厦门银行2025年一季度规模指标稳健增长，持续加大对实体经济支持力度

Xiamen Bank (601187.SH) projects robust growth in scale metrics for Q1 2025, with intensified support pledged to the real economy sector

【环球网财经综合报道】4月28日晚，厦门银行（股票代码：601187.SH）披露2025年第一季度业绩报告。面对复杂多变的外部环境，该行持续深化“结构优化、质效优先”战略，夯实经营基础，强化风险管控，实现资产规模稳步增长，不良贷款率持续保持低位，发展韧性进一步凸显。

Global Times Financial | April 28 – Xiamen Bank (601187.SH) released its Q1 2025 performance report, demonstrating operational resilience amid complex market dynamics. By advancing its "Structural Optimization, Quality-Efficiency Primacy" strategy, the Bank strengthened risk governance

规模指标稳健增长 服务实体经济力度加大

Robust Growth in Scale Metrics | Enhanced Real Economy Support

截至2025年3月末，厦门银行总资产达4,142.37亿元，较上年末增长1.58%；贷款与垫款总额2,105.78亿元，较上年末增长2.49%，其中一般贷款规模增幅2.75%，支持实体经济力度持续强化；总负债3,817.57亿元，较上年末增长1.69%；吸收存款总额2,213.76亿元，较上年末增长3.37%，增量同比多增211.99亿元。

As of March 31, 2025, Xiamen Bank (601187.SH) reported: Total Assets: RMB414.237 billion (↑1.58% YoY) Gross Loans & Advances: RMB210.578 billion (↑2.49% YoY) General Loans: ↑2.75% (accelerating real economy backing) Total Liabilities: RMB381.757 billion (↑1.69% YoY) Customer Deposits: RMB221.376 billion (↑3.37% YoY, +RMB21.199B vs 2024)

强化精细化经营管理 存款平均付息率持续压降

Precision Liability Management | Sustained Decline in Average Deposit Cost

面对行业净息差净息差持续收窄的压力，厦门银行聚焦负债端精细化管理，一季度存款平均付息率较上年度显著压降，有效缓解年初集中重定价带来的贷款平均收益率下行压力，增强经营韧性。2025年第一季度，该行实现营业收入12.14亿元、归属于母公司股东的净利润6.45亿元。

Amid industry-wide NIM compression pressures, Xiamen Bank (601187.SH) prioritized liability structure optimization. Q1 2025 saw a marked reduction in average deposit interest rates versus FY2024, effectively countering loan yield pressures from front-loaded repricing and enhancing operational resilience. Key performance metrics:Operating Income: RMB1.214 billionNet Profit Attributable to Parent Shareholders: RMB645 million

资产质量保持优异 风险抵补能力保持充足

Sustained Asset Quality Excellence | Robust Risk Buffers

2024年，厦门银行不良贷款余额、不良贷款率较上年末实现双降，不良资产管控能力持续加强。2025年一季度，该行进一步细化风险防控措施，提升不良清收处置效率，保障资产质量和风险抵补能力保持良好。截至2025年3月末，该行不良贷款率0.86%，持续处于行业低位；拨备覆盖率313.57%，风险抵御能力保持较高水平。

Xiamen Bank (601187.SH) achieved concurrent reduction in NPL balance and ratio through 2024, demonstrating enhanced credit risk governance. Q1 2025 saw further refinements in: Risk control frameworks NPL resolution efficiency This sustained sound asset quality and capital resilience. Key metrics as of March 31, 2025: NPL Ratio: 0.86% (industry-low) Provision Coverage: 313.57% (strong capital buffer)

坚守长期主义价值理念 分红率已连续四年超30%

Long-Term Value Commitment | >30% Dividend Payout for Fourth Straight Year

2024年，厦门银行领先同业落地实施中期分红，12月完成2024年中期利润分配派发，合计派发现金股利3.96亿元（含税）。2024年全年公司拟分配的现金分红总额（包括中期已分配的现金红利）共计为8.18亿元（含税），现金分红比例为31.53%，较2023年提升0.82个百分点。

