齐鲁银行上半年归母净利润同比增长16.48%至27.34亿元

Core Insights - Qilu Bank reported a revenue of 6.782 billion yuan for the first half of 2025, marking a year-on-year increase of 5.76% [1] - The net profit attributable to shareholders reached 2.734 billion yuan, up 16.48% year-on-year [1] - The bank's total assets amounted to 751.305 billion yuan, reflecting an 8.96% growth compared to the end of the previous year [1] Financial Performance - Net interest income was 4.986 billion yuan, with a year-on-year growth of 13.29% [1] - Net fee and commission income stood at 817 million yuan, increasing by 13.64% year-on-year [1] - Basic earnings per share were 0.54 yuan, representing a 17.39% increase year-on-year [1] Efficiency Metrics - The annualized return on average equity was 12.80%, up by 0.14 percentage points year-on-year [1] - The net interest margin improved to 1.53%, an increase of 2 basis points from the previous year [1] - The cost-to-income ratio decreased to 24.90%, down by 2.51 percentage points year-on-year [1] Business Scale - Total loans reached 371.410 billion yuan, growing by 10.16% compared to the end of the previous year [1] - Technology and green loan growth rates were 17.60% and 30.03%, respectively, both exceeding the average loan growth rate [1] - Total liabilities were 700.858 billion yuan, up 9.30% from the previous year-end [1] Asset Quality - The non-performing loan ratio was 1.09%, a decrease of 0.10 percentage points from the previous year-end [2] - The proportion of special mention loans was 0.96%, down by 0.11 percentage points year-on-year [2] - The provision coverage ratio improved to 343.24%, an increase of 20.86 percentage points from the previous year-end [2]