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

On April 2, 2026, Qingdao Bank successfully held its 2025 annual performance briefing session, attracting many securities analysts, institutional investors, and professional financial media representatives to attend. Led by Qingdao Bank’s President Wu Xianming, the management team attended the meeting and engaged in in-depth exchanges with the attending guests, analysts, and media regarding Qingdao Bank’s operating performance in 2025 and its future development.

President Wu Xianming delivered remarks on behalf of the management, expressing gratitude to friends from all sectors of society who have long cared about and supported Qingdao Bank’s development. He said that 2025 is both the closing year for fully implementing the “14th Five-Year Plan” and the decisive year for Qingdao Bank’s three-year strategic plan. Qingdao Bank has remained steadfast in serving through the tides of the times, and has delivered a high-quality answer sheet characterized by “steady growth in scale, improved efficiency and returns, and a positive trend in quality.”

At the briefing session, the Board Secretary Zhang Qiaowen provided a comprehensive summary of Qingdao Bank’s key operating performance in 2025 across multiple dimensions, including business scale, profitability, customer-base development, business mix, asset quality, and group coordination. In 2025, Qingdao Bank adhered to the overall working tone of pursuing progress while ensuring stability, maintained steady growth in the size of its assets and liabilities, continued to enhance operating performance and efficiency, and sustained an improving trend in asset quality with stability. On the corporate side, it continued to advance tiered customer operations and built an industry-focused and specialized service model, with the total number of corporate customers exceeding 300k. On the retail side, it built a tiered operating system around scenarios such as communities, payroll services, and social security, with debit customers exceeding 6.3 million. In terms of group coordination, subsidiaries such as Qingsilver Financial Leasing and Qingsilver Wealth Management developed steadily, and the integrated service system continued to improve.

In supporting the real economy, Qingdao Bank continued to intensify credit support for key areas, and, centered on the “Five Major Articles” and the “Eight Tracks,” stepped up efforts in fields including science and technology finance, green finance, inclusive finance, retirement finance, the marine economy, high-quality manufacturing, public utilities, and rural revitalization. The outstanding balance of science and technology finance loans exceeded 31.4 billion yuan, the outstanding balance of green loans exceeded 58.8 billion yuan, inclusive loans exceeded 53.2 billion yuan, agricultural-related loans exceeded 48.1 billion yuan, and blue-marine loans exceeded 22.7 billion yuan—using financial strength to support the upgrading of regional industrial structure and improvements in people’s livelihoods and wellbeing.

In terms of innovation-driven development, Qingdao Bank continued to improve its agile organizational operating mechanisms, promoting the construction of a cross-functional, end-to-end coordination system, to achieve high-efficiency integration of business, technology, and data. In the science and technology finance sector, it established an integrated service paradigm of “finance + non-financial,” and in the green finance sector, it focused deeply on the “Green Finance • Qingsilver Bank” brand. In the inclusive finance sector, it implemented the “Sword-Casting Action 3.0,” while in the retirement finance sector it leveraged “Retirement Enterprise Easy Loan” to expand an end-to-end ecosystem of customer groups. In the development of digital scenario-based capabilities, the transaction banking business built a one-stop financial service system covering onshore and offshore, in both local and foreign currencies, on-balance-sheet and off-balance-sheet, as well as online and offline operations, becoming the first local corporate bank in Shandong Province to obtain direct participant qualifications for the Renminbi Cross-Border Payment System (CIPS).

In risk management, Qingdao Bank continued to improve its comprehensive risk management system and promoted the transformation of risk monitoring from “experience-driven” to “data-driven.” At the end of 2025, the ratio of non-performing loans was 0.97%, the ratio of “non-performing + watchlist” loans was 1.53%, and the provision coverage ratio was 292.30%. Asset quality continued to improve with stability, and the risk coverage capacity was steadily strengthened.

During the investor and media exchange session, Qingdao Bank’s management team carried out in-depth communication with participating guests on issues of public concern, including the new three-year strategic plan, asset quality control, net interest margin, and retail wealth management. This exchange further deepened the understanding and recognition of Qingdao Bank’s business and development among all sectors of society, and helped establish Qingdao Bank’s good brand image in the capital market.

Looking ahead, Qingdao Bank will adhere to its regional positioning of “rooted in Qingdao, deeply cultivating Shandong, and radiating across the country.” It will earnestly implement the political and people-centered nature of financial work, and comprehensively win the opening battle of the “15th Five-Year Plan” and the new three-year strategic plan through differentiated deep cultivation and distinctive operations. It will give back investors and all sectors of society with solid and steady development results, and with their trust and support.

Abundant information and precise interpretation—available at Sina Finance APP