XIANMEN BANK(SH:601187) 2 1 Shi Ji Jing Ji Bao Dao·2025-10-30 04:17Core Viewpoint - Xiamen Bank reported a steady growth in its financial performance for the third quarter of 2025, with total assets reaching 442.558 billion yuan, a year-on-year increase of 8.52% [1][2]. Financial Performance - As of the end of September, total loans and advances amounted to 234.524 billion yuan, up 14.15% from the end of the previous year, and total deposits reached 238.098 billion yuan, reflecting an 11.18% increase [1][2]. - The bank's operating income for the third quarter was 4.287 billion yuan, a year-on-year growth of 3.02%, while net profit attributable to shareholders was 1.939 billion yuan, up 0.25% [2][3]. - The net interest income was 3.091 billion yuan, showing a year-on-year increase of 3.63%, and net commission income reached 332 million yuan, with a growth rate of 16.04% [2]. Risk Management - Xiamen Bank maintained a low non-performing loan ratio of 0.80% and a provision coverage ratio of 304.39%, indicating strong asset quality and risk management capabilities [3]. - The bank's total liabilities were 409.452 billion yuan, reflecting a 9.06% increase from the previous year [2]. Shareholder Returns - The bank announced a mid-term dividend plan, proposing a cash dividend of 1.40 yuan per 10 shares, totaling 369 million yuan, which represents 31.91% of the net profit for the first half of 2025 [1][3]. - Since its listing, Xiamen Bank has consistently maintained a dividend payout ratio exceeding 30% for four consecutive years [3]. Strategic Focus - Xiamen Bank has emphasized its commitment to supporting the real economy, focusing on inclusive finance, technology finance, and green finance to enhance service quality and efficiency [4][5][6]. - The bank has actively supported small and micro enterprises, with over 4900 clients benefiting from its financing initiatives [5]. - In the green finance sector, the bank has increased its lending to sustainable projects and achieved a 10.7% year-on-year growth in green credit clients [6]. Future Outlook - Xiamen Bank aims to continue its high-quality development path by deepening its market segmentation and enhancing its financial services to contribute to regional economic growth [6].