Core Viewpoint - Xiamen Bank has announced a cash dividend distribution plan for its shareholders, with a specific payout amount and relevant dates for the distribution process [1][4]. Dividend Distribution Plan - The total share capital of Xiamen Bank is 2,639,127,888 shares, and the cash dividend per share is set at RMB 0.16 (including tax) [2][4]. - The key dates for the dividend distribution are as follows: - Record date: June 25, 2025 - Last trading date: June 26, 2025 - Ex-dividend date: June 26, 2025 [2][4]. Implementation Method - Cash dividends for A-share ordinary shareholders will be distributed through China Securities Depository and Clearing Corporation Limited, Shanghai Branch [2]. - Shareholders who have completed designated transactions can receive their cash dividends on the distribution date at their designated securities business department [2]. Taxation on Dividends - For individual shareholders and securities investment funds holding shares for less than or equal to one month, the actual tax burden is 20%, with the entire dividend included in taxable income [3]. - For shares held between one month and one year, the tax burden is reduced to 10%, with 50% of the dividend included in taxable income [3]. - For shares held for over one year, the dividend income is exempt from personal income tax [3]. - For qualified foreign institutional investors (QFII), a 10% withholding tax applies, resulting in a net dividend of RMB 0.144 per share [3][5]. Contact Information - For inquiries regarding the annual equity distribution, shareholders can contact the board office at Xiamen Bank at 0592-5060112 [5].

证券代码：601187 证券简称：厦门银行 公告编号：2025-028 厦门银行股份有限公司 2024年度股东大会决议公告 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。 | 1、出席会议的股东和代理人人数 | 400 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 1,795,878,571 | | 3、出席会议的股东所持有表决权股份数占公司有表决权股 | | | 份总数的比例（%） | 70.6892 | (四)表决方式是否符合《公司法》及《公司章程》的规定，大会主持情况等。 本次股东大会由公司董事会召集，洪枇杷董事长主持会议。本次股东大会采 取现场和网络投票相结合的方式，符合《公司法》和《公司章程》的规定。 (五)公司董事、监事和董事会秘书的出席情况 二、 议案审议情况 重要内容提示： 本次会议是否有否决议案：无 一、 会议召开和出席情况 (一)股东大会召开的时间：2025 年 6 月 3 日 (二)股东大会召开的地点：厦门市湖滨北路 101 号商业银行大厦 A603 会议室 (三 ...

| | | | 三、本次股东大会的表决程序和表决结果 5 | | --- | 关于厦门银行股份有限公司 2024 年度股东大会的 关于厦门银行股份有限公司 2024 年度股东大会的 法律意见书 法律意见书 〔2025〕天衡意字第 122 号 致：厦门银行股份有限公司 福建天衡联合律师事务所接受厦门银行股份有限公司的委托，指派许理想、 潘舒原律师作为厦门银行股份有限公司 2024 年度股东大会的专项律师，见证本 次股东大会。 本所律师根据《中华人民共和国公司法》《中华人民共和国证券法》《上市公 司股东大会规则》等有关法律、法规、规范性文件以及《厦门银行股份有限公司 章程》的规定，按照律师行业公认的业务标准、道德规范和勤勉尽责精神，出具 本法律意见书。 1 引 言 一、释义 在本法律意见书中，除非明确表述或上下文另有定义，下列各项用语具有如 下特定的含义： | 公司 | 是指 | 厦门银行股份有限公司 | | --- | --- | --- | | 本所 | 是指 | 福建天衡联合律师事务所 | | 本所律师 | 是指 | 本法律意见书的经办律师许理想、潘舒原律师 | | 上证所信息公司 | 是指 | 上证所信息 ...

