Core Viewpoint - Qingdao Bank has released a "Foreign Trade Financial White Paper" outlining 17 specific measures to support foreign trade enterprises in enhancing their global presence, aligning with the national strategy of "expanding high-level opening-up" [1][3]. Group 1: Financial Support Initiatives - The bank has established a cross-border financial product system centered around Qingyin Huitong, Qingyin Trade Loan, Qingyin Golden Bridge, and Qingyin Huitong, serving over 5,000 foreign trade enterprises with an international settlement volume exceeding $20 billion and cross-border RMB settlement exceeding 50 billion [1]. - Qingdao Bank aims to integrate financial support for stabilizing foreign trade into its strategic planning, enhancing trade facilitation, and providing comprehensive support for enterprises to "go global" [1][3]. Group 2: Regional Focus and Industry Specialization - The bank focuses on Shandong's foreign trade industry characteristics, particularly in machinery, agricultural products, and textiles, implementing a "one place, one policy" service model [1][9]. - It is developing a comprehensive financial system for bulk commodities, including innovative tools like digital warehouse receipts and specialized shipping financial products to foster competitive regional foreign trade industry clusters [1][12]. Group 3: Cost Reduction and Efficiency Improvement - Qingdao Bank has introduced a series of services aimed at reducing comprehensive costs for enterprises, enhancing funding efficiency, and improving risk response capabilities [2][16]. - Specific measures include fee reductions, cross-border financing price subsidies, and the promotion of specialized credit financing products to help enterprises convert transaction flows into credit resources [17][16]. Group 4: Innovation in Financial Services - The bank is committed to innovating financial service mechanisms and enhancing its cross-border financial service capabilities through the launch of the CIPS direct reference system [1][7]. - It is also exploring digital settlement solutions to support new foreign trade business models, such as cross-border e-commerce and overseas warehouses [17].

Core Viewpoint - Qingdao Bank is enhancing its cross-border financial services and supporting foreign trade development through the launch of the CIPS direct access system, aiming to facilitate local brands' global expansion [1][3]. Group 1: International Business Development - As of November 18, 2025, Qingdao Bank's international business scale is set to exceed $20 billion, representing a 40% year-on-year growth, serving over 5,000 enterprises [3]. - The cross-border RMB settlement volume has surpassed 50 billion yuan, with a year-on-year increase of 52% [3]. Group 2: CIPS Direct Access Launch - The CIPS system, approved by the People's Bank of China, provides secure, efficient, and low-cost cross-border payment services, marking a significant upgrade in Qingdao Bank's cross-border RMB service capabilities [3][4]. - Qingdao Bank is the first legal entity bank in Shandong to obtain direct access to the CIPS system, enabling point-to-point, real-time cross-border RMB clearing [3][4]. Group 3: Collaborative Support and Future Plans - The event received strong support from CIPS, government, and regulatory bodies, with participation from over ten domestic and foreign financial institutions and more than fifty key enterprises [6]. - Qingdao Bank plans to optimize its cross-border financial products and services using the CIPS system, aiming to contribute to the internationalization of the RMB and a new high-level opening-up framework [6].

Core Viewpoint - Qingdao Bank successfully launched the CIPS direct participation system, aiming to enhance support for foreign trade development and facilitate local brands' international expansion [1][6]. Group 1: International Business Development - Qingdao Bank's international business is projected to exceed $20 billion by 2025, representing a 40% year-on-year growth, serving over 5,000 enterprises [5]. - The cross-border RMB settlement volume is expected to surpass 50 billion yuan, with a year-on-year increase of 52% [5]. Group 2: CIPS System Launch - The CIPS system is a crucial infrastructure for RMB cross-border payment, providing secure, efficient, and low-cost settlement services [6]. - Qingdao Bank is the first legal entity bank in Shandong to obtain direct participation in the CIPS system, enabling point-to-point cross-border RMB clearing [6]. Group 3: Financial Products and Services - Qingdao Bank has developed a comprehensive service system for foreign trade enterprises, including products like "Qingyin Huaitong," "Qingyin Maodai," "Qingyin Huiying," and "Qingyin Chuhaitong" [5]. - The bank launched a white paper outlining 17 key measures to support foreign trade, addressing challenges such as financing difficulties and slow settlements [10]. Group 4: Collaborative Efforts - Qingdao Bank signed a joint action declaration with the Shandong branch of China Export & Credit Insurance Corporation and Qingdao Financing Guarantee Group to support high-quality development of foreign trade enterprises [10]. - The event was supported by CIPS and various financial institutions, highlighting a collaborative approach to enhance cross-border financial services [13]. Group 5: Future Outlook - Qingdao Bank plans to optimize cross-border financial products and services, leveraging the CIPS system to contribute to RMB internationalization and high-level opening-up [16].

Core Viewpoint - Qingdao Bank's 2025 semi-annual report showcases significant growth in revenue and net profit, reflecting a strong operational performance amid a focus on quality and risk management [1][3]. Financial Performance - Revenue for the first half of 2025 reached 7.662 billion yuan, a year-on-year increase of 7.50% [2]. - Net profit amounted to 3.152 billion yuan, representing a year-on-year growth of 16.25% [1][2]. - Total assets stood at 743.028 billion yuan, up 7.69% from the end of the previous year [1]. - The weighted average return on equity was 15.75%, an increase of 0.41 percentage points year-on-year [2]. - The non-performing loan ratio decreased to 1.12%, down 0.02 percentage points from the end of the previous year [1][3]. - Provision coverage ratio improved to 252.80%, up 11.48 percentage points [1][3]. - Capital adequacy ratio was reported at 13.52% [1]. Asset Quality and Risk Management - Qingdao Bank has successfully reduced its non-performing loan ratio while increasing its provision coverage, indicating strong risk management practices [3]. - The bank's focus on maintaining high asset quality has allowed for sustainable profit growth [3]. Lending and Support for the Real Economy - As of the end of the reporting period, the bank's corporate loan balance was 292.612 billion yuan, an increase of 30.258 billion yuan, or 11.53% [4]. - Over 70% of the bank's credit resources are directed towards enterprises, aligning with the financing needs of small and medium-sized enterprises in Shandong [4]. - The bank's investment in corporate bonds increased significantly by 71.41% to 26.810 billion yuan [4]. Innovation and Service Expansion - Qingdao Bank has made strides in technology finance, with a 20.85% increase in technology financial loans, reaching 31.225 billion yuan [5]. - The bank's green loan balance grew by 38.18% to 51.609 billion yuan, exceeding the average loan growth rate [7]. - The bank's retail banking segment reported a revenue of 1.675 billion yuan, accounting for 21.87% of total revenue [8]. International Business and Financial Instruments - The bank issued 82 debt financing instruments, raising 53.143 billion yuan, a year-on-year increase [14]. - Qingdao Bank has enhanced its international business capabilities, achieving a 35.04% increase in transaction banking revenue [9]. Recognition and Future Outlook - Qingdao Bank was included in the 2025 Fortune China 500 list, marking a significant recognition of its comprehensive strength [7]. - The bank aims to continue its high-quality development by enhancing risk management and customer insights [14].