Core Insights - Qingdao Bank reported a net profit attributable to shareholders of 3.992 billion yuan for the first three quarters of 2025, an increase of 537 million yuan, or 15.54% year-on-year [1] - The bank's total operating income reached 11.013 billion yuan, up by 527 million yuan, or 5.03% year-on-year [1] - The annualized weighted average return on equity improved to 13.16%, an increase of 0.48 percentage points compared to the previous year [1] Financial Performance - As of September 30, 2025, total assets amounted to 765.571 billion yuan, an increase of 75.608 billion yuan, or 10.96% from the end of the previous year [1] - Total liabilities reached 718.417 billion yuan, up by 73.354 billion yuan, or 11.37% year-on-year [1] - Customer loans totaled 375.298 billion yuan, an increase of 34.608 billion yuan, or 10.16% from the end of the previous year, with a year-on-year increase of 3.571 billion yuan [1] - Customer deposits amounted to 481.727 billion yuan, up by 49.703 billion yuan, or 11.50% year-on-year, with a year-on-year increase of 7.573 billion yuan [1] Regulatory Indicators - The non-performing loan ratio stood at 1.10%, a decrease of 0.04 percentage points from the end of the previous year [2] - The provision coverage ratio improved to 269.97%, an increase of 28.65 percentage points year-on-year [2] - The core tier 1 capital adequacy ratio was 8.75%, down by 0.36 percentage points from the end of the previous year [2] - The overall capital adequacy ratio was 13.14%, a decrease of 0.66 percentage points compared to the previous year [2]

Investment Rating - The report maintains a "Buy" rating for Qingdao Bank [1]. Core Views - Qingdao Bank's revenue for the first three quarters of 2025 reached 11 billion yuan, a year-on-year increase of 5%, while net profit attributable to shareholders was 4 billion yuan, up 15.5% year-on-year. The weighted average return on equity (ROAE) was 13.16%, an increase of 0.48 percentage points year-on-year [3][4]. Summary by Sections Financial Performance - Revenue growth was impacted by a decline in non-interest income, but profit maintained a double-digit growth. The year-on-year growth rates for revenue, pre-provision profit, and net profit attributable to shareholders were 5%, 7.6%, and 15.5%, respectively, showing a decline compared to the first half of 2025 [4]. - Net interest income grew by 12% year-on-year, while non-interest income saw a decline of 10.7% [4]. Asset Quality - As of the end of Q3 2025, the non-performing loan (NPL) ratio was 1.1%, and the attention rate was 0.55%, indicating stable asset quality [9]. - The bank's provision coverage ratio improved to 270%, reflecting strong risk compensation capabilities [9]. Capital Adequacy - The core tier 1 capital adequacy ratio stood at 8.75%, with total capital adequacy at 13.14% as of Q3 2025, indicating stable capital levels [9][28]. Profitability Forecast - The report forecasts earnings per share (EPS) for 2025-2027 to be 0.84, 0.91, and 0.97 yuan, respectively, with corresponding price-to-book (PB) ratios of 0.73, 0.66, and 0.60 [10][11].

10月29日，青岛银行跌5.01%，截至发稿，报4.93元/股，成交2.01亿元，换手率1.29%，总市值286.94亿 元。 资料显示，青岛银行股份有限公司位于山东省青岛市崂山区秦岭路6号，成立日期1996年11月15日，上 市日期2019年1月16日，公司主营业务涉及公司银行业务、零售银行业务和资金业务等。主营业务收入 构成为：公司银行业务47.29%，金融市场业务26.27%，零售银行业务21.87%，未分配项目及其他 4.57%。 从基金十大重仓股角度 数据显示，长城基金旗下1只基金重仓青岛银行。长城量化小盘股票A（007903）三季度减持1.8万股， 持有股数16.72万股，占基金净值比例为1.07%，位居第九大重仓股。根据测算，今日浮亏损失约4.35万 元。 长城量化小盘股票A（007903）基金经理为雷俊。 截至发稿，雷俊累计任职时间10年314天，现任基金资产总规模39.09亿元，任职期间最佳基金回报 178.52%， 任职期间最差基金回报-89.53%。 风险提示：市场有风险，投资需谨慎。本文为AI大模型自动发布，任何在本文出现的信息（包括但不 限于个股、评论、预测、图表、指标、理论、任何形 ...

格隆汇10月28日丨青岛银行(002948.SZ)公布2025年第三季度报告，营业收入为33.51亿元，同比上升 0.22%；归属于上市公司股东的净利润为9.27亿元，同比上升13.90%；归属于上市公司股东的扣除非经 常性损益的净利润为9.26亿元，同比上升18.75%。 ...

