Core Viewpoint - The company plans to issue convertible bonds totaling up to RMB 4.8 billion, which can be converted into A-shares of Qingdao Bank, subject to approval from shareholders and regulatory bodies [2][3][42]. Summary by Sections Issuance Overview - The convertible bonds will be issued to unspecified investors, with original A-share shareholders given priority in allocation [2][22]. - The total issuance amount is capped at RMB 4.8 billion, with specific details to be determined by the board of directors [6][34]. - Each bond will have a face value of RMB 100 and will be issued at par [7]. - The bonds will have a maturity of six years from the date of issuance [8]. Interest and Payment Terms - The interest rate will be determined based on market conditions and company specifics, with annual interest payments [9][10]. - The interest calculation will be based on the total face value held by the bondholder [9]. - The payment of interest will occur annually, with specific dates outlined for interest payment and record keeping [9]. Conversion and Redemption - The conversion period for the bonds will start six months after issuance and last until maturity [11]. - The initial conversion price will be set based on the average trading price of the company's A-shares prior to the announcement [12]. - The company reserves the right to adjust the conversion price under certain conditions, such as stock dividends or capital increases [13][15]. - The company may redeem the bonds at maturity or under specific conditions if the stock price exceeds a certain threshold [20]. Use of Proceeds - Proceeds from the bond issuance will be used to support the company's future business development and to supplement core tier one capital after conversion [34]. Regulatory Compliance - The issuance plan has been approved by the company's board and requires further approval from shareholders and regulatory authorities [3][42]. - The company has confirmed compliance with relevant laws and regulations regarding the issuance of convertible bonds [4]. Financial Information - The company has undergone audits for its financial statements for the years 2022, 2023, and 2024, with reports issued by KPMG and Ernst & Young [43]. - Financial data referenced includes consolidated balance sheets, income statements, and cash flow statements [44][45]. Bondholder Rights and Meetings - Bondholders will have rights to interest payments, conversion, and the ability to attend bondholder meetings to vote on significant matters [22][24]. - The bondholder meetings will be convened by the bond trustee and will require a majority vote for key decisions [28][31].

Group 1 - The company plans to issue A-share convertible bonds to raise up to RMB 4.8 billion to strengthen its capital base and enhance its ability to serve the real economy [1][2][3] - As of June 2025, the company's capital adequacy ratio is 13.52%, and the growth of risk-weighted assets necessitates proactive capital replenishment [2][3] - The issuance of convertible bonds is deemed necessary and feasible to gradually supplement capital and improve risk resistance [3][4] Group 2 - The securities to be issued are convertible bonds that can be converted into the company's A-shares, which will be listed on the Shenzhen Stock Exchange [2][4] - The issuance will prioritize existing A-share shareholders for subscription, ensuring compliance with relevant laws and regulations [4][5] - The selection criteria for the issuance targets include the ability to identify and bear risks, as well as sufficient financial strength [5] Group 3 - The pricing of the convertible bonds will be determined based on market conditions and the company's specific situation, with the initial conversion price set not lower than the average trading price of the company's A-shares [5][6] - The company will adjust the conversion price in case of stock dividends, capital increases, or other events affecting share capital [6][7] Group 4 - The issuance complies with the Company Law and Securities Law, ensuring that all issued shares have equal rights [8][9] - The company has a sound governance structure and has met the profitability requirements for the last three years, ensuring it can pay interest on the bonds [9][10][11] Group 5 - The funds raised will be used entirely for future business development and to supplement the company's core tier one capital after the bonds are converted [19][20] - The company has established a clear organizational structure and effective internal controls, ensuring compliance with financial reporting standards [15][16][17] Group 6 - The issuance plan has been approved by the board and will be presented to shareholders for voting, ensuring transparency and fairness in the process [30][31] - The company is not classified as a discredited entity and adheres to regulations regarding the issuance of convertible bonds [30]

Core Viewpoint - Qingdao Bank plans to issue A-share convertible bonds to raise up to RMB 4.8 billion, aimed at supporting future business development and enhancing core tier one capital after conversion [1][2][4] Group 1: Fundraising Amount and Purpose - The total amount to be raised from the convertible bonds is not more than RMB 4.8 billion, which will be used to support the bank's future business development and strengthen its capital base [1][2] - The funds will be allocated to enhance the bank's ability to serve the real economy and improve risk resistance [2][4] Group 2: Necessity of the Convertible Bond Issuance - The issuance will solidify the bank's capital foundation, enhance service quality to the real economy, and improve market competitiveness [2][3] - As of June 30, 2025, the bank's capital adequacy ratio is 13.52%, tier one capital ratio is 10.52%, and core tier one capital ratio is 9.05%, all meeting regulatory requirements but necessitating proactive capital planning [2][3] Group 3: Business Development and Strategic Goals - The bank's total assets have shown steady growth, reaching RMB 743.03 billion by June 2025, with a compound annual growth rate of 14.14% from 2022 to 2024 [3] - The bank is actively implementing its three-year strategic plan, focusing on technology finance, green finance, inclusive finance, and digital finance to support sustainable development [3][4] Group 4: Feasibility of Fund Utilization - The bank will focus on optimizing customer structure and enhancing financial service quality, particularly in green finance, elderly finance, and high-quality manufacturing [4][5] - The bank aims to leverage its subsidiaries and qualifications to explore diversified development models and strengthen comprehensive operational capabilities [5][6] - A robust risk management system will be maintained to ensure business stability and efficiency, utilizing advanced technologies for risk monitoring and compliance [6]

