从整体规模上看，截至2 0 2 5年6月末，青岛银行资产总额站上7 4 3 0亿元新台阶，较上年末增 长7 . 6 9%，延续了多年来的稳健扩张势头。业务根基更加扎实，客户贷款总额达3 6 8 4亿元， 较上年末增长8 . 1 4%；客户存款总额为4 6 6 1亿元，增幅达7 . 9%，为业务开展提供了充沛的源 头活水。 在规模稳健提升的同时，青岛银行的盈利能力表现也十分亮眼。上半年，该行实现营业收入 7 7亿元，同比增长7 . 5%；实现归属于母公司股东的净利超3 0亿元，同比增幅高达1 6 . 0 5%， 展现出优异的效益转化能力。 资产规模突破7430亿元、净利润增速超16%、不良率降至1.12%——2025年上半年，作为山东省唯 一"A+H"双上市银行，青岛银行发布2025年半年度业绩快报，再度以"规模、效益、质量"三升的硬核答 卷彰显发展韧性。 上半年，青岛银行持续深耕区域经济沃土，围绕"五篇大文章"战略蓝图发力特色金融，并且 通过打造国际化"金融快车道"，实现跨境支付" 1 0分钟极速到账"，实打实降低企业跨境经营 成本，不断将港口城市的区位优势转化为金融活水，为区域经济高质量发展注入强劲动能。 ...

Group 1 - The financial support from Postal Savings Bank has significantly alleviated the cash flow issues for local businesses in the agarwood industry, enabling them to expand their operations [2][3] - The "Agarwood Loan" program specifically targets small businesses and individual operators in the agarwood sector, providing them with higher loan limits and extended repayment periods to support their growth [3] - The agarwood industry in Maoming, Guangdong, has seen substantial growth, with approximately 120,000 acres of agarwood planted, over 2,800 processing and sales enterprises, and an annual output value exceeding 4 billion yuan [4] Group 2 - The Postal Savings Bank's Guangdong branch has innovatively supported the agricultural sector and small enterprises, with a total loan balance exceeding 660 billion yuan, including over 130 billion yuan in agricultural loans as of March 2025 [4]

Core Viewpoint - Xinyi Rural Commercial Bank is enhancing service efficiency and creating unique advantages in rural revitalization and cultural tourism finance through a dual approach of "technology empowerment + specialized finance" [1] Group 1: Operational Transformation - The bank has fully launched a smart operation platform, transitioning various operational tasks online, including inventory checks, cash voucher applications, personnel management, and electronic registration [3] - The trial promotion of smart PAD functionality in 28 branches has led to 7,831 authorized transactions in the first quarter, effectively streamlining counter services [3] Group 2: Digital Transformation - The bank has improved its distributed retail platform, processing 93% of personal loans through this system, and has optimized online office mini-programs to enhance user experience [5] - A digital marketing platform has been integrated with the retail platform, allowing for precise data collection and effective business reporting [5] Group 3: Customer Operations - The bank is implementing a tiered management strategy for retail customers, enhancing engagement through targeted marketing activities and promotions [6][7] - Collaborative efforts with local tourism companies to promote cultural tourism credit card products and community welfare activities are being emphasized to improve service quality [7] Group 4: Future Directions - The bank aims to strengthen risk control capabilities and deepen ecological scene integration to adapt to the continuous evolution of financial technology and customer needs [7]