2025-09-18 10:38Group 1: Financial Market Strategy - In the first half of 2025, Qingdao Bank enhanced monitoring of financial investment scale and returns, achieving a year-on-year increase in non-interest income from the financial market [2] - Total investment income and fair value changes amounted to CNY 1.51 billion, a year-on-year increase of CNY 212 million, representing a growth of 16.37% [2] - The bank plans to optimize investment trading strategies, strengthen market analysis, and ensure asset-liability matching to achieve synchronized growth in scale and efficiency [2] Group 2: Credit Asset Quality - As of June 2025, the non-performing loan ratio was 1.12%, a decrease of 0.02 percentage points from the beginning of the year, with a provision coverage ratio of 252.80%, an increase of 11.48 percentage points [3] - The bank will continue to strengthen control over credit asset quality, enhance credit approval processes, and adjust risk response strategies as needed [3] - Focus will be on the economic development of Shandong Province and Qingdao City, aiming to maintain stable and improving asset quality [3]