QILU BANK(SH:601665) Zhong Zheng Wang·2026-02-04 12:57Core Viewpoint - Qilu Bank has reported a strong performance for 2025, achieving double-digit growth in both asset scale and net profit, while continuously improving asset quality over the past seven years [1][2] Group 1: Financial Performance - As of the end of 2025, Qilu Bank's total assets exceeded 800 billion yuan, reaching 804.38 billion yuan, a year-on-year increase of 16.65% [1] - The total loan amount was 382.83 billion yuan, and total deposits were 489.53 billion yuan, representing year-on-year growth of 13.55% and 11.37%, respectively [1] - The bank's operating income for 2025 was 13.14 billion yuan, up 5.12% year-on-year [1] - Net interest income reached 10.52 billion yuan, reflecting a year-on-year increase of 16.48%, driven by an improved net interest margin of 1.53% and the expansion of interest-earning assets [1] - The net profit attributable to shareholders was 5.71 billion yuan, with a year-on-year growth of 14.58%, surpassing the industry average growth rate [1] Group 2: Asset Quality - The non-performing loan ratio decreased to 1.05%, down 0.14 percentage points from the previous year [1] - The provision coverage ratio increased to 355.91%, up 33.53 percentage points from the previous year, indicating enhanced risk resistance capabilities [1] Group 3: Shareholder Returns and Future Outlook - Qilu Bank announced a cash dividend plan to be implemented on February 11, 2026, proposing a distribution of 1.21 yuan per 10 shares, totaling 745 million yuan, which accounts for 28.48% of the net profit attributable to ordinary shareholders for the first half of 2025 [2] - The bank has consistently increased its total cash dividends since its listing, demonstrating its robust and sustainable profitability [2] - Looking ahead, Qilu Bank aims to focus on high-quality development, deepen reforms and digital transformation, strengthen its customer base and risk control system, and create sustainable value for shareholders, customers, and society [2]