Core Points - Qingdao Bank reported a net profit attributable to shareholders of 3.065 billion yuan for the first half of 2025, an increase of 424 million yuan, representing a growth of 16.05% [1] - The bank's operating income reached 7.662 billion yuan, up by 534 million yuan, which is a growth of 7.50% [1] - The annualized weighted average return on equity improved to 15.75%, an increase of 0.41 percentage points year-on-year [1] - Basic earnings per share rose to 0.53 yuan, an increase of 0.08 yuan, reflecting a growth of 17.78% [1] Asset Quality - As of June 30, 2025, the non-performing loan ratio stood at 1.12%, a decrease of 0.02 percentage points compared to the end of the previous year [1] - The provision coverage ratio improved to 252.80%, an increase of 11.48 percentage points year-on-year [1] Financial Position - Total assets amounted to 743.028 billion yuan, an increase of 53.065 billion yuan, representing a growth of 7.69% compared to the end of the previous year [1] - Total customer loans reached 368.406 billion yuan, up by 27.716 billion yuan, which is a growth of 8.14% [1] - Total liabilities were 695.944 billion yuan, an increase of 50.880 billion yuan, reflecting a growth of 7.89% [1] - Total customer deposits reached 466.140 billion yuan, an increase of 34.116 billion yuan, representing a growth of 7.90% [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 Bank of Qingdao Co., Ltd.* * H 3866 2025年半年度業績快報 二、經營業績和財務狀況情況說明 青島銀行股份有限公司（「本行」，連同其附屬公司，統稱為「本公司」）根據《香港聯合交易 所有限公司證券上市規則》（「上市規則」）第13.09條及香港法例第571章《證券及期貨條例》 第XIVA部項下之內幕消息條文（按上市規則定義）作出本公告。除特別說明外，本公告所 述的金額幣種為人民幣。 本公告所載2025年半年度的財務數據僅為根據中國企業會計準則初步核算的集團口徑數 據，未經會計師事務所審計，與2025年中期報告中披露的最終數據可能存在差異。本行 股東及潛在投資者於買賣本行證券時須謹慎行事。 一、2025年半年度主要財務數據和指標 除特別說明外，金額單位為人民幣千元 | | 2025年 | 2024年 | | | --- | --- | --- | --- | | | 1-6 ...

格隆汇7月31日｜青岛银行公告，2025年上半年营业收入76.62亿元，同比增长7.50%；净利润30.65亿 元，同比增长16.05%。截至2025年6月末，资产总额7430.28亿元，同比增长7.69%；不良贷款率1.12%， 比上年末下降0.02个百分点；拨备覆盖率252.80%，比上年末提高11.48个百分点。 ...

人民财讯7月31日电，青岛银行（002948）7月31日晚间发布业绩快报，2025年上半年营业收入为76.62 亿元，同比增长7.5%；归母净利润30.65亿元，同比增长16.05%；基本每股收益0.53元。截至2025年6月 末，公司不良贷款率1.12%，比上年末下降0.02个百分点；拨备覆盖率252.80%，比上年末提高11.48个 百分点。 ...

