Bank of Qingdao Releases Performance Report: What Drives the 21.66% Net Profit Growth Behind the Surge of Regional Banks?

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Qingdao Bank released its 2025 annual performance report on January 28. According to the data, the bank achieved a net profit attributable to shareholders of the parent company of 5.188 billion yuan for the year, an increase of 21.66% year-on-year; total assets surpassed 810 billion yuan, reaching 814.96 billion yuan, an increase of 18.12% year-on-year.

This performance report also stands out among its peers that have already published results, drawing attention to the reasons behind its growth.

Profitability Improved

The report shows that in 2025, Qingdao Bank achieved operating income of 14.573 billion yuan, an increase of 7.97% year-on-year; operating profit was 6.229 billion yuan, an increase of 25.01% year-on-year, with profit growth outpacing income growth.

It is noteworthy that the bank’s weighted average return on net assets reached 12.68%, up 1.17 percentage points from the previous year; basic earnings per share was 0.85 yuan, an increase of 23.19% year-on-year, all highlighting the strong profitability of coastal city commercial banks.

Rapid Growth in Deposit and Loan Scale

Specifically, Qingdao Bank’s deposit and loan related indicators grew significantly faster than its peers.

The report shows that by the end of 2025, Qingdao Bank’s total customer loans reached 397.008 billion yuan, an increase of 56.319 billion yuan from the end of the previous year, a growth rate of 16.53%; total customer deposits reached 502.899 billion yuan, an increase of 70.875 billion yuan from the end of the previous year, a growth rate of 16.41%. Total liabilities were 764.706 billion yuan, an increase of 18.55% year-on-year.

This may reflect the strong performance of economic activity and entities in its principal coverage areas.

Outstanding Asset Quality Performance

While asset size grew rapidly, Qingdao Bank’s asset quality also improved significantly.

The report shows that in 2025, Qingdao Bank achieved a “double decline” in both non-performing loan ratio and balance. The non-performing loan ratio fell below 1% for the first time, reaching 0.97%, down 0.17 percentage points from the end of the previous year; non-performing loan balance was 3.841 billion yuan, down 32 million yuan from the end of the previous year.

Provision coverage ratio surged to 292.30%, an increase of 50.98 percentage points from the previous year, further enhancing risk resistance.

Overall, Qingdao Bank’s performance report is quite outstanding, and the bank is also confident about the future.

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