thousand RMB in non-recurring gains for the first half of 2021, compared to 1,839 thousand RMB in the same period of 2020[30] Cash Flow and Capital Management - Net cash flow from operating activities was negative CNY 20,788,816 thousand, compared to a positive CNY 1,987,475 thousand in the same period of 2020[22] - The company did not distribute profits or implement capital reserve transfers to increase share capital during the reporting period[5] - The registered capital of the company is CNY 2,639,127,888[21] - The company issued CNY 1.5 billion of perpetual capital bonds, included in other equity instruments[141] Asset and Liability Management - Total assets increased to 307.42 billion RMB, up 7.81% from the beginning of the period[24] - Total customer loans and advances reached 161.40 billion RMB, reflecting a growth of 14.76%[24] - Total deposits rose to 173.93 billion RMB, an increase of 12.77% compared to the previous period[24] - The total liabilities reached RMB 285.43 billion, an increase of 7.52% compared to the end of the previous year[117] - The total equity stood at RMB 21.98 billion, reflecting an 11.75% growth year-on-year[117] Risk Management - The company has taken measures to effectively manage and control various operational risks, including credit, liquidity, market, operational, information technology, and reputational risks[6] - The non-performing loan ratio improved to 0.92%, down 0.06 percentage points from 0.98%[29] - The capital adequacy ratio stood at 14.41%, a decrease of 0.08 percentage points from the end of 2020[29] - The liquidity ratio decreased to 77.29% from 86.06% at the end of 2020[31] - The company has implemented various channels for the disposal of non-performing assets, achieving efficient and compliant resolution of risk assets[195] Business Development and Strategy - The company plans to enhance its retail banking services, focusing on customer experience and digital technology to support small and micro enterprises[45] - The company aims to strengthen its corporate banking services by optimizing its business structure and supporting the real economy[46] - The company launched various innovative microcredit products, including entrepreneurial mortgage loans and tax e-loans, to support small and micro enterprises[51] - The company optimized its approval process for microcredit, achieving online automation for credit applications, loan approvals, and risk control, significantly enhancing operational efficiency[52] - The company has established a "Yuexiang Series" value-added service system to meet diverse customer needs[69] Customer and Market Engagement - The company added 738 new cash management effective accounts, with electronic channel transaction volume exceeding 3 million transactions and total amount surpassing 750 billion yuan, showing significant growth compared to the previous year[56] - The company’s wealth management business grew rapidly, managing personal customer financial assets of 71.156 billion yuan, an increase of 9.331 billion yuan or 15.10% year-on-year[63] - The company’s personal loan scale reached 59.186 billion yuan, growing by 5.674 billion yuan or 10.60% year-on-year, with personal loans accounting for 36.67% of the total[66] - The company has developed a series of services for Taiwanese businesses, including cross-strait mortgage financing and rapid remittance services[80] Operational Efficiency - The company has established a data empowerment department to enhance data analysis and marketing capabilities, focusing on discovering potential customer opportunities[61] - The company has developed 7 robotic products through the digital employee project, saving approximately 8,900 hours of labor, with an additional 29 robotic products under development[190] - The overall availability of production systems reached over 99.999%, ensuring stable operations during key events[190] Financial Market Activities - The company’s financial market business executed approximately CNY 1.69 trillion in money market repurchase transactions[75] - The company achieved a 105.2% year-on-year increase in financial market client business transaction volume[78] - The average daily deposits from Taiwanese enterprises increased by 76% compared to the end of the previous year[80] Technology and Innovation - The company has established three technology teams to support its new three-year strategic plan, enhancing its technological capabilities[187] - The company has completed the initial version of the enterprise-level data standard 2.0, promoting data quality governance and compliance with regulatory requirements[191]

