（ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （H股股份代號：3866） 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條作出。 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 Bank of Qingdao Co., Ltd.* 青 島 銀 行 股 份 有 限 公 司 * * 青島銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可機構，並不受 限於香港金融管理局的監督，亦不獲授權在香港經營銀行及╱或接受存款業務。 证券代码：002948 证券简称：青岛银行 公告编号：2025-050 如下公告已於深圳證券交易所網站刊登，僅供參閱。 特此公告。 承董事會命 青島銀行股份有限公司* 景在倫 董事長 中國山東省青島市 2025年12月30日 於本公告日期，董事會包括執行董事景在倫先生、吳顯明先生、陳霜女士及劉 鵬先生；非執行董事周雲傑先生、Rosario Strano先 ...

会议审议通过了《关于<青岛银行股份有限公司 2026-2028 年战略规划>的议 案》 本议案同意票 14 票，反对票 0 票，弃权票 0 票。 备查文件 证券代码：002948 证券简称：青岛银行 公告编号：2025-050 青岛银行股份有限公司董事会决议公告 本行及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、误导性陈 述或者重大遗漏。 青岛银行股份有限公司（以下简称"本行"）于2025年12月25日以电子邮件方 式向董事发出关于召开第九届董事会第二十四次会议的通知，会议于2025年12 月30日以书面传签方式召开，应参与表决董事14名，实际表决董事14名。本次会 议召开符合《中华人民共和国公司法》《深圳证券交易所股票上市规则》和《青 岛银行股份有限公司章程》的规定。 经与会董事签字的通讯表决书及加盖董事会印章的董事会决议。 特此公告。 青岛银行股份有限公司董事会 2025 年 12 月 30 日 ...

Core Insights - The fourth Qingdao Digital Financial Innovation Competition successfully concluded, focusing on the theme "Leading the Financial Wave with Data, Wisdom Gathering Wealth in Qingdao" and achieving a strategic shift from "single-point breakthroughs" to "systematic tackling" [1][6] Group 1: Competition Overview - The competition featured two main units: "Outstanding Financial Technology Projects" and "Financial Technology Challenge," selecting a range of forward-looking, practical, and replicable industry-level solutions to support high-quality regional digital financial development [1][6] - A total of 28 outstanding projects were recognized, showcasing the hard power and diversified layout of local financial institutions in their digital transformation [7] Group 2: Award-Winning Projects - The first prize projects included Qingdao Rural Commercial Bank's "Technology Financial Empowerment Project based on Big Data Analysis and Privacy Computing," China Merchants Bank Qingdao Branch's "Qing Chain Pass," and Qingdao Bank's "Smart Credit Assistant System Construction Project," representing the highest level in data value release, supply chain financial ecosystem construction, and credit intelligence transformation [7] - Other notable projects included Industrial and Commercial Bank of China Qingdao Branch's "General Plug-and-Play Large Model Empowerment System," Rizhao Bank Qingdao Branch's "New Paradigm for Agricultural Product Pledge Business," and Bank of Communications Qingdao Branch's "Smart Anti-Fraud Risk Control Ecosystem," reflecting a comprehensive digital innovation landscape in Qingdao's financial sector [2][7] Group 3: Technology Companies Participation - Top technology companies such as 360 Digital Security, iFLYTEK, Ant Blockchain, and Hang Seng Electronics participated in the "Financial Technology Challenge," submitting high-scoring solutions that matched the core pain points identified by financial institutions [3][8] - A total of 21 benchmark solutions were selected, including 360 Digital Security's "Host Protection System Thinking," which won the "Network Security Protection and Micro-Isolation Technology" category, and iFLYTEK's AI digital human application that supports over 130 languages and enhances financial services [8][9] Group 4: Collaborative Mechanism - The competition introduced a collaborative mechanism involving three organizing bodies and four financial institutions, addressing the challenges of resource fragmentation and demand diversification in financial innovation [4][10] - Joint lists focused on key aspects of digital financial scene implementation, elevating the goals from individual institutional needs to addressing systemic challenges affecting regional financial development [10] Group 5: Ecosystem Development - The Qingdao Digital Financial Innovation Competition has evolved into a significant platform for deepening financial supply-side structural reform and building a regional financial technology innovation ecosystem [11] - The competition has successfully established a fusion system of "government guidance, enterprise leadership, and market operation," facilitating the transition of innovative results from the laboratory to practical applications [11][12]

