厦门银行(601187) - 2025 Q2 - 季度财报

Important Notice The company did not conduct any interim profit distribution or capital reserve conversion to share capital for 2025 as of the end of the reporting period - As of the end of the reporting period, the company did not conduct any interim profit distribution or capital reserve conversion to share capital for 2025[5] - The company's Board of Directors, Board of Supervisors, and senior management guarantee the truthfulness, accuracy, and completeness of the semi-annual report content, with no false records, misleading statements, or major omissions[8] - This report is unaudited but has been reviewed and a review report issued by Deloitte Touche Tohmatsu Certified Public Accountants LLP[8] - The company faces major operational risks including credit risk, liquidity risk, market risk, operational risk, information technology risk, and reputational risk, and has implemented measures for their management and control[7] Section I Definitions This section provides clear definitions for common terms used throughout the report, including the reporting period and key entities - The reporting period refers to January 1, 2025, to June 30, 2025, and the end of the reporting period is June 30, 2025[13] - Common terms in this report, such as "Company," "Central Bank," "CSRC," "CBIRC," "SSE," "Haixi Financial Leasing," "Xiamen C&D Group," "Fubon Financial Holdings," "Shengdaxingye," "Septwolves Group," and "RMB," are clearly defined[13] Section II Company Profile and Key Financial Indicators This section provides an overview of the company's basic information, contact details, and key financial performance metrics for the past three years Company Basic Information and Contact Details Xiamen Bank Co., Ltd.'s legal representative is Hong Pipa, the Board Secretary is Xie Tonghua, and its registered and operational address is Commercial Bank Building, No. 101 Hubin North Road, Siming District, Xiamen City, with the company website http://www.xmbankonline.com - The company's legal representative is Hong Pipa[15] - The Board Secretary is Xie Tonghua, contact number 0592-5060112, email dshbgs@xmbankonline.com[16] - The company's registered and office address is Commercial Bank Building, No. 101 Hubin North Road, Siming District, Xiamen City, postal code 361012[17] - The company's stock abbreviation is "Xiamen Bank," stock code "601187," listed on the Shanghai Stock Exchange[20] - The company's registered capital is 2,639,127,888 RMB, with the initial registration date of November 26, 1996, and the change registration date of April 9, 2025[21] Key Financial Data and Indicators for the Past Three Years In the first half of 2025, Xiamen Bank's operating revenue decreased by 7.02% to 2.689 billion yuan, and net profit attributable to parent company shareholders decreased by 4.59% to 1.158 billion yuan; total assets increased by 6.43% to 434.001 billion yuan, total customer loans and advances increased by 7.52% to 220.914 billion yuan, and total deposits increased by 7.35% to 229.901 billion yuan; non-performing loan ratio increased by 0.09 percentage points to 0.83%, and provision coverage ratio decreased by 70.28 percentage points to 321.67% Key Accounting Data In the first half of 2025, the company's operating revenue, operating profit, total profit, and net profit attributable to parent company shareholders all decreased year-on-year, with net cash flow from operating activities significantly decreasing by 2735.47% to -2.144 billion yuan; total assets, total customer loans and advances, total liabilities, and total deposits all increased 2025 January-June Key Accounting Data (Unit: RMB thousand) | 项目 | 2025年1-6月 | 2024年1-6月 | 本报告期较上年同期增减(%) | | :--- | :--- | :--- | :--- | | Operating Revenue | 2,689,282 | 2,892,242 | -7.02 | | Operating Profit | 1,211,475 | 1,317,880 | -8.07 | | Total Profit | 1,214,647 | 1,317,877 | -7.83 | | Net Profit Attributable to Parent Company Shareholders | 1,157,983 | 1,213,680 | -4.59 | | Net Cash Flow from Operating Activities | -2,143,671 | 81,339 | -2,735.47 | 2025 June 30 Balance Sheet Data (Unit: RMB thousand) | 项目 | 2025年6月30日 | 2024年12月31日 | 本报告期末较期初增减(%) | | :--- | :--- | :--- | :--- | | Total Assets | 434,001,173 | 407,794,724 | 6.43 | | Total Customer Loans and Advances | 220,914,175 | 205,455,072 | 7.52 | | Total Liabilities | 401,322,092 | 375,425,635 | 6.90 | | Total Deposits | 229,900,934 | 214,156,382 | 7.35 | | Net Assets Attributable to Parent Company Shareholders | 31,907,816 | 31,639,252 | 0.85 | Key Financial Indicators In the first half of 2025, the company's earnings per share and profitability indicators (weighted average return on net assets, return on total assets, net interest margin, net interest spread) all decreased year-on-year; capital adequacy ratios (capital adequacy ratio, Tier 1 capital adequacy ratio, core Tier 1 capital adequacy ratio) decreased from the beginning of the period; among asset quality indicators, the non-performing loan ratio increased, while the provision coverage ratio and loan-to-deposit ratio decreased 2025 January-June Key Financial Indicators | 指标 | 2025年1-6月 | 2024年1-6月 | 本报告期较上年同期增减(%) | | :--- | :--- | :--- | :--- | | Basic Earnings Per Share (RMB/share) | 0.41 | 0.43 | -4.65 | | Diluted Earnings Per Share (RMB/share) | 0.41 | 0.43 | -4.65 | | Net Cash Flow from Operating Activities Per Share (RMB/share) | -0.81 | 0.03 | -2,800.00 | | Weighted Average Return on Net Assets | 4.18% | 4.71% | Decreased by 0.53 percentage points | | Net Interest Margin | 1.08% | 1.14% | Decreased by 0.06 percentage points | 2025 June 30 Capital Adequacy Ratio and Asset Quality Indicators | 指标 | 2025年6月30日 | 2024年12月31日 | 本报告期末较期初增减 | | :--- | :--- | :--- | :--- | | Capital Adequacy Ratio | 14.11% | 15.30% | Decreased by 1.19 percentage points | | Core Tier 1 Capital Adequacy Ratio | 9.10% | 9.91% | Decreased by 0.81 percentage points | | Non-Performing Loan Ratio | 0.83% | 0.74% | Increased by 0.09 percentage points | | Provision Coverage Ratio | 321.67% | 391.95% | Decreased by 70.28 percentage points | Non-Recurring Gains and Losses Items and Amounts In the first half of 2025, the company's total non-recurring gains and losses amounted to 6.31 million yuan, primarily including gains/losses from disposal of non-current assets, government grants, and income from long-dormant unclaimed funds, with disposal gains/losses turning positive and unclaimed funds income significantly increasing 2025 January-June Non-Recurring Gains and Losses Items (Unit: RMB thousand) | 非经常性损益项目 | 2025年1-6月 | 2024年1-6月 | | :--- | :--- | :--- | | Gains/Losses from Disposal of Non-Current Assets | 2,959 | -446 | | Government Grants Income | 186 | 311 | | Income from Long-Dormant Unclaimed Funds | 4,090 | 78 | | Other Non-Operating Income and Expenses Apart from the Above | 310 | 820 | | Impact of Minority Interests | 768 | -18 | | Income Tax Impact | -2,002 | -267 | | Total | 6,310 | 478 | Supplementary Financial Indicators As of the end of June 2025, the company's liquidity ratio was 71.29%, single