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。 ...

Core Viewpoint - Qingdao Bank has successfully developed a "Technology Enterprise Full Lifecycle Product System," recognized as a "Typical Technology Financial Product," which aims to enhance financial support for technological innovation and high-quality development [1][4]. Group 1: Development Strategy - Qingdao Bank is committed to advancing technology finance as a crucial element for high-quality development, focusing on building a robust financial service framework for the real economy [1][5]. - The bank has established a comprehensive implementation plan for technology finance, addressing service bottlenecks and aligning organizational structure, capability building, and product strategy [2]. Group 2: Product Offering - The "Technology Enterprise Full Lifecycle Product System" includes tiered products such as "Science and Technology Credit," "Start-up Easy Loan," and "Innovation Easy Loan," designed to support enterprises at different growth stages [3]. - The product system aims to create a financial service ecosystem by collaborating with industrial parks, technology platforms, and government entities, enhancing the overall service structure [3]. Group 3: Performance Metrics - By the end of 2024, Qingdao Bank's technology loan balance reached 18.7 billion, reflecting a growth of 5.97 billion and a growth rate of 47% [4]. - The bank's innovative product offerings and optimized approval mechanisms have received positive feedback from clients, significantly improving customer satisfaction [4]. Group 4: Future Outlook - Qingdao Bank plans to enhance its technology finance services by focusing on strategic emerging industries such as high-end equipment, information technology, and new energy, thereby accelerating the transformation of technological achievements [5][6]. - The bank aims to build a comprehensive technology finance service framework that integrates institutions, mechanisms, products, and data to boost financing accessibility for technology enterprises [5].