Core Insights - In 2024, three listed city commercial banks in Shandong presented differentiated performance, with Qingdao Bank leading in net profit growth at 20.16%, while Weihai Bank had the highest net interest margin at 1.77% [1][2]. - Qilu Bank achieved the largest net profit of 4.986 billion yuan, followed by Qingdao Bank at 4.264 billion yuan and Weihai Bank at 1.992 billion yuan [1]. Financial Performance - Qingdao Bank ranked first in revenue with 13.498 billion yuan, followed by Qilu Bank at 12.496 billion yuan and Weihai Bank at 9.316 billion yuan, with Qingdao Bank also showing a revenue growth of 8.22% [3]. - Qilu Bank led in asset scale growth at 14.01%, with Qingdao Bank and Weihai Bank at 13.48% and 12.65% respectively [4]. Asset Quality - Qilu Bank had the highest return on equity (ROE) at 12.52%, while Qingdao Bank followed at 11.51% and Weihai Bank at 8.47% [6]. - Weihai Bank reported the highest non-performing loan (NPL) ratio at 1.41%, with Qilu Bank and Qingdao Bank at 1.14% and 1.19% respectively [7]. Business Structure - Qilu Bank's corporate banking business accounted for over 56% of its revenue, while Qingdao Bank's retail banking contributed significantly, with 27.61% of its revenue [8]. - Weihai Bank had the highest proportion of corporate banking business at 62.45%, while Qingdao Bank excelled in retail banking [8]. Loan and Deposit Growth - Qingdao Bank's total loans reached 340.69 billion yuan, growing by 12.53%, while Qilu Bank's loans were 337.14 billion yuan, growing by 12.31% [3]. - All three banks maintained double-digit growth in loans and deposits, although deposit growth rates showed a decline compared to the previous year [3].