Core Viewpoint - Xiamen Bank reported its first increase in revenue without profit growth in nearly a decade for the year 2024, with operating income rising by 2.79% but net profit declining by 1.69% [2][3] Financial Performance - In 2024, Xiamen Bank achieved operating income of 5.759 billion yuan, an increase of 2.79% year-on-year, while net profit was 2.706 billion yuan, a decrease of 1.69% compared to 2023 [3][4] - The decline in net profit was primarily attributed to a decrease in net interest income, which fell by 322 million yuan, or 7.43%, to 4.005 billion yuan [4][6] - Investment income saw a significant increase of 121.14%, amounting to 1.026 billion yuan, contributing positively to the overall performance [4][5] Revenue Composition - The main factor dragging down revenue was the decline in net interest income due to lower average loan yields influenced by LPR rate cuts and policy adjustments [4][6] - Non-interest income rose by 37.45% to 1.754 billion yuan, driven by strong investment returns [4][5] Asset Quality and Risk Management - Xiamen Bank reported an increase in loan impairment losses, totaling 701 million yuan, up 7.93% year-on-year [6][7] - The bank's non-performing loan ratio improved to 0.74%, a decrease of 0.02 percentage points from the previous year, indicating overall asset quality stability [7] - However, the amount of loans under special attention increased significantly, raising concerns about potential future risks [7] Market Reaction and Future Outlook - Following the earnings report, Xiamen Bank's stock price fell by 4.05%, closing at 5.92 yuan per share [8] - To boost investor confidence, the bank announced plans for key executives to collectively increase their holdings by no less than 964,000 yuan [8]

"银行业'低利率、低息差'情况持续存在，我行也步入了战略转型的关键周期。"厦门银行董事长洪枇杷在日前召 开的2024年度业绩说明会上表示。 "稳""进""立"的考量 "这段时间，我对厦门银行的历史和现状有了更深入的了解，也在不断思考如何走好我们的'未来之路'。"洪枇杷开篇 表示。 他认为，如何挖掘、实现和展示厦门银行的内在价值，是"新课题"。对此，既要保持战略定力，也要确保战略与时 俱进、顺势微调。 在该行正在构建的"2+3"五年发展战略规划中，洪枇杷将主题锁定为"稳""进""立"，这既是自身发展需要，更是对中 央经济工作会议精神的贯彻落实。其中： "稳"是根本，是全局。要巩固"稳"的基础，做到站位更稳、效益更稳、风控更稳，让各方对厦门银行更放心、更有 信心。 "下阶段，我们将围绕'稳规模'和'优结构'，资负两端发力做好息差管控，推动净息差指标止跌企稳，变动趋势优于 大市。"洪枇杷称。 这是"70后"洪枇杷年初履新后首次亮相资本市场。此前他长期供职于兴业银行，从支行普通员工做起，先后掌舵多 家省内分行，对福建区域情况熟稔于心。 在他看来，形势越是多变，越需要战略引领，以战略的确定性应对外部的不确定性。 据透露 ...

Core Viewpoint - Xiamen Bank reported its 2024 annual report and 2025 Q1 report, showing a mixed performance with total assets increasing but a decline in net profit and operating income in Q1 2025 compared to the previous year [2][3]. Financial Performance - As of the end of 2024, Xiamen Bank's total assets reached 407.795 billion yuan, a 4.39% increase year-on-year; operating income was 5.759 billion yuan, up 2.79%; and total profit was 2.735 billion yuan, a 3.54% increase [2]. - For Q1 2025, the bank's operating income was 1.214 billion yuan, a decrease of 18.42% year-on-year, primarily due to tightening interbank liquidity and a reduction in net interest income [3]. Deposit and Loan Trends - By the end of 2024, corporate deposits decreased by 6.4% to 1,228.07 billion yuan, while personal deposits increased by 22.8% to 824.55 billion yuan, indicating a shift in deposit structure [4][5]. - The total loans and advances as of the end of 2024 were 205.455 billion yuan, a decrease of 2.02% from the previous year, with corporate loans increasing by 9.25% while personal loans decreased by 6.60% [11][12]. Fee and Commission Income - In 2024, fee and commission income was 5.851 billion yuan, down 12.92% from the previous year, with significant declines in various segments, particularly in wealth management, which saw a drop of 45.63% [8][10]. Risk Management and Loan Quality - The bank's liquidity ratio was 77.83% at the end of 2024, down from 81.38% in 2023, indicating a slight decline in liquidity but still within a reasonable range [16][18]. - The migration rates for normal and substandard loans increased, suggesting a deterioration in loan quality, particularly in substandard and doubtful loans [17]. Customer Base and Market Position - Xiamen Bank's wealth management customer base grew to 197,800, an increase of 12.61% year-on-year, reflecting an improvement in customer quality [18][19]. - The bank has focused on enhancing services for Taiwanese enterprises, with a 19% increase in Taiwanese corporate clients and a 21% increase in credit accounts [15].

