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]

由新浪财经举办的2025年"金鼎奖·金融助力消费优秀案例"活动结果今日正式揭晓。在各单位的踊跃报 送下，共有14个具有示范意义的创新案例从众多参选作品中脱颖而出，涵盖消费场景创新、消费信贷创 新等五大领域。 以下为获奖机构名单： 消费场景创新类：农业银行《第三届"千城万店 农行汽车节"创新案例》、交通银行《交享惠十五分钟 消费支付生活圈》、浦发银行《"跑马嗨购节"深耕体育场景化营销》 《比肩同行﹣﹣景德镇：普惠之道》展示了景德镇作为千年瓷都，其手工制瓷产业在普惠金融支持下实 现转型升级。当地陶瓷企业通过中国工商银行普惠金融方案获得资金支持，不仅解决了生产扩张的流动 资金需求，更推动技术改进与品质提升，增强了产品市场竞争力。金融机构以"陶瓷贷"等创新产品精准 滴灌小微企业，既缓解了企业融资压力，又通过产业链赋能带动消费升级。这种"金融+文化+产业"的 模式，既守护了传统工艺，又激活了消费市场，彰显了普惠金融在促进特色产业发展、刺激区域消费增 长方面的双重价值，为实体经济与消费升级的良性循环提供了示范案例。 《金融普惠中国﹣﹣山海情》展现了厦门国际银行在普惠金融领域的创新实践。该行通过"山海特色"普 惠模式，针对 ...

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]