Core Viewpoint - Xiamen Bank has demonstrated resilience in its performance amid a complex economic environment, achieving significant growth in total assets, loans, and deposits while maintaining a stable non-performing loan ratio and a high provision coverage ratio [1][2][3]. Financial Performance - As of June 30, 2025, Xiamen Bank's total assets exceeded 4,300 billion yuan, reflecting a year-on-year growth of 6.43% [3] - The total loan and advance amount reached 2,209.14 billion yuan, up 7.52% from the previous year, outpacing the growth of total assets by 1.09 percentage points [3] - The bank's net profit for the first half of 2025 was 12.16 billion yuan, with a notable second-quarter revenue of 14.75 billion yuan, marking a quarter-on-quarter increase of 21.45% [3][4] Asset Quality and Structure - The non-performing loan ratio remained below 1%, with a provision coverage ratio exceeding 320% [1] - The bank's corporate loan balance grew by 17.21%, significantly higher than the overall loan growth rate, indicating effective support for the real economy [1][6] Strategic Focus Areas - Xiamen Bank has intensified its focus on inclusive finance, green finance, and technology finance, achieving substantial growth in these areas [5][6] - The balance of green loans reached 169.36 billion yuan, a year-on-year increase of 29.58%, with a 10.7% growth in the number of green loan clients [6] - Technology loans amounted to 214.87 billion yuan, up 18.59% from the previous year, with strategic emerging industry loans growing over 50% [7] Retail Banking and Wealth Management - The bank's retail customer base increased to 2.77 million, with a growth rate of 2.69% [9] - Retail financial assets reached 1,181.64 billion yuan, reflecting an increase of 91.53 billion yuan or 8.40% [10] - The bank has accelerated its digital transformation, achieving a high customer engagement rate through mobile banking and intelligent customer service [11] Future Outlook - Xiamen Bank aims to continue its journey towards becoming a value bank, focusing on high-quality financial services to empower regional economic development in the second half of 2025 [12]

Core Viewpoint - Xiamen Bank has demonstrated resilience in its performance amid a complex economic environment, achieving significant growth in assets, loans, and profitability in the first half of 2025 [1][2][8] Financial Performance - Total assets exceeded 430 billion yuan, with a year-on-year growth of 6.43% [2] - Total loans and advances reached 220.91 billion yuan, increasing by 7.52% compared to the end of the previous year [2] - Operating income for the first half was 2.689 billion yuan, with a net profit of 1.216 billion yuan, showing a strong recovery in the second quarter with a 21.45% increase in revenue [2][3] Loan and Deposit Growth - Corporate loan balance grew by 17.21% year-on-year, significantly outpacing overall loan growth [3][4] - Total deposits increased by 7.35% to 229.90 billion yuan, aligning deposit growth with loan growth to create a positive cycle [2][3] Asset Quality - Non-performing loan ratio remained stable at below 1%, with a provision coverage ratio exceeding 320% [1][3] - The bank's corporate loan non-performing rate was only 0.55%, indicating high growth alongside quality [3] Strategic Focus Areas - Xiamen Bank is focusing on inclusive finance, green finance, and technology finance, achieving notable results in these areas [5][6][8] - Green loans reached 16.936 billion yuan, growing by 29.58% year-on-year, supporting the dual carbon strategy [5] - Technology loans amounted to 21.487 billion yuan, with significant growth in strategic emerging industries [6] Retail Banking Development - Retail customer base grew to 2.7719 million, with a focus on enhancing customer quality and wealth management [7][8] - Retail financial assets increased to 118.164 billion yuan, reflecting an 8.40% growth [7] - The bank is accelerating digital transformation, achieving high efficiency in mobile banking services [7][8] Future Outlook - Xiamen Bank aims to continue its path towards becoming a value bank, providing high-quality financial services to support regional economic development [8]

登录新浪财经APP 搜索【信披】查看更多考评等级 转自：新华财经 富滇银行作为云南省本土金融机构，始终树牢"服务地方、赋能中小、惠及民生"的发展使命，立足地区 实际，发挥自身金融服务优势，赋能经济发展、守护绿水青山、增进民生福祉，以实际行动擦亮"云南 人民自己的银行"的品牌形象。 2024年，富滇银行经营质效不断提升，资产规模站上4000亿元的新台阶，交出了一份营收利润"双增"、 不良拨备"双稳"、对公贷款零售存款"双升"的答卷；市场认可度持续增强，在《银行家》杂志2025年全 球银行1000强排名中持续攀升至第373位，连续三年入选国务院国资委"国有企业社会责任·先锋100指 数"。 "金融活水"精准浇灌实体经济 富滇银行主动服务和融入国家和云南省发展战略，积极支持地方实体经济、重点领域和薄弱环节：全年 累计投放各类金融资金3157亿元，其中：中长期制造业、战略性新兴产业贷款分别同比增长37.7%、 29.9%；出台92条措施支持云南"三大经济"和文旅产业发展，设立20亿元园区经济产业基金，资源经济 贷款同比增长38.44%，智慧旅游场景平台结算金额超55亿元；打好跨境金融"特色牌"，积极服务高水平 对外开 ...

