2025-07-31 11:05Key Financial Data and Indicators In the first half of 2025, Qingdao Bank achieved robust performance growth with revenue up 7.50% and net profit attributable to shareholders up 16.05%, while total assets expanded by 7.69% and asset quality improved with non-performing loan ratio decreasing to 1.12% and provision coverage ratio increasing to 252.80% Key Financial Data and Indicators | Item | Jan-Jun 2025 (Thousand Yuan) | Jan-Jun 2024 (Thousand Yuan) | Change (%) | | :--- | :--- | :--- | :--- | | Operating Revenue | 7,662,414 | 7,128,085 | 7.50% | | Net Profit Attributable to Parent Company Shareholders | 3,064,683 | 2,640,917 | 16.05% | | Basic Earnings Per Share (Yuan/share) | 0.53 | 0.45 | 17.78% | | Weighted Average Return on Net Assets (Annualized, %) | 15.75% | 15.34% | Increased by 0.41 percentage points | | Item | As of Jun 30, 2025 (Thousand Yuan) | As of Dec 31, 2024 (Thousand Yuan) | Change (%) | | Total Assets | 743,027,546 | 689,963,033 | 7.69% | | Equity Attributable to Parent Company Shareholders | 46,078,064 | 43,932,381 | 4.88% | | Non-Performing Loan Ratio (%) | 1.12% | 1.14% | Decreased by 0.02 percentage points | | Provision Coverage Ratio (%) | 252.80% | 241.32% | Increased by 11.48 percentage points | Explanation of Operating Performance and Financial Condition In the first half of 2025, the company adhered to its annual operating philosophy of 'professional enhancement, digital empowerment, system optimization, and distinctive drive,' actively implementing key financial initiatives to achieve simultaneous improvements in business scale, operating efficiency, and asset quality - The company fully implemented central, provincial, and municipal strategic deployments, committed to high-quality development, and further advanced key financial initiatives5 Steady Growth in Operating Scale As of June 2025, the company's business scale steadily expanded, with total assets reaching 743.028 billion yuan, a 7.69% increase from year-end, and customer loans and deposits growing by 8.14% and 7.90% respectively Operating Scale Growth | Item | As of Jun 2025 (Billion Yuan) | Growth Rate vs. Year-End (%) | | :--- | :--- | :--- | | Total Assets | 743.028 | 7.69% | | Total Customer Loans | 368.406 | 8.14% | | Total Liabilities | 695.944 | 7.89% | | Total Customer Deposits | 466.140 | 7.90% | Robust Improvement in Profitability In the first half of 2025, the company's profitability significantly strengthened, with net profit attributable to parent company shareholders and operating revenue growing by 16.05% and 7.50% respectively, and basic earnings per share increasing by 17.78% to 0.53 yuan Profitability Indicators | Indicator | First Half 2025 (Billion Yuan) | Year-over-Year Growth | | :--- | :--- | :--- | | Net Profit Attributable to Parent Company Shareholders | 3.065 | 16.05% | | Operating Revenue | 7.662 | 7.50% | | Weighted Average Return on Net Assets (Annualized) | 15.75% | Increased by 0.41 percentage points | | Basic Earnings Per Share (Yuan) | 0.53 | 17.78% | Continued Improvement in Asset Quality As of June 2025, the company's asset quality continued to improve, with the non-performing loan ratio decreasing by 0.02 percentage points to 1.12%, and risk coverage strengthening as the provision coverage ratio increased by 11.48 percentage points to 252.80% Asset Quality Indicators | Indicator | As of Jun 2025 | Change vs. Year-End | | :--- | :--- | :--- | | Non-Performing Loan Ratio | 1.12% | Decreased by 0.02 percentage points | | Provision Coverage Ratio | 252.80% | Increased by 11.48 percentage points | Reference Documents The reference documents for this performance express report include comparative balance sheets and income statements signed and sealed by the company's senior management, including the legal representative, president, vice president in charge of finance, and general manager of the finance department - Reference documents include comparative balance sheets and income statements signed and sealed by the bank's current legal representative and Chairman Mr. Jing Zailun, President Mr. Wu Xianming, Vice President in charge of finance Ms. Chen Shuang, and General Manager of the Planning and Finance Department Mr. Li Zhendong7