Core Viewpoint - Qingdao Bank (002948) announced the closure and adjustment of its Taiwan Road branch to optimize its network layout and enhance financial service levels, effective December 20, 2025 [1] Group 1: Branch Closure Details - The Taiwan Road branch will cease operations and stop all financial services starting December 20, 2025, following approval from regulatory authorities [1] - Personal customer services and related business will be transferred to the Hong Kong Garden branch, while corporate customer services will be handled by the Fuzhou Road branch [2] Group 2: Customer Communication - Customers are encouraged to visit the designated branches for their banking needs or utilize online and mobile banking services [2] - The bank expresses gratitude for customer trust and support, assuring a commitment to providing efficient and professional financial services [2]

近日，2025企业家博鳌论坛·品牌信用建设论坛在海南博鳌举办，青岛银行股份有限公司数字金融部总 经理陶雅楠接受了新华信用专访，围绕城商行信用品牌建设、生态化经营与新质生产力发展、社会责任 履行等议题，介绍了青岛银行的实践经验与突出成效。她表示，青岛银行于2025年4月成立数字金融 部，着力构建"线上青银"服务体系，通过拓宽服务的时空维度，提升服务精准性与覆盖面，为高效服务 客户提供支撑。（刘旭阳 丁雅雯） ...

Core Viewpoint - The financial seminar held by Qingdao Bank, in collaboration with CITIC Securities and Harvest Fund, focused on promoting financial openness and innovation in the context of global financial integration, aiming to enhance cooperation among financial institutions and support high-quality development of the real economy [3][8]. Group 1: Event Overview - The seminar titled "Focusing on Financial Openness, Promoting Synergy and Empowerment" successfully took place at Qingdao Bank, attracting representatives from various rural commercial banks and quality enterprises across several provinces [3][8]. - The event served as a platform for discussing policy opportunities and business innovations, facilitating in-depth exchanges among industry elites [3][8]. Group 2: Key Innovations - The Shanghai Clearing House introduced the "Yulan Bond" as an innovative model for offshore bond issuance by Chinese enterprises, which is designed to enhance cross-border financial connectivity while ensuring safety and openness [4][9]. - "Yulan Bonds" can be issued in multiple currencies, including RMB, USD, and EUR, and leverage a cross-border custody mechanism established with European clearing banks, providing secure and efficient registration and settlement services [4][9]. Group 3: Strategic Implications - The seminar highlighted the importance of the "Yulan Bond" in broadening financing channels for Chinese enterprises abroad and facilitating global investors' access to RMB-denominated assets, thereby contributing to the internationalization of the RMB and the development of Shanghai as an international financial center [4][9]. - Discussions included macroeconomic market conditions and investment opportunities in the FICC sector, with insights shared by experts from CITIC Securities and Harvest Fund regarding high-level opening policies during the 14th Five-Year Plan period [6][9]. Group 4: Future Directions - Qingdao Bank emphasized its commitment to enhancing cooperation with various financial institutions to enrich the cross-border financial product system, aiming to provide better cross-border financing and investment services [10]. - The bank's leadership indicated that the seminar was a significant step towards implementing financial services for the real economy and deepening collaborative efforts among financial peers [10].

(责任编辑：徐自立) 中国经济网北京12月11日讯 青岛银行(002948.SZ)今日收报4.61元，跌幅1.07%。银行板块今日涨 0.09%，青岛银行为银行板块跌幅最大的公司。 ...

证券之星消息，12月11日城商行板块较上一交易日下跌0.07%，青岛银行领跌。当日上证指数报收于 3873.32，下跌0.7%。深证成指报收于13147.39，下跌1.27%。城商行板块个股涨跌见下表： 从资金流向上来看，当日城商行板块主力资金净流出7715.14万元，游资资金净流入6492.73万元，散户 资金净流入1222.41万元。城商行板块个股资金流向见下表： 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 ...

Core Viewpoint - The capital replenishment of small and medium-sized banks is entering a "sprint period" as they increasingly rely on methods such as capital increase and targeted fundraising to address capital adequacy pressures, with a new wave of capital replenishment accelerating [1][4]. Group 1: Recent Developments in Capital Increases - On December 8, Suzhou Bank announced that its major shareholder, Suzhou International Development Group, would increase its holdings by 44.7 million shares, accounting for 1.00% of the total share capital, between July 1, 2025, and December 5, 2025 [1]. - Hunan Bank has completed its capital increase, receiving approval to raise its registered capital by 1 billion RMB, increasing from approximately 7.75 billion RMB to about 8.75 billion RMB, a nearly 13% increase [3][8]. - Hunan Bank issued 1 billion shares to nine specific entities, raising a total of 4.01 billion RMB, with a net amount of 4.009 billion RMB after deducting issuance costs [3][8]. Group 2: Capital Adequacy and Regulatory Context - As of the end of Q3 2025, the capital adequacy ratio for commercial banks (excluding foreign bank branches) was 15.36%, with tier one capital adequacy at 12.36% and core tier one capital adequacy at 10.87% [4][9]. - The capital adequacy ratios for city commercial banks and rural commercial banks were 12.40% and 13.20%, respectively, which are lower than the average levels of 17.99% for large commercial banks and 13.48% for joint-stock commercial banks [4][9]. Group 3: Role of Local State-owned Capital - Local state-owned capital has become a significant force in the current wave of capital increases among small and medium-sized banks, with Hunan Bank's issuance entirely directed to state-owned entities [10][11]. - The involvement of local state-owned capital not only provides immediate financial support but also contributes to long-term capital generation effects, as local governments often promote such investments [5][11].

