Group 1 - The core point of the announcement is that Guoxin Chanin Holdings plans to increase its stake in Qingdao Bank, aiming for a total holding of 19.00% after the acquisition [1][2]. - Guoxin Chanin Holdings currently holds 654,623,243 A-shares, representing 11.25% of Qingdao Bank's total shares, while its concerted action parties hold additional shares [1][2]. - The share acquisition will be conducted through various trading methods, including secondary market transactions and block trades, and must be completed within six months after obtaining regulatory approval [2]. Group 2 - The increase in shareholding is intended to support the long-term development of Qingdao Bank [1]. - The acquired shares will not be transferred for five years from the date of acquisition [2]. - The announcement emphasizes that the increase in shareholding will not change the actual control of Qingdao Bank [2].

证券代码：002948 证券简称：青岛银行 公告编号：2025-032 青岛银行股份有限公司 关于大股东增持股份计划的公告 一、计划增持主体的基本情况 1.计划增持主体为青岛国信产融控股（集团）有限公司。截至本公告披露之 日，国信产融控股持有本行654,623,243股A股，占本行股份总数的11.25%；其一 致行动人青岛国信金融控股有限公司持有本行217,847,280股H股，占本行股份总 数的3.74%；其一致行动人青岛国信资本投资有限公司持有本行650股A股，占本 行股份总数的0.00001%。综上，国信产融控股及其一致行动人合计持有本行股份 872,471,173股，占本行股份总数的14.99%。 2.计划增持主体在本次公告前的12个月内没有披露增持计划。 3.计划增持主体在本次公告前6个月不存在减持情况。 二、增持计划的主要内容 青岛国信产融控股（集团）有限公司保证向本行提供的信息内容真实、准确、完整， 没有虚假记载、误导性陈述或重大遗漏。 本行及董事会全体成员保证公告内容与信息披露义务人提供的信息一致。 特别提示：青岛国信产融控股（集团）有限公司（以下简称"国信产融控股"） 计划通过二级市场交易的 ...

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。 特此公告。 青岛银行股份有限公司董事会 2025 年 9 月 2 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 截至月份: 2025年8月31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 呈交日期: 2025年9月2日 第 1 頁 共 10 頁 v 1.1.1 FF301 II. 已發行股份及/或庫存股份變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | 是 | | | --- | --- | ...

Investment Rating - The report rates the industry as "Outperforming the Market" [4] Core Insights - The report emphasizes that the evolution of local government financing behavior and regulatory adjustments over the past two decades have significantly influenced the financial sector. It predicts that the proportion of bank credit in local government debt will increase from 38% to 42% during the "14th Five-Year Plan" period, with an annual growth rate fluctuating between 10% and 17% [1][18][19] - City commercial banks (CCBs) have played a crucial role in supporting local government debt resolution, with their credit growth in government-related loans outpacing that of other banks. The report identifies a complementary relationship between CCBs' government-related loan growth and the issuance of urban investment bonds [1][2] - The report forecasts that CCBs will take on greater responsibilities in the future, driven by increasing state ownership, leadership changes reflecting regulatory attributes, and strong local government relationships. This will enhance local market competitiveness and provide growth opportunities for CCBs [2][18] Summary by Sections 1. Changes in Local Government Financing Structure - The report outlines the historical evolution of local government debt and financing needs, highlighting the significant role of regulatory and policy adjustments in shaping the financial sector [14][18] - It provides a detailed analysis of local government debt structure changes from 2008 to 2025, noting the shift from bank loans to urban investment bonds and shadow banking during various phases [19][24] 2. CCBs' Role in Debt Resolution - CCBs have shown proactive engagement in local government debt resolution, with their government-related loan growth significantly higher than that of other banks. The report indicates that CCBs have effectively supplied funds during periods of heightened repayment pressure [1][2][19] 3. Future Prospects for CCBs - The report identifies several CCBs, including Chongqing Bank, Xiamen Bank, and Shanghai Bank, as potential winners during the "14th Five-Year Plan" period, expecting them to achieve faster expansion and higher returns for investors [2][3] - It predicts that the overall valuation of CCBs will have substantial room for improvement, estimating a price-to-book (PB) ratio of 0.7x by the end of 2026 and 1.22x by the end of 2030 [2][3] 4. Investment Recommendations - The report recommends focusing on specific CCBs such as Chongqing Bank, Xiamen Bank, Shanghai Bank, Qilu Bank, and Chengdu Bank for potential investment opportunities [3][6]

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 截至月份: 2025年8月31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 呈交日期: 2025年9月2日 I. 法定/註冊股本變動 | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 (註1) | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 002948 | 說明 | | 於深圳證劵交易所上市 | | | | | | | 已發行股份（不包括庫存股份）數目 | | 庫存股份數目 | | 已發行股份總數 | | | 上月底結存 | | | 3,528,409,250 | | 0 | | 3,528,409,250 | | 增加 / 減少 (-) | | | | | | | | | 本月底結存 | | | 3,528,409,250 | | 0 | | 3,528,409,250 | 第 2 頁 共 10 頁 v 1.1.1 | 1. 股份分類 | 普通股 | ...