[Key Financial Data and Indicators](index=1&type=section&id=I.%20Key%20Financial%20Data%20and%20Indicators%20for%20the%20First%20Half%20of%202025) In the first half of 2025, Qingdao Bank achieved robust performance growth with revenue up 7.50% and net profit attributable to shareholders up 16.05%, while total assets expanded by 7.69% and asset quality improved with non-performing loan ratio decreasing to 1.12% and provision coverage ratio increasing to 252.80% Key Financial Data and Indicators | Item | Jan-Jun 2025 (Thousand Yuan) | Jan-Jun 2024 (Thousand Yuan) | Change (%) | | :--- | :--- | :--- | :--- | | **Operating Revenue** | 7,662,414 | 7,128,085 | 7.50% | | **Net Profit Attributable to Parent Company Shareholders** | 3,064,683 | 2,640,917 | 16.05% | | **Basic Earnings Per Share (Yuan/share)** | 0.53 | 0.45 | 17.78% | | **Weighted Average Return on Net Assets (Annualized, %)** | 15.75% | 15.34% | Increased by 0.41 percentage points | | **Item** | **As of Jun 30, 2025 (Thousand Yuan)** | **As of Dec 31, 2024 (Thousand Yuan)** | **Change (%)** | | **Total Assets** | 743,027,546 | 689,963,033 | 7.69% | | **Equity Attributable to Parent Company Shareholders** | 46,078,064 | 43,932,381 | 4.88% | | **Non-Performing Loan Ratio (%)** | 1.12% | 1.14% | Decreased by 0.02 percentage points | | **Provision Coverage Ratio (%)** | 252.80% | 241.32% | Increased by 11.48 percentage points | [Explanation of Operating Performance and Financial Condition](index=2&type=section&id=II.%20Explanation%20of%20Operating%20Performance%20and%20Financial%20Condition) In the first half of 2025, the company adhered to its annual operating philosophy of 'professional enhancement, digital empowerment, system optimization, and distinctive drive,' actively implementing key financial initiatives to achieve simultaneous improvements in business scale, operating efficiency, and asset quality - The company fully implemented central, provincial, and municipal strategic deployments, committed to high-quality development, and further advanced key financial initiatives[5](index=5&type=chunk) [Steady Growth in Operating Scale](index=2&type=section&id=Steady%20Growth%20in%20Operating%20Scale) As of June 2025, the company's business scale steadily expanded, with total assets reaching **743.028 billion yuan**, a 7.69% increase from year-end, and customer loans and deposits growing by 8.14% and 7.90% respectively Operating Scale Growth | Item | As of Jun 2025 (Billion Yuan) | Growth Rate vs. Year-End (%) | | :--- | :--- | :--- | | **Total Assets** | 743.028 | 7.69% | | **Total Customer Loans** | 368.406 | 8.14% | | **Total Liabilities** | 695.944 | 7.89% | | **Total Customer Deposits** | 466.140 | 7.90% | [Robust Improvement in Profitability](index=2&type=section&id=Robust%20Improvement%20in%20Profitability) In the first half of 2025, the company's profitability significantly strengthened, with net profit attributable to parent company shareholders and operating revenue growing by 16.05% and 7.50% respectively, and basic earnings per share increasing by 17.78% to **0.53 yuan** Profitability Indicators | Indicator | First Half 2025 (Billion Yuan) | Year-over-Year Growth | | :--- | :--- | :--- | | **Net Profit Attributable to Parent Company Shareholders** | 3.065 | 16.05% | | **Operating Revenue** | 7.662 | 7.50% | | **Weighted Average Return on Net Assets (Annualized)** | 15.75% | Increased by 0.41 percentage points | | **Basic Earnings Per Share (Yuan)** | 0.53 | 17.78% | [Continued Improvement in Asset Quality](index=2&type=section&id=Continued%20Improvement%20in%20Asset%20Quality) As of June 2025, the company's asset quality continued to improve, with the non-performing loan ratio decreasing by **0.02 percentage points** to **1.12%**, and risk coverage strengthening as the provision coverage ratio increased by **11.48 percentage points** to **252.80%** Asset Quality Indicators | Indicator | As of Jun 2025 | Change vs. Year-End | | :--- | :--- | :--- | | **Non-Performing Loan Ratio** | 1.12% | Decreased by 0.02 percentage points | | **Provision Coverage Ratio** | 252.80% | Increased by 11.48 percentage points | [Reference Documents](index=2&type=section&id=III.%20Reference%20Documents) The reference documents for this performance express report include comparative balance sheets and income statements signed and sealed by the company's senior management, including the legal representative, president, vice president in charge of finance, and general manager of the finance department - Reference documents include comparative balance sheets and income statements signed and sealed by the bank's current legal representative and Chairman Mr. Jing Zailun, President Mr. Wu Xianming, Vice President in charge of finance Ms. Chen Shuang, and General Manager of the Planning and Finance Department Mr. Li Zhendong[7](index=7&type=chunk)

青岛银行（002948）公告，2025年上半年营业收入76.62亿元，同比增长7.50%；净利润30.65亿元，同 比增长16.05%。截至2025年6月末，资产总额7430.28亿元，同比增长7.69%；不良贷款率1.12%，比上年 末下降0.02个百分点；拨备覆盖率252.80%，比上年末提高11.48个百分点。 ...

