Group 1: Credit Strategy - The bank will adhere to the principle of "seeking progress while maintaining stability, prioritizing quality" in its credit allocation strategy for 2026, focusing on serving the real economy and rural residents [2][3] - The strategy will balance scale, efficiency, structure, and risk, aiming for steady growth in business operations [2] Group 2: Wealth Management - Since September 2024, the bank has increased its wealth management services, enhancing asset allocation capabilities and optimizing investment structures based on customer risk preferences and investment cycles [3] - The bank aims to capitalize on market opportunities to achieve stable wealth growth for investors [3] Group 3: Cost Management - The bank is actively managing liability costs by adjusting deposit rates in response to market conditions, following a 0.25 percentage point reduction in various structural monetary policy tool rates by the central bank on January 15 [4] - Efforts include optimizing the liability structure by reducing high-cost, long-term deposit products and enhancing the introduction of low-cost funds [4] - The bank has developed partnerships for projects like school cafeteria fund supervision to create a reservoir of low-cost funds [4]

Group 1: Deposit Growth - The total customer deposits of Qingdao Bank reached CNY 481.73 billion by the end of September 2025, an increase of CNY 49.70 billion, representing a growth of 11.50% compared to the end of 2024 [2] - The company's deposit balance was CNY 238.05 billion, up CNY 25.89 billion, with a growth rate of 12.20% [2] - Personal deposits amounted to CNY 243.57 billion, increasing by CNY 23.77 billion, reflecting a growth of 10.82% [2] Group 2: Asset Allocation and Loan Direction - The total customer loans of Qingdao Bank reached CNY 375.30 billion by the end of September 2025, an increase of CNY 34.61 billion, which is a growth of 10.16% [3] - The bank aims to focus on high-quality development, increasing credit investment while optimizing the asset-liability structure [3] - The bank will establish competitive advantages in eight key areas, including technology finance, inclusive finance, and green finance, to provide personalized and diversified financial services [3] Group 3: Credit Asset Quality - The non-performing loan ratio of Qingdao Bank was 1.10% by the end of September 2025, a decrease of 0.04 percentage points compared to the end of 2024 [3] - The provision coverage ratio was 269.97%, an increase of 28.65 percentage points from the end of 2024, indicating a stable improvement in asset quality [3] - The bank will continue to strengthen the management of credit asset quality and enhance its ability to serve the real economy while focusing on risk prevention [3]