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]

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]