证券代码：601187 证券简称：厦门银行 公告编号：2025-026 厦门银行股份有限公司 关于召开2024年度股东大会的通知 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： 召开地点：厦门市湖滨北路 101 号商业银行大厦 A603 会议室 至2025 年 6 月 3 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9:15-9:25,9:30-11:30，13:00-15:00；通过 互联网投票平台的投票时间为股东大会召开当日的 9:15-15:00。 不涉及 序号 议案名称 A 股股东 非累积投票议案 告的议案 告的议案 要的议案 的议案 的议案 决定 2025 年中期利润分配方案的议案 的议案 预计额度的议案 本次股东大会将听取以下报告： 上述议案已经公司 2025 年 4 月 28 日第九届董事会第十八次会议和第九届监 事会第十一次会议、2025 年 5 月 12 日第九届董事会第十九次会议和第九届 监事会第十二次会议审议通过，详见公司在上海证 ...

厦门银行股份有限公司 证券代码：601187 证券简称：厦门银行 公告编号：2025-026 关于召开2024年度股东大会的通知 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： 一、 召开会议的基本情况 (一) 股东大会类型和届次 2024年度股东大会 召开的日期时间：2025 年 6 月 3 日 14 点 30 分 召开地点：厦门市湖滨北路 101 号商业银行大厦 A603 会议室 股东大会召开日期：2025年6月3日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 (二) 股东大会召集人：董事会 (三) 投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相结 合的方式 (四) 现场会议召开的日期、时间和地点 (五) 网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2025 年 6 月 3 日 至2025 年 6 月 3 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段， ...

第九届监事会第十二次会议决议公告 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"）第九届监事会第十二次会议通 知于 2025 年 5 月 6 日以电子邮件方式发出，会议于 2025 年 5 月 12 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。 与会监事对议案进行了审议，形成如下决议： 证券代码：601187 证券简称：厦门银行 公告编号：2025-025 审议并通过《厦门银行股份有限公司关于 2025 年度财务预算方案的议案》 表决结果：以 6 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 本次会议还听取了《厦门银行股份有限公司关于召开 2024 年度股东大会的 报告》。 厦门银行股份有限公司监事会 2025 年 5 月 12 日 本议案尚需提交公 ...

证券代码：601187 证券简称：厦门银行 公告编号：2025-024 厦门银行股份有限公司 第九届董事会第十九次会议决议公告 本议案尚需提交公司股东大会审议。 二、审议并通过《厦门银行股份有限公司关于聘任副行长的议案》 表决结果：以 13 票赞成，0 票反对，0 票弃权获得通过。 同意聘任张秋发为副行长，任期至第九届董事会届满之日止。简历详见附件。 本议案已经公司第九届董事会提名与薪酬委员会审议通过。独立董事对本议 案发表了同意的独立意见。 张秋发副行长的任职资格尚需报请监管部门核准。 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"）第九届董事会第十九次会议通 知于 2025 年 5 月 6 日以电子邮件方式发出，会议于 2025 年 5 月 12 日在厦门以 现场会议方式召开，由洪枇杷董事长召集并主持。本次会议应出席的董事 13 人， 亲自出席会议的董事 13 人。公司监事及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 ...

Core Viewpoint - The performance of listed companies in Xiamen demonstrates strong profitability and growth potential, contributing significantly to the stability of the regional economy, with 68 companies achieving a combined net profit of 3.816 billion yuan in Q1 2025 [2]. Group 1: Financial Performance - 68 listed companies in Xiamen reported a total net profit of 3.816 billion yuan in Q1 2025, with 62 companies profitable, representing over 90% [2]. - 38 companies experienced year-on-year profit growth, accounting for nearly 60% of the total [2]. - 17 companies reported profits exceeding 100 million yuan, highlighting the strong financial performance of the Xiamen market [2]. Group 2: Top Performing Companies - Xiamen Bank led with a net profit of 645 million yuan, with management expecting a gradual increase in return on investment (ROI) throughout the year [9]. - Jianfa Co. achieved a net profit of 584 million yuan, with total revenue reaching 143.773 billion yuan, a year-on-year increase of 9.47% [9]. - Yilian Network reported a net profit of 562 million yuan, with total revenue of 1.205 billion yuan, reflecting a year-on-year growth of 3.57% [9]. Group 3: Emerging Industries - Weike Technology's revenue reached 539 million yuan, a year-on-year increase of 64.37%, with net profit doubling to 77.3928 million yuan [11]. - Tebao Bio's revenue was 673 million yuan, up 23.48%, with a net profit of 182 million yuan, reflecting a 41.40% increase [12]. - Huamao Technology reported revenue of 537 million yuan, a 14.37% increase, with net profit rising by 60.34% to 86.4219 million yuan [12]. Group 4: Strategic Developments - Xiamen Xiangyu's net profit was 509 million yuan, a year-on-year increase of 24.88%, supported by improved risk management and financial structure [10]. - Companies are enhancing profitability through upstream and downstream integration and optimizing product structures, with Weike Technology focusing on high-performance precision molds for emerging industries [12].

