Financial Performance - In Q3 2025, Qingdao Bank reported operating income of RMB 3,350,751,000, a decrease of 0.22% year-on-year[5] - The net profit attributable to shareholders of the parent company for Q3 2025 was RMB 927,183,000, an increase of 13.90% year-on-year[5] - The net profit attributable to shareholders of the parent company for the first nine months of 2025 reached RMB 3,991,866,000, reflecting a growth of 15.54% compared to the same period last year[5] - The basic earnings per share for Q3 2025 was RMB 0.12, up by 20.00% year-on-year[5] - The diluted earnings per share for the first nine months of 2025 was RMB 0.65, reflecting an 18.18% increase year-on-year[5] - Net profit attributable to shareholders was CNY 3.99 billion, an increase of CNY 0.54 billion, or 15.54% year-over-year[25] - Operating income reached CNY 11.01 billion, up CNY 0.53 billion, or 5.03% year-over-year[25] - For the nine months ended September 30, 2025, the net profit reached RMB 4,124,770, an increase of 15.8% compared to RMB 3,560,199 for the same period in 2024[55] - The total comprehensive income for the nine months ended September 30, 2025, was RMB 3,468,357, a decrease of 28.1% from RMB 4,819,987 in 2024[57] Assets and Liabilities - Total assets as of September 30, 2025, amounted to RMB 765,571,459,000, representing a year-on-year increase of 10.96%[5] - Total liabilities increased by 11.37% year-on-year, reaching RMB 718,416,730,000 as of September 30, 2025[5] - Total assets reached CNY 765.57 billion, an increase of CNY 75.61 billion, or 10.96% year-over-year[24] - Total liabilities amounted to CNY 718.42 billion, up CNY 73.35 billion, or 11.37% year-over-year[24] - The bank's total liabilities as of September 30, 2025, were RMB 718,416,730 thousand, compared to RMB 645,063,204 thousand as of December 31, 2024, marking an increase of around 11%[48] Equity and Capital Ratios - The total equity attributable to shareholders of the parent company increased by 4.94% year-on-year, reaching RMB 46,103,377,000 as of September 30, 2025[5] - As of September 30, 2025, the capital adequacy ratio is 13.14%, a decrease from 13.80% in 2024[12] - The core tier 1 capital adequacy ratio is 8.75%, down from 9.11% in 2024[16] - The bank's total equity increased to RMB 47,154,729 thousand as of September 30, 2025, from RMB 44,899,829 thousand as of December 31, 2024, reflecting a growth of about 5%[50] Loan and Deposit Activities - The total customer loans amount to 375,298,100 thousand RMB, reflecting a year-on-year increase of 10.16%[13] - The company's loan issuance increased by 9.94% year-on-year, reaching 365,596,432 thousand RMB as of September 30, 2025[13] - The company's total deposits reached 491,151,373 thousand RMB, marking a year-on-year growth of 10.76%[13] - The net increase in customer deposits was RMB 49,702,915, compared to RMB 42,129,640 in the previous year, representing a growth of 17.5%[60] Non-Performing Loans and Risk Management - The non-performing loan ratio stands at 1.10%, slightly improved from 1.14% in 2024[12] - Non-performing loan ratio improved to 1.10%, a decrease of 0.04 percentage points from the end of the previous year[26] - The bank's non-performing loan ratio remained stable, indicating effective credit risk management strategies in place[53] Cash Flow and Investment Activities - The net cash flow from operating activities for the first nine months of 2025 was RMB 13,055,237,000, a decrease of 43.36% year-on-year[11] - The bank's cash and deposits with the central bank decreased to RMB 29,633,285 thousand as of September 30, 2025, from RMB 49,153,266 thousand as of December 31, 2024, a decline of approximately 40%[46] - The cash inflow from investment activities totaled RMB 60,661,244, an increase of 29.0% from RMB 47,020,999 in 2024[62] - The cash outflow from investment activities was RMB 89,315,785, significantly higher than RMB 52,198,219 in the previous year, indicating increased investment activity[62] - The net cash flow from financing activities was RMB 6,760,581, compared to a net outflow of RMB 4,674,714 in 2024, showing a positive shift in financing[62] Shareholder Information - The total number of common shareholders at the end of the reporting period is 46,057[33] - The largest shareholder, Hong Kong Central Clearing (Agent), holds 21.46% of shares, totaling 1,248,808,894 shares[33] - Italian bank Intesa Sanpaolo is the second-largest shareholder with 17.50%, holding 1,018,562,076 shares[33] - Qingdao Guoxin Financial Holdings holds 11.66% of shares, amounting to 678,801,743 shares[33] - Qingdao Haier Industrial Development Co., Ltd. holds 9.15% of shares, totaling 532,601,341 shares[33] - The company plans to increase shareholding by Guoxin Financial Holdings to between 19.00% and 19.99% within six months[38] - As of the end of the reporting period, Guoxin Financial Holdings has cumulatively increased its H shares by 24,178,500, representing 0.42% of total shares[39] - The company has no outstanding preferred shares as of the end of the reporting period[36] - The number of A-share shareholders is 45,914, while H-share shareholders total 143[34] - No changes in the top 10 shareholders due to securities lending activities were reported[35]

