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之內容概不負責，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之任何損失承擔任何責任。 Bank of Qingdao Co., Ltd.* * H 3866 於2025年9月26日舉行之2025年第一次臨時股東大會、 2025年第一次A股類別股東大會及 2025年第一次H股類別股東大會 投票表決結果 青島銀行股份有限公司（「本行」）欣然宣佈本行於2025年9月26日（星期五）上午9時正於中 國山東省青島市嶗山區秦嶺路6號依次舉行2025年第一次臨時股東大會（「臨時股東大 會」）、2025年第一次A股類別股東大會（「A股類別股東大會」）及2025年第一次H股類別股 東大會（「H股類別股東大會」）（統稱「該等會議」）。該等會議採用現場投票（適用於本行A 股股東及H股股東）與網絡投票（僅適用於本行A股股東）相結合的方式召開。 茲提述本行日期為2025年9月8日的通函（「通函」）。除文義另有所指外，本公告所用的詞 彙與通函所界定者具有相同涵義。 該等會議出席情況 出席臨時股東大會的股東及授權代表 ...

2025 年第一次临时股东大会、 2025 年第一次 A 股类别股东大会及 2025 年第一次 H 股类别股东大会决议公告 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。 特别提示： 证券代码：002948 证券简称：青岛银行 公告编号：2025-037 青岛银行股份有限公司 （一）召开时间 1.现场会议召开时间：2025年9月26日（星期五） 2.网络投票时间：通过深圳证券交易所交易系统进行网络投票的时间为 2025 年 9 月 26 日 9:15-9:25，9:30-11:30 和 13:00-15:00；通过互联网投票系统投票的时 间为 2025 年 9 月 26 日 9:15-15:00。 （二）会议地点：山东省青岛市崂山区秦岭路 6 号青岛银行总行 1.2025年第一次临时股东大会、2025年第一次A股类别股东大会及2025年第 一次H股类别股东大会（以下合称"本次股东大会"）均无否决提案的情形。 2.本次股东大会均不涉及变更以往股东大会已通过的决议。 一、会议召开情况 （三）召开方式：采取现场投票与网络投票相结合的方式 （四）召集人：青岛银行股份有限公 ...

Core Viewpoint - The banking sector is experiencing a rise in stock prices despite market conditions, driven by recent adjustments in deposit rates by local small and medium-sized banks to alleviate pressure on their liabilities and improve net interest margins [1] Group 1: Stock Performance - Chongqing Rural Commercial Bank (03618) increased by 4.62%, reaching HKD 6.12 [1] - Qingdao Bank (03866) rose by 1.88%, reaching HKD 4.34 [1] - China Construction Bank (00939) saw a 1.1% increase, reaching HKD 7.38 [1] - Bank of China (03988) grew by 0.96%, reaching HKD 4.21 [1] Group 2: Deposit Rate Adjustments - Since September, the number of local small and medium-sized banks reducing deposit rates has been increasing [1] - On September 25, several banks, including Henan Luoyang Rural Commercial Bank, announced reductions in RMB deposit rates, with the maximum cut reaching 35 basis points [1] - The purpose of these adjustments is to alleviate pressure on the liability side and mitigate the negative impact of narrowing net interest margins [1] Group 3: Market Outlook - China Galaxy Securities indicates that the adjustment of the 14-day reverse repurchase operation aims to enhance the position of the 7-day reverse repurchase policy rate, improving liquidity management precision [1] - The benefits for small and medium-sized banks from these changes are expected to be less significant compared to larger banks [1] - Continued positive factors in the banking fundamentals, along with increased consumer policies, suggest potential mid-term performance improvements and a possible turning point [1] - The focus remains on the effectiveness of policies, retail business demand, risk improvement, and reform measures [1] - The institution maintains a positive outlook on the banking sector's valuation and continues to recommend investment in this area [1]

Core Viewpoint - The article highlights the upward movement of Chinese bank stocks in the Hong Kong market, driven by the recent trend of small and medium-sized banks lowering deposit interest rates to alleviate pressure on their liabilities [1] Group 1: Stock Performance - Chinese bank stocks are rising against the market trend, with Chongqing Rural Commercial Bank up 4.62% to HKD 6.12, Qingdao Bank up 1.88% to HKD 4.34, China Construction Bank up 1.1% to HKD 7.38, and Bank of China up 0.96% to HKD 4.21 [1] Group 2: Interest Rate Adjustments - Since September, the number of local small and medium-sized banks reducing deposit interest rates has been increasing, with banks like Henan Luoyang Rural Commercial Bank and Luoning Rural Commercial Bank announcing cuts that affect various deposit products, with the maximum reduction reaching 35 basis points [1] Group 3: Market Analysis - Analysts believe that the reduction in deposit rates aims to ease the pressure on the liability side and mitigate the negative impact of narrowing net interest margins [1] - China Galaxy Securities notes that the adjustment of the 14-day reverse repurchase operation enhances the position of the 7-day reverse repurchase policy rate, improving liquidity management precision, with smaller banks expected to benefit less than larger banks [1] - The article emphasizes the accumulation of positive factors for banks' fundamentals, with mid-term performance improvements anticipated and a potential turning point expected [1]

