QILU BANK(SH:601665) Chang Jiang Shang Bao·2025-09-16 23:22Core Viewpoint - Qilu Bank's executives are voluntarily increasing their shareholdings, reflecting confidence in the bank's value and future growth prospects [1][5]. Group 1: Executive Shareholding - On September 15, Qilu Bank announced that certain directors, supervisors, and senior management plan to increase their shareholdings through a centralized bidding process, with a total investment of no less than 3.5 million yuan [2][4]. - This increase in shareholding is part of a broader trend, as Qilu Bank's executives have made multiple purchases since its listing in June 2021 [3][4]. - The current shareholding plan has no price range and is set to be executed from September 16, 2025, to December 31, 2025, with a six-month lock-up period post-purchase [2][4]. Group 2: Financial Performance - For the first half of 2025, Qilu Bank reported operating income of 6.782 billion yuan, a year-on-year increase of 5.76%, and a net profit of 2.734 billion yuan, up 16.48% [6][7]. - The bank's net interest income reached 4.986 billion yuan, reflecting a 13.29% increase, with net interest margin and net interest spread at 1.48% and 1.53%, respectively, both showing slight improvements [6][7]. - As of June 30, 2025, Qilu Bank's total assets amounted to 751.305 billion yuan, an 8.96% increase from the previous year, while total loans reached 371.410 billion yuan, up 10.16% [6][7]. Group 3: Loan and Asset Quality - The bank's corporate loan balance (excluding discounts) was 278.061 billion yuan, a 15.72% increase, while personal loans decreased by 4.38% to 82.635 billion yuan [7]. - Qilu Bank has focused on enhancing financial services, particularly in technology and green sectors, with technology loans growing by 17.60% and green loans by 30.03% [7]. - As of June 30, 2025, the non-performing loan balance was 4.049 billion yuan, with a non-performing loan ratio of 1.09%, showing a slight improvement from the previous year [7].