Core Viewpoint - The article provides a comprehensive overview of the 14 urban commercial banks in Shandong Province, detailing their shareholder structures, asset and liability situations, operating income, profit, and asset quality, highlighting the competitive landscape and financial performance of these banks in 2024 [1][4][11][15][18]. Shareholder Situation - The largest shareholders of major banks include foreign and local entities, with notable examples being the Italian UniCredit Bank holding 17.50% in Qingdao Bank and the Commonwealth Bank of Australia holding 15.43% in Qilu Bank [1][3]. - Most banks have local government or state-owned enterprises as their primary shareholders, with Yantai Bank's largest shareholder being the private enterprise Nanshan Group, holding 34.83% [1][3]. Asset Situation - As of the end of 2024, Qingdao Bank leads with total assets of 689.96 billion, closely followed by Qilu Bank at 689.54 billion, both exceeding 600 billion [4][5]. - The total assets of 13 urban commercial banks showed positive growth compared to 2023, with Jining Bank experiencing the highest growth rate of 16.79% [6]. Liability Situation - The liability rankings align with total asset rankings, indicating a consistent growth pattern across the banks [7]. - Core liabilities are primarily deposits, with Dongying Bank having the highest deposit-to-liability ratio at 89.87% [9][10]. Operating Income Situation - Qingdao Bank reported the highest operating income of 13.498 billion, followed by Qilu Bank at 12.496 billion, with both banks exceeding 10 billion [11][12]. - The overall operating income for the banks showed positive growth, with Yantai Bank achieving the fastest growth rate of 36.48% [12]. Profit Situation - Qilu Bank achieved the highest net profit of 4.945 billion, followed by Qingdao Bank at 4.405 billion, indicating strong profitability among the leading banks [15][16]. - All banks reported growth in net profit, with Qingdao Bank's growth rate reaching 19.97% [17]. Asset Quality and Other Situations - The overall asset quality of the banks is considered average, with no bank reporting a non-performing loan ratio below 1%, and Linshang Bank having the highest at 2.15% [18]. - Qilu Bank and Jining Bank reported a non-performing loan provision coverage ratio exceeding 300%, indicating strong risk management practices [18].