Core Viewpoint - Qingdao Bank's 2025 semi-annual report showcases significant growth in revenue and net profit, reflecting a strong operational performance amid a focus on quality and risk management [1][3]. Financial Performance - Revenue for the first half of 2025 reached 7.662 billion yuan, a year-on-year increase of 7.50% [2]. - Net profit amounted to 3.152 billion yuan, representing a year-on-year growth of 16.25% [1][2]. - Total assets stood at 743.028 billion yuan, up 7.69% from the end of the previous year [1]. - The weighted average return on equity was 15.75%, an increase of 0.41 percentage points year-on-year [2]. - The non-performing loan ratio decreased to 1.12%, down 0.02 percentage points from the end of the previous year [1][3]. - Provision coverage ratio improved to 252.80%, up 11.48 percentage points [1][3]. - Capital adequacy ratio was reported at 13.52% [1]. Asset Quality and Risk Management - Qingdao Bank has successfully reduced its non-performing loan ratio while increasing its provision coverage, indicating strong risk management practices [3]. - The bank's focus on maintaining high asset quality has allowed for sustainable profit growth [3]. Lending and Support for the Real Economy - As of the end of the reporting period, the bank's corporate loan balance was 292.612 billion yuan, an increase of 30.258 billion yuan, or 11.53% [4]. - Over 70% of the bank's credit resources are directed towards enterprises, aligning with the financing needs of small and medium-sized enterprises in Shandong [4]. - The bank's investment in corporate bonds increased significantly by 71.41% to 26.810 billion yuan [4]. Innovation and Service Expansion - Qingdao Bank has made strides in technology finance, with a 20.85% increase in technology financial loans, reaching 31.225 billion yuan [5]. - The bank's green loan balance grew by 38.18% to 51.609 billion yuan, exceeding the average loan growth rate [7]. - The bank's retail banking segment reported a revenue of 1.675 billion yuan, accounting for 21.87% of total revenue [8]. International Business and Financial Instruments - The bank issued 82 debt financing instruments, raising 53.143 billion yuan, a year-on-year increase [14]. - Qingdao Bank has enhanced its international business capabilities, achieving a 35.04% increase in transaction banking revenue [9]. Recognition and Future Outlook - Qingdao Bank was included in the 2025 Fortune China 500 list, marking a significant recognition of its comprehensive strength [7]. - The bank aims to continue its high-quality development by enhancing risk management and customer insights [14].

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 賴該等內容而引致的任何損失承擔任何責任。 Bank of Qingdao Co., Ltd.* 青 島 銀 行 股 份 有 限 公 司 * （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （H股股份代號：3866） 海外監管公告 承董事會命 青島銀行股份有限公司* 景在倫 董事長 中國山東省青島市 2025年8月28日 於本公告日期，董事會包括執行董事景在倫先生、吳顯明先生、陳霜女士及劉 鵬先生；非執行董事周雲傑先生、Rosario Strano先生、譚麗霞女士、Giamberto Giraldo先生及鄧友成先生；獨立非執行董事邢樂成先生、張旭先生、張文礎先 生、杜寧先生及范學軍先生。 * 青島銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可機構，並不受 限於香港金融管理局的監督，亦不獲授權在香港經營銀行及╱或接受存款業務。 青岛银行股份有限公司 （A 股证券代码：002948） 本公告乃根 ...

Group 1 - The delivery of the world's first salmon farming vessel "Suhai No. 1" in June marks a significant breakthrough for Jiangsu in deep-sea fishery development and industrialized aquaculture, showcasing its commitment to the national "Marine Power" strategy [1] - "Suhai No. 1" is equipped with systems for water quality monitoring, automatic feeding, and intelligent control, with an expected annual production of 8,000 tons of salmon, enhancing the freshness, supply stability, and market competitiveness of domestic salmon [1] - Jiangsu Bank has provided a credit facility of 760 million yuan to support the financing needs of the "Lianyungang fishing vessel salmon farming" project, injecting strong financial momentum into the development of modern marine industries in Lianyungang [1] Group 2 - Jiangsu Bank, as a globally recognized bank and a systemically important bank in China, has adopted sustainable development principles and was elected as the only Chinese bank in the UNEP FI Banking Council for the East Asia region [2] - The bank is actively exploring blue finance as a new avenue, aiming to build a blue finance system to support high-quality development of the marine economy in Jiangsu province [2]

