Core Viewpoint - Xiamen Bank is gradually releasing development momentum while still in a critical entrepreneurial stage, focusing on its "2+3" five-year strategic plan which emphasizes stability, progress, and establishment [1][2]. Group 1: Financial Performance - In the first half of 2025, Xiamen Bank achieved operating income of 2.69 billion yuan and net profit attributable to shareholders of 1.16 billion yuan, showing significant improvement compared to the first quarter [2]. - The bank's net interest margin rebounded by 4 basis points in the second quarter, with a notable narrowing of the year-on-year decline in net interest income [2][6]. - The total loan amount exceeded 220 billion yuan by the end of June, marking a 7.5% increase from the beginning of the year, the highest growth rate for the same period in four years [3]. Group 2: Market Strategy - The bank is focusing on segmented markets, particularly in Fujian and Chongqing, to accelerate business development and stabilize asset and liability sides [3]. - Key areas of focus include provincial and municipal projects, manufacturing upgrades, inclusive finance, technological innovation, and green transformation [3]. - Retail deposits surpassed 90 billion yuan by the end of June, with an increase of over 10 billion yuan compared to the previous year, and retail deposits accounted for over 40% of total deposits [4]. Group 3: Interest Margin Management - Xiamen Bank has improved its asset-liability structure while managing interest margins effectively, resulting in a reduction of the average interest rate on corporate deposits by 38 basis points [5][6]. - The bank's retail deposit interest rate decreased by 16 basis points compared to the end of the previous year, contributing to a more favorable interest margin [6]. - Non-interest income reached 420 million yuan in the second quarter, a year-on-year increase of 9.2%, helping to turn the quarterly revenue growth positive [7]. Group 4: Customer Management - The bank emphasizes expanding its customer base while deepening customer management, aiming to enhance customer interaction and loyalty [8]. - The number of corporate strategic clients increased by 7.8% and 11.4% for total and branch-level clients, respectively, with a focus on state-owned enterprises and high-quality private companies [9]. - Retail customer numbers reached 2.772 million by the end of June, with a growth rate of 2.7%, and the increase in high-net-worth and private banking clients exceeded the total for the previous year [9].