70亿债券+8亿募股“补血”，厦门国际银行新帅掌舵后密集资本动作

Core Viewpoint - Xiamen International Bank is accelerating its capital replenishment and expansion efforts following the appointment of a new chairman, with a recent approval for a capital increase plan to raise up to 795 million shares [1][3]. Group 1: Capital Increase and Financial Position - The capital increase will bring Xiamen International Bank's registered capital close to 18 billion yuan, surpassing the combined registered capital of three other city commercial banks in Fujian [3]. - The bank previously executed a capital increase through a capital reserve conversion, raising its registered capital from 15.497 billion yuan to 17.046 billion yuan [3]. - Prior to this capital increase, the bank issued financial bonds worth 7 billion yuan in the interbank bond market, following a previous issuance of 6 billion yuan [3]. Group 2: Operational and Financial Performance - As of September 30, 2025, Xiamen International Bank reported total assets of 1.1869 trillion yuan and total liabilities of 1.0991 trillion yuan, with owner’s equity of 87.744 billion yuan [4]. - The bank's core Tier 1 capital adequacy ratio was 8.43%, with a total capital adequacy ratio of 12.34% as of September 30, 2025 [5]. - The non-performing loan ratio increased from 1.26% at the end of 2022 to 2.11% by June 2025, indicating a decline in asset quality [5]. Group 3: Management Changes and Strategic Direction - A significant management change occurred with the appointment of Wang Fei as the new chairman, who also serves as the chairman of the bank's largest shareholder, Fujian Investment Group [6]. - This unusual arrangement is perceived as a strategy to leverage shareholder resources to address the bank's current challenges [6].