关于召开 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 股类别股东大会的通知 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"）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股类别股东大会定于2025年9月26日 依次召开，会议有关事项通知如下： 一、召开会议基本情况 证券代码：002948 证券简称：青岛银行 公告编号：2025-034 青岛银行股份有限公司 （一）股东大会届次：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。 （二）股东大会的召集人：本行董事会。本行第九届董事会第十七次会议审议 通过了《关于召开青岛银行股份有限公司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股类别股东大会的议案》。 （三）会议召开的合法、合规性：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股类别股东大会的召开符合有关法律 ...

青岛银行股份有限公司 2025年第一次临时股东大会 2025年第一次A股类别股东大会 2025年第一次H股类别股东大会 会议文件 （A 股证券代码：002948） 2025 年 9 月 26 日 会议议程 会 议 议 程 现场会议时间：2025 年 9 月 26 日（星期五）上午 9:00 开 始 现场会议地点：青岛市崂山区秦岭路 6 号青岛银行总行 会议议程： 一、主持人宣布现场会议开始 二、主持人介绍现场股东出席情况 三、报告并审议会议议案 四、现场股东提问交流 五、对审议事项进行现场投票表决 六、宣布会议结束 会议文件列表 会议文件列表 一、2025 年第一次临时股东大会将审议以下议案 普通决议案 1.关于选举王竹泉先生为青岛银行股份有限公司第九届董 事会独立董事的议案 特别决议案 2.关于修订《青岛银行股份有限公司章程》的议案 3.关于修订《青岛银行股份有限公司股东大会议事规则》 的议案 4.关于修订《青岛银行股份有限公司董事会议事规则》的 议案 5.关于青岛银行股份有限公司不再设置监事会的议案 6.关于青岛银行股份有限公司发行非资本类金融债券的议 案 7.关于青岛银行股份有限公司发行资本类金融债券的 ...

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600928 | 西安银行 | 4.18 | 2.45% | 62.63万 | 2.59 Z | | 601838 | 成都银行 | 18.36 | 1.44% | 24.19万 | 4.43亿 | | 002966 | 苏州银行 | 8.14 | 1.37% | 67.31万 | 5.50亿 | | 600926 | 杭州银行 | 15.74 | 0.70% | 59.87万 | 9.44亿 | | 616009 | 江苏银行 | 10.67 | 0.09% | 120.05万 | 12.80亿 | | 601665 | 齐鲁银行 | 5.61 | 0.00% | 60.11万 | 3.38亿 | | 002936 | 郑州银行 | 2.03 | 0.00% | 81.00万 | 1.65亿 | | 001227 | 兰州银行 | 2.42 | 0.00% | 46.93万 | 1.13亿 | | 601963 | 重庆银行 | 9.59 | - ...

Investment Rating - The investment rating for Qingdao Bank is "Buy" and is maintained [7]. Core Views - The bank's revenue growth rate for the first half of the year is 7.5%, and the net profit attributable to shareholders has increased by 16.0%, indicating a continued leading profit growth and validation of quality improvement logic [2][6]. - Net interest income has grown significantly by 12.2%, primarily due to rapid growth in scale [10]. - The bank's non-performing loan ratio has decreased to 1.12%, with a provision coverage ratio of 253%, marking the best level since its listing [2][10]. - The bank's current valuation is considered undervalued [2]. Summary by Relevant Sections Financial Performance - Revenue growth of 7.5% and net profit growth of 16.0% in the first half of the year [2][6]. - Net interest income increased by 12.2%, while non-interest income decreased by 2.1% [10]. - The cost-to-income ratio and tax rate have significantly decreased, contributing to high profit growth [10]. Loan and Asset Quality - Total assets grew by 7.7% and loans by 8.1% compared to the beginning of the year [10]. - Corporate loans saw substantial growth, with a year-on-year increase in general corporate and bill loans of 11.3% and 13.7%, respectively [10]. - The non-performing loan ratio decreased by 1 basis point from the previous quarter and by 2 basis points from the beginning of the year [6][10]. Risk Indicators - The non-performing loan net generation rate is 0.58%, maintaining an excellent level [10]. - The bank's asset quality remains strong, with a notable decrease in the non-performing loan ratio for corporate loans [10]. Investment Outlook - The bank plans to issue convertible bonds not exceeding 4.8 billion yuan, which will enhance its capital strength if conversion occurs [10]. - The bank's A/H share PB valuation is 0.74x/0.58x, and PE valuation is 6.5x/5.1x, indicating significant room for recovery [10].