Investment Rating - The report provides a "Buy" rating for all listed banks analyzed, indicating a positive outlook for their stock performance [6]. Core Insights - The report focuses on the classification of financial investments, the current allocation of listed banks, and how related revenues are accounted for under new accounting standards [5]. - As of Q3 2025, the financial investments of 42 listed banks total approximately 101.5 trillion CNY, with 87% allocated to the configuration portfolio and 13% to the trading portfolio [5][23]. - The bond market is the primary investment direction for listed banks, accounting for 87.6% of their financial investments, with government bonds making up 59.5% of this total [5]. Summary by Sections 1. Classification of Financial Investments - Financial assets are classified into three categories under the new accounting standards: FVTPL (fair value through profit or loss), AC (amortized cost), and FVOCI (fair value through other comprehensive income) [12][13]. - The classification is based on the business model for managing financial assets and the cash flow characteristics of the financial assets [14]. 2. Accounting for Market Revenues - FVTPL assets reflect market fluctuations through "fair value changes" in profit or loss, while AC assets do not reflect fair value changes and primarily generate income from interest [5]. - FVOCI assets account for market fluctuations in other comprehensive income, with interest income recognized in profit or loss [5]. 3. Financial Investment Structure - The configuration portfolio is dominant, with state-owned banks showing the highest allocation to AC, while joint-stock banks and city commercial banks have a higher proportion of trading assets [23][24][25]. - The report notes a structural shift where FVOCI is becoming the main growth area, as banks seek flexibility in their investment strategies [5][23].

本次发布的"海贝计划2.0"方案，在原有集团各板块资源持续发力的基础上，增加了多个精细化服务合 作客群、定制化支持合作客户的"新思维"。在集团协同方面，新方案从集团业务板块分别支持托管客户 升级为综合化、体系化、联动化服务，将自营资金、资管资金与财富销售整合，链接各类型同业客户的 多方面合作需求；在客群合作方面，首次提出青银同业客群生态圈理念，充分分析挖掘集团数百家重点 同业客户数据库，将客户业务类型、发展需求与金融资源相匹配，推动"客户服务客户，青银服务全 部"的合作模式；在产品合作方面，新方案将"共育成长"的节点进一步前置，在合作初期即与客户针对 宏观经济、市场环境、业务机遇、资产配置、产品创设等方面开展深度合作研究，以实现托管产品的市 场化竞争力与长期成长力。更值得一提的是，青岛银行在新方案中创新性的将科技协同纳入合作重要环 节，提出后续将以更多资源契合客户的运营"小需求""微创新"，助力合作伙伴在数字化运营、数智化风 控方面提质增效。 "海贝计划2.0"方案推出后，青岛银行将全面开启资产托管业务的生态化未来打造之路，以"规模跨越式 增长+体系化布局升级"双轮驱动，全面打造基于客户服务和共生共赢的集团内 ...

Core Insights - The construction of a financial powerhouse relies on financial institutions deeply rooted in the real economy and providing precise empowerment, requiring banks to shift from traditional lending to offering systematic and accompanying financial services [1] Group 1: Financial Empowerment of Foreign Trade - In the first half of the year, Shandong Province's goods trade import and export reached 1.73 trillion yuan, ranking fifth nationwide, with Qingdao accounting for 442.7 billion yuan, or 25.6% of the province's total [2] - Qingdao Bank has tailored a comprehensive financial solution for a local company, A Group, involved in seaweed bio-products, which includes cross-border trade financing, cross-border settlement, and USD demand deposit services, successfully enhancing the company's supply chain competitiveness [2] - A Group has secured over 300 million yuan in loans from Qingdao Bank, enabling it to sign supply agreements with multiple core suppliers in Chile, thereby locking in prices for seaweed [2] Group 2: Customized Financial Solutions for Advanced Manufacturing - Qingdao ranks sixth nationally in advanced manufacturing, with significant clusters in the region, but high-end manufacturing equipment procurement and upgrades require substantial investment [3] - A microelectronics company in Qingdao received a tailored technical transformation loan of 10 million yuan from Qingdao Bank to purchase essential testing equipment for its newly approved integrated circuit reliability verification project [3][4] - The bank expedited the loan approval process through a "green channel," completing the disbursement in just three working days after receiving complete documentation [4] Group 3: Resource Linking for Green Development - Financial institutions play a crucial role in linking enterprises with policies, resources, and channels, especially for technology-driven companies [5][6] - Qingdao Bank has developed a product system for technology enterprises and established a communication mechanism with local government departments to better understand and meet enterprise needs [6] - The bank successfully approved a project loan of 95 million yuan for Qingdao Blue New Energy Co., Ltd., along with assisting in obtaining low-cost re-lending funds to reduce financing costs significantly [6][7]

Group 1 - The announcement from Qingdao Bank details the business hours during the New Year holiday period in 2026 [1] - All branches in Qingdao will be closed on January 1, 2026, which is a Thursday [3] - Some branches will operate on January 2 and January 3, 2026, allowing for personal banking services, while all branches will resume normal operations on January 4, 2026 [3] Group 2 - The operating hours for branches in other cities will be determined based on local banking association requirements [1]