青岛银行股份有限公司监事会决议公告 证券代码：002948 证券简称：青岛银行 公告编号：2025-039 青岛银行股份有限公司（以下简称"本行"）于 2025 年 10 月 17 日以电子邮件 方式向监事发出关于召开第九届监事会第十次会议的通知，会议于 2025 年 10 月 28 日以通讯表决方式召开，应参与表决监事 5 名，实际表决监事 5 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。 会议审议通过了《关于青岛银行股份有限公司 2025 年第三季度报告的议案》 本行及监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。 本议案同意票 5 票，反对票 0 票，弃权票 0 票。 经审核，监事会认为：董事会编制和审核青岛银行股份有限公司2025年第三 季度报告的程序符合法律、行政法规和中国证监会的规定，报告内容真实、准确、 完整地反映本行的实际情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 本行 2025 年第三季度报告同日在《中国证券报》《上海证券报》《证券时报》 《证券日报》和巨潮资讯网（http ...

二、审议通过了《青岛银行股份有限公司 2025 年三季度第三支柱信息披露 报告》 本议案同意票 14 票，反对票 0 票，弃权票 0 票。 证券代码：002948 证券简称：青岛银行 公告编号：2025-038 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10月14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次会议的通知，会议于2025年10月28 日以通讯表决方式召开，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。会议审议通过了以下议案： 一、审议通过了《关于青岛银行股份有限公司 2025 年第三季度报告的议案》 本议案同意票 14 票，反对票 0 票，弃权票 0 票。 本议案已经本行董事会审计委员会事前认可，由该委员会全体委员审议通过， 同意将其提交董事会审议。本行 2025 年第三季度报告同日在《中国证券报》《上 海证券报》《证券时报》《证券日报》和巨 ...

青岛银行公告，第三季度营收为33.51亿元，同比下降0.22%；净利润为9.27亿元，同比增长13.90%。前 三季度营收为110.13亿元，同比增长5.03%；净利润为39.92亿元，同比增长15.54%。 ...

2025年10月24日，青岛银行（002948）发布公告称， 为向您提供更为优质的服务，青岛银行根据信用 卡业务发展需要，对现行《青岛银行信用卡积分商城用户服务协议》及《信用卡积分商城个人信息保护 政策》进行了修订和完善，现发布新版协议及政策，自2025年12月10日生效。 ...

中国经济网北京10月27日讯 国家金融监督管理总局网站近日发布的青岛监管局行政处罚信息公开 表显示，青岛银行股份有限公司青岛西海岸分行及相关责任人以即贷即收方式虚增存贷款规模。 青岛金融监管局对该分行罚没合计518313.83元；对时任该分行崇明岛路支行行长李作勤、井冈山 路支行行长况军分别给予警告处罚。 | 序号 | 当事人名称 | 主要违法违规 | 行政处罚内容 | 作出决定 | | --- | --- | --- | --- | --- | | | | 行为 | 对该分行罚没合计 | 机关 | | 1 | 青岛银行股份 | | 518313.83元;对时 | | | | 有限公司青岛 | 以即贷即收方式 | 任该分行崇明岛路支 | 青岛金融监 | | | 西海岸分行及 | 虚增存贷款规模 | 行行长李作勤、井冈 | 管局 | | | 相关责任人 | | 山路支行行长况军分 | | | | | | 别给予警告处罚 | | （责任编辑：田云绯） 以下为原文： ...