Group 1: Investment Performance - In the first half of 2025, Qingdao Bank's investment income and fair value changes totaled 1.51 billion yuan, an increase of 212 million yuan, representing a year-on-year growth of 16.37% [2] - Investment income accounted for approximately 19.71% of total revenue, showing a slight change from 18.21% in the same period last year [2] - The bank enhanced its financial investment monitoring and executed bond profit-taking operations to lock in gains amid market fluctuations [2] Group 2: Strategic Focus - The bank aims to optimize investment trading strategies, improve market analysis, and enhance asset investment efficiency while ensuring alignment between liabilities and assets [2] - Emphasis will be placed on risk prevention, focusing on standardized fixed-income bonds and strengthening duration management [3] - The bank plans to diversify its middle-income business by developing underwriting, custody, and wealth management services, as well as expanding international business [4] Group 3: Retail Lending Strategy - Qingdao Bank is committed to strict project entry controls in personal housing loans while enhancing risk monitoring and management systems [4] - The bank's strategy includes maintaining a stable housing loan base while actively promoting business and consumer loans [5] - The focus will be on increasing market share for quality projects and channels, supporting reasonable housing demands, and expanding the market competitiveness of flagship products [5][6]

Core Insights - The article highlights the strong development momentum of local banks in Shandong, showcasing impressive performance in asset scale expansion, profitability improvement, and risk management amid regional economic resilience [1][4]. Group 1: Asset Scale and Competition - As of June 2025, Qilu Bank leads with total assets of 751.305 billion, followed closely by Qingdao Bank at 743.028 billion, establishing a "dual-hero" competitive landscape [2][3]. - Linyi Commercial Bank exhibited remarkable asset growth, increasing by 13.04% compared to the end of 2024, marking it as the fastest-growing bank [3]. Group 2: Profitability and Revenue Structure - Qingdao Bank reported revenue of 7.662 billion, ranking first, while Qilu Bank followed with 6.782 billion, reinforcing their revenue dominance [5]. - Yantai Bank showed the highest revenue growth at 17.35%, with Jining Bank and Tai'an Bank achieving 15.89% and 13.02% growth, respectively [5]. - Qingdao Bank's net profit reached 3.152 billion, maintaining its leading position, while Qilu Bank's net profit was 2.727 billion [5]. Group 3: Income Sources and Asset Quality - Interest income remains a crucial revenue source, with Yantai Bank's interest income surging by 28.85%, leading the growth [6]. - Investment income for Qingdao Bank soared to 1.509 billion, a 93.96% increase, becoming a significant driver of non-interest income growth [7]. - Most Shandong city commercial banks maintain a low non-performing loan ratio between 1%-2%, indicating stable asset quality [7]. Group 4: Regional Economic Support and Future Outlook - Shandong's GDP grew by 6.2% in the first half of 2025, surpassing the national average, indicating a stable economic environment that supports banking growth [8]. - The article notes a differentiated development pattern among banks, with Qilu and Qingdao banks leveraging scale and brand, while others like Jining and Weifang banks show rapid growth potential [9]. - Future challenges include deepening interest rate marketization and increasing regulatory demands, necessitating banks to optimize income structures and enhance digital service capabilities [9].

Core Viewpoint - The launch of the "Shanghai Clearing House Marine Economy Preferred Bond Index" marks the first bond index in China focused on the marine economy, filling a gap in this sector and providing strong financial support for the marine power strategy [1] Group 1: Index Overview - The index is a collaboration between Qingdao Bank and Shanghai Clearing House, aimed at promoting the marine economy through a specialized financial tool [1] - It selects bonds from issuers with good credit quality involved in marine industries such as fisheries, oil and gas, electricity, transportation, engineering, and ports [1] - The index serves as an authoritative investment tool and benchmark for marine economy-themed bonds, facilitating the flow of social funds into the marine industry [1] Group 2: Economic Context - China's marine economy has shown steady growth and has become an important part of the national economy [1] - The index aims to help market participants efficiently allocate resources in the marine economy and guide more financial resources towards key marine industries [1] Group 3: Future Plans - Qingdao Bank plans to continue enhancing its financial services for the marine economy, aligning with central financial work conference directives and government initiatives [1] - The bank will focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to support the high-quality development of the marine economy [1]

