Company Overview - Xiamen Bank focuses on high-quality development strategies, enhancing capabilities in corporate, retail, cross-strait finance, and funding businesses, achieving stable growth in business scale and profitability [3][4] - The bank aims to be a trusted comprehensive financial service partner for corporate clients, providing solid financial support for regional economic development [3] Business Performance - The bank's corporate loan and advance balance reached 143.096 billion yuan, a growth of 17.21% compared to the previous year [3] - The bank's total deposits (excluding margin deposits) amounted to 128.691 billion yuan, an increase of 4.79% year-on-year [4][5] - The average interest rate on corporate deposits decreased by 38 basis points compared to the previous year, indicating effective cost control [5] Customer Management - The bank has expanded its corporate customer base, with strategic customers increasing by 7.83% and institutional customers by 8.75% compared to the previous year [3][4] - The bank emphasizes differentiated services to activate growth momentum, optimizing customer structure and enhancing client interaction frequency [3] Financial Inclusion - The bank has focused on supporting small and micro enterprises, with new inclusive small and micro loans issued at a rate 0.32 percentage points lower than the previous year [6] - The bank has leveraged financial tools to support over 14 billion yuan in loans for small and micro enterprises and private enterprises [6] Green Finance - The bank's green credit balance reached 16.936 billion yuan, a growth of 29.58% compared to the previous year [7] - The bank issued 3 billion yuan in green bonds to support green project loans, effectively reducing financing costs [7] Technology and Innovation - The bank's technology loan balance reached 21.487 billion yuan, an increase of 18.59% year-on-year [8] - The bank has implemented various financial policies to support high-tech industries, with loans to strategic emerging industries growing by over 50% [8] Retail Banking - The bank's retail customer base reached 2.7719 million, with an increase of 72,500 customers compared to the previous year [15] - Retail financial assets amounted to 118.164 billion yuan, reflecting an increase of 8.40% year-on-year [15] Digital Transformation - The bank has launched the "Xiamen e-Station" mini-program to enhance customer engagement and streamline marketing efforts [20] - The bank is focused on improving digital capabilities, enhancing customer experience through intelligent risk control and precise marketing [21][22] Cross-Strait Financial Services - The bank has maintained a leading position in cross-strait financial services, with a 7% increase in the number of Taiwanese enterprise clients compared to the previous year [27] - The bank has developed a unique product and service system for Taiwanese clients, enhancing their financial experience in mainland China [28][29]