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厦门银行发布2024年财报,稳健经营夯实可持续发展根基

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]