Group 1: Core Insights - Xiamen Bank is implementing a "2+3" five-year development strategy focusing on short, medium, and long-term goals, emphasizing market segmentation, asset growth, and customer management [1] - The bank's total assets surpassed 400 billion yuan by the end of 2024, with operating income of 5.76 billion yuan and net profit of 2.59 billion yuan, maintaining stable performance [1] - The bank's management expressed confidence in the long-term sustainability of positive factors despite short-term performance fluctuations [3] Group 2: Interest Margin Management - Xiamen Bank anticipates stabilization and potential improvement in net interest margin (NIM) this year, with NIM contributing over 70% to operating income [2] - The bank has reduced the average scale of low-yield notes by 12.62% and decreased high-interest deposits, leading to a 30 basis points decline in deposit cost rate year-on-year [2] - The bank expects NIM to stabilize this year, with improvements anticipated as deposit costs continue to decline [2] Group 3: Performance Fluctuations - In Q1 2024, Xiamen Bank reported operating income of 1.214 billion yuan and net profit of 650 million yuan, reflecting some volatility [3] - The decline in revenue was primarily due to decreased investment-related income and tighter interbank liquidity, impacting the fair value of bond assets [3] - Despite a decrease in net interest income due to narrowing interest margins, management is optimistic about recovery [3] Group 4: Loan and Deposit Growth - In Q1 2024, Xiamen Bank's total deposits and general loan scales grew by 3.4% and 2.8%, respectively, marking a significant achievement in traditional business growth [4] - The bank plans to increase general corporate loans in the coming quarters, focusing on high-yield and high-quality sectors [4] - The bank's corporate loan growth is expected to exceed last year's total by the first half of 2025 [4] Group 5: Asset Quality Management - Xiamen Bank's non-performing loan (NPL) ratio decreased to 0.74% by the end of 2024, with a non-performing loan balance of 1.512 billion yuan, indicating strong asset quality [5] - The bank is managing credit risks effectively, particularly in high-risk sectors like real estate, with a focus on maintaining a high provision coverage ratio [6] - The bank's management remains confident in asset quality for 2025, despite some short-term pressures [7] Group 6: Cross-Strait Financial Services - Xiamen Bank has seen significant growth in cross-strait financial services, with a nearly 20% increase in Taiwan enterprise clients and a 17% increase in Taiwan resident clients by the end of 2024 [7] - The bank aims to enhance its coverage of Taiwan enterprises and residents, recognizing their substantial contribution to overall business [7] - The bank plans to expand its financial services to supply chain financing for Taiwan businesses beyond the current regions [7]

0 2 4 月29日，厦门银行（601187.SH）发布2024年度业绩报告。2024年，该行凭借清晰的战略定位、扎 实的风控体系，实现稳健经营和发展。数据显示，2024年，该行实现营业收入57.59亿元，同比增长 2.79%；非利息净收入17.54亿元，同比增长37.45%，营收结构持续优化；利润总额27.35亿元，同比 增长3.54%。 在规模指标上，截至2024年末，该行资产总额达到4077.95亿元，较上年末增长4.39%，规模实现稳健 增长；总负债3754.26亿元，较上年末增长4.24%，贷款及垫款总额2,054.55亿元，吸收存款总额 2141.56亿元，较上年末增长3.17%。 多年来，厦门银行资产质量持续保持较好水平，不良率和拨备覆盖率在上市银行中排名前列。截至 2024年末，该行不良贷款率持续优化至0.74%，较上年末下降0.02个百分点，对公贷款的不良率为 0.51%，较年初下降0.58个百分点。该行不断完善风险管理体系，加强不良资产管控能力，筑牢稳健 发展根基。截至2024年末，该行拨备覆盖率达391.95%，风险抵补能力保持充足水平。 0 1 分红率 31.53%创新高，拟实施202 ...