Qingdao Bank Holds 2025 Performance Briefing: Drawing a New Three-Year Strategic Blueprint with High-Quality Development

Source: Xinhua Finance

Recently, Qingdao Bank held its 2025 Annual Performance Briefing, attracting many securities analysts, institutional investors, and professional financial media. In 2025, Qingdao Bank delivered a high-quality report card: total banking assets reached 814.96 billion yuan, surpassing 14.57B yuan, with total managed assets exceeding 1 trillion yuan. The full-year revenue was 5.19B yuan, a year-on-year increase of 7.97%; net profit attributable to the parent was 300k yuan, up 21.66%; non-performing loan ratio decreased to 0.97%.

Wu Xianming, President of Qingdao Bank, stated that 2025 is the decisive year for the bank’s three-year strategic plan. Against the backdrop of industry pressure, Qingdao Bank adheres to its regional positioning, deepens strategic implementation, and achieves steady growth in performance, laying a solid foundation for the next three years of development.

At the briefing, Zhang Qiaowen, Secretary of the Board of Directors of Qingdao Bank, provided a comprehensive summary of the bank’s main operational situation in 2025. The bank maintained a steady progress approach, with assets and liabilities growing steadily, operational efficiency continuously improving, and asset quality remaining stable and improving. On the corporate side, the bank continued to promote tiered customer management, creating an industry-specialized service model, with over 300k corporate clients; on the retail side, a tiered management system was built around community, payroll, and social security scenarios, with over 6.3 million debit customers. Regarding group synergy, subsidiaries such as Qingdao Yinjin Leasing and Qingdao Yinjin Wealth Management maintained steady development, and the integrated service system continued to improve.

In serving the real economy, Qingdao Bank continued to increase credit support for key areas, focusing on the “Five Major Articles” and “Eight Major Tracks,” and making sustained efforts in technology finance, green finance, inclusive finance, pension finance, marine economy, high-quality manufacturing, public utilities, and rural revitalization. The balance of technology finance loans exceeded 31.4 billion yuan, green loans surpassed 58.8 billion yuan, inclusive loans exceeded 53.2 billion yuan, agricultural-related loans exceeded 48.1 billion yuan, and blue ocean loans surpassed 22.7 billion yuan, leveraging financial strength to support regional industrial upgrading and livelihood improvements.

In innovation-driven development, Qingdao Bank continued to improve agile organizational mechanisms, promoting cross-functional and end-to-end collaboration systems, achieving efficient integration of business, technology, and data. In the field of technology finance, a “Finance + Non-Finance” comprehensive service paradigm was established; in green finance, the “Green Gold Qingyin” brand was cultivated; in inclusive finance, the “Casting Sword 3.0 Action” was implemented; in pension finance, the “Pension Enterprise Easy Loan” was used to expand the full-ecosystem customer base. Regarding digital scene construction, transaction banking built a one-stop financial service system covering onshore and offshore, domestic and foreign currencies, on-balance sheet and off-balance sheet, online and offline, becoming a local bank qualified for direct participation in the Renminbi Cross-Border Payment System (CIPS).

In risk management, Qingdao Bank continued to improve its comprehensive risk management system, advancing risk monitoring from “experience-driven” to “data-driven.” By the end of 2025, the non-performing loan ratio was 0.97%, the “non-performing + watch” loan ratio was 1.53%, the loan loss reserve coverage ratio was 292.30%, and asset quality remained stable and improving, with risk mitigation capacity steadily strengthening.

Looking ahead, Qingdao Bank will adhere to its regional positioning of “based in Qingdao, deepening in Shandong, radiating nationwide,” thoroughly practicing the political and people-oriented nature of financial work. Through differentiated and specialized operations, it aims to fully launch the “14th Five-Year” plan and the new three-year strategic plan, using steady and solid development results to repay the trust and support of investors and society at large. (Yu Xiaodan)

Editor: Zhao Ding

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