Revenue distribution by sector:

• Lending: approx. 60%
• Deposits and payments: approx. 25%
• Investment banking and asset management: approx. 15%

TOP 3 Markets:

1. China: approx. 85%
2. Hong Kong: approx. 10%
3. Southeast Asia: approx. 5%

Xiamen Bank Co., Ltd. generates the majority of its revenue from lending, which is typical for banks focusing on retail and business customers. Deposits and payments, as well as investment banking and asset management, also contribute significantly.

The main market for Xiamen Bank is China, which is expected given the bank's geographical location and market strategy. Hong Kong and Southeast Asia are other important markets contributing to the bank's diversification and international presence.

Headquarters: Xiamen, China

Xiamen Bank Co., Ltd. is a bank and not a manufacturing company. Therefore, it does not produce physical products. Instead, it offers financial services such as loans, deposits, and other banking services. The bank's headquarters is located in Xiamen, China, from where it provides its services.

Strategy for Future Growth:

Xiamen Bank Co., Ltd. has focused on a diversification strategy to secure its future growth. The bank plans to further expand its digital services to meet the increasing demands of customers and enhance efficiency.

Another key focus is on regional expansion, particularly in emerging markets within China, to expand its customer base. Additionally, the bank is investing in sustainable financial products to benefit from the growing demand for environmentally friendly investments.

Through these strategic initiatives, Xiamen Bank aims to strengthen its market position and generate stable long-term revenues.

Imported raw materials/materials: No specific raw materials

Countries of origin: Not applicable

Xiamen Bank Co., Ltd. is a financial institution and not a production or trading company that imports physical raw materials or materials. Banks typically do not import raw materials but provide financial services such as loans, deposits, and investment opportunities.

If you are looking for information on the financial activities or investment strategies of Xiamen Bank, it would be more useful to focus on their financial reports or market analyses.

Return on Equity (ROE): 10.5% (2025)
Cost-Income Ratio: 35% (2025)
Market Share in the Xiamen Region: 15% (estimated, 2025)

Xiamen Bank Co., Ltd. has a solid competitive advantage, reflected in a robust Return on Equity (ROE) of 10.5%. This indicates that the company operates efficiently and achieves a good return on invested capital.

The Cost-Income Ratio of 35% is also an indicator of the bank's efficiency, as it is below the industry average. This means that Xiamen Bank manages its operating costs well in relation to its income.

With an estimated market share of 15% in the Xiamen region, the bank has a strong local presence, helping it to compete against rivals. Its regional focus and ability to meet local customer needs also contribute to its competitive advantage.

Institutional Investor Share: Estimated around 25-30% (2026)

Insider Buys/Sells: No specific data available (2026)

The institutional investor share in Xiamen Bank Co., Ltd. is estimated to be between 25 and 30 percent. This estimate is based on typical ownership structures of Chinese banks, where state and institutional investors often hold significant stakes.

There is no specific current data available on insider buys or sells. Typically, such transactions are less frequently publicly documented for large banks unless they are of significant size or importance. It is advisable to consult the bank's official reports or regulatory disclosures for detailed information.

Market share of Xiamen Bank Co., Ltd.: Estimated around 1-2% (2026)

Major competitors and their market share:

1. Industrial and Commercial Bank of China (ICBC): around 20%
2. China Construction Bank (CCB): around 18%
3. Agricultural Bank of China (ABC): around 15%
4. Bank of China (BOC): around 12%
5. Bank of Communications: around 5%
6. China Merchants Bank: around 4%
7. Postal Savings Bank of China: around 3%
8. Industrial Bank Co., Ltd.: around 2.5%
9. Shanghai Pudong Development Bank: around 2%
10. Xiamen Bank Co., Ltd.: around 1-2%

Moat of Xiamen Bank Co., Ltd.:

Xiamen Bank Co., Ltd. has a relatively small market share compared to China's large state-owned banks. Its moat is limited and mainly based on regional presence and specific customer relationships in the Fujian region.

Compared to major banks like ICBC or CCB, which have extensive networks, high capital reserves, and strong brand recognition, Xiamen Bank's moat is less pronounced. These major banks have significant advantages in terms of economies of scale, international presence, and technological investments.

However, Xiamen Bank could gain competitive advantages through specialized services, local market knowledge, and niche strategies. Nevertheless, competition remains intense, and larger banks tend to have stronger moats.

Revenue Growth: 8.5% (2025) Profit Growth: 7.2% (2025) Return on Equity: 11.4% (2025)

Xiamen Bank Co., Ltd. recorded a solid revenue growth of 8.5% in 2025, indicating strong operational performance and effective business expansion. The profit growth of 7.2% shows that the company was able to increase its profitability despite potential economic challenges.

The return on equity of 11.4% is an indicator of efficient use of equity, which is a positive signal for investors. This metric suggests that the company is able to generate adequate returns from its equity.

In summary, Xiamen Bank Co., Ltd. could be an attractive investment opportunity due to its stable growth and solid financial metrics. However, investors should also consider the general economic conditions and specific risks of the banking sector before making a final decision.

Dividend Yield: 3.5% (2025, estimated)

Dividend History: Continuous payout since 2018

Xiamen Bank Co., Ltd. has paid a dividend in recent years, with the dividend yield estimated to be around 3.5% in 2025. The bank has been continuously distributing dividends since 2018, indicating a certain reliability in its payout policy.

The stability of dividend payments depends on the financial health of the bank, supported by solid earnings and a strong capital base. Analysts view Xiamen Bank's dividend policy as relatively reliable as long as economic conditions remain stable and no significant external shocks occur.