Core Viewpoint - The A-share banking sector has shown positive mid-year performance for 2025, with several banks reporting significant growth in both operating income and net profit, indicating a robust financial environment [1][2]. Group 1: Performance of Listed Banks - Five listed banks have reported positive growth in operating income and net profit for the first half of 2025, with four banks achieving double-digit growth in net profit [1][2]. - Notable performances include Hangzhou Bank with a net profit growth of 16.67% and Changshu Bank with an operating income growth of 10.10% [2][3]. - Ningbo Bank leads with an operating income of 371.60 billion yuan and a net profit of 147.72 billion yuan [2][3]. Group 2: Asset Quality and Capital Adequacy - As of June 2025, all five banks reported positive growth in total assets, with Ningbo Bank's total assets reaching 3.47 trillion yuan, a year-on-year increase of 11.04% [2][3]. - The non-performing loan (NPL) ratios for the banks remained stable or slightly decreased, with Hangzhou Bank maintaining the highest provision coverage ratio at 520.89% despite a year-on-year decline of 20.56 percentage points [5][6]. - Capital adequacy ratios for Ningbo Bank and Hangzhou Bank improved, with Ningbo Bank's capital adequacy ratio at 15.21% and core Tier 1 capital ratio at 9.65% [6][7]. Group 3: Non-Listed Banks Performance - Non-listed banks, including Chengdu Rural Commercial Bank, have also reported positive results, with Chengdu Rural Commercial Bank achieving an operating income of 95.37 billion yuan and a net profit of 42.31 billion yuan, both showing year-on-year growth [8][9]. - Other non-listed banks such as Tai Long Bank and Qin Nong Bank reported declines in net profit, indicating mixed performance across the sector [10]. Group 4: Future Outlook - Hangzhou Bank anticipates a better overall decline in interest margins for 2025 due to rapidly decreasing external funding costs and ongoing business structure optimization [5]. - Both Ningbo Bank and Hangzhou Bank expressed confidence in maintaining stable asset quality despite potential risks in small and micro loans [7].

Core Viewpoint - Qingdao Bank (002948.SZ) reported steady growth in operational scale and improved profitability in its semi-annual performance report for 2025, indicating a positive trend in asset quality and financial health [1] Financial Performance - As of June 30, 2025, the total assets of the company reached 743.03 billion yuan, an increase of 53.07 billion yuan, or 7.69% from the end of the previous year [1] - The total customer loans amounted to 368.41 billion yuan, up by 27.72 billion yuan, or 8.14% year-on-year [1] - Total liabilities were 695.94 billion yuan, increasing by 50.88 billion yuan, or 7.89% compared to the previous year [1] - Customer deposits totaled 466.14 billion yuan, rising by 34.12 billion yuan, or 7.90% year-on-year [1] Profitability - In the first half of 2025, the net profit attributable to shareholders was 3.065 billion yuan, an increase of 422 million yuan, or 16.05% year-on-year [1] - Operating revenue reached 7.662 billion yuan, up by 534 million yuan, or 7.50% compared to the previous year [1] - The annualized weighted average return on equity was 15.75%, an increase of 0.41 percentage points year-on-year [1] - Basic earnings per share were 0.53 yuan, an increase of 0.08 yuan, or 17.78% year-on-year [1] Asset Quality - As of June 30, 2025, the non-performing loan ratio was 1.12%, a decrease of 0.02 percentage points from the end of the previous year [1] - The provision coverage ratio improved to 252.80%, an increase of 11.48 percentage points compared to the previous year [1]

Core Viewpoint - Qingdao Bank has demonstrated steady growth in operational scale, profitability, and asset quality in the first half of 2025, maintaining strong performance amidst a complex economic environment [1][6]. Group 1: Financial Performance - As of June 30, 2025, Qingdao Bank's total assets reached 743.03 billion yuan, an increase of 7.69% compared to the end of the previous year [2] - The total customer loans amounted to 368.41 billion yuan, reflecting an 8.14% growth year-on-year [2] - Customer deposits totaled 466.14 billion yuan, with a growth rate of 7.9% [2] - The bank achieved operating revenue of 7.66 billion yuan, a year-on-year increase of 7.5% [2] - The net profit attributable to shareholders was 3.07 billion yuan, up 16.05% from the previous year, indicating a significant improvement in profitability [2] - The non-performing loan ratio stood at 1.12%, down by 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio improved to 252.8%, an increase of 11.48 percentage points, enhancing risk mitigation capabilities [2] Group 2: Strategic Initiatives - Qingdao Bank has focused on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with national strategies [3] - In technology finance, the bank's loans reached 27.30 billion yuan, significantly increasing year-on-year, supporting innovation and entrepreneurship [3] - The green loan balance was 43.72 billion yuan, growing over 17% compared to the previous year, reflecting the bank's commitment to the "dual carbon" strategy [3] - The bank has established a blue finance evaluation system and launched a "marine ranch + finance" service model, supporting the development of the marine economy [4] - Qingdao Bank has successfully implemented a sustainable development-linked syndicate loan, marking a significant achievement in the consumer finance sector [4] Group 3: Brand and Social Responsibility - The bank has enhanced its brand value and social responsibility, integrating corporate development with social value creation [5] - The "Happy Neighborhood" volunteer service team conducted over 270 activities, reaching more than 14,000 people, enhancing community engagement [5] - Qingdao Bank has partnered with Shandong University to establish a humanities and arts fund, contributing to educational and cultural development [5] - The bank ranked 270th in the 2025 Global Bank 1000 list and 495th in the Fortune China 500 list, highlighting its regional significance and brand value [6] - The bank's performance reflects its resilience and commitment to serving the local economy and national strategies [6]

