Core Insights - Qingdao Bank has revealed its financial market business investment strategy and credit asset quality for the second half of 2025 during an investor relations event [1][2] Group 1: Financial Market Business Investment Strategy - In the first half of 2025, Qingdao Bank enhanced monitoring of financial investment scale and returns, effectively responding to bond market fluctuations, resulting in a year-on-year increase of 16.37% in non-interest income from financial markets, totaling 1.51 billion yuan [2] - The bank plans to optimize investment trading strategies, strengthen market analysis, and improve asset investment efficiency while ensuring alignment between liabilities and assets [2] - The focus will be on preventing market risks, primarily through standardized fixed-income bond investments, and enhancing the "light capital" advantage of the financial investment sector by increasing investments in low-capital-consuming products like commercial bank bonds and asset-backed securities [2] Group 2: Credit Asset Quality - Qingdao Bank's credit asset quality improved by 11.48 percentage points compared to the beginning of the year, maintaining a positive trend in asset quality indicators [2] - The bank will continue to strengthen control over credit asset quality, solidify credit approval foundations, and promote the transformation of credit asset structures while adjusting risk response strategies as needed [2] - Future efforts will focus on supporting the high-quality economic development of Shandong Province and Qingdao City, enhancing service capabilities for the real economy, and maintaining stable and improving asset quality [2]

编号：2025-11 | | √特定对象调研 □分析师会议 | | --- | --- | | 投资者关系 | □媒体采访 □业绩说明会 | | 活动类别 | □新闻发布会 □路演活动 | | | □现场参观 □其他： | | 参与单位名称 | 西部证券 孙寅、周安桐、程宵凯，国泰基金 王韶怀，平安 | | 及人员姓名 | 养老 郭松 | | 时间 | 年 月 日（星期四）14:00-15:00 2025 9 18 | | 地点 | 青岛银行股份有限公司总行 6 楼会议室 | | 上市公司接待 | 本行高管、相关部门负责人及工作人员 | | 人员姓名 | | | | 1.青岛银行下半年金融市场业务投资策略如何? | | | 答：上半年，本行加强金融投资规模与收益监控，有效 | | | 应对债市波动，实现了金融市场非息收入的同比增长。2025 | | | 年上半年，投资收益和公允价值变动损益合计 15.10 亿元， | | | 同比增加 2.12 亿元，同比增长 16.37%。下一步，本行将持 | | | 续优化投资交易策略，加强市场研判，精确择时，灵活调仓， | | 投资者关系活 动主要内容 | 提升资产投资 ...