Core Viewpoint - Qingdao Rural Commercial Bank demonstrates steady growth in its financial performance, with a focus on quality and risk management, supported by a dual-driven model of "policy + technology" [1][2] Financial Performance - In the first three quarters of 2025, Qingdao Rural Commercial Bank achieved an operating income of 8.028 billion yuan and a net profit attributable to shareholders of 3.318 billion yuan, reflecting a year-on-year increase of 114 million yuan, or 3.57% [1] - The total amount of loans and advances reached 268.122 billion yuan, an increase of 1.539 billion yuan, or 0.58% from the beginning of the year [1] - Total deposits increased to 335.179 billion yuan, up 8.506 billion yuan, or 2.60% from the beginning of the year [1] - The non-performing loan ratio decreased by 0.06 percentage points, indicating a reduction in both the non-performing loan ratio and balance [1] Policy Guidance - The bank aligns with national strategies to expand domestic demand, focusing on enhancing consumption as a core driver of economic growth [2] - Qingdao Rural Commercial Bank emphasizes its commitment to serving the real economy and supporting small and micro enterprises through innovative consumer finance and inclusive lending [2][3] Digital Transformation - The bank is undergoing a digital transformation, integrating technology and data to enhance service models and expand value boundaries [6] - It has implemented 16 innovative projects, including a risk control decision engine, and developed a comprehensive risk warning system with over 300 risk signals [7] - The bank's mobile banking users exceeded 2.87 million, and it has over 1,400 smart service windows in rural areas [7] Innovation in Financial Products - Qingdao Rural Commercial Bank has launched various innovative financial products, including "High-tech Loan 2.0" and "Foreign Trade Boost Loan," to support inclusive finance and expand its customer base [3][4] - The bank's international business transactions reached 55.24 billion USD, a year-on-year increase of 9.37% [4] Achievements in Technology and Data - The bank has received over 30 awards in the digital finance sector and holds multiple patents, showcasing its commitment to technological innovation [10] - It has improved data processing efficiency by 30% and integrated over 1,100 external data sources into its operations [9] Conclusion - Qingdao Rural Commercial Bank exemplifies how local financial institutions can leverage technology and data to enhance service delivery and support national economic strategies, positioning itself as a model for rural commercial banks across the country [11]

Group 1 - The central financial work conference emphasizes that small and medium-sized banks should "focus on local characteristics" in their operations [1] - Qingdao Rural Commercial Bank is enhancing its service capabilities and competitiveness by exploring new products and services to support the real economy [1] - The bank has launched four cross-border financial products to support foreign trade enterprises, including "China-Pakistan Settlement Express" and "Cross-border Payment and Remittance" [1][2] Group 2 - Innovative financial tools in trade financing can alleviate financing pressure for enterprises and provide sufficient funding for expanding overseas markets [2] - The "YinYin Enjoy" pension financial product aims to address the challenges faced by the 59 to 65 age group regarding pension insurance contributions and loan accessibility [2] - Qingdao Rural Commercial Bank is committed to serving small and micro enterprises, focusing on agricultural and small business support [2] Group 3 - The "High-tech Loan 2.0" is designed for technology companies with "light assets and lack of collateral," offering differentiated credit limits up to 20 million yuan [3] - The bank's rapid approval process allows companies to receive funds quickly, as demonstrated by a biotechnology company's experience of receiving funds within three days [3] - Qingdao Rural Commercial Bank aims to deepen its transformation and optimize financial service supply to empower regional economic development [3]