Core Insights - Qingdao Bank demonstrates resilient growth with a 7.69% increase in total assets and a 16.05% rise in net profit attributable to shareholders in the latest half-year report, reflecting its focus on quality and efficiency [1][5][4] - The bank's strategic focus on green finance and technology finance has resulted in significant loan growth, with increases of 38.18% and 20.85% respectively, showcasing its effective differentiation and regional economic advantages [1][5][10][12] - The establishment of Qingyin Financial Leasing and Qingyin Wealth Management signifies the bank's deepening group layout, enhancing its comprehensive financial service capabilities [1][6][7] Financial Performance - As of June 30, Qingdao Bank's total assets reached 743.03 billion yuan, with customer loans totaling 368.4 billion yuan and customer deposits at 466.1 billion yuan, marking growth rates of 8.14% and 7.9% respectively [4][5] - The bank achieved an operating income of 7.662 billion yuan, a year-on-year increase of 7.5%, and a net profit of 3.065 billion yuan, reflecting a robust performance amid a challenging economic environment [5][6] - The non-performing loan ratio improved to 1.12%, down by 0.02 percentage points from the previous year, while the provision coverage ratio increased to 252.8%, up by 11.48 percentage points, indicating strengthened risk mitigation capabilities [5][6] Strategic Initiatives - Qingdao Bank's diversified approach includes a focus on regional economic development, emphasizing support for small and micro enterprises, which enhances its adaptability to local market changes [9][10] - The bank has established a technology finance ecosystem, collaborating with venture capital and investment institutions to provide comprehensive financial services tailored to technology enterprises [10][11] - The bank's blue finance initiative has seen a loan balance increase of 14.56%, while green finance loans grew by 38.18%, reflecting its commitment to sustainable development [12][13] Brand and Market Position - Qingdao Bank has made its debut on the Fortune China 500 list, marking a significant milestone for local financial institutions and underscoring its growth and operational efficiency [14] - The bank's brand value reached 36.236 billion yuan, ranking it 317th in the "China's 500 Most Valuable Brands" list, demonstrating its strong market presence and brand influence [16] - The bank's participation in international financial exhibitions highlights its commitment to high-level openness and collaboration with the local economy, enhancing its visibility and reputation [16]

本报讯 （记者李冰）日前，"科创中国"金融科技服务团走进青岛银行暨"人工智能+金融"青岛论坛成功 举办。本次论坛由"科创中国"金融科技服务团、中国通信学会金融科技专家委员会、中国互联网协会数 字金融工作委员会及青岛银行共同主办，山东省科学技术协会、青岛市科学技术学会、青岛东方数字普 惠金融研究院、中央财经大学MBA金融科技研究会、启迪亦庄人工智能联合创新中心支持，腾讯云计 算（北京）有限责任公司协办。论坛期间，"科创中国"金融科技服务团专家工作站和"金科创新荟·金融 科技工作者之家"青岛站在青岛银行正式启动成立。 （编辑 张昕） "科创中国"金融科技服务团团长杨竑、山东省科学技术协会二级巡视员葛玉芝、中国互联网协会数字金 融工作委员会主任张永福等嘉宾先后致辞，一致强调人工智能在重塑金融业态、提升服务效率和防控风 险方面的重要作用。此外，来自多家科技企业的代表也分享了AI在理财、消费金融、知识管理与数据 安全等领域的应用实践。 论坛期间还举办了《AI大模型重塑现代银行》新书推介仪式及"人工智能+金融"项目交流展示活动，推 动技术成果与金融场景深度融合。 青岛银行党委书记、董事长景在伦表示，以AI大模型为代表的人 ...

Group 1 - The core viewpoint of the news is that Qingdao Bank is actively engaging with investors and addressing their concerns regarding the bank's financial performance and future strategies [1] - In the first half of 2025, Qingdao Bank achieved operating revenue of 7.662 billion yuan, an increase of 534 million yuan, or 7.50% year-on-year [1] - The bank's net interest income grew due to the expansion of interest-earning assets and a reduction in interest expenses, while non-interest income also saw growth through strategic bond trading [1] Group 2 - As of June 30, 2025, Qingdao Bank's total customer loans amounted to 368.406 billion yuan, an increase of 27.716 billion yuan, or 8.14% compared to the end of the previous year [2] - The bank plans to continue optimizing its asset-liability structure and steadily increase loan disbursements to support the real economy, with a focus on eight key sectors including technology finance and green finance [2] - In retail lending, Qingdao Bank aims to meet personal customer needs for housing loans while optimizing the credit structure for balanced development [2]