Group 1 - Qingdao Bank and Guolian Minsheng Securities launched a public fund advisory service, marking a significant milestone in their strategic partnership and making Qingdao Bank the first local bank in Shandong to offer this service [1][3] - The collaboration aims to respond to the evolving wealth management market by providing professional, personalized, and periodic asset allocation services to clients [1][3] Group 2 - The fund advisory service emphasizes transparency, professional dynamic management, and a client-centric service philosophy, with a focus on risk diversification through a carefully selected basket of public funds [5][6] - High-net-worth clients can receive customized portfolio solutions, and the service prioritizes cost control to ensure a win-win for both investors and institutions [6] Group 3 - Qingdao Bank reported a revenue of 7.662 billion yuan and a net profit of 3.065 billion yuan for the first half of the year, with year-on-year growth rates of 7.5% and 16.05%, respectively, both exceeding industry averages [11] - The bank's retail business has gained increasing market recognition, with personal deposits accounting for 50.95% of total deposits by the end of June [11] Group 4 - Guolian Minsheng Securities, established in 1992, has developed a comprehensive business system including wealth management, investment banking, and asset management, with a managed scale exceeding 40 billion yuan and over 320,000 clients [13] - The partnership with Qingdao Bank is part of Guolian Minsheng Securities' strategy to deepen its presence in the Qingdao and Shandong regions [13][14] Group 5 - Both companies aim to provide multi-layered and multi-type public fund investment strategies, driven by a dual focus on professionalism and service, to build a trusted wealth management service brand [16]

Core Insights - The financial reports of 64 listed companies in Qingdao show overall stable performance, with 40 companies achieving revenue growth and 29 companies achieving both revenue and net profit growth in the first half of the year [1][15] - Haier Smart Home leads in both revenue and profit among Qingdao listed companies, reporting revenue of 156.49 billion yuan and net profit of 12.03 billion yuan [1][9] - Emerging industries such as new-generation information technology and artificial intelligence are highlighted as key growth areas, supported by policies like "old-for-new" [3][20] Industry Performance - New-generation information technology and artificial intelligence are prioritized industries in Qingdao, with companies like Hisense achieving revenue of 27.23 billion yuan, a 6.95% increase, and net profit of 1.06 billion yuan, a 26.63% increase [3][16] - The logistics sector shows strong performance, with companies like LeCang Logistics achieving a revenue increase of 20% and a net profit increase of 898.4% [13][12] - The automotive market continues to thrive, with companies like Sanxiang Technology reporting revenue of 5.29 billion yuan, a 22.3% increase, and net profit of 0.39 billion yuan, an 88.9% increase [6][20] Emerging Industries - 36 out of 64 listed companies are involved in emerging industries such as smart connected new energy vehicles, green energy, and intelligent equipment, accounting for over 56% of the total [20] - In the green energy sector, companies like Teruid achieve revenue of 6.255 billion yuan, a 16.72% increase, and net profit of 0.327 billion yuan, a 69.32% increase [7][21] Advantageous Industries - The three main advantageous industries in Qingdao are smart home appliances, high-end chemicals and new materials, and modern light industry, which show strong resilience and stability [8][22] - The smart home appliance sector benefits from the "old-for-new" policy, with Haier Smart Home's overseas business growing significantly in regions like South Asia and the Middle East [9][22] Service Sector - The service sector contributes nearly 60% to Qingdao's economic growth, with financial and logistics industries maintaining growth, while the retail sector undergoes significant adjustments [12][13] - Qingdao Bank reports a net profit of 3.152 billion yuan, a 16.25% increase, reflecting stable growth in a complex market environment [12][13]

Group 1 - Qingdao Bank's major shareholder, Qingdao Guoxin Financial Holdings, plans to increase its stake by up to 5% within six months, reflecting a trend of local state-owned enterprises strengthening control over regional financial institutions [2][3] - As of the announcement date, Guoxin Financial Holdings and its concerted parties hold a total of 872 million shares, accounting for 14.99% of Qingdao Bank's total shares [2] - In 2023, 23 A-share listed banks have seen shareholders or executives increase their holdings, indicating a broader trend of confidence in the banking sector [2][3] Group 2 - The increase in shareholding is seen as a recognition of the long-term investment value of banks and aims to enhance the ability to serve the real economy through financial resource integration [3] - Analysts suggest that the trend of shareholding increases signals a recovery in bank valuations and positive performance growth expectations supported by policies [3] - Such actions are believed to stabilize market confidence and demonstrate shareholders' willingness to invest in the long-term development of banks, especially in the context of economic stabilization and improved asset quality [3]