Cai Jing Wang·2025-10-29 05:23Core Insights - Qingdao Bank reported a net profit attributable to shareholders of 3.992 billion yuan for the first three quarters of 2025, an increase of 537 million yuan, or 15.54% year-on-year [1] - The bank's total operating income reached 11.013 billion yuan, up by 527 million yuan, or 5.03% year-on-year [1] - The annualized weighted average return on equity improved to 13.16%, an increase of 0.48 percentage points compared to the previous year [1] Financial Performance - As of September 30, 2025, total assets amounted to 765.571 billion yuan, an increase of 75.608 billion yuan, or 10.96% from the end of the previous year [1] - Total liabilities reached 718.417 billion yuan, up by 73.354 billion yuan, or 11.37% year-on-year [1] - Customer loans totaled 375.298 billion yuan, an increase of 34.608 billion yuan, or 10.16% from the end of the previous year, with a year-on-year increase of 3.571 billion yuan [1] - Customer deposits amounted to 481.727 billion yuan, up by 49.703 billion yuan, or 11.50% year-on-year, with a year-on-year increase of 7.573 billion yuan [1] Regulatory Indicators - The non-performing loan ratio stood at 1.10%, a decrease of 0.04 percentage points from the end of the previous year [2] - The provision coverage ratio improved to 269.97%, an increase of 28.65 percentage points year-on-year [2] - The core tier 1 capital adequacy ratio was 8.75%, down by 0.36 percentage points from the end of the previous year [2] - The overall capital adequacy ratio was 13.14%, a decrease of 0.66 percentage points compared to the previous year [2]