Core Viewpoint - The Qingdao Bank Jining Branch is actively enhancing financial support for the mechanical manufacturing industry in Jining through a structured financial empowerment initiative, aiming to inject strong financial momentum into the local industrial economy [1][7]. Group 1: Mechanism and Structure - The Qingdao Bank Jining Branch has established a leadership group to coordinate resources across various departments, creating a comprehensive service system for the mechanical manufacturing sector [2]. - A pre-approval mechanism for loans has been implemented to improve service efficiency, significantly reducing approval times for manufacturing enterprises [2]. - The bank has incorporated metrics such as loan volume and the number of serviced enterprises into performance evaluations to encourage staff engagement in financial services [2]. Group 2: Government and Enterprise Collaboration - The bank is deepening collaboration with government and industry associations to broaden service channels and better understand the financing needs of local technology manufacturing enterprises [3]. - Innovative cooperation models between the bank and government entities have been developed to lower financing thresholds and costs for enterprises [3]. Group 3: Financial Product Innovation - The Qingdao Bank Jining Branch has launched specialized financial products like "Kechuang Fast Loan" and "Kechuang Easy Loan" to meet the diverse financing needs of different manufacturing enterprises [4]. - "Kechuang Fast Loan" supports technology transformation for innovative enterprises using a comprehensive credit evaluation system, while "Kechuang Easy Loan" targets small and micro technology enterprises with simplified application processes [4]. Group 4: Personalized Service - A specialized financial service team has been formed to provide tailored financial solutions to manufacturing enterprises, ensuring a deep understanding of their operational and financial situations [5]. - The bank successfully provided a customized financing solution of 50 million yuan to a fluid control enterprise, addressing its cash flow challenges and supporting its supply chain [5][6]. Group 5: Service Outcomes - As of the end of Q3 2025, the bank's loans to the manufacturing sector reached nearly 500 million yuan, with funds directed towards emerging industries such as high-end equipment manufacturing and new materials [7]. - The financial services align with Jining's strategic focus on industrial economic growth and innovation, contributing to the city's ambitious economic goals [7].

Core Insights - The event organized by the Peninsula Junior Reporter Group at the Qingdao Bank's renovated old vault provided a unique financial knowledge experience for children, combining historical exploration, practical activities, and in-depth interviews [1][15] Group 1: Historical Context - The venue features historical artifacts such as the old vault door, vintage financial documents, and old currencies, showcasing the century-long history of Qingdao Bank [4] - Children learned about the evolution of the banking industry from the Republican era to modern financial technology, making abstract financial concepts tangible through historical stories and exhibits [4] Group 2: Interactive Learning - In the fun experience area, children participated in activities like "panning for gold," which allowed them to experience the joy of labor and achievement through hands-on practice [7] - The "murder mystery" role-playing segment encouraged teamwork and logical thinking as children worked together to solve puzzles based on historical clues and exhibit details [7] Group 3: Interview Segment - During the interview session, children asked insightful questions about balancing historical preservation with modern experiences and future educational activities aimed at youth [11] - The staff provided detailed answers, enriching the children's knowledge and enhancing their communication and adaptability skills [11] Group 4: Overall Impact - The event broke away from traditional educational methods, making financial knowledge accessible and engaging through immersive experiences, thus stimulating children's interest in learning [15] - The Peninsula Junior Reporter Group plans to continue exploring diverse educational scenarios to provide children with a rich and varied growth platform [15]

Core Viewpoint - The recent increase in institutional research on local listed banks, particularly city and rural commercial banks, is driven by improving fundamental indicators, investment value, and market performance, with a generally optimistic outlook on net interest margins and dividend prospects [1][3]. Group 1: Institutional Research Activity - As of December 3, 12 listed banks have received 195 research visits from 81 institutions since November, a significant increase from October's 58 visits [1][2]. - The banks involved in this round of research are all regional institutions, including Ningbo Bank, Hangzhou Bank, and others [2]. - Year-to-date, 25 banks have been researched, with Ningbo Bank and Hangzhou Bank leading in the number of visits, receiving 323 and 285 visits respectively [3]. Group 2: Outlook on Net Interest Margins - Institutions are focusing on dividend plans, net interest margin outlooks, and response measures during their research [4]. - Despite a historical low net interest margin of 1.42% as of Q3, many banks express optimism about future trends, citing potential stabilization [4][5]. - Banks are adjusting their asset-liability structures and reducing deposit rates to manage the pressure on net interest margins [5]. Group 3: Dividend Stability and Plans - The upcoming mid-term dividends for A-share listed banks in 2025 have become a focal point for institutions, with banks like Ningbo Bank and Zhangjiagang Bank implementing mid-term dividends for the first time [6]. - Several banks, including Suzhou Bank, maintain a stable cash dividend ratio of over 30%, indicating a commitment to providing consistent returns to shareholders [6]. - Banks are advised to balance their operational performance with dividend frequency, ensuring that dividend policies are aligned with profitability and capital adequacy [7].

青岛银行股份有限公司 境内同步披露公告 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根据《香港联合交易所有限公司证券上市规则》规定， 已在香港联合交易所有限公司披露易网站（https://www.hkexnews.hk/）披露后附 公告。 根据《深圳证券交易所股票上市规则》关于上市公司在境内外证券交易所同 步披露公告的规定，特将该公告在深圳证券交易所网站（http://www.szse.cn/）同 步披露，供参阅。 截至月份: 2025年11月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 青島銀行股份有限公司 特此公告。 青岛银行股份有限公司董事会 2025 年 12 月 1 日 FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 呈交日期: 2025年12月1日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | -- ...