Zhong Guo Zheng Quan Bao·2025-08-01 12:18Core 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]