Group 1: Financial Performance - In the first half of 2025, Qingdao Bank achieved operating income of 7.662 billion yuan, an increase of 534 million yuan, representing a growth of 7.50% [2] - The net profit attributable to shareholders of the parent company reached 3.065 billion yuan, an increase of 424 million yuan, reflecting a growth of 16.05% [3] Group 2: Loan and Credit Strategy - As of June 30, 2025, the total customer loans amounted to 368.406 billion yuan, an increase of 27.716 billion yuan, which is a growth of 8.14% compared to the end of the previous year [3] - The bank plans to continue increasing credit investment to support the development of the real economy, with a focus on eight key sectors including technology finance, inclusive finance, and green finance [3] Group 3: Operational Efficiency - The bank has implemented cost reduction and efficiency enhancement measures, resulting in a decrease in overall expenses while maintaining business growth [2] - Interest income has steadily increased due to the expansion of interest-earning asset scale and a significant reduction in interest expenses [2]

Group 1: Donghai Securities - Donghai Securities was fined 60 million yuan by the China Securities Regulatory Commission for significant omissions and false records in its advisory role for Jinzhou Chihang Group's major asset restructuring in 2015, which is 2.55 times its net profit for the previous year and over half of its net profit for the first half of this year [1] - The fine may hinder Donghai Securities' ongoing IPO process, which has been in progress since March 2022, as regulatory bodies may require comprehensive internal control rectifications [1] - The company has faced frequent violations and management changes, with its investment banking revenue dropping 56.6% year-on-year in the first half of 2025, posing further challenges to its operations and IPO progress [1] Group 2: Minsheng Bank - Minsheng Bank reported a revenue of 72.384 billion yuan for the first half of 2025, a year-on-year increase of 7.83%, with a net interest margin rising by 1 basis point to 1.39% [2] - The bank's non-performing loan ratio was 1.48% as of June 30, 2025, an increase of 0.01 percentage points from the end of the previous year, while the proportion of special mention loans rose to 2.72% [2] - Minsheng Bank plans to distribute a cash dividend of 1.36 yuan per 10 shares to its A and H shareholders [2] Group 3: Sanxiang Bank - Sanxiang Bank reported a net loss of 214 million yuan for the first time in its nine-year history, primarily due to macroeconomic downturns and rising credit risks among small and micro enterprises [3] - The bank's shift from relying on personal loans through internet platforms to developing self-operated businesses like tax票 loans has led to increased losses due to insufficient risk control [3] - Frequent management changes and the introduction of talent from internet giants aim to drive digital transformation, but the bank's ability to return to profitability remains uncertain [3] Group 4: Jingjia Co. - Jingjia Co. announced that its controlling shareholder is involved in a significant lawsuit related to a borrowing contract dispute, with the amount in question reaching 67.85 million yuan [4] - Over the past year, the controlling shareholder and related parties have been involved in 15 major lawsuits, with a total amount exceeding 4 billion yuan [4] - The company's revenue and net profit for the first half of 2025 decreased by 16.56% and 32.54% respectively, indicating financial pressure [4] Group 5: Xiamen International Bank - Xiamen International Bank reported a revenue of 6.462 billion yuan for the first half of 2025, a year-on-year increase of 11.19%, with a net profit of 1.03 billion yuan, up 5.93% [4] - The bank's total assets and liabilities were 1.153 trillion yuan and 1.064 trillion yuan respectively, with a net asset value of 88.891 billion yuan [4] Group 6: Wenzhou Bank - Wenzhou Bank's revenue reached 4.664 billion yuan for the first half of 2025, reflecting a year-on-year growth of 14.23%, while its net profit increased by 2.43% to 1.146 billion yuan [4] - The bank's total assets and liabilities were 508 billion yuan and 477 billion yuan respectively, with a net asset value of 31.396 billion yuan [4] Group 7: Qingdao Bank - Qingdao Bank reported a revenue of 7.662 billion yuan for the first half of 2025, a year-on-year increase of 7.5%, with a net profit of 3.152 billion yuan, up 16.25% [5] - The bank's total assets and liabilities were 743 billion yuan and 696 billion yuan respectively, with a net asset value of 47.084 billion yuan [5] Group 8: Agricultural Bank of China - Agricultural Bank of China signed a significant agreement with Volant Aviation for 10 confirmed orders and 110 intended orders of aircraft, totaling a value of 3 billion yuan [6] - This partnership is supported by a 1 billion yuan credit facility from the Shanghai branch of Agricultural Bank of China [6] Group 9: Jiutai Rural Commercial Bank - Jiutai Rural Commercial Bank expects a net loss of 898 million yuan for the first half of 2025, primarily due to increased asset impairment losses despite rising revenue [7] - The bank anticipates a full-year net loss between 1.7 billion and 1.9 billion yuan for 2024, driven by reduced interest income and cautious credit risk assessments [7] Group 10: CICC - CICC appointed Wang Shuguang as the new president after a 16-month vacancy, with the company reporting a 43.96% increase in revenue and a 94.35% increase in net profit for the first half of 2025 [8] - The investment banking revenue surged by 149.70%, significantly contributing to the overall performance [8]