XIANMEN BANK(SH:601187)2024-03-01 10:08Group 1: Branch Network Development - As of June 30, 2023, Xiamen Bank has a total of 114 branches, focusing on serving local residents and small to medium-sized enterprises [3] - The bank plans to continue expanding its branch network, particularly in underserved areas, to enhance community integration and service delivery [3] Group 2: Cross-Strait Financial Services - Xiamen Bank has developed unique financial products for Taiwanese clients, including the first credit card and online remittance services specifically for them [4] - As of June 30, 2023, the number of Taiwanese enterprise clients increased by 17%, and the number of credit card issuances for Taiwanese clients grew by 9% compared to the beginning of the year [4] Group 3: Interest Margin Management - To stabilize interest margins, Xiamen Bank will increase consumer loans while reducing the proportion of discount and re-discount loans to enhance average loan yields [4] - On the liability side, the bank aims to lower deposit rates and optimize the structure of deposit terms to reduce overall deposit costs [4] Group 4: Capital Regulation Impact - The new capital regulations have a minimal impact on Xiamen Bank's overall capital adequacy, allowing the bank to accelerate its "light capital" transformation [5] - The bank aims to improve capital efficiency and operational effectiveness to achieve sustainable high-quality growth [5]