Xiamen Bank (601187.SH) pioneered interim dividends among peers in 2024, distributing RMB396 million (gross) in December. The aggregate 2024 cash dividends reached RMB818 million (gross), representing: Dividend Payout Ratio: 31.53% 82 bps YoY increase vs 2023

从股东回报来看，厦门银行自上市以来坚持稳定、持续的分红，2021-2024年度现金分红率已连续四年超过30%，上市以来累计派现35.36亿元（含2024年年度分红），为IPO募集资金总额的近2倍。与此同时，该行董事会提请股东大会授权中期分红，拟制定并实施2025年中期分红，延续2024年全年开展二次分红的频率，持续回报投资者信任。持续高比例的分红彰显了该行与投资者共享价值创造成果的决心，充分展现了该行践行长期价值理念的决心。

From the perspective of shareholder returns, Xiamen Bank has insisted on stable and continuous dividends since its listing. The cash dividend rate from 2021 to 2024 has exceeded 30% for four consecutive years. Since its listing, it has distributed a total of 3.536 billion yuan in cash (including the annual dividend in 2024). Nearly twice the total amount of funds raised by IPO. At the same time, the bank's board of directors requested the shareholders' meeting to authorize mid-term dividends. It plans to formulate and implement mid-term dividends in 2025, continue the frequency of secondary dividends throughout 2024, and continue to repay investors' trust. The sustained high proportion of dividends demonstrates the bank's determination to share value creation results with investors, and fully demonstrates the bank's determination to practice long-term value concepts.

董监高继续增持 彰显对该行未来发展信心

Directors, supervisors and senior executives continue to increase their holdings to demonstrate confidence in the bank's future development

厦门银行4月28日晚同步发布的《董监高自愿增持公告》显示，基于对公司未来发展的信心和长期投资价值的认可，董监高以不低于税后薪酬10%增持，坚定支持该行高质量发展。在银行业深化改革进程中，管理层主动提升持股比例，既体现与股东利益的深度绑定，也凸显对区域经济转型与银行特色化经营路径的坚定支持。根据公告，增持计划将自即日起6个月内通过二级市场分步实施，持续向市场传递积极预期。

The "Announcement on Voluntary Increase of Holdings by Directors, Supervisors and Senior Management" issued by Xiamen Bank simultaneously on the evening of April 28 shows that based on confidence in the company's future development and recognition of long-term investment value, Directors, Supervisors and Senior Management increased their holdings by no less than 10% of after-tax salary, firmly supporting the high-quality development of the bank. In the process of deepening the reform of the banking industry, the management took the initiative to increase the shareholding ratio, which not only reflected the deep binding with the interests of shareholders, but also highlighted the firm support for regional economic transformation and the characteristic operation path of banks. According to the announcement, the shareholding increase plan will be implemented step by step through the secondary market within 6 months from now, and will continue to convey positive expectations to the market.

2025年第一季度，厦门银行凭借“结构优化、质效优先”战略，实现规模与质量双线并进，叠加连续四年超30%的高分红率，彰显其稳健经营与股东价值并重的长期主义理念。董监高主动增持更释放出对发展前景的强烈信心。未来，厦门银行将继续深耕区域经济，强化差异化服务能力，以金融活水精准滴灌实体经济，为高质量发展注入可持续动能。（一言）

In the first quarter of 2025, Xiamen Bank relied on the strategy of "structural optimization, quality and efficiency priority" to achieve dual-line progress in scale and quality, superimposed on a high dividend rate of over 30% for four consecutive years, demonstrating its long-termism of paying equal attention to stable operations and shareholder value. concept. Dong Jiangao's initiative to increase holdings has released strong confidence in the development prospects. In the future, Xiamen Bank will continue to deepen the regional economy, strengthen differentiated service capabilities, accurately drip irrigate the real economy with financial living water, and inject sustainable kinetic energy into high-quality development. (One word)