Financial Performance - The net profit attributable to shareholders of the parent company was RMB 538.21 million, representing a year-on-year growth of 5.37%[7]. - Basic earnings per share were RMB 0.20, a decline of 9.09% compared to the previous year[7]. - Net profit for Q1 2021 was RMB 528,654 thousand, compared to RMB 498,428 thousand in Q1 2020, marking a growth of 6.1%[73]. - Total profit for Q1 2021 reached RMB 562,244 thousand, up 13.4% from RMB 495,603 thousand in Q1 2020[73]. - Net profit attributable to minority shareholders increased by 50.73% to CNY 467,827 thousand in Q1 2021 compared to CNY 310,366 thousand in Q1 2020[23]. - In Q1 2021, Xiamen Bank reported a total comprehensive income of RMB 485,106 thousand, a decrease of 39.6% from RMB 804,742 thousand in Q1 2020[58]. - The bank's total comprehensive income for Q1 2021 was RMB 471,411 thousand, down from RMB 786,650 thousand in Q1 2020, reflecting a decrease of 40%[73]. Asset and Liability Management - As of March 31, 2021, total assets reached RMB 286.58 billion, a 0.50% increase from the end of 2020[7]. - Total assets increased to CNY 286,575,786 thousand as of March 31, 2021, compared to CNY 285,150,280 thousand at the end of 2020, reflecting a growth of 0.5%[32]. - The bank's total assets as of March 31, 2021, were RMB 279,629,466 thousand, slightly up from RMB 279,479,126 thousand at the end of 2020[67]. - Total liabilities decreased slightly to CNY 264,762,919 thousand from CNY 265,476,651 thousand[32]. - The total liabilities as of March 31, 2021, were ¥264,762,919 thousand, slightly down from ¥265,476,651 thousand at the end of 2020[52]. - The bank's total liabilities decreased to RMB 258,439,393 thousand from RMB 260,259,596 thousand at the end of 2020[70]. Loan and Deposit Activity - Customer loans and advances totaled CNY 149,960,536 thousand, up from CNY 140,646,890 thousand, representing a growth of 6.9%[32]. - The bank's total deposits decreased to CNY 145,411,497 thousand from CNY 154,237,929 thousand, a decline of 5.3%[32]. - The net increase in loans and advances was RMB 136,376,694 thousand, up from RMB 129,414,901 thousand at the end of 2020[67]. Risk Management - The non-performing loan ratio remained stable at 0.98%, unchanged from the beginning of the year[18]. - The provision coverage ratio stood at 350.30%, indicating sufficient risk compensation[18]. - The provision coverage ratio decreased to 350.30% from 368.03%[44]. - The leverage ratio increased to 6.33% as of March 31, 2021, compared to 5.70% at the end of 2020[41]. Income and Cash Flow - Operating income for the first quarter was RMB 1.16 billion, a decrease of 16.68% compared to the same period in 2020[7]. - Operating income for Q1 2021 was RMB 1,071,060 thousand, a decrease of 19% compared to RMB 1,322,163 thousand in Q1 2020[73]. - The net interest income for Q1 2021 was ¥1,012,515 thousand, compared to ¥925,998 thousand in Q1 2020[55]. - Interest, fees, and commissions received amounted to RMB 2,110,625 thousand, an increase from RMB 1,295,976 thousand in Q1 2020[61]. - The bank's interest income rose to RMB 2,495,680 thousand, an increase of 7.5% from RMB 2,320,109 thousand in Q1 2020[73]. - The bank's investment activities generated a net cash flow of RMB 3,380,005 thousand in Q1 2021, compared to RMB 1,040,800 thousand in the same period last year[63]. - The net cash flow from operating activities was negative RMB 20,282,299 thousand, compared to negative RMB 7,938,094 thousand in the same period last year[61]. - The bank's cash flow from operating activities showed a net outflow of RMB 19,303,644 thousand, worsening from a net outflow of RMB 7,833,218 thousand in the same period last year[76]. - Cash flow from financing activities generated a net inflow of RMB 8,004,527 thousand, compared to a net outflow of RMB 345,897 thousand in Q1 2020[79]. Capital and Equity - The equity attributable to shareholders of the parent company increased by 10.23% to RMB 21.35 billion compared to the end of 2020[7]. - The bank's equity increased to CNY 21,812,867 thousand from CNY 19,673,630 thousand, reflecting an increase of 10.9%[35]. - The bank's total equity increased to RMB 21,190,073 thousand from RMB 19,219,530 thousand at the end of 2020[70]. - Core Tier 1 capital ratio decreased to 10.94% from 11.34% year-over-year[36].

