获批！三家村镇银行将“变身”

Core Viewpoint - Qingdao Rural Commercial Bank has been approved to absorb and merge three village banks, transforming them into branches, which is part of a broader strategy to enhance regional financial services and consolidate its operations [1][3]. Group 1: Mergers and Acquisitions - On September 30, the Shandong Financial Regulatory Bureau announced the approval for Qingdao Rural Commercial Bank to absorb and merge Jining Lanhai Village Bank, Rizhao Lanhai Village Bank, and Shandong Yinan Lanhai Village Bank, converting them into branches [1]. - Since 2024, Qingdao Rural Commercial Bank has frequently absorbed and merged village banks, including proposals to merge additional banks and convert them into branches [3]. - The bank has initiated seven equity increases in its affiliated village banks since the second half of 2024, indicating a strong commitment to consolidating its holdings [3]. Group 2: Financial Performance - As of June 30, the total assets of Qingdao Rural Commercial Bank amounted to 505.246 billion yuan, reflecting a year-on-year growth of 6.28% [4]. - The bank reported an operating income of 5.752 billion yuan, a decrease of 1.83% year-on-year, while the net profit attributable to shareholders was 2.134 billion yuan, an increase of 5.22% [4]. - The non-performing loan ratio stood at 1.75%, a slight decrease of 0.04 percentage points from the end of the previous year, with a provision coverage ratio of 249%, down by 1.53 percentage points [4].