证券之星消息，7月31日城商行板块较上一交易日下跌1.69%，青岛银行领跌。当日上证指数报收于 3573.21，下跌1.18%。深证成指报收于11009.77，下跌1.73%。城商行板块个股涨跌见下表： 从资金流向上来看，当日城商行板块主力资金净流入3.55亿元，游资资金净流出3.48亿元，散户资金净流 出672.91万元。城商行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入(元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601009 南京银行 | | 1.36亿 | 18.02% | -7561.65万 | -10.00% | -6062.50万 | -8.02% | | 600926 杭州银行 | | 8796.45万 | 7.39% | -6639.21万 | -5.58% | -2157.24万 | -1.81% | | 002966 苏州银行 | | 5001.57万 | 15.54% | -2207.49万 | -6.86% ...

| 申万行业 | 行业涨跌（%） | 成交额（亿元） | 比上日（%） | 领涨（跌）股 | 涨跌幅（%） | | --- | --- | --- | --- | --- | --- | | 通信 | 1.27 | 506.97 | 26.53 | 鼎通科技 | 13.77 | | 计算机 | 0.93 | 664.64 | 4.83 | 数字认证 | 20.00 | | 电子 | 0.79 | 1142.17 | 12.36 | N鼎佳 | 466.40 | | 机械设备 | 0.03 | 599.41 | -0.23 | 方盛股份 | 16.36 | | 医药生物 | -0.05 | 880.55 | -15.62 | 灵康药业 | -5.74 | | 综合 | -0.09 | 9.51 | 1.04 | 红棉股份 | -2.08 | | 国防军工 | -0.11 | 347.81 | -24.32 | 博云新材 | -6.21 | | 传媒 | -0.64 | 264.13 | 6.53 | 吉视传媒 | -8.88 | | 社会服务 | -0.68 | 88.07 | 0.42 | 凯撒旅业 | -4 ...

整治"内卷式"竞争，在金融行业开启。 国家金融监管总局数据显示，今年一季度末，商业银行净息差为1.43%，较2024年末的1.52%又下探9个 BP，进一步远离了市场"红线"1.8%，意味着银行"赚钱"越来越难。 可以发现，银行机构的发展，逐渐从开拓增量，走向争夺存量，"内卷式"竞争愈加严重。 （原标题：记者观察丨银行业"内卷"的博弈困境：短期拉规模、长期藏风险） 近期，广东、宁波、安徽等地的金融监管部门、行业协会纷纷传达相关"反内卷"政策，或发布"反内 卷"自律公约。 从基层展业角度观察，为了维持一定的表象"数据"，"全员营销"、考核指标"层层加码"、季末考核时点 冲击数据，早已是公开的秘密。具体看，一些基层员工苦于指标的考核，在社交平台上互相"买数据"， 甚至为了完成时点任务，客户经理给客户贴息放贷。 记者梳理国家金融监管总局的行政处罚信息发现，虚增存贷款规模的罚单频繁发布，内容或是"同业互 作，虚增规模"，或是"以贷转存，虚增规模"。此外，过度放贷也会造成风控管理失效，记者观察到， 银行"掩盖不良"的罚单在近两年开始增多。 近期各地金融有关部门倡导"反内卷"，即从长远角度纠正当前不健康发展现象。如广东地 ...

Core Viewpoint - The financial industry is experiencing intensified "involution" competition, prompting regulatory bodies to implement "anti-involution" policies to address unhealthy competitive practices [1][4]. Group 1: Industry Overview - Financial institutions are shifting from expanding new business to competing for existing market share, leading to severe "involution" competition [2]. - The net interest margin for commercial banks has decreased to 1.43% as of the end of Q1 this year, down from 1.52% at the end of 2024, moving further away from the market "red line" of 1.8% [1]. Group 2: Competitive Practices - The most common manifestation of "involution" competition is the "price war" in loans, with consumer loan rates dropping to the "2" range from Q4 2024 to Q1 2025, as banks engage in aggressive marketing strategies [2]. - Regulatory scrutiny has increased, leading to a rise in annualized rates for consumer loan products above 3% since April [2]. Group 3: Risks and Consequences - The short-term strategy of expanding asset scale through "involution" may be seen as necessary for survival, but it risks compressing profit margins and increasing operational risks for banks [3]. - The practice of "data manipulation" among employees to meet performance metrics has become a known issue, with some resorting to unethical methods to achieve targets [3]. Group 4: Regulatory Response - Regulatory bodies are advocating for "anti-involution" measures to correct unhealthy development trends, with initiatives like the "Guangdong Banking Industry Anti-Unfair Competition Self-Regulation Convention (2025 Edition)" aimed at standardizing evaluation metrics and promoting rational pricing [4]. - To achieve sustainable development, banks, especially smaller ones, are encouraged to dynamically adjust their scale and pricing, enhance risk and capital management, and pursue differentiated growth strategies [4].