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

(Source: Beijing Business Daily)

On April 2, 2026, Bank of Qingdao successfully held its 2025 annual performance briefing, attracting numerous securities analysts, institutional investors, and professional financial media representatives to attend. Bank of Qingdao President Wu Xianming led the management team to the meeting, conducting in-depth exchanges with attending guests, analysts, and the media around the bank’s 2025 operating performance and future development.

President Wu Xianming, on behalf of the management, delivered remarks and expressed thanks to friends from all sectors of society who have long cared about and supported Bank of Qingdao’s development. He said that 2025 was the concluding year for fully implementing the 14th Five-Year Plan, and also the decisive year for Bank of Qingdao’s three-year strategic plan. In the tide of the times, Bank of Qingdao has remained steadfast without slack, delivering a high-quality answer sheet characterized by “steady growth in scale, improved efficiency and returns, and better overall quality.”

At the briefing, the Secretary to the Board Zhang Qiaowen provided a comprehensive summary of Bank of Qingdao’s key operating performance in 2025 across multiple dimensions, including business scale, profitability, customer segment development, business structure, asset quality, and group synergy. In 2025, Bank of Qingdao adhered to the overarching working principle of making progress while ensuring stability. The bank maintained steady growth in the size of its assets and liabilities, continuously improved the quality and effectiveness of operations, and kept its asset quality in a stable-to-improving trend. On the corporate side, it continued to advance segment-based customer operation, building an industry-focused “specialized and intensive” service model, with the total number of corporate customers exceeding 300k. On the retail side, it built a segment-based operating system centered on scenarios such as communities, salary disbursement, and social security, with over 6.3 million debit customers. In terms of group synergy, subsidiaries such as Qingyin Financial Leasing and Qingyin Wealth Management developed steadily, and the integrated services system has continued to improve.

In serving the real economy, Bank of Qingdao continued to increase credit support for key areas. Focusing on the “Five Major Articles” and the “Eight Tracks,” it sustained efforts in fields such as technology finance, green finance, inclusive finance, pension finance, the marine economy, high-quality manufacturing, public utilities, and rural revitalization. Technology finance loans stood at over RMB 31.4 billion, green loans exceeded RMB 58.8 billion, inclusive loans were over RMB 53.2 billion, agriculture-related loans exceeded RMB 48.1 billion, and blue ocean loans were over RMB 22.7 billion—using financial strength to help upgrade regional industrial structures and improve support for people’s livelihoods.

In driving innovation, Bank of Qingdao continued to improve agile organization operating mechanisms, promoting the development of a cross-functional, end-to-end coordination system to achieve efficient integration of business, technology, and data. In the technology finance sector, it formed a comprehensive service paradigm of “finance + non-finance.” In the green finance sector, it cultivated the “Green Finance × Bank of Qingyin” brand. In the inclusive finance sector, it implemented the “Forging the Sword 3.0” initiative. In the pension finance sector, it used “Pension Enterprise Easy Loan” as a lever to expand an entire-ecosystem customer base. In terms of digital scenario development, the transaction banking business built a one-stop financial services system covering onshore and offshore currencies, on-balance-sheet and off-balance-sheet, and online and offline offerings, becoming the first local corporate bank in Shandong Province to obtain direct participant qualification for the Renminbi Cross-Border Payment System (CIPS).

In risk management, Bank of Qingdao continued to improve its comprehensive risk management system and promoted the transformation of risk monitoring from an “experience-driven” approach to a “data-driven” approach. At the end of 2025, the non-performing loan ratio was 0.97%, the “non-performing + watchlist” loan ratio was 1.53%, the provision coverage ratio was 292.30%, asset quality continued to show stable-to-improving trends, and the risk loss-absorbing capacity increased steadily.

During the investor and media communication session, Bank of Qingdao’s management team engaged in in-depth discussions with attending guests on issues of public concern, including the strategic plan for the new three-year period, asset quality control, net interest margin, and retail wealth management. This communication further deepened stakeholders’ understanding of Bank of Qingdao’s business and development and enhanced recognition, while helping establish a good capital-market brand image for Bank of Qingdao.

Looking ahead, Bank of Qingdao will adhere to the regional positioning of “anchoring in Qingdao, deepening in Shandong, and radiating across the country.” It will thoroughly practice the political and people-centered nature of financial work, and, through differentiated deep cultivation and distinctive operations, will comprehensively launch the opening battle for the 15th Five-Year Plan and the new three-year strategic plan. It will repay the trust and support of investors and all sectors of society with steady, solid development results.

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