Investment Rating - The investment rating for the banking industry is "Positive" and maintained [11] Core Insights - The banking index increased by 0.1% as of May 30, 2025, outperforming the CSI 300 index by 1.2% and the ChiNext index by 1.5%. The market's focus on bank stocks has increased significantly due to active fund allocation, with a continued upward trend in the sector, particularly for city commercial banks with relatively strong performance [2][6][19] - The growth rate of real estate loans turned positive for the first time since Q3 2023, with a year-on-year increase of 0.04% as of the end of March. This was primarily driven by a recovery in mortgage demand, with new personal housing loans amounting to 2,144 billion, a year-on-year increase of 2,093 billion [7][34][40] - The inclusion of Chongqing Rural Commercial Bank and Shanghai Rural Commercial Bank into the CSI 300 index is expected to attract more index funds, providing a positive outlook for these constituent stocks [8][47] Summary by Sections Market Performance - As of May 30, 2025, the banking index has shown a cumulative increase of 0.1%, with significant gains in city commercial banks like Hangzhou Bank, which saw its stock price rise after triggering a strong redemption condition for its convertible bonds [2][6][19] Loan Trends - In Q1 2025, the growth of corporate medium and long-term loans decreased, with industrial loans adding 1.52 trillion, down 140 billion year-on-year, and service sector loans adding 2.99 trillion, down 550 billion year-on-year. However, personal housing loans saw a significant increase, indicating a recovery in the housing market [7][34][40] Index Adjustments - The adjustment of the CSI 300 index, which includes Chongqing Rural Commercial Bank and Shanghai Rural Commercial Bank, is expected to lead to increased capital inflow into these stocks, enhancing their market performance [8][47] Convertible Bonds - The recent surge in bank stocks has narrowed the price gap to the strong redemption price for banks issuing convertible bonds. Hangzhou Bank's stock price has remained above the strong redemption price for 15 consecutive trading days, indicating strong investor confidence [9][48]

Group 1 - The National Cybersecurity Incident Response Center detected 63 mobile applications that illegally collect and use personal information [1] - The "Xiamen Bank Enterprise Banking" app (version 8.0.0) failed to clearly inform users about its privacy policy and the handling of personal information [1] - The "Ximalaya" app (version 6.1.1.01) did not adequately disclose the purposes, methods, and scope of personal information collection [2] Group 2 - The previous report identified 65 problematic mobile applications, with 16 still having issues upon retesting, leading to their removal from distribution platforms [2] - Xiamen Bank, established in 1996, is the first city commercial bank in mainland China with Taiwanese capital and is listed with stock code 601187.SH [2] - The largest shareholder of Xiamen Bank is the Xiamen Municipal Finance Bureau, holding 19.18%, while the second largest is Fubon Financial Holding from Taiwan, holding 18.03% [2] Group 3 - Ximalaya, founded in 2012, is a popular online audio sharing platform that offers a wide range of audio content for users of all ages, totaling 340 million audio pieces across 101 categories [3]

作 者丨林秋彤 编 辑丨曾芳 低利率环境下，银行股股息率"逆势而上"。 据wind数据，截至5月28日最新收盘， 42家A股上市银行中有15家银行的股息率已自2023年至今连续上升。 例如，南京银行2023年、2024年 和最新收盘的股息率分别为4.92％、5.11％、7.67％；江苏银行2023年、2024年和最新收盘的股息率分别为4.32％、4.78％、7.13％；渝农商 行2023年、2024年和最新收盘的股息率分别为3.95％、4.17％和6.60％。 此外，平安银行、民生银行、厦门银行和北京银行等，其股息率已经突破7％，且较今年年初有大幅上涨。截至最新收盘，上述几家银行股息 率分别为8.40％、8.10％、7.26％和7.02％，较2024年末分别上涨了3.11、3.60、2.36和1.91个百分点。 整体来看，42家A股上市银行中共有21家银行的最新收盘股息率较去年末有所上涨，有9家银行与去年末有所持平。 银行股走势稳健 与股息率"逆势而上"相对应的，是银行股走势稳健延续。 记者梳理发现，15家股息率连续上涨的银行中，除兰州银行和苏州银行外，其余13 家银行2024年全年股价涨幅均超过了40％。 ...

厦门银行股份有限公司 厦门银行股份有限公司（以下简称"公司"）第九届监事会第十三次会议通 知于 2025 年 5 月 16 日以电子邮件方式发出，会议于 2025 年 5 月 28 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。 证券代码：601187 证券简称：厦门银行 公告编号：2025-027 第九届监事会第十三次会议决议公告 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。 表决结果：以 6 票赞成，0 票反对，0 票弃权获得通过。 二、审议并通过《关于制定<厦门银行股份有限公司互联网贷款风险管理制 度>的议案》 表决结果：以 6 票赞成，0 票反对，0 票弃权获得通过。 本次会议还听取了《厦门银行股份有限公司关于 2024 年度小微企业金融服 务监管评价结果的报告》。 与会监事对议案进行了审议，形成如 ...