Core Viewpoint - Qingdao Bank demonstrates resilience in development with significant growth in asset scale, profit, and asset quality in the first half of 2025, highlighting its strategic focus on regional economic development and specialized financial services [1][2][9] Group 1: Financial Performance - As of June 30, 2025, Qingdao Bank's total assets reached 743 billion yuan, a year-on-year increase of 7.69% [2] - The total customer loans amounted to 368.4 billion yuan, growing by 8.14% compared to the previous year [2] - Customer deposits totaled 466.1 billion yuan, with a growth rate of 7.9% [2] - The bank achieved an operating income of 7.7 billion yuan, reflecting a year-on-year growth of 7.5% [2] - Net profit attributable to shareholders exceeded 3 billion yuan, with a remarkable increase of 16.05% year-on-year [2] Group 2: Asset Quality and Risk Management - The non-performing loan ratio decreased to 1.12%, down by 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio significantly increased by 11.48 percentage points to 252.8%, indicating enhanced risk resilience [2] - Qingdao Bank implemented 12 risk management measures across five key areas, improving its risk assessment and management capabilities [3] Group 3: Specialized Financial Services - Qingdao Bank launched the "Qingchuyublue" brand strategy, offering 14 specialized blue financial products to support marine-related enterprises [4] - The balance of blue loans reached nearly 20 billion yuan, serving over 500 clients [4] - The bank has developed a "technology finance + new productivity" model, enhancing its service efficiency and precision [5][6] Group 4: Regional Economic Support - Qingdao Bank established inclusive financial service stations in nearly 1,500 villages, enhancing support for rural revitalization [7] - The opening of the Liaocheng branch marked the bank's full coverage of all 16 cities in Shandong Province [7] - The bank's comprehensive operations have shown significant results, with a notable increase in the proportion of entity business [7] Group 5: Internationalization and Cross-Border Services - Qingdao Bank became the first local bank in Shandong to gain direct participation in the RMB Cross-Border Payment System (CIPS) [8] - The bank's proprietary "Qingyin Huitong" system enables efficient cross-border payment services, reducing transaction times to under 10 minutes [8] - The bank's international business scale remains leading among local banks in Shandong, leveraging its port city advantages [8] Group 6: Brand Recognition - Qingdao Bank ranked on the "China's 500 Most Valuable Brands" list for the ninth consecutive year, with a brand value of 36.236 billion yuan [9] - The bank's unique focus on "blue" financial services and its commitment to regional economic development have garnered widespread market recognition [9]

监管 01 国常会：部署实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策 7月31日讯，据央视新闻，李强主持召开国务院常务会议，部署实施个人消费贷款贴息政策与服务业经营主体贷款 贴息政策。 04 廊坊银行被罚195.7万元 7月31日讯，中国人民银行河北省分行公布的行政处罚信息显示，廊坊银行因"违反金融统计管理规定；违反账户 管理规定；违反金融科技管理规定；占压财政存款或资金；未按规定履行客户身份识别义务；未按规定报送大额 交易报告或者可疑交易报告；违反信用信息采集、提供、查询相关管理规定"，被监管警告，罚款195.7万元。 05 02 央行：截至6月末，全国共有小额贷款公司4974家 7月31日讯，央行发布2025年二季度小额贷款公司统计数据报告，截至2025年6月末，全国共有小额贷款公司4974 家。贷款余额7361亿元，上半年减少187亿元。 银行 03 徽商银行董事长离任 7月31日讯，徽商银行（3698.HK）公告称，因工作调动，该行董事长严琛于2025年7月30日辞任该行董事长、执 行董事等一系列职务，其辞任自即日起生效。 青岛银行发布2025年半年度业绩快报 7月31日，青岛银行（00294 ...

青岛银行股份有限公司 境内同步披露公告 本行及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、误导性陈 述或者重大遗漏。 青岛银行股份有限公司根据《香港联合交易所有限公司证券上市规则》规定， 已在香港联合交易所有限公司披露易网站（https://www.hkexnews.hk/）披露后附 公告。 根据《深圳证券交易所股票上市规则》关于上市公司在境内外证券交易所同 步披露公告的规定，特将该公告在深圳证券交易所网站（http://www.szse.cn/）同 步披露，供参阅。 特此公告。 青岛银行股份有限公司董事会 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年7月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 青島銀行股份有限公司 呈交日期: 2025年8月1日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | ...