2025 年 5 月 7 日 本次活动将采用网络远程的方式举行，投资者可登录"全景路演"网站 （http://rs.p5w.net），或关注微信公众号：全景财经，或下载全景路演 APP, 参与本次互动交流，活动时间为 2025 年 5 月 15 日（周四）15：40-17:00。届时 公司部分董事及高管将在线就公司 2024 年度业绩、公司治理、发展战略、经营 状况、融资计划和可持续发展等投资者关心的问题，与投资者进行沟通与交流， 欢迎广大投资者踊跃参与。 特此公告。 厦门银行股份有限公司董事会 证券代码：601187 证券简称：厦门银行 公告编号：2025-023 厦门银行股份有限公司 关于参加厦门辖区上市公司 2024 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 担法律责任。 为进一步加强与投资者的互动交流，厦门银行股份有限公司（以下简称"公 司"）将参加由厦门证监局、厦门上市公司协会与深圳市全景网络有限公司联合 举办的"厦门辖区上市公司 2024 年年报业绩说明会 ...

Group 1: Core Insights - Xiamen Bank is implementing a "2+3" five-year development strategy focusing on short, medium, and long-term goals, emphasizing market segmentation, asset growth, and customer management [1] - The bank's total assets surpassed 400 billion yuan by the end of 2024, with operating income of 5.76 billion yuan and net profit of 2.59 billion yuan, maintaining stable performance [1] - The bank's management expressed confidence in the long-term sustainability of positive factors despite short-term performance fluctuations [3] Group 2: Interest Margin Management - Xiamen Bank anticipates stabilization and potential improvement in net interest margin (NIM) this year, with NIM contributing over 70% to operating income [2] - The bank has reduced the average scale of low-yield notes by 12.62% and decreased high-interest deposits, leading to a 30 basis points decline in deposit cost rate year-on-year [2] - The bank expects NIM to stabilize this year, with improvements anticipated as deposit costs continue to decline [2] Group 3: Performance Fluctuations - In Q1 2024, Xiamen Bank reported operating income of 1.214 billion yuan and net profit of 650 million yuan, reflecting some volatility [3] - The decline in revenue was primarily due to decreased investment-related income and tighter interbank liquidity, impacting the fair value of bond assets [3] - Despite a decrease in net interest income due to narrowing interest margins, management is optimistic about recovery [3] Group 4: Loan and Deposit Growth - In Q1 2024, Xiamen Bank's total deposits and general loan scales grew by 3.4% and 2.8%, respectively, marking a significant achievement in traditional business growth [4] - The bank plans to increase general corporate loans in the coming quarters, focusing on high-yield and high-quality sectors [4] - The bank's corporate loan growth is expected to exceed last year's total by the first half of 2025 [4] Group 5: Asset Quality Management - Xiamen Bank's non-performing loan (NPL) ratio decreased to 0.74% by the end of 2024, with a non-performing loan balance of 1.512 billion yuan, indicating strong asset quality [5] - The bank is managing credit risks effectively, particularly in high-risk sectors like real estate, with a focus on maintaining a high provision coverage ratio [6] - The bank's management remains confident in asset quality for 2025, despite some short-term pressures [7] Group 6: Cross-Strait Financial Services - Xiamen Bank has seen significant growth in cross-strait financial services, with a nearly 20% increase in Taiwan enterprise clients and a 17% increase in Taiwan resident clients by the end of 2024 [7] - The bank aims to enhance its coverage of Taiwan enterprises and residents, recognizing their substantial contribution to overall business [7] - The bank plans to expand its financial services to supply chain financing for Taiwan businesses beyond the current regions [7]

Core Insights - Xiamen Bank reported a significant decline in both revenue and profit for Q1 2025, with operating income down 18.4% year-on-year to 1.21 billion yuan and net profit down 14.2% to 645 million yuan, primarily due to a drop in investment income [1][4][5] Financial Performance - In 2024, Xiamen Bank achieved operating income of 5.759 billion yuan, a year-on-year increase of 2.79%, and a total profit of 2.735 billion yuan, up 3.54% [1] - The bank's non-interest income rose significantly by 37.45% to 1.754 billion yuan [1] - The net interest margin for 2024 was reported at 1.13%, a decrease of 15 basis points, but the decline was less severe compared to previous years [2][4] Asset Quality - As of the end of 2024, the non-performing loan (NPL) balance was 1.512 billion yuan, down 90 million yuan from the previous year, with an NPL ratio of 0.74%, a decrease of 0.02 percentage points [1][6] - The bank's provision coverage ratio stood at 391.95%, indicating strong risk mitigation capabilities [1] Challenges and Strategies - The decline in revenue and profit is attributed to a general downtrend in interest rates affecting the bank's income, as interest income constitutes over 70% of total revenue [2][3] - The bank plans to stabilize its net interest margin by optimizing its asset structure and controlling funding costs, focusing on increasing the proportion of corporate loans [2][3] - Xiamen Bank has seen a growth in total loans and deposits, with total loans reaching 210.578 billion yuan, up 2.49% year-on-year, and deposits increasing by 3.37% to 221.376 billion yuan [4][5] Risk Management - The bank's management acknowledges that while corporate loan quality has improved, personal loan quality is under pressure due to economic slowdown and falling property prices, leading to an increase in personal loan NPL ratio to 1.25% [6][7] - The bank is actively managing risks by enhancing post-loan monitoring and increasing efforts to recover non-performing assets [6][7]

