On September 9, Xiamen Bank Co.,Ltd. released an investor relations activity record announcement, responding to investor questions raised during the 2025 interim performance briefing.
Regarding dividend-related matters, Xiamen Bank Co.,Ltd. emphasized that the company highly values investor returns and has maintained a stable and consistent dividend policy since its listing. In 2024, the bank implemented interim dividends for the first time, achieving a cash dividend ratio of 32.62%, marking a new high since listing. The full-year 2024 cash dividend ratio reached 31.53%, exceeding 30% for four consecutive years, continuously enhancing investors' sense of gain and return while striving to improve comprehensive investment returns. Currently, the bank's shareholders' meeting has authorized the board of directors to decide on the 2025 interim dividend plan.
Concerning net interest margin issues, Xiamen Bank Co.,Ltd. stated that with the effectiveness of structural optimization and liability cost control measures, the net interest margin in the first half of the year rose 4 basis points compared to the first quarter, with the year-over-year decline significantly narrowing compared to the first half of 2024. The bank will continue dual efforts on both asset and liability sides, systematically increasing the volume and quality of general loans while further improving demand deposits and reducing deposit duration to stabilize net interest margin. Regarding capital supplementation, Xiamen Bank Co.,Ltd. will strive to broaden capital supplementation channels and continuously optimize medium and long-term asset-liability structure to support the steady development of the bank's various businesses. Currently, the bank's 5 billion yuan convertible bond project remains under review at the Shanghai Stock Exchange.
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