从双降到双增，厦门银行三季报逆袭！年内迎两位兴业系高管

Core Insights - Xiamen Bank reported a turnaround in its performance for the third quarter of 2025, with operating income reaching 4.29 billion yuan, a year-on-year increase of 3%, and net profit attributable to shareholders rising by 0.25% to 1.934 billion yuan, marking a positive shift from previous declines [2][4][5] Financial Performance - For the first three quarters of 2025, Xiamen Bank achieved operating income of 4.29 billion yuan, up 3% year-on-year, and net profit attributable to shareholders of 1.934 billion yuan, reflecting a 0.25% increase [2][4] - The bank's total assets as of September 30, 2025, amounted to 442.56 billion yuan, representing an 8.52% increase from the end of the previous year [6][7] - The net interest income reached 3.091 billion yuan, a 3.63% increase, while net fee and commission income grew by 16.04% to 332 million yuan [5] Profit Distribution - Xiamen Bank announced a profit distribution plan, proposing a cash dividend of 1.40 yuan per 10 shares, totaling 369 million yuan, which accounts for 31.91% of the net profit attributable to shareholders for the first half of 2025 [2] Asset Quality - The bank maintained a low non-performing loan ratio of 0.80% as of September 30, 2025, with a provision coverage ratio of 304.39% [6][7] - The total liabilities increased by 9.06% to 409.45 billion yuan, with total deposits rising by 11.18% to 238.10 billion yuan [5] Management Changes - The recent performance improvement may be linked to significant management changes, including the introduction of two executives from Industrial Bank, both of whom have extensive experience in the Fujian region [9][11][14]