Investment Rating - The report maintains a positive outlook on the banking sector, highlighting it as a low-volatility dividend play in a counter-cyclical environment and a strong performer in absolute returns during a pro-cyclical phase [6]. Core Insights - The first quarter of 2025 saw a decline in both revenue and net profit for listed banks, with revenue and net profit down 1.7% and 1.2% year-on-year, respectively. The main reasons for this decline were the expected decrease in interest margins and pressure from non-interest income [3][12]. - Loan growth has remained stable, with a year-on-year increase of 7.9% in the first quarter. Notably, banks in Jiangsu and Zhejiang, as well as Chengdu, continue to show strong economic performance, while Chongqing has emerged as a new growth area with loan growth exceeding 16% [3][4]. - The average net interest margin for listed banks was 1.54% in the first quarter, reflecting a slight quarter-on-quarter increase of 2 basis points, supported by a decrease in the cost of interest-bearing liabilities [4][12]. - The non-performing loan (NPL) ratio for listed banks decreased to 1.23%, with an estimated annualized NPL generation rate of approximately 0.63% [5][19]. - The report emphasizes the importance of focusing on high-dividend yield banks, particularly those with solid provisions and growth opportunities in favorable policy environments [6][19]. Summary by Sections Performance Overview - The first quarter of 2025 saw a significant impact from the decline in interest margins and non-interest income, leading to a negative growth in both revenue and profit for listed banks [10][12]. - The report indicates that the performance of state-owned banks was below expectations, while city and rural commercial banks generally met expectations [3][19]. Loan and Credit Analysis - Loan growth has been stable, with a year-on-year increase of 7.9% in the first quarter. The report highlights that the demand for loans from small and medium-sized enterprises has weakened, affecting the growth rates of rural commercial banks [3][4]. Interest Margin and Cost Analysis - The report notes that the average net interest margin for listed banks improved slightly, with a quarter-on-quarter increase attributed to a reduction in the cost of interest-bearing liabilities [4][12]. Asset Quality and Risk Management - The NPL ratio for listed banks decreased to 1.23%, with proactive measures taken to manage and dispose of non-performing assets [5][19]. - The report indicates that the retail sector is experiencing some risk exposure, but overall asset quality remains stable [5][19]. Investment Recommendations - The report recommends focusing on banks with high dividend yields and solid fundamentals, particularly those that are well-positioned to benefit from favorable policy changes [6][19].

Investment Rating - The report indicates a cautious outlook for the banking sector, with expectations of continued narrowing of interest margin declines due to improved cost management on the liability side [5]. Core Insights - The overall revenue and profit growth rates for listed banks in Q1 2025 were -1.7% and -1.2%, respectively, showing a widening decline compared to 2024 [4]. - Net interest income decreased by 1.7% year-on-year, influenced by factors such as loan repricing and lower new loan rates, but the decline in interest margins is expected to continue to narrow [4][5]. - The overall asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 238% [4]. Summary by Sections 1. Performance Overview - Listed banks' overall revenue and profit growth rates for Q1 2025 were -1.7% and -1.2%, respectively, with declines expanding by 1.8 percentage points and 3.5 percentage points compared to 2024 [4]. - The net interest income saw a year-on-year decline of 1.7%, attributed to factors like loan repricing and intensified competition [4]. 2. Revenue Breakdown - Fee and commission income for listed banks decreased by 0.7% year-on-year, with the decline rate narrowing by 8.7 percentage points compared to 2024 [4]. - Other non-interest income fell by 3.2% year-on-year, primarily due to significant fluctuations in the bond market affecting fair value changes [4]. 3. Asset Quality - The non-performing loan ratio stood at 1.23%, slightly down by 1 basis point from the end of Q4 2024, while the provision coverage ratio was 238%, showing a slight decrease of 2 percentage points from the previous year [4]. 4. Future Outlook - The narrowing trend in interest margin declines is expected to continue, supported by improved management of liability costs and stable asset quality [5]. - The report anticipates that the overall profit growth for the year will maintain a trend of quarterly improvement [5].