Group 1 - The core idea emphasizes the need to build an adaptive service ecosystem for technology finance, focusing on the alignment of financial services with the varying needs of technology enterprises at different development stages [1] - There is a trend towards a diversified relay-style financial service ecosystem involving various financial institutions such as PE, VC, banks, and insurance to meet the financing needs of technology enterprises throughout their lifecycle [1][2] - Banks play a crucial role not only as fund providers but also as facilitators that gather resources from different financial institutions to support technology enterprises [2] Group 2 - The recent acceleration in the issuance of AIC licenses to banks is expected to enhance their ability to provide precise and professional financing support to technology enterprises [2] - Despite favorable policies, bank-affiliated AICs face challenges such as high capital requirements for equity investments and a tendency to favor later-stage projects over early-stage startups [3] - Local banks, while not directly benefiting from AIC licenses, can leverage their local market knowledge and agility to better serve small and early-stage technology enterprises [4] Group 3 - Banks need to enhance their understanding of technology innovation and the specific needs of technology enterprises to effectively engage in technology finance [5] - The establishment of a "loan research system" akin to the investment research system in equity investment is essential for banks to improve their service capabilities in technology finance [5] - Differentiated assessment and incentive mechanisms are necessary to encourage frontline staff to engage in technology finance, given the complexities and uncertainties involved [5] Group 4 - The exit strategies in equity investment, particularly for bank-affiliated AICs, face significant challenges, necessitating improvements in the market exit mechanisms [6][7] - Policy improvements are needed to enhance the exit channels for equity investments, including optimizing merger and acquisition processes and developing secondary funds for easier exits [7] - Collaborative efforts among financial, fiscal, and technology departments are crucial to transform the social effects of innovation into economic benefits, thereby reducing costs for technology enterprises [8][9]

Core Insights - The article emphasizes the need to build an adaptable service ecosystem for technology finance, focusing on the alignment between financial supply and the diverse needs of technology enterprises at different development stages [1][3][4]. Group 1: Financial Ecosystem Trends - The financing needs of technology enterprises vary across their lifecycle stages, requiring different types of financial support from various institutions such as venture capital, banks, and insurance [3][4]. - The current financing structure in China is predominantly indirect, with banks playing a crucial role in supporting technology enterprises throughout their lifecycle [4][5]. Group 2: Role of Banks and Financial Institutions - Banks are not only fund providers but also play a guiding role in aggregating resources from different financial institutions to support technology enterprises [4][5]. - The recent expansion of Asset Investment Company (AIC) licenses allows banks to provide integrated financial services, combining funding and capital support for technology innovation [5][6]. Group 3: Challenges and Opportunities for Local Banks - Local banks, despite not having direct access to AIC licenses, can leverage their local information advantages and agile decision-making to better serve small and early-stage technology enterprises [6][7]. - Local banks should enhance their understanding of technology innovation and develop specialized research capabilities to improve their service offerings in technology finance [8]. Group 4: Enhancing Service Capabilities - Banks need to establish a differentiated assessment and incentive mechanism to support the complexities of technology finance, ensuring that frontline staff are motivated to engage in this area [8][9]. - A specialized approval mechanism is necessary for banks to efficiently manage the unique characteristics of technology enterprises, which often involve high-tech and asset-light models [8][9]. Group 5: Exit Strategies in Equity Investment - The exit phase in equity investment is critical, with current methods such as IPOs and mergers facing significant challenges, necessitating improvements in exit channels [9][10]. - Policy and market improvements are needed to create a more favorable environment for investment exits, including enhancing the inclusivity of various market platforms [11][12]. Group 6: Collaborative Efforts from Regulatory Bodies - Regulatory bodies should facilitate collaboration among finance, technology, and fiscal departments to convert the social effects of innovation into economic benefits for technology enterprises [12][13]. - Financial institutions should be incentivized to support technology enterprises through various funding mechanisms, including risk-sharing funds and technology financial rewards [12][13].

Core Viewpoint - Qingdao Bank has been awarded the prestigious "Five Star Diamond Award" for the tenth time, recognizing its exceptional customer service and experience, making it the only company from Shandong Province to receive this honor [1][9]. Group 1: Customer Service Excellence - Qingdao Bank emphasizes its commitment to serving the real economy, integrating national priorities into its operational development, and focusing on quality and efficiency [3]. - The bank has handled over 78,000 consumer complaints and customer assistance requests, using data analysis to improve service quality [4]. - The bank's intelligent service initiatives have achieved significant metrics, including over 1.81 million interactions with text-based robots and a 98.73% accuracy rate in responses [4]. Group 2: Senior Citizen Services - In response to the aging population, Qingdao Bank has updated its elderly service standards, focusing on enhancing the financial experience for senior customers [5]. - The bank has established a three-tier service network in rural areas, with 28 branches to improve accessibility [5]. Group 3: Sustainable Financial Services - Qingdao Bank is committed to supporting the real economy through its "Green Finance" and "Blue Finance" initiatives, aligning with national dual carbon strategies [7]. - The bank launched the first domestic bond index focused on the marine economy, enhancing financing channels for the marine industry [7]. - As of September 2025, the bank's blue loan balance reached 21.34 billion, a 27.17% increase year-on-year, significantly outpacing overall loan growth [7]. Group 4: Green Finance Initiatives - The bank has developed a comprehensive green finance product matrix, including various loan products aimed at supporting low-carbon transitions [8]. - By September 2025, the green loan balance reached 54.83 billion, reflecting a 46.80% increase, demonstrating a strong commitment to sustainable finance [8]. Group 5: Future Directions - Qingdao Bank plans to continue its focus on blue economy cultivation, green transition, and support for small and micro enterprises, contributing to high-quality development [9].