Core Insights - Xiamen International Bank is focusing on "Overseas Chinese Finance + Cross-border Finance" to drive growth, achieving an 11.19% year-on-year increase in operating income and nearly 6% growth in net profit by mid-2025, with net interest income rising over 30% [1] - The bank's strategy includes "controlling risks, increasing revenue, and reducing costs," leading to stable profit growth despite challenges from declining LPR and intensified competition [1] Group 1: Financial Performance - As of June 2025, Xiamen International Bank's operating income grew by 11.19% year-on-year, while net profit increased by nearly 6% [1] - The bank's net interest income saw a growth rate exceeding 30%, indicating effective management in a challenging environment [1] - The bank's comprehensive account system and cost-reduction strategies have contributed to a more balanced revenue structure [1] Group 2: Industry Specialization - In the first half of 2025, the bank allocated nearly 76 billion yuan in loans across 53 specialized industry segments, with loans in specialized fields exceeding 100 billion yuan [2] - The bank's focus on integrating supply chain and industrial chain financing has led to a 55% increase in supply chain financial balances since the beginning of the year [2] - The bank's efforts in supporting the upgrade of industries through financial services are evident, with over half of new customer loans directed towards specialized sectors [2] Group 3: International Business and Risk Management - Xiamen International Bank's international business saw a nearly 15% year-on-year increase in transaction volume by mid-2025 [3] - The bank has implemented a robust risk management system, resulting in a 24.5% year-on-year decrease in new non-performing loans [3] - The bank's new customer loan non-performing rate stands at 0.28% since 2023, reinforcing its risk management capabilities [3] Group 4: Technological Empowerment - The bank has integrated artificial intelligence into various risk management areas, achieving over 80% accuracy in its "Tianyan" intelligent warning system [4] - The bank's fraud prevention system has successfully intercepted suspicious transactions amounting to over 10 million yuan in the first half of 2025 [4] - The use of technology in risk management aligns with the bank's commitment to safeguarding customer assets and promoting financial inclusivity [4]