Core Insights - The issuance of technology innovation bonds (科创债) has been increasing, with banks being the main issuers, particularly state-owned and regional banks [1][2] - Regional banks are focusing on long-term bonds with higher interest rates to support local technology enterprises and enhance their market presence [2] - The total issuance of technology innovation bonds in the Shanghai Stock Exchange has reached 1.4 trillion yuan, with a year-on-year growth of nearly 70% [2] Group 1: Issuance Trends - The technology innovation bond market has seen significant participation from various banks, including regional banks, which are actively entering the market [1] - Recent issuances include Chongqing Sanxia Bank's 20 billion yuan bond and Qingdao Bank's 10 billion yuan bond, both with a 5-year term [1] - The issuance scale of regional banks typically ranges from 1 billion to 3 billion yuan [1] Group 2: Funding Utilization - The funds raised from technology innovation bonds are primarily directed towards supporting high-tech enterprises in sectors like information technology and advanced manufacturing [2] - Regional banks are leveraging these bonds to stabilize funding costs and attract specific investor groups [2] Group 3: Market Outlook - The technology innovation bond market is expected to continue growing, with a favorable policy environment and increasing market demand [3] - The introduction of technology innovation bond ETFs has improved liquidity, making the market more attractive for conservative investors [3]

Core Insights - Qingdao Bank has been recognized in the 2025 Asia Brand 500 list, marking its ninth consecutive year on the list, with a ranking improvement of 7 places to 408, indicating a sustained enhancement in brand value [2] - The bank's strategy focuses on "multi-dimensional innovation + local deep cultivation," integrating brand building into regional development through cross-industry collaborations such as "finance + sports" and "finance + arts" [2] - Qingdao Bank has established itself as a key player in supporting the real economy, with significant advancements in blue finance, green finance, technology finance, and inclusive finance [5] Brand Value and Recognition - Qingdao Bank's brand value reached 36.236 billion yuan, successfully transitioning from a city financial brand to a vibrant regional brand [2] - The bank has been included in the "China's 500 Most Valuable Brands" list for nine consecutive years, reflecting its strong market presence and brand recognition [2] Financial Performance and Innovations - As of June, the bank's blue loan balance was 19.226 billion yuan, a year-on-year increase of 14.56%, while green credit reached 51.609 billion yuan, up 38.18% from the beginning of the year [5] - The bank's inclusive loan balance stood at 48.796 billion yuan, growing by 8.22% year-to-date, showcasing its commitment to addressing financing challenges for small and micro enterprises [5] Structural and Risk Management - Qingdao Bank has adopted a "one body, two wings" structure, with Qingyin Wealth Management and Qingyin Financial Leasing as extensions to enhance comprehensive services [6] - The bank's non-performing loan ratio decreased to 1.12%, with a provision coverage ratio of 252.8%, indicating improved asset quality and risk management [6] - The ongoing digital transformation and big data risk control are enhancing service precision and positioning the bank as a collaborative solution provider [6] Strategic Development - The bank's ascent in the Asia Brand 500 rankings is attributed to its long-term strategy of "deep cultivation in the region, serving the real economy, and co-creating brand value," providing a replicable development model for regional banks in China and Asia [6]

Core Viewpoint - Qingdao Bank's stock price has experienced fluctuations, with a year-to-date increase of 27.69% but recent declines in the short term [2] Group 1: Stock Performance - On September 25, Qingdao Bank's stock fell by 2.06%, trading at 4.75 CNY per share with a total market capitalization of 27.647 billion CNY [1] - The stock has seen a decline of 1.86% over the last five trading days, 2.26% over the last 20 days, and 6.31% over the last 60 days [2] Group 2: Financial Metrics - As of June 30, Qingdao Bank reported a net profit of 3.065 billion CNY for the first half of 2025, representing a year-on-year growth of 16.05% [2] - The bank's revenue composition includes 47.29% from corporate banking, 26.27% from financial market operations, 21.87% from retail banking, and 4.57% from other sources [2] Group 3: Shareholder Information - As of June 30, the number of shareholders increased to 51,100, with an average of 61,038 shares held per shareholder, a decrease of 0.50% from the previous period [2] Group 4: Dividend Distribution - Since its A-share listing, Qingdao Bank has distributed a total of 6.341 billion CNY in dividends, with 2.794 billion CNY distributed over the past three years [3]

Group 1 - The core point of the announcement is that Qingdao Bank has successfully issued the "2025 Technology Innovation Bond" with a total issuance size of RMB 1 billion [1] - The bond was recorded on September 19, 2025, and completed issuance on September 23, 2025, with a fixed interest rate of 1.87% over a 5-year term [1] - The funds raised from this bond will be used to specifically support businesses in the technology innovation sector through various means such as loans and other bonds, in accordance with applicable laws and regulatory approvals [1]

公告称，本期债券募集资金将依据适用法律和主管部门的批准，通过贷款、债券等多种途径，专项支持 科技创新领域业务。 2025年中期，青岛银行实现营业收入76.58亿元，同比增长8.97%；归母净利润30.65亿元，同比增长 16.05%。 中证智能财讯青岛银行（03866）9月24日晚间公告，经中国人民银行批准，公司于近日在全国银行间债 券市场成功发行"青岛银行股份有限公司2025年科技创新债券"。 本期债券于2025年9月19日簿记建档，并于9月23日发行完毕。发行规模为人民币10亿元，品种为5年期 固定利率债券，票面利率为1.87%。 （文章来源：中国证券报·中证网） ...