Qilu Bank Co Ltd Financial Overview

Qilu Bank Co., Ltd., a commercial bank based in Jinan, China, operates on the Shanghai Stock Exchange. As of September 1, 2025, the bank’s close price was 5.75 CNH, with a 52-week high of 6.8 CNH on June 4, 2025, and a 52-week low of 4.07 CNH on September 17, 2024. The bank’s market capitalization stands at 34,650,000,000 CNH, and it has a price-to-earnings ratio of 7.092. Qilu Bank offers a comprehensive range of financial services, including deposits, loans, settlement, credit guarantee, investment, wealth management, bill discounting, and intermediate services, alongside electronic banking and trade finance.

Banking Sector Performance

In the first half of 2025, 42 A-share listed banks reported a combined profit of 11,000 billion yuan, marking a 0.8% increase from the previous year. The net profit growth rate was 0.8%, with a non-performing loan ratio of 1.15%, down by 1 basis point from the previous period. The banks’ revenue reached 2.92 trillion yuan, up by 1% year-on-year. The banking sector’s net interest margin showed signs of improvement, indicating a more diversified revenue structure and enhanced operational capabilities. Notably, 10 banks distributed dividends with a payout ratio exceeding 30%.

Market Trends and Capital Flows

On September 2, 2025, the Shanghai Composite Index fell by 0.45%, with the banking and public utilities sectors leading the gains at 1.95% and 0.99%, respectively. The banking sector attracted significant capital inflows, with a net inflow of 34.17 billion yuan, the highest among all sectors. In contrast, the electronics and computer sectors experienced substantial capital outflows.

Stock Market Movements

The A-share market experienced a downturn on September 2, 2025, with the Shanghai Composite Index falling by 0.45% to 3858.13 points. The banking sector, however, performed well, with stocks like Zhili Bank and Yunnan Rural Commercial Bank rising by over 4%. The technology sector faced a decline, with AI and semiconductor stocks underperforming.

Investment Insights

As of September 1, 2025, 178 stocks in the Shanghai and Shenzhen markets had received net buying for five consecutive days or more. Zhili Bank led with 18 consecutive days of net buying. Other stocks with significant net buying included Kesen Technology, Zhonggang International, and Huagong Technology.

Conclusion

Qilu Bank, along with the broader banking sector, has shown resilience and growth amidst a complex economic environment. The bank’s diversified service offerings and strategic adjustments in asset allocation, particularly towards technology and international assets, position it well for future growth. The banking sector’s improved operational efficiency and support for the real economy have contributed to its robust performance in the first half of 2025.