Group 1: Investment Performance - In the first half of 2025, Qingdao Bank's investment income and fair value changes totaled 1.51 billion yuan, an increase of 212 million yuan, representing a year-on-year growth of 16.37% [2] - Investment income accounted for approximately 19.71% of total revenue, showing a slight change from 18.21% in the same period last year [2] - The bank enhanced its financial investment monitoring and executed bond profit-taking operations to lock in gains amid market fluctuations [2] Group 2: Strategic Focus - The bank aims to optimize investment trading strategies, improve market analysis, and enhance asset investment efficiency while ensuring alignment between liabilities and assets [2] - Emphasis will be placed on risk prevention, focusing on standardized fixed-income bonds and strengthening duration management [3] - The bank plans to diversify its middle-income business by developing underwriting, custody, and wealth management services, as well as expanding international business [4] Group 3: Retail Lending Strategy - Qingdao Bank is committed to strict project entry controls in personal housing loans while enhancing risk monitoring and management systems [4] - The bank's strategy includes maintaining a stable housing loan base while actively promoting business and consumer loans [5] - The focus will be on increasing market share for quality projects and channels, supporting reasonable housing demands, and expanding the market competitiveness of flagship products [5][6]

Group 1: Financial Performance - Total assets increased from RMB 608 billion in 2023 to RMB 690 billion in 2024, a growth of 13.5% [6] - Total deposits rose from RMB 386.1 billion in 2023 to RMB 432 billion in 2024, an increase of 11.9% [6] - Total loans grew from RMB 300.1 billion in 2023 to RMB 340.7 billion in 2024, marking a 13.5% increase [6] - Operating income increased from RMB 12.5 billion in 2023 to RMB 13.5 billion in 2024, an 8.2% rise [10] - Net profit attributable to shareholders rose from RMB 3.5 billion in 2023 to RMB 4.3 billion in 2024, a growth of 20.2% [11] - Return on Equity (ROE) improved from 8.95% in 2022 to 11.51% in 2024 [12] Group 2: Customer Base and Structure Optimization - The proportion of high-end retail customers increased, with 427,000 high-end retail clients, up by 9.51% [15] - The number of corporate clients reached 275,000, an increase of 12.18% [15] - The number of debit card customers grew to 6.01 million, a rise of 6.05% [15] - The deposit interest rate was adjusted to 2.08%, a decrease of 0.15 percentage points [15] Group 3: Asset Quality Improvement - Provision coverage ratio increased from 197.42% in 2021 to 241.32% in 2024 [18] - Non-performing loan ratio decreased from 1.34% in 2021 to 1.18% in 2024 [19] - The combined non-performing and attention loan ratio fell from 2.37% in 2021 to 1.70% in 2024 [20] - The risk compensation capability has been enhanced year by year [21] Group 4: Group Synergy and Diversified Development - Corporate loans (including discounts) increased from RMB 221 billion in 2023 to RMB 262.4 billion in 2024, a growth of 7.6% [24] - Retail loans grew from RMB 103 billion in 2023 to RMB 110 billion in 2024, a rise of 7.0% [27] - Asset management scale reached RMB 1,450 billion, with public fund custody at RMB 326 billion [30] - The leasing business saw total assets rise from RMB 17.9 billion in 2023 to RMB 18.6 billion in 2024, a 3.9% increase [33] Group 5: Strategic Outlook - The year 2025 marks the conclusion of the three-year strategic plan, focusing on professional enhancement, digital empowerment, system optimization, and distinctive driving [37] - Emphasis on high-quality development and practical execution to meet stakeholder expectations [37]