尤为重要的是，青岛银行近年来持续保持较高分红水平，形成了稳定的投资者回报机制。今年6月18 日，该行发布公告称，2024年度A股利润分配方案为"每10股派1.60元"，现金分红总额约9.31亿元（含 税），现金分红比例维持在33%以上。这一数据不仅连续四年保持稳定，更显著高于上市城商行28%的 平均分红水平，体现了该行对股东回报的高度重视。 青岛银行（002948）（002948.SZ；03866.HK）于7月31日发布2025年半年度业绩快报。数据显示，该 行上半年实现归属于母公司股东的净利润30.65亿元，同比增长16.05%；营业收入达76.62亿元，同比增 长7.50%；资产总额突破7430亿元，较上年末增长7.69%。截至上半年末，青岛银行在盈利能力、资产 规模和资产质量等方面均实现稳步提升，加权平均净资产收益率（年化）达15.75%，同比提高0.41个百 分点。 值得关注的是，青岛银行的股权结构或将迎来重要变化。6月11日，该行公告显示，青岛国信发展（集 团）有限责任公司计划通过子公司增持股份至不超过19.99%，若获批将跃居第一大股东。此次股权结 构调整可能重塑青岛银行的公司治理格局，地方国资话 ...

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7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8月1日 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 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03866 | 說明 | | | | | | | | | 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 | | | 2,291,945,474 | | 0 | | 2,291,945,474 | | 增加 / 減少 (-) | | | | | | | | | 本月底結存 | | | 2,291,945,474 | | 0 | | 2,291,945,474 | | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 ...

2025年上半年，青岛银行在"科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章中找准 定位，按照"专业提升、数智赋能、体系优化、特色驱动"的年度经营指导思想，打造出独具特色的差异 化竞争优势，实现与地方经济同频共振。 在科技金融领域，该行立足青岛科技创新策源地优势，构建"政银企研"协同创新生态，科技金融贷款余 额同比大幅增长，截至2025年3月末，青岛银行科技金融贷款余额达273.02亿元。创新推出"知识产权估 值+风险代偿"双轮驱动模式，实现科技成果转化贷款全省全覆盖，为科创企业提供全生命周期金融服 务。 核心指标攀升 从发展规模看，规模稳健提升。截至6月末，青岛银行资产总额达7430.28亿元，较上年末增长7.69%； 客户贷款总额3684.06亿元，较上年末增长8.14%；客户存款总额4661.40亿元，增幅7.9%，资产负债结 构持续优化。 从盈利能力看，营收净利保持双增长。截至6月末，该行实现营业收入76.62亿元，同比增长7.5%；实现 归母净利润30.65亿元，同比增长16.05%，净利增速显著高于营收增长，凸显精细化经营成效。 从资产质量看，持续向好。截至6月末，该行不良贷款率1. ...

Investment Rating - The report maintains a "Buy" rating for Qingdao Bank (002948.SZ) with a current price of 4.75 yuan [1]. Core Views - Qingdao Bank's revenue for the first half of 2025 reached 7.7 billion yuan, a year-on-year increase of 7.5%, while the net profit attributable to shareholders was 3.06 billion yuan, up 16% year-on-year [3][4]. - The bank's asset quality remains robust, with a non-performing loan ratio of 1.12%, the lowest in its history [6][7]. - The bank's strategic focus is on "structural adjustment, strengthening customer base, optimizing collaboration, and enhancing capabilities" as part of its three-year strategic plan [7]. Summary by Sections Financial Performance - In the first half of 2025, Qingdao Bank's revenue and net profit growth rates were 7.5% and 16%, respectively, showing resilience despite a slight decline from the first quarter [4]. - The bank's total assets and loans grew by 13.6% year-on-year as of the end of the second quarter of 2025 [5]. Loan and Deposit Growth - As of the end of the second quarter of 2025, the bank's total loans increased by 9.3 billion yuan, with a year-on-year growth of 13.6% [5]. - The total liabilities and deposits grew by 13.9% and 13.3%, respectively, indicating steady growth in the bank's funding base [5]. Asset Quality - The non-performing loan ratio decreased to 1.12%, with a provision coverage ratio of 252.8%, reflecting strong risk mitigation capabilities [6][7]. - The bank's provision for loan losses was