QILU BANK(SH:601665) Zheng Quan Ri Bao·2025-10-30 23:03Core Viewpoint - The company reported solid financial performance for the third quarter of 2025, with significant growth in assets, loans, and net profit, indicating a stable operational environment and effective management strategies [5][6]. Financial Performance - Total assets reached 778.703 billion RMB, an increase of 89.164 billion RMB, or 12.93%, compared to the end of the previous year [6]. - Total loans amounted to 383.007 billion RMB, up by 45.865 billion RMB, or 13.60%, representing 49.19% of total assets, an increase of 0.29 percentage points [6]. - Total liabilities were 725.944 billion RMB, increasing by 84.740 billion RMB, or 13.22% [6]. - Total deposits reached 485.023 billion RMB, an increase of 45.482 billion RMB, or 10.35% [6]. - Operating income for the first three quarters was 9.924 billion RMB, a year-on-year increase of 4.63% [6]. - Net interest income was 7.765 billion RMB, up 17.31% year-on-year, with a net interest margin of 1.54%, an increase of 3 basis points [6]. - Net profit for the period was 3.975 billion RMB, reflecting a year-on-year growth of 16.14% [6]. - Basic earnings per share were 0.72 RMB, a 9.09% increase year-on-year [6]. Asset Quality - The non-performing loan ratio was 1.09%, a decrease of 0.10 percentage points from the end of the previous year [6]. - The proportion of loans under special attention was 0.96%, down by 0.11 percentage points [6]. - The provision coverage ratio improved to 351.43%, an increase of 29.05 percentage points [6]. Corporate Governance - The board of directors and senior management confirmed the accuracy and completeness of the quarterly report, taking legal responsibility for its content [2][3]. - The third quarter report was approved during the 18th meeting of the 9th board of directors held on October 30, 2025 [2][25].