齐鲁银行贷款增速超过10%，截至上半年末，该行资产总额7513.05亿元，较上年末增加617.66亿元，增 长8.96%；贷款总额3714.1亿元，较上年末增加342.68亿元，增长10.16%；存款总额4785.71亿元，较上 年末增加390.3亿元，增长8.88%。 上市银行陆续披露业绩快报，5家城农商行上半年业绩率先出炉。 截至7月31日，已有青岛银行、齐鲁银行、宁波银行、杭州银行及常熟银行5家A股上市城农商行发布业 绩快报，上半年营业收入、归母净利润双双正增长，资产质量指标保持稳定。 据梳理，在已披露业绩快报的5家上市银行中，4家归母净利润实现两位数增长，3家同比增速超16%。 2025年上半年，杭州银行、青岛银行、齐鲁银行分别实现归母净利润116.62亿元、30.65亿元、27.34亿 元，同比增长16.67%、16.05%、16.48%。常熟银行实现归属于本行普通股股东的净利润19.69亿元，同 比增长13.55%；宁波银行归母净利润为147.72亿元，较上年同期增长8.23%。 在营业收入增速方面，仅常熟银行达到10%，其余均维持在个位数增长。据常熟银行披露，该行聚焦主 责主业，资产负债双向发力 ...

Core Insights - Qingdao Bank reported a net profit attributable to shareholders of 3.065 billion yuan for the first half of 2025, an increase of 424 million yuan, representing a growth of 16.05% [1] - The bank's operating income reached 7.662 billion yuan, up by 534 million yuan, which is a growth of 7.50% [1] - The annualized weighted average return on equity improved to 15.75%, an increase of 0.41 percentage points year-on-year [1] Financial Performance - Basic earnings per share rose to 0.53 yuan, an increase of 0.08 yuan, reflecting a growth of 17.78% [1] - As of June 30, 2025, total assets amounted to 743.028 billion yuan, an increase of 53.065 billion yuan, or 7.69% from the end of the previous year [1] - Total customer loans reached 368.406 billion yuan, up by 27.716 billion yuan, which is a growth of 8.14% [1] - Total liabilities were 695.944 billion yuan, an increase of 50.880 billion yuan, or 7.89% [1] - Customer deposits totaled 466.140 billion yuan, up by 34.116 billion yuan, reflecting a growth of 7.90% [1] Asset Quality - The non-performing loan ratio stood at 1.12%, a decrease of 0.02 percentage points compared to the end of the previous year [1] - The provision coverage ratio improved to 252.80%, an increase of 11.48 percentage points year-on-year [1]

尤为重要的是，青岛银行近年来持续保持较高分红水平，形成了稳定的投资者回报机制。今年6月18 日，该行发布公告称，2024年度A股利润分配方案为"每10股派1.60元"，现金分红总额约9.31亿元（含 税），现金分红比例维持在33%以上。这一数据不仅连续四年保持稳定，更显著高于上市城商行28%的 平均分红水平，体现了该行对股东回报的高度重视。 青岛银行（002948）（002948.SZ；03866.HK）于7月31日发布2025年半年度业绩快报。数据显示，该 行上半年实现归属于母公司股东的净利润30.65亿元，同比增长16.05%；营业收入达76.62亿元，同比增 长7.50%；资产总额突破7430亿元，较上年末增长7.69%。截至上半年末，青岛银行在盈利能力、资产 规模和资产质量等方面均实现稳步提升，加权平均净资产收益率（年化）达15.75%，同比提高0.41个百 分点。 值得关注的是，青岛银行的股权结构或将迎来重要变化。6月11日，该行公告显示，青岛国信发展（集 团）有限责任公司计划通过子公司增持股份至不超过19.99%，若获批将跃居第一大股东。此次股权结 构调整可能重塑青岛银行的公司治理格局，地方国资话 ...

证券之星消息，8月1日城商行板块较上一交易日上涨1.08%，宁波银行领涨。当日上证指数报收于 3559.95，下跌0.37%。深证成指报收于10991.32，下跌0.17%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 002142 | 宁波银行 | 28.48 | 2.19% | 40.15万 | | 11.38亿 | | 6000000 | 南京银行 | 11.68 | 1.74% | 53.44万 | | 6.19亿 | | 601838 | 成都银行 | 18.72 | 1.35% | 29.71万 | | 5.51亿 | | 600926 | 杭州银行 | 16.26 | 1.31% | 57.32万 | | 9.26亿 | | 002948 | 青岛银行 | 4.81 | 1.26% | 90.82万 | | 4.45 乙 | | 616009 | 江苏银行 | 11.44 | 1.24% | 129.60万 | | 14.71亿 | | ...