Xiamen Bank Expects Significant Narrowing in Full-Year Net Interest Margin Decline

Deep News11-24

On November 24, Xiamen Bank Co., Ltd. released its investor relations activity record. Regarding the net interest margin (NIM) trend, the bank stated that its NIM rebounded to 1.08% in the first half of the year compared to Q1, supported by continuous structural optimization and effective liability cost management. The NIM remained stable in Q3.

The bank highlighted two key strategies: increasing corporate loan allocations to raise the proportion of higher-yielding general loans while mitigating yield declines, and deepening liability cost control through product and maturity structure optimization to steadily reduce interest-bearing liability costs.

Xiamen Bank further projected that the full-year NIM decline would narrow significantly compared to the same period last year.

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