格隆汇10月28日丨青岛银行(002948.SZ)发布公告，2025年前三季度，实现营业收入110.13亿元，同比增 加5.03%；归属于母公司股东的净利润39.92亿元，同比增加15.54%；扣除非经常性损益后归属于母公司 股东的净利润39.63亿元，同比增加17.54%；基本每股收益0.65元。 ...

规模增长方面，截至9月末，青岛银行资产总额7655.71亿元，比上年末增长10.96%；客户贷款总额 3752.98亿元，比上年末增长10.16%；客户存款总额4817.27亿元，比上年末增长11.50%。 青岛银行在报告中表示，报告期内该行积极应对资产收益率下行等经营挑战，扩规模、调结构、降成 本，营业收入增长快于营业支出，带动利润较快增长，实现良好经营业绩。在营业收入方面，扩大贷 款、金融投资等高收益生息资产规模，同时，深入发掘负债成本压降空间，成本率和利息支出均同比下 降，利息净收入稳步增长。 来源：上海证券报·中国证券网 具体来看，2025年前三季度，该行利息净收入81.39亿元，同比增长12.00%；非利息收入28.74亿元，同 比下降10.72%，其中，投资收益和公允价值变动损益合计16.90亿元，同比减少1.52亿元，主要是债券 市场走势弱于上年，虽然进行止盈操作，价差收益增加，但是估值收益减少。 上证报中国证券网讯（记者 马慜）10月28日，青岛银行发布的2025年第三季度报告显示，今年前三季 度实现归属于母公司股东的净利润39.92亿元，同比增长15.54%；营业收入110.13亿元，同比增 ...

Core Viewpoint - Qingdao Bank has successfully issued "Qingdao Bank Co., Ltd. 2025 Non-Fixed Term Capital Bonds" in the national interbank bond market, following approval from the Qingdao Regulatory Bureau of the National Financial Supervision Administration and the People's Bank of China [1] Summary by Category - **Company Announcement** - Qingdao Bank announced the successful issuance of its non-fixed term capital bonds [1] - **Regulatory Approval** - The issuance was approved by relevant regulatory bodies, including the Qingdao Regulatory Bureau and the People's Bank of China [1]

北京商报讯（记者 孟凡霞 周义力）10月28日，青岛银行发布2025年三季度报告。前三季度，该行实现 营收110.13亿元，同比增加5.27亿元，增长5.03%；实现归属于母公司股东的净利润39.92亿元，同比增 加5.37亿元，增长15.54%；加权平均净资产收益率（年化）13.16%，同比提高0.48个百分点。 截至报告期末，青岛银行核心一级资本充足率8.75%，比上年末下降0.36个百分点；资本充足率 13.14%，比上年末下降0.66个百分点。 报告显示，前三季度，该行贷款、存款增加额均超上年同期。截至2025年9月末，该行客户贷款总额 3752.98亿元，增长10.16%，同比多增35.71亿元。客户存款总额4817.27亿元，增长11.50%，同比多增 75.73亿元；占负债总额比例67.05%，比上年末提高0.08个百分点。 资产质量方面，截至2025年9月末，青岛银行不良贷款率1.10%，比上年末下降0.04个百分点；拨备覆盖 率269.97%，比上年末提高28.65个百分点。 ...

Core Viewpoint - Qingdao Bank has successfully issued a perpetual capital bond with a total scale of RMB 2 billion, approved by regulatory authorities, to supplement its Tier 1 capital [1] Group 1: Bond Issuance Details - The bond issuance was completed on October 28, 2025, after being recorded on October 24, 2025 [1] - The initial coupon rate for the first five years is set at 2.45%, with adjustments every five years thereafter [1] - The bank retains the right to redeem the bond in whole or in part on each interest payment date starting from the fifth year [1] Group 2: Fund Utilization - The funds raised from this bond issuance will be used to supplement the bank's other Tier 1 capital, in accordance with applicable laws and regulatory approvals [1]

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。 特此公告。 青岛银行股份有限公司董事会 青岛银行股份有限公司 Bank of Qingdao Co., Ltd.* 青 島 銀 行 股 份 有 限 公 司 * （ 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） 2025年第三季度報告 青島銀行股份有限公司（「本行」）根據《香港聯合交易所有限公司證券上市規則》（「上市規 則」）第13.09條及香港法例第571章《證券及期貨條例》第XIVA部項下之內幕消息條文（按 上市規則定義）作出本公告。 本報告以中英文編製，如中英文文本有任何不一致，以中文 ...