Group 1 - The core viewpoint of the articles highlights the establishment of the first local blue finance standard in China by Weihai City, aimed at supporting sustainable investment and financing in the marine economy [1][2] - In 2024, Weihai will release the "Weihai City Blue Industry Sustainable Investment and Financing Support Directory," which will serve as a basis for developing a blue project intelligent identification system by 2025 [1] - A total of 71 projects have been included in the blue investment project database, with 52 classified as blue projects and 19 as light blue projects, covering various sectors such as marine equipment manufacturing, clean energy, and green fisheries [1] Group 2 - As of June, the total balance of blue loans in Weihai reached 28.47 billion yuan, accounting for 21.4% of the total green loan volume [2] - The city has introduced innovative financial products, including the first marine sustainable development-linked loan in the country and the first marine carbon sink expected income rights pledge loan in Shandong Province [2] - The financial regulatory department plans to leverage the blue investment directory and project database to promote the transition of the economy towards green and blue development through various financial resources [2]

Core Viewpoint - The Ministry of Natural Resources emphasizes the importance of coordinating marine resource development and protection to ensure the sustainable growth of the "blue growth pole" in China [1][2]. Group 1: Marine Resource Management - The Ministry will enhance spatial planning and control, integrating marine and island resources into a unified national land and space planning framework [1]. - There will be a focus on improving the efficiency of resource utilization and promoting a more intensive and economical use of marine resources [1]. - The Ministry aims to strengthen land-sea coordination and regional collaboration, enhancing the governance of river basins and marine areas [1][2]. Group 2: Ecological Protection Initiatives - The Ministry has established marine ecological protection red lines and optimized the spatial layout for marine ecological and development areas [2]. - Approximately 200 major projects for marine ecological protection and restoration are supported by central financial resources, leading to the restoration of nearly 1,780 kilometers of coastline and over 795,000 acres of coastal wetlands [2]. - New initiatives include the construction of "blue bays," "beautiful islands," and "beautiful beaches," contributing to a comprehensive protection framework from mountains to oceans [2]. Group 3: Technological and Financial Support - The Ministry will continue to promote technological innovation in green and low-carbon technologies to drive high-quality development in the marine industry [2]. - There will be an increase in support for "blue finance" to enhance the mechanisms for ecological damage compensation and protection [1].

Core Viewpoint - The article highlights the development of a modern "marine ranching" industry in Qingdao, showcasing how financial support is driving the growth of the blue economy through innovative practices in marine aquaculture and logistics [1][3]. Group 1: Marine Ranching and Technology - The establishment of marine ranching requires significant environmental restoration efforts, including the introduction of artificial reefs and seaweed to revive marine ecosystems [2]. - Advanced technologies, such as smart deep-sea cages that mimic natural habitats, have increased aquaculture yields, with abalone production reaching 60,000 kilograms annually [2]. - The preservation of deep-sea delicacies like king crabs relies on stringent temporary holding conditions, necessitating substantial investment in cold chain logistics [2]. Group 2: Financial Support and Infrastructure - Financial institutions play a crucial role in supporting the construction of cold storage facilities and logistics infrastructure, enabling companies like Luhai Feng to expand their operations [3]. - The collaboration between banks and private enterprises has facilitated the development of a comprehensive supply chain, allowing for efficient financing and resource allocation [3][4]. - Qingdao's financial sector has introduced 177 marine-related financial products to address the financing challenges faced by small and medium-sized enterprises in the marine industry [3][6]. Group 3: Innovation in Financial Services - Supply chain finance has emerged as a key innovation, allowing core enterprises to back smaller firms, thus enabling banks to provide financing based on real trade and collateral [4]. - The introduction of electronic warehouse receipt financing has led to significant transactions, with over 25 billion yuan in financing processed [5]. - Comprehensive insurance solutions have been developed for deep-sea research and equipment, providing substantial risk coverage for critical marine projects [5]. Group 4: Financial Performance Metrics - As of June 2025, the marine-related loan balance in Qingdao reached 144.9 billion yuan, reflecting a robust growth of 15.47% since the beginning of the year [6]. - Marine insurance premium income also saw a year-on-year increase of 15.75%, indicating a growing market for blue finance [6]. - The Qingdao financial regulatory authority is actively promoting the development of blue bonds and credit products to further enhance financial support for the marine economy [6].