Core Viewpoint - The banking sector is showing strong defensive characteristics amid market adjustments, with expectations of seasonal performance improvements due to high dividends and low valuations [2] Group 1: Market Performance - As of October 23, 2025, the Bank ETF Southern (512700) rose by 1.13%, marking a four-day winning streak with a transaction volume of 33.92 million yuan [1] - The CSI Bank Index increased by 1.18%, with notable gains from Postal Savings Bank (up 4.36%), Industrial Bank (up 1.91%), and Agricultural Bank (up 1.85%) [1] - Over the past five trading days, the Bank ETF Southern (512700) experienced net inflows on four occasions [1] Group 2: Interest Rate Policy - Tianfeng Securities suggests that the likelihood of lowering the Loan Prime Rate (LPR) this year is low, as the primary goal of such a move is to stimulate credit demand, which may not be significant in Q4 [1] - The report indicates that the focus will likely shift towards fiscal subsidies and structural monetary policy tools as a form of "indirect interest rate reduction" [1] - The main challenge for banks in asset-liability management is the pressure of asset reallocation [1] Group 3: Investment Outlook - According to Everbright Securities, the banking sector's defensive attributes are highlighted by rising risk aversion due to renewed trade tensions, making it an attractive investment option [2] - Historical data shows that the banking sector has a 70% and 80% probability of generating absolute returns in November-December and January of the following year, respectively [2] - The upcoming Central Economic Work Conference is expected to reinforce policies aimed at stabilizing growth, further supporting the banking stocks' seasonal performance [2] Group 4: Index Composition - The Bank ETF Southern (512700) closely tracks the CSI Bank Index, which categorizes companies into various industry levels for comprehensive performance analysis [2] - The top ten weighted stocks in the index include China Merchants Bank, Industrial Bank, and Agricultural Bank among others [2]

Core Viewpoint - The banking sector in China experienced a significant rally, with notable increases in share prices for various banks, indicating positive market sentiment and potential investor confidence in the sector [1] Group 1: Stock Performance - Postal Savings Bank of China saw its shares rise by over 2% [1] - Qingdao Bank and Industrial and Commercial Bank of China both experienced share price increases of over 1% [1] - Agricultural Bank of China achieved a record high with its Hong Kong shares rising for 11 consecutive days, reaching a peak of 5.93 HKD [1]

Core Points - Qingdao Bank's stock price increased by 2.12% on October 23, reaching 5.29 CNY per share, with a total market capitalization of 30.79 billion CNY [1] - The bank's stock has risen 42.20% year-to-date, with a 6.01% increase over the last five trading days [1] Financial Performance - As of June 30, Qingdao Bank reported a net profit attributable to shareholders of 3.065 billion CNY, representing a year-on-year growth of 16.05% [2] - The bank's cumulative cash dividends since its A-share listing amount to 6.341 billion CNY, with 2.794 billion CNY distributed over the past three years [3] Shareholder Information - The number of shareholders increased to 51,100, a rise of 0.51% compared to the previous period, while the average number of circulating shares per person decreased by 0.50% to 61,038 shares [2] Business Overview - Qingdao Bank, established on November 15, 1996, and listed on January 16, 2019, operates primarily in corporate banking (47.29%), financial market business (26.27%), and retail banking (21.87%) [1]

Group 1 - The A-share market saw a rise in bank stocks, with Qingdao Bank and Agricultural Bank increasing by over 2%, while Xiamen Bank, Construction Bank, and Jiangyin Bank rose by over 1% [1] - Notably, Agricultural Bank achieved an 8-day consecutive rise, reaching a historical high [1]