Core Viewpoint - The competition in consumer loans among banks has shifted from a focus on low interest rates to enhancing loan limits and extending loan terms, as banks seek to adapt to changing market conditions and regulatory guidance [1][11][15] Consumer Loan Growth - In 2024, the total consumer loan balance of 40 A-share listed banks increased by over 950 billion yuan, with some banks experiencing growth rates exceeding 90% compared to the previous year [1][3] - The consumer loan balance for these banks reached approximately 6.06 trillion yuan by the end of 2024, marking an increase of 957.85 billion yuan from the previous year [3][4] Interest Rate Trends - Consumer loan interest rates dropped to the "2" range, with some banks offering rates as low as 1.88% for select customers, but this trend has reversed with many banks raising rates to no less than 3% by April 2024 [1][9][10] - The shift back to "3" range interest rates is aimed at preventing excessive competition and potential financial risks associated with low-rate loans [10][11] Bank Strategies - Banks are now focusing on enhancing consumer loan products by increasing limits and extending terms, responding to government initiatives to boost consumption [11][12] - Various banks have begun to raise loan limits and extend repayment periods, with some institutions increasing the maximum loan amount from 300,000 yuan to 500,000 yuan and extending terms from five to seven years [12][16] Market Segmentation - The consumer loan market is showing significant differentiation, with some banks rapidly expanding their loan portfolios through low-rate strategies, while others are contracting due to concerns over rising non-performing loan rates [5][10] - Banks are increasingly targeting specific consumer scenarios, such as home renovations and electric vehicle purchases, to drive loan growth [15][16] Risk Management - The rise in consumer loan balances has led to an increase in non-performing loans, prompting banks to enhance their risk management practices and focus on quality customer segments [9][10][14] - Regulatory bodies are emphasizing the need for banks to monitor the flow of consumer loan funds to mitigate systemic risks [14]

本周聚焦—多家银行下调存款挂牌利率 证券研究报告 | 行业周报 gszqdatemark 2025 05 25 年 月 日 一、多家银行下调存款挂牌利率 银行 2025 年 5 月 20 日，1 年期、5 年期 LPR 分别下调 10bps，同日国有大行 同步下调存款挂牌利率，其中活期存款利率下调 5bps，三个月/六个月/一 年/二年存款利率下调 15bps，三年/五年存款利率下调 25bps，随后股份 行及部分城农商行也陆续跟进下调存款利率，截止 5 月 24 日，上市银行 中下调存款利率的银行数量已过半。 伴随近年来存款利率市场化机制推进以及存款规范力度加大，存款成本进 入下降通道。以招商银行披露的存款平均成本率季度变化来看，今年一季 度存款成本率大幅下降 25bps 至 1.29%，招商银行存款成本率自 2024 年 二季度以来环比开始出现改善，而今年一季度存款成本改善力度进一步加 大。这与我们此前发布的《2025 年负债成本改善力度有望加大》报告的观 点一致，背后原因在于，长期限存款经过挂牌利率多次下调后再重新定价， 成本节约效果更为明显。 1）存量存款成本改善空间仍较大：我们将上市银行的人民币存款 ...

Group 1: Market Overview - A-share market showed increased structural differentiation on May 22, with high-position thematic stocks retreating and the North China 50 Index dropping over 6% [2] - The Shanghai Composite Index closed down 0.22% at 3380.19 points, while the Shenzhen Component Index fell 0.72% to 10219.62 points, and the ChiNext Index decreased by 0.96% to 2045.57 points [2] Group 2: Bank Sector Performance - Bank stocks rose against the market trend, with several banks like Pudong Development Bank, Jiangsu Bank, and Chengdu Bank reaching historical highs, while others like Qingdao Bank and CITIC Bank increased by over 2% [3] - Major state-owned banks and several others lowered RMB deposit rates on May 20, which is expected to positively impact net interest margins and allow banks to increase government bond allocations to support the real economy [3][4] - The valuation recovery logic driven by bank stock dividends is expected to continue, with limited downward pressure on net interest margins and stable performance anticipated [3] Group 3: High-Position Stock Dynamics - High-position stocks have become a market focus amid fluctuations, with stocks like Nanjing Port experiencing significant volatility, including a 7.21% increase after a drop [4] - Over 80 stocks have doubled in price this year, primarily in sectors like restructuring, price increases, robotics, AI, and new consumption, although many of these are small-cap stocks with poor performance [4][5] Group 4: Valuation Concerns - Some doubling stocks, such as Zhongyida, have been flagged for high valuations despite significant price increases, with a cumulative rise of 252.61% while the company remains in a loss position [5] - The market is expected to continue a volatile trend with low trading volumes, and structural opportunities may arise in sectors like export industry chains, domestic demand expansion, high dividend yields, and mergers and acquisitions [5]