Core Viewpoint - Qingdao Bank demonstrates resilience in development with significant growth in asset scale, profit, and asset quality in the first half of 2025, highlighting its strategic focus on regional economic development and specialized financial services [1][2][9] Group 1: Financial Performance - As of June 30, 2025, Qingdao Bank's total assets reached 743 billion yuan, a year-on-year increase of 7.69% [2] - The total customer loans amounted to 368.4 billion yuan, growing by 8.14% compared to the previous year [2] - Customer deposits totaled 466.1 billion yuan, with a growth rate of 7.9% [2] - The bank achieved an operating income of 7.7 billion yuan, reflecting a year-on-year growth of 7.5% [2] - Net profit attributable to shareholders exceeded 3 billion yuan, with a remarkable increase of 16.05% year-on-year [2] Group 2: Asset Quality and Risk Management - The non-performing loan ratio decreased to 1.12%, down by 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio significantly increased by 11.48 percentage points to 252.8%, indicating enhanced risk resilience [2] - Qingdao Bank implemented 12 risk management measures across five key areas, improving its risk assessment and management capabilities [3] Group 3: Specialized Financial Services - Qingdao Bank launched the "Qingchuyublue" brand strategy, offering 14 specialized blue financial products to support marine-related enterprises [4] - The balance of blue loans reached nearly 20 billion yuan, serving over 500 clients [4] - The bank has developed a "technology finance + new productivity" model, enhancing its service efficiency and precision [5][6] Group 4: Regional Economic Support - Qingdao Bank established inclusive financial service stations in nearly 1,500 villages, enhancing support for rural revitalization [7] - The opening of the Liaocheng branch marked the bank's full coverage of all 16 cities in Shandong Province [7] - The bank's comprehensive operations have shown significant results, with a notable increase in the proportion of entity business [7] Group 5: Internationalization and Cross-Border Services - Qingdao Bank became the first local bank in Shandong to gain direct participation in the RMB Cross-Border Payment System (CIPS) [8] - The bank's proprietary "Qingyin Huitong" system enables efficient cross-border payment services, reducing transaction times to under 10 minutes [8] - The bank's international business scale remains leading among local banks in Shandong, leveraging its port city advantages [8] Group 6: Brand Recognition - Qingdao Bank ranked on the "China's 500 Most Valuable Brands" list for the ninth consecutive year, with a brand value of 36.236 billion yuan [9] - The bank's unique focus on "blue" financial services and its commitment to regional economic development have garnered widespread market recognition [9]

