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].

Core Viewpoint - Qingdao Bank has established itself as a leader in blue finance, showcasing its commitment to innovation and sustainability while achieving significant brand value and financial performance [1][6][9]. Group 1: Brand Value and Recognition - Qingdao Bank's brand value reached 36.236 billion yuan, maintaining its position on the "China 500 Most Valuable Brands" list for nine consecutive years [1][6]. - The bank's achievements reflect not only financial growth but also a commitment to financial civilization, blending professionalism with warmth and responsibility [3][6]. Group 2: Blue Finance Initiatives - In November 2020, Qingdao Bank became one of the first institutions in emerging markets to join the UN Sustainable Blue Economy Finance Initiative, committing to marine protection [3]. - The bank launched the first domestic blue finance pilot project in collaboration with the International Finance Corporation (IFC) in 2021, establishing a quantifiable standard system for blue finance [3][4]. - By September 2024, the bank's blue loan balance approached 20 billion yuan, serving over 500 clients and issuing 43 blue finance-themed wealth management products, raising over 5.3 billion yuan [4]. Group 3: Cross-Border Financial Services - In December 2024, Qingdao Bank was approved for direct participation in the Renminbi Cross-Border Payment System (CIPS), becoming the first local bank in Shandong to achieve this status [4]. - The bank's "Qingyin Huitong" service offers 24/7 smart settlement, significantly reducing cross-border payment times to under 10 minutes, enhancing efficiency for foreign trade enterprises [4]. Group 4: Financial Performance - As of the end of 2024, Qingdao Bank's total assets exceeded 906.554 billion yuan, a year-on-year increase of 9.23%, positioning the bank towards the trillion-yuan mark [8]. - In the first quarter of 2025, the bank reported total operating income of 4.047 billion yuan, a year-on-year growth of 9.69%, and a net profit attributable to shareholders of 1.258 billion yuan, up 16.42% [8]. Group 5: Cultural and Social Engagement - Qingdao Bank's initiatives extend beyond finance, incorporating art and culture, such as the "Beautiful Reunion" digital art exhibition, transforming its banking hall into an immersive aesthetic space [5][6]. - The bank's community engagement includes programs like the "Mountain and Sea Mutual Vision" football winter camp, providing opportunities for youth in remote areas to connect with urban life [8].