Core Viewpoint - Qingdao Bank is issuing A-share convertible bonds to support future business development and enhance core tier one capital, which may dilute immediate returns for existing shareholders [1][5][7]. Group 1: Impact Analysis of Convertible Bonds - The funds raised from the convertible bond issuance will be used entirely to support the bank's future business development and will be allocated to supplement core tier one capital after bondholders convert their bonds into shares [1][8]. - The issuance is expected to dilute immediate returns for existing shareholders, with potential decreases in basic and diluted earnings per share before the bonds are converted [5][6]. - The bank has outlined various assumptions for the impact analysis, including projected net profit growth rates of 5%, 10%, and 15% for the years 2025 and 2026 [2][4]. Group 2: Financial Metrics and Projections - The bank's total ordinary share capital is projected to remain at 5.82 billion shares, with diluted earnings per share estimated to be 0.68 yuan in 2024, increasing to 0.84 yuan by 2026 under a 5% growth scenario [3][4]. - Under different growth scenarios, the diluted earnings per share could reach 0.88 yuan and 0.92 yuan for 10% and 15% growth rates, respectively [4][5]. - The bank's capital adequacy ratios as of June 30, 2025, are reported at 13.52%, with a tier one capital ratio of 10.52% and a core tier one capital ratio of 9.05%, indicating compliance with regulatory requirements [8]. Group 3: Necessity and Rationale for Issuance - The issuance of convertible bonds is deemed necessary to strengthen the bank's capital base, enhance its ability to serve the real economy, and improve risk resilience [7][9]. - The bank aims to meet increasing capital regulatory requirements amid a complex economic environment, ensuring a proactive approach to capital supplementation [7][8]. - The funds raised will support the bank's strategic goals and business development, aligning with its long-term growth plans [9][10]. Group 4: Measures to Mitigate Dilution Impact - The bank plans to implement measures to optimize business structure and enhance capital efficiency, aiming to minimize the impact of the convertible bond issuance on shareholder returns [11][12]. - A stable shareholder return policy will be maintained, with a focus on protecting the rights of shareholders, particularly minority shareholders [11][12]. - The bank's board and senior management have committed to ensuring the effective execution of measures to mitigate the dilution of immediate returns [13].

Core Viewpoint - Qingdao Bank demonstrated strong resilience and competitive strength in the first half of 2025, achieving steady growth in operating performance despite a complex macroeconomic environment and industry competition [1] Financial Performance - In the first half of 2025, Qingdao Bank reported operating revenue of 7.662 billion yuan, a year-on-year increase of 7.50% [2] - Net profit reached 3.152 billion yuan, up 16.25% year-on-year, with net profit attributable to shareholders of the parent company at 3.065 billion yuan, reflecting a 16.05% increase [2] - Net interest income was the main driver of revenue growth, totaling 5.362 billion yuan, a 12.19% increase year-on-year, supported by the expansion of interest-earning assets and effective reduction in liability costs [2] - Total assets reached 743.028 billion yuan, growing 7.69% from the end of the previous year, with customer loans totaling 368.406 billion yuan, an 8.14% increase [2] Non-Interest Income and Cost Management - Non-interest income was 2.301 billion yuan, a slight decrease of 2.06% year-on-year, but the income structure improved [3] - Investment income surged by 93.93% to 1.509 billion yuan, attributed to timely bond profit-taking operations [3] - The bank effectively controlled costs, with business and management expenses at 1.724 billion yuan, down 3.72% year-on-year, leading to a cost-to-income ratio of 22.51%, a decrease of 2.62 percentage points [3] Asset Quality and Risk Management - The bank's asset quality improved, with a non-performing loan ratio of 1.12%, down 0.02 percentage points from the end of the previous year [4] - The provision coverage ratio increased to 252.80%, up 11.48 percentage points, indicating strong risk management capabilities [4] - Focused on key sectors, the bank's technology finance loans grew by 20.85% to 31.225 billion yuan, and green loans increased by 38.18% to 51.609 billion yuan [4] Group Synergy and Future Outlook - The synergy within the Qingdao Bank Group is becoming more evident, with subsidiaries Qingyin Financial Leasing and Qingyin Wealth Management contributing significantly to high-quality development [5] - Qingyin Financial Leasing achieved a net profit of 219 million yuan, focusing on high-end manufacturing and green leasing [5] - The bank plans to continue enhancing its operational strategies, increasing quality asset investments, and expanding diversified funding sources to support regional economic development [5]

