QILU BANK(SH:601665) 2 1 Shi Ji Jing Ji Bao Dao·2025-11-05 22:40Core Viewpoint - Qilu Bank's 2023-2025 development plan emphasizes digital transformation as the core driver for enhancing financial services and aligning with the needs of the real economy, aiming for robust performance by 2025 [1] Financial Performance - In the first three quarters of 2025, Qilu Bank achieved a net profit of 3.975 billion yuan, a year-on-year increase of 16.14% [2] - The bank's total assets reached 778.703 billion yuan, growing by 12.93% year-on-year, while total loans and deposits increased by 13.60% and 10.35%, respectively [3] - The net interest margin improved by 3 basis points to 1.54%, despite industry-wide pressure, contributing to a 17.31% increase in net interest income to 7.765 billion yuan [2][3] Cost Management and Asset Quality - The cost-to-income ratio decreased to 25.91%, down 1.50 percentage points from the previous year, indicating effective management [3] - The non-performing loan ratio stood at 1.09%, a reduction of 0.10 percentage points, with a provision coverage ratio of 351.43%, up 29.05 percentage points, enhancing risk resilience [3] Focus on Technological Innovation - Qilu Bank aims to serve new quality productivity as a core strategy, focusing on emerging industries such as information technology and high-end equipment [4] - The bank has established a specialized network for technology finance, including 2 technology branches and 3 specialized branches, with a loan balance for technology enterprises reaching 43.4 billion yuan, a 25% increase year-on-year [4] Future Outlook - Qilu Bank plans to increase credit support for emerging manufacturing, technological innovation, and green finance, targeting key projects and quality clients [5] - The bank will optimize its risk management system and enhance its strategic development focus in line with national and regional economic plans [5]