Core Insights - Zhanjiang is emerging as a national model for blue economy and financial innovation, with marine production value projected to account for 33% of the city's GDP by 2024 and marine-related loans exceeding 20 billion yuan [1][2] Policy and Institutional Innovation - In May 2024, the People's Bank of China Zhanjiang Branch issued the first local-level blue finance guidance document, establishing a dual-driven system of "policy guidance + industry navigation" to support blue finance development [2] - A strategic cooperation agreement was signed between Zhanjiang government and 11 banks, with a total investment intention of 2.1 trillion yuan focusing on "green steel, green petrochemicals, green energy, green food, and blue marine economy" [2] Financial Innovation and Solutions - Zhanjiang is implementing a "credit reconstruction" model in its national marine ranch demonstration area, introducing "credit + marine" service models to enhance financing for marine economies [3] - Various banks have developed tailored financial products, such as "marine ranch loans" and "golden pomfret industry chain loans," to address financing challenges in the marine sector [3] - As of now, 11 credit marine ranches have received a total credit limit of 1.47 billion yuan [3] Technological Empowerment - Zhanjiang has launched a comprehensive marine financial service platform, facilitating 1,365 financing transactions with a total credit amount exceeding 9.34 billion yuan [4] - Digital technologies are reshaping financial risk assessment, with banks collaborating with industry leaders to create integrated platforms that enhance visibility and traceability in marine transactions [4] Ecological Development and Synergy - The blue finance innovation is fostering a collaborative ecosystem, with banks supporting small and micro enterprises in the blue industry chain through various partnership models [5] - Insurance products are evolving from single-point coverage to regional protection, enhancing risk management in marine aquaculture [5] Performance Metrics - In 2024, Zhanjiang issued 1,636 marine industry financing loans totaling 11.98 billion yuan, with blue industry chain loans amounting to 120 million yuan [6] - The marine equipment manufacturing sector's output surpassed 5 billion yuan, showcasing the effectiveness of blue finance initiatives [6] - Zhanjiang is leading in establishing blue finance standards, creating comprehensive financial service models, and developing a digitalized marine finance system [6]

Core Points - Qingdao Bank has made its debut on the 2025 Fortune China 500 list, ranking 495th, and is the only bank from Shandong province to be included this year [1][4] - The total number of Shandong enterprises in the Fortune 500 remains at 19, with a focus on optimizing the structure, highlighting the strength of traditional industries [1][4] - Qingdao Bank's inclusion reflects the rise of regional financial power, as the number of banks on the list increased from 28 to 33, with a total net profit of $2,662 million, accounting for 35% of the total profits of the 500 companies [2][4] Financial Performance - In 2024, Qingdao Bank achieved a revenue of 13.498 billion yuan, a year-on-year increase of 8.22%, and a net profit of 4.264 billion yuan, with a growth rate of 20.16% [4] - The bank's total assets surged to 689.963 billion yuan, an increase of 13.48%, with total assets exceeding 900 billion yuan for the first time [4] - The non-performing loan ratio decreased to 1.14%, marking seven consecutive declines, while the provision coverage ratio increased to 241.32%, achieving five consecutive increases [4] Strategic Focus - Qingdao Bank has been actively engaging in regional economic development, excelling in blue finance, green finance, and inclusive finance [5][6] - The bank has launched a dedicated service brand for the marine economy, with blue loan balances reaching 19.205 billion yuan, a growth of 14.44% since the beginning of the year [6] - In green finance, the bank's green loan balance surpassed 43.722 billion yuan, with a quarterly growth rate of 17.06%, significantly higher than the average loan growth rate [6] Brand Strength - Qingdao Bank's brand value reached 36.236 billion yuan, ranking 317th in the "China's 500 Most Valuable Brands" list, marking the ninth consecutive year of this recognition [6] - The bank's strategic focus aligns with the national regional development strategy, providing a positive cycle of economic empowerment for banks [7]

Group 1 - The establishment of the Shenzhen Marine Financial Alliance aims to connect financial resources with the marine industry, facilitating a deep integration of "finance + marine" to support the construction of a marine financial ecosystem in Shenzhen and accelerate the development of a global marine center city [1][2] - The alliance's structure and development plan were introduced by the chairman unit, Bank of China Shenzhen Branch, emphasizing a development path of "policy guidance + market operation + ecological collaboration" [1] - The event featured a financing roadshow where 5 financial institutions promoted marine-specific financial products, and 7 key marine enterprises presented their financing needs, resulting in 26 marine financing projects being matched, covering areas such as green shipping, high-end equipment, marine energy development, and marine fisheries [1] Group 2 - The establishment of the Shenzhen Marine Financial Alliance is expected to deepen financial empowerment for high-quality development of the marine economy, integrating various financial resources such as banking, securities, insurance, and funds [2] - The alliance will promote regular interactions between financial institutions and marine enterprises, exploring marine risk protection systems and innovations in marine financial products to inject sustainable momentum into the marine economy [2]