Core Viewpoint - Xiamen Bank has demonstrated steady growth and robust financial performance in 2024, supported by a clear strategic positioning and solid risk management framework [1][2]. Financial Performance - In 2024, Xiamen Bank achieved operating income of 5.759 billion yuan, a year-on-year increase of 2.79% [1] - Non-interest net income reached 1.754 billion yuan, up 37.45% year-on-year, indicating an optimized revenue structure [1] - Total profit amounted to 2.735 billion yuan, reflecting a 3.54% increase compared to the previous year [1] - By the end of 2024, total assets reached 407.795 billion yuan, growing 4.39% year-on-year [1] - Total liabilities were 375.426 billion yuan, a 4.24% increase from the previous year [1] - Total loans and advances stood at 205.455 billion yuan, while total deposits reached 214.156 billion yuan, up 3.17% year-on-year [1] Asset Quality - The non-performing loan (NPL) ratio improved to 0.74%, a decrease of 0.02 percentage points from the previous year [2] - The NPL ratio for corporate loans was 0.51%, down 0.58 percentage points since the beginning of the year [2] - The provision coverage ratio reached 391.95%, indicating strong risk mitigation capabilities [2] Dividend Policy - The bank proposed a total cash dividend distribution of 818 million yuan for 2024, with a cash dividend ratio of 31.53%, an increase of 0.83 percentage points from 2023 [2] - Xiamen Bank has maintained a stable and high dividend payout, with a cash dividend rate exceeding 30% for four consecutive years from 2021 to 2024 [2] Strategic Focus - Xiamen Bank is committed to supporting the real economy, with increased financial support for key areas such as technology innovation, green finance, and inclusive finance [3][4] - The bank's technology finance loan balance reached 11.967 billion yuan, growing 33.69% year-on-year [4] - Green credit balance was 13.070 billion yuan, up 61.96% from the beginning of the year [4] - Inclusive small and micro loans amounted to 73.293 billion yuan, with a 19.85% increase in medium and long-term manufacturing loans [4] Retail Business Development - The bank's personal financial assets reached 109.011 billion yuan, a 12.07% increase year-on-year [5] - Personal deposits surpassed 80 billion yuan, reaching 82.455 billion yuan, up 22.79% from the previous year [5] - The number of retail customers grew to 2.6993 million, reflecting a 5.37% increase [5]

Core Insights - The article highlights the journey of a young Taiwanese professional, Chen Jiaxuan, who transitioned from being a novice in finance to becoming a capable employee at Xiamen Bank in Zhangzhou, showcasing the opportunities for Taiwanese youth in mainland China's financial sector [1][2]. Group 1: Company Overview - Xiamen Bank is the first city commercial bank in mainland China with Taiwanese capital, focusing on financial services tailored for Taiwanese businesses [1]. - The Zhangpu branch of Xiamen Bank specializes in providing customized financial services to Taiwanese merchants and enterprises in the region, which is a significant area for Taiwanese investment [1]. Group 2: Industry Context - Zhangpu County is a key area for Taiwanese investment, housing the Taiwan Farmers' Entrepreneurship Park, one of the first national-level parks established for Taiwanese entrepreneurs in mainland China [1]. - The article emphasizes the robust development of the bicycle industry in Zhangpu, attributed to the long-term efforts of Taiwanese businesses in the area [1].

本行部分董事、监事、高级管理人员自愿增持计划所需的资金来源为自 有资金，不存在因所需资金不到位而导致增持计划无法实施的风险。 近日，本行收到部分董事、监事、高级管理人员拟通过上海证券交易所交 易系统集中竞价交易方式自愿增持本行股份的通知。现将有关情况公告如下： 一、增持计划 1、增持主体： 证券代码：601187 证券简称：厦门银行 公告编号：2025-020 厦门银行股份有限公司 关于部分董事、监事、高级管理人员自愿增持股份计 划的公告 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。 重要内容提示： 厦门银行股份有限公司（以下简称"本行"）部分董事、监事、高级管 理人员计划拟通过上海证券交易所交易系统集中竞价交易方式，以不低于上一年 度从本行取得税后薪酬总额的 10%主动增持本行股份，即合计增持金额不低于人 民币 96.40 万元。 董事：洪枇杷、吴昕颢； 8、资金来源：增持主体的自有资金。 监事：王建平、周晓红； 非董事的高级管理人员：刘永斌、庄海波、郑承满、谢彤华、周迪祥、陈 松。 （上述人士以下合称为" ...