Group 1 - Qingdao Bank plans to issue convertible bonds totaling no more than RMB 4.8 billion, with the specific issuance scale to be determined by the board of directors [1] - The convertible bonds will be listed on the Shenzhen Stock Exchange and have a maturity of six years from the date of issuance [1] - The bonds will be issued at face value of RMB 100 each, with the interest rate to be determined based on market conditions and the bank's situation [1] Group 2 - Existing A-share shareholders will have priority in the allocation of the new convertible bonds, with specific allocation amounts to be disclosed in the offering prospectus [2] - Previous fundraising reports indicate that Qingdao Bank raised a total of RMB 4.195 billion from A-share and H-share placements, with net proceeds of RMB 2.481 billion from A-shares and RMB 1.673 billion from H-shares [3]

2025年8月29日，青岛银行(002948.SZ)发布2025年中报。 公司营业总收入为76.62亿元。归母净利润为30.65亿元，在已披露的同业公司中排名第9。经营活动现金 净流入为-5661.60万元，在已披露的同业公司中排名第12，较去年同报告期经营活动现金净流入减少 49.27亿元，同比较去年同期下降101.16%。 公司较去年同期总资产周转率持平，同比较去年同期下降5.31%。 公司最新资产负债率为93.66%，在已披露的同业公司中排名第15，较上季度资产负债率增加0.10个百分 点，较去年同期资产负债率增加0.22个百分点。 公司最新ROE为6.65%。 公司摊薄每股收益为0.53元，在已披露的同业公司中排名第11。 ...

Core Viewpoint - Qingdao Bank's latest semi-annual report highlights its resilient growth and differentiated advantages in the context of regional economic development, showcasing a robust performance amid a challenging banking environment [1][2]. Financial Performance - As of June 30, Qingdao Bank's total assets reached 743.03 billion yuan, an increase of 7.69% from the end of the previous year [5]. - The bank's net profit attributable to shareholders grew by 16.05% year-on-year, amounting to 3.065 billion yuan, while operating income increased by 7.5% to 7.662 billion yuan [6]. - The non-performing loan ratio improved to 1.12%, down by 0.02 percentage points from the previous year, with a provision coverage ratio of 252.8%, up by 11.48 percentage points [6]. Business Segments and Strategies - Qingdao Bank has seen significant growth in its specialized loan segments, with green finance loans increasing by 38.18% and technology finance loans growing by 20.85% [11][14]. - The bank's leasing subsidiary, Qingyin Financial Leasing, focuses on serving the manufacturing sector, with a 33.82% share of its business in manufacturing loans, reflecting a strategic alignment with regional industrial development [7]. - Qingdao Bank's blue finance loans also grew by 14.56%, indicating a commitment to supporting the marine economy [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 [15]. - The bank's brand value reached 36.236 billion yuan, ranking it 317th in the "China's 500 Most Valuable Brands" list, reflecting its sustained efforts in strategic development and social responsibility [17].

青岛银行 青岛银行 BQD 分时图 日K线 周K线 月17USDPREF K线 4.86 0.04 0.83% 1.04% 0.62% 0.41% 0.00% 0.41% 0.62% 1.04% 4.77 4.79 4.80 4.82 4.84 4.85 4.87 09:30 10:30 11:30/13:00 14:00 15:00 0 50万 101万 151万 青岛银行（002948）(03866)发布公告，青岛银行股份有限公司董事会收到该行独立非执行董事范学军 先生的辞职报告。因个人健康原因，范学军先生辞去第九届董事会独立非执行董事，以及董事会审计委 员会主任委员、董事会薪酬委员会委员、董事会提名委员会委员和董事会关联交易控制委员会委员职 务。范学军先生的辞任将在新任独立非执行董事任期起始之日生效。辞任生效后，范学军先生将不再担 任该行及该行控股子公司任何职务。 ...

董事会同意拟由陈霜女士担任董事会提名委员会委员，吴显明先生不再担任董事会提名委员会委员。 青岛银行（002948）(03866)发布公告，该行董事会于2025年8月28日审议通过相关议案，同意提名王竹 泉先生为第九届董事会独立非执行董事候选人，并拟由王竹泉先生担任第九届董事会审计委员会主任委 员、董事会薪酬委员会委员、董事会提名委员会委员和董事会关联交易控制委员会委员。 王竹泉先生任该行独立非执行董事尚须提交该行股东大会审议，获该行股东大会审议并通过后其任职资 格尚须报送国家金融监督管理总局青岛监管局核准，其任期自其任职资格获得核准之日起至第九届董事 会任期届满之日止。王竹泉先生任上述董事会专门委员会委员职务将自王竹泉先生的任职资格获得青岛 监管局核准后生效。 因范学军先生拟不再担任第九届董事会下设专门委员会所任职务，拟由王竹泉先生担任董事会审计委员 会主任委员、董事会薪酬委员会委员、董事会提名委员会委员和董事会关联交易控制委员会委员职务。 本次专门委员会成员调整自王竹泉先生的任职资格获得监管部门核准后生效。除上述调整外，第九届董 事会各专门委员会的构成和成员均未发生变化。 ...