福建海峡银行发行2025年第二期小微贷款专项金融债，中诚信国际评级AA+展望稳定

Group 1 - Fujian Strait Bank has initiated the issuance of a special financial bond for small and micro enterprises, with a scale of 2 billion yuan and a term of 3 years, aimed at funding small and micro enterprise loans [1] - The bank's total assets reached 283.87 billion yuan by the end of 2024, up from 225.19 billion yuan in 2022, indicating steady growth [1] - The bank's capital adequacy ratio improved to 13.65% by the end of 2024, enhancing its risk resistance capabilities [1] Group 2 - The bank's net interest margin narrowed to 1.56% in 2024 due to declining market interest rates and increased competition [2] - The non-performing loan ratio remained stable at 1.39%, while the bank disposed of 3.30 billion yuan in non-performing loans in 2024 [2] - The bank's cost-to-income ratio decreased to 30.57%, reflecting effective risk mitigation measures [2]