厦门银行2025年上半年发展韧性凸显 向价值银行不断迈进

Core Viewpoint - Xiamen Bank has demonstrated resilience in its performance amid a complex economic environment, achieving significant growth in assets, loans, and profitability in the first half of 2025 [1][2][8] Financial Performance - Total assets exceeded 430 billion yuan, with a year-on-year growth of 6.43% [2] - Total loans and advances reached 220.91 billion yuan, increasing by 7.52% compared to the end of the previous year [2] - Operating income for the first half was 2.689 billion yuan, with a net profit of 1.216 billion yuan, showing a strong recovery in the second quarter with a 21.45% increase in revenue [2][3] Loan and Deposit Growth - Corporate loan balance grew by 17.21% year-on-year, significantly outpacing overall loan growth [3][4] - Total deposits increased by 7.35% to 229.90 billion yuan, aligning deposit growth with loan growth to create a positive cycle [2][3] Asset Quality - Non-performing loan ratio remained stable at below 1%, with a provision coverage ratio exceeding 320% [1][3] - The bank's corporate loan non-performing rate was only 0.55%, indicating high growth alongside quality [3] Strategic Focus Areas - Xiamen Bank is focusing on inclusive finance, green finance, and technology finance, achieving notable results in these areas [5][6][8] - Green loans reached 16.936 billion yuan, growing by 29.58% year-on-year, supporting the dual carbon strategy [5] - Technology loans amounted to 21.487 billion yuan, with significant growth in strategic emerging industries [6] Retail Banking Development - Retail customer base grew to 2.7719 million, with a focus on enhancing customer quality and wealth management [7][8] - Retail financial assets increased to 118.164 billion yuan, reflecting an 8.40% growth [7] - The bank is accelerating digital transformation, achieving high efficiency in mobile banking services [7][8] Future Outlook - Xiamen Bank aims to continue its path towards becoming a value bank, providing high-quality financial services to support regional economic development [8]