Zhi Tong Cai Jing·2025-08-04 02:46Core Viewpoint - Qingdao Bank reported a solid performance in its 2025 semi-annual earnings, showing growth in revenue and net profit, indicating a robust financial health and operational efficiency [1] Financial Performance - The bank's operating income reached 7.662 billion yuan, an increase of 534 million yuan, representing a growth of 7.50% year-on-year [1] - The net profit attributable to shareholders was 3.065 billion yuan, up by 424 million yuan, marking a growth of 16.05% year-on-year [1] - Basic earnings per share stood at 0.53 yuan, reflecting a steady improvement in profitability [1] Operational Growth - As of June 30, 2025, the total assets of the bank amounted to 743.028 billion yuan, an increase of 53.065 billion yuan, which is a growth of 7.69% compared to the end of the previous year [1] - The total customer loans reached 368.406 billion yuan, increasing by 27.716 billion yuan, a growth of 8.14% [1] - Total liabilities were 695.944 billion yuan, up by 50.880 billion yuan, representing a growth of 7.89% [1] - Customer deposits totaled 466.140 billion yuan, an increase of 34.116 billion yuan, reflecting a growth of 7.90% [1] Asset Quality - The non-performing loan ratio was 1.12% as of June 30, 2025, a decrease of 0.02 percentage points from the end of the previous year, indicating improved asset quality [1] - The provision coverage ratio improved to 252.80%, an increase of 11.48 percentage points compared to the end of the previous year, showcasing a stronger buffer against potential loan losses [1]