齐鲁银行股份有限公司2025年半年度报告摘要

Core Viewpoint - The report highlights the financial performance and operational achievements of Qilu Bank for the first half of 2025, showcasing growth in assets, loans, and profitability while maintaining strong asset quality indicators [7][8]. Group 1: Company Overview - Qilu Bank focuses on supporting the real economy through increased credit provision, aligning with central and local government policies [7]. - The bank's total assets reached 751.305 billion yuan, an increase of 8.96% compared to the end of the previous year [8]. Group 2: Financial Performance - Total loans amounted to 371.410 billion yuan, reflecting a growth of 10.16% year-on-year [8]. - The bank's total liabilities were 700.858 billion yuan, up 9.30% from the previous year, while total deposits reached 478.571 billion yuan, increasing by 8.88% [8]. - Operating income for the period was 6.782 billion yuan, a year-on-year increase of 5.76%, with net interest income rising by 13.29% to 4.986 billion yuan [8]. Group 3: Profitability Metrics - Net profit attributable to shareholders was 2.734 billion yuan, marking a 16.48% increase year-on-year, with basic earnings per share at 0.54 yuan, up 17.39% [8]. - The annualized return on average equity was 12.80%, an increase of 0.14 percentage points compared to the previous year [8]. - The net interest margin improved to 1.53%, up by 2 basis points [8]. Group 4: Asset Quality - The non-performing loan ratio stood at 1.09%, a decrease of 0.10 percentage points from the previous year [8]. - The coverage ratio for loan loss provisions was 343.24%, an increase of 20.86 percentage points year-on-year [8].