厦门银行股份有限公司 2024年度内部控制评价报告 厦门银行股份有限公司全体股东： 根据《企业内部控制基本规范》及其配套指引的规定和其他内部控制监管要求（以下简称企业内部 控制规范体系），结合厦门银行股份有限公司（以下简称公司）内部控制制度和评价办法，在内部控制 日常监督和专项监督的基础上，我们对公司2024年12月31日（内部控制评价报告基准日）的内部控制有 效性进行了评价。 一. 重要声明 公司代码：601187 公司简称：厦门银行 按照企业内部控制规范体系的规定，建立健全和有效实施内部控制，评价其有效性，并如实披露内 部控制评价报告是公司董事会的责任。监事会对董事会建立和实施内部控制进行监督。经理层负责组织 领导企业内部控制的日常运行。公司董事会、监事会及董事、监事、高级管理人员保证本报告内容不存 在任何虚假记载、误导性陈述或重大遗漏，并对报告内容的真实性、准确性和完整性承担个别及连带法 律责任。 公司内部控制的目标是合理保证经营管理合法合规、资产安全、财务报告及相关信息真实完整，提 高经营效率和效果，促进实现发展战略。由于内部控制存在的固有局限性，故仅能为实现上述目标提供 合理保证。此外，由于情况的变 ...

厦门银行股份有限公司 三、审核与监督定期报告和财务信息，确保数据真实完整准确。 2024 年，委员会认真审议听取了 2023 年年度报告、2023 年年度审计报告、 2024 年第一季度报告、2024 年半年度报告、2024 年第三季度报告以及年度管理 建议书等议案报告。在审议过程中，委员会注重就财务报告信息的真实性、完整 性和准确性发表意见。同时，委员会关注公司经营管理状况，针对报告提出有针 对性的意见和建议，持续加强定期报告监督，严格执行会计准则，把好审计质量 关，进一步提升信息披露质量。 2024 年，委员会定期开展外审沟通，对审计时间安排、关键审计事项、审 计结果、管理建议等与外部审计机构进行充分沟通，督促外部审计机构诚实守信、 勤勉尽责，严格遵守业务规则和行业自律规范，严格执行内部控制制度，对公司 财务会计报告进行核查验证，履行特别注意义务，对外部审计机构专业性、独立 性等进行多维度监督，就财务会计报告的真实性、准确性和完整性发表意见。同 时，委员会认为安永华明会计师事务所（特殊普通合伙）为符合《证券法》规定 的会计师事务所，在专业胜任能力、投资者保护能力、诚信状况和独立性等方面 能够满足为公司提供 ...

证券代码：601187 证券简称：厦门银行 公告编号:2025-019 厦门银行股份有限公司 关于 2025 年度日常关联交易预计额度的公告 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。 重要内容提示： 2025年4月28日，厦门银行股份有限公司（以下简称"公司"或"本行"） 第九届董事会第十八次会议审议通过了《厦门银行股份有限公司关于2025年度日 常关联交易预计额度的议案》，关联董事回避表决。该日常关联交易事项需提交 股东大会审议。 该日常关联交易事项对公司的持续经营能力、损益及资产状况不构成重 大影响，不会对关联方形成较大依赖。 一、日常关联交易基本情况 （一）日常关联交易履行的审议程序 2025 年 4 月 28 日，公司第九届董事会第十八次会议审议以 6 票同意，0 票 反对，0 票弃权通过了《厦门银行股份有限公司关于 2025 年度日常关联交易预 计额度的议案》，关联董事洪枇杷、李云祥、吴昕颢、王俊彦、陈欣慰、黄金典、 汤琼兰回避表决，本议案尚需提交股东大会审议。 独立董事专门会议意见：公司根据经 ...

厦门银行股份有限公司董事会审计委员会 本行董事会审计委员会委员查阅了安永华明关于专业胜任能力、投资者保护 能力、诚信状况和独立性等相关资料，认为其能够满足为本行提供审计服务的要 求。2024 年 4 月，本行第九届董事会审计委员会第三次会议审议通过了《厦门 银行股份有限公司关于聘请 2024 年度会计师事务所的议案》，同意将该议案提 1 交董事会审议。 对会计师事务所 2024 年度履行监督职责情况报告 根据《中华人民共和国公司法》《中华人民共和国证券法》《上市公司治理 准则》《国有企业、上市公司选聘会计师事务所管理办法》《上海证券交易所上 市公司自律监管指引第 1 号——规范运作》和《厦门银行股份有限公司章程》等 规定和要求，厦门银行股份有限公司（以下简称"本行"）董事会审计委员会本 着勤勉尽责的原则，恪尽职守，审慎履行对会计师事务所的监督职责，具体情况 如下： 一、会计师事务所基本情况 安永华明会计师事务所（特殊普通合伙）（以下简称"安永华明"）于 1992 年 9 月成立，2012 年 8 月完成本土化转制，从一家中外合作的有限责任制事务 所转制为特殊普通合伙制事务所。安永华明总部设在北京，注册地址为北 ...