Financial Performance - The company's operating income for 2020 was RMB 5,555,613, representing a 23.20% increase compared to RMB 4,509,326 in 2019[28]. - The net profit attributable to shareholders of the parent company for 2020 was RMB 1,822,567, an increase of 6.53% from RMB 1,710,854 in 2019[28]. - Total assets as of December 31, 2020, reached RMB 285,150,280, reflecting a 15.51% increase from RMB 246,867,556 at the end of 2019[28]. - The total amount of customer loans and advances increased by 30.02% to RMB 140,646,890 in 2020 from RMB 108,169,574 in 2019[28]. - The company's total liabilities increased by 14.78% to RMB 265,476,651 in 2020 from RMB 231,295,140 in 2019[30]. - The company's basic earnings per share for 2020 was RMB 0.75, up 4.17% from RMB 0.72 in 2019[30]. - The company reported a significant increase in the net profit attributable to shareholders in Q4 2020, amounting to RMB 568,368,000, compared to RMB 303,537,000 in Q3 2020[34]. - The company achieved an operating income of 55.56 billion RMB, an increase of 10.46 billion RMB, representing a growth of 23.20% year-on-year[93]. - The net profit attributable to shareholders was 18.23 billion RMB, an increase of 1.12 billion RMB, reflecting a growth of 6.53% year-on-year[93]. Asset and Liability Management - The company's total assets reached CNY 285.15 billion, an increase of 15.51% compared to the previous year[61]. - The total liabilities amounted to RMB 265.48 billion, reflecting a growth of 14.78% year-on-year[115]. - The company's equity increased to RMB 19.67 billion, a growth of 26.34% year-on-year[115]. - The company's total debt securities increased from RMB 3.156 billion in 2019 to RMB 9.126 billion in 2020, an increase of 189.56%[140]. - The company's buy-back financial assets amounted to RMB 111.07 billion, reflecting a growth of 26.71% from the previous year[130]. Credit and Risk Management - The company has implemented effective risk management measures to address various operational risks, including credit and liquidity risks[6]. - The non-performing loan ratio improved to 0.98% as of December 31, 2020, down from 1.18% at the end of 2019, a decrease of 0.20 percentage points[33]. - The company reported a loan loss provision of RMB 1,638,004 thousand for the period, increasing the total provision to RMB 5,081,545 thousand by the end of the reporting period[178]. - The company’s non-performing loan management strategies included strict credit approval processes and enhanced monitoring of asset quality[176]. - The company has implemented a "5+1 defense line" for credit risk management, focusing on optimizing credit structure and enhancing risk control capabilities[193]. Dividend and Shareholder Returns - The board proposed a cash dividend of RMB 1.80 per 10 shares (including tax) to all registered ordinary shareholders, pending approval at the annual general meeting[4]. Strategic Initiatives and Market Position - The strategic vision for 2021 focuses on enhancing services for small and medium-sized enterprises and deepening financial cooperation across the Taiwan Strait[14]. - Xiamen Bank aims to leverage its listing opportunity to enhance capital market engagement, targeting growth in scale and quality[14]. - The company has established a comprehensive cross-strait financial business system, focusing on personal, corporate, and interbank services since 2008, leveraging its strategic partnership with Fubon Bank (Hong Kong) to enhance its market position[48]. - The company has established a specialized service organization for Taiwanese enterprises, enhancing its competitive edge in cross-strait financial services[48]. Product and Service Development - Xiamen Bank launched various financial products to support small and micro enterprises during the pandemic, including epidemic prevention bonds and relief loans[10]. - The company has developed a robust product system for small and micro enterprises, addressing their financing challenges and offering flexible terms and diverse repayment methods, which has cultivated a loyal customer base[50]. - The company launched various loan products, including "Tax e Loan" and "Enterprise Tax e Loan," to support small and micro enterprises, enhancing digital and mobile loan processing capabilities[79]. - The company focused on enhancing its wealth management digital capabilities, achieving a full-channel sales platform for wealth products during the reporting period[78]. Technology and Innovation - The company is committed to integrating financial technology into its operations, focusing on customer-centric digital solutions to improve service efficiency and reduce operational costs[52]. - The company has actively pursued new technology research, including artificial intelligence and cloud computing, to enhance operational efficiency[190]. - The company’s digital transformation initiatives included the development of a new cash management system and the automation of international business operations[189]. Awards and Recognition - The company has received multiple awards, including the "2020 Excellent Institution for Serving Small and Micro Enterprises" from Xiamen's financial authorities, highlighting its commitment to community support[55]. - The company has been recognized as one of the "Top 100 Self-Operated Institutions" by the Central Government Bond Registration and Settlement Co., Ltd., showcasing its strong market presence[56]. - The company achieved significant accolades in the financial technology sector, including a silver award for its mobile banking platform at the 2020 China Financial Technology Innovation Competition[59].