Group 1: Financial Services Development - The provincial agricultural credit union is leading the development of financial services in Shandong, focusing on high-quality growth and innovation in credit products [6] - The bank is actively promoting five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [6] Group 2: Technology Finance - The bank has provided comprehensive financial services to technology enterprises, exemplified by a loan of 9.8 million yuan to a high-tech company for intellectual property pledge [7] - As of May, the balance of loans to technology enterprises reached 139.6 billion yuan, an increase of 25.7 billion yuan or 22.56% from the beginning of the year [8] Group 3: Green Finance - The bank has developed over ten specialized credit products for green industries, including "green industry loans" and "carbon emission rights pledge loans" [9] - By the end of May, the balance of green loans reached 81.72 billion yuan, with 65,400 green loan accounts [10] Group 4: Inclusive Finance - The bank has established 340 inclusive financial service points, facilitating financial services in rural areas and supporting small and micro enterprises [11][12] - The balance of loans to small and micro enterprises reached 11,205.6 billion yuan, with an increase of 577.7 billion yuan since the beginning of the year [13] Group 5: Pension Finance - The bank has launched various services to meet the financial needs of the elderly, including home visits and personalized assistance [14] - As of May, the balance of loans in the pension sector reached 17.93 billion yuan, an increase of 960 million yuan from the beginning of the year [15] Group 6: Digital Finance - The bank has developed a comprehensive rural revitalization service platform utilizing internet and big data technologies, facilitating online loans of 35.1 billion yuan [16][17] - By the end of May, the bank had launched ten online products with a loan balance of 128.03 billion yuan [17]

Core Viewpoint - Under the "dual carbon" goals, Xiamen Bank focuses on product innovation, technology empowerment, and policy collaboration to build a multi-level green financial service system, supporting regional green industry upgrades. As of June 2024, the bank's green credit balance reached 9.208 billion yuan, with a compound annual growth rate of 57.30% over the past three years [1]. Group 1: Product Innovation - Xiamen Bank has innovated green credit products to precisely support financing needs for green low-carbon development, launching products like "Photovoltaic Loan," "Carbon Emission Rights Pledge Loan," and "Energy Saving and Emission Reduction Loan" [2]. - The "Photovoltaic Loan" supports the operation, construction, and investment of photovoltaic power stations, offering flexible collateral options and addressing financing challenges in the photovoltaic industry. By June 2024, the bank served 34 clients under this loan, with a total issuance of 290 million yuan and an outstanding balance of over 270 million yuan, contributing to a reduction of 57,000 tons of CO2 emissions annually [2]. - The "Carbon Emission Rights Pledge Loan" allows carbon emission rights to be used as collateral, encouraging clients to use the funds for energy-saving renovations and equipment updates, thus revitalizing existing carbon assets [2][3]. Group 2: Technology Empowerment - Xiamen Bank enhances its green financial services through technology, embedding green credit recognition processes into its corporate credit system and ensuring compliance and traceability in the approval process [4]. - The bank is developing a green credit management system that will utilize AI and big data for automatic classification of green credit, assessing corporate green performance, and measuring carbon emissions and environmental benefits [4]. Group 3: Policy Collaboration - In 2023, Xiamen Bank was included in the People's Bank of China's "Carbon Reduction Support Tool" framework, combining fiscal, monetary, and financial tools to lower funding costs and provide low-cost credit to enterprises [5]. - The bank successfully facilitated the first "Technical Innovation Fund New Electric Dual Carbon Project" loan for a Taiwanese enterprise, demonstrating its role in supporting green energy production and consumption [5][6]. - Xiamen Bank actively expands its green financial services in areas like rural revitalization and cross-strait cooperation, achieving rapid growth in its green finance business [6].

党的二十大报告为"推动绿色发展，促进人与自然和谐共生"指明方向，明确提出要牢固树立和践 行"绿水青山就是金山银山"理念，从人与自然和谐共生的高度谋划发展。 近期，《国务院办公厅关于做好金融"五篇大文章"的指导意见》（以下简称《指导意见》）印 发，明确金融"五篇大文章"重点领域和主要着力点。 在绿色发展的浪潮中，绿色金融成为关键力量，《指导意见》更是对金融机构助力绿色发展提出 了更高要求，完善绿色金融政策、市场和标准体系，丰富绿色金融工具，统筹对绿色发展和低碳 转型的支持。 青岛农商银行作为区域金融的佼佼者，也是省内唯一的上市农商银行，在这场绿色金融变革，以 一系列创新实践和显著成效，交出了令人瞩目的"青农答卷"。 增速领跑，创新赋能，绿色金融成果斐然 翻开青岛农商银行2024年度绿色金融成绩单，一系列跃动的数字见证了该行绿色基因的深度渗 透和绿色金融业务的蓬勃发展。 绿色贷款余额较年初净增31.06亿元，占比提升至5.33%，较年初增加1.12个百分点，其中节能 环保产业贷款增长尤为突出，增速高达160%，远超全行业平均水平。节能环保贷款余额达到 33.41亿元，较年初增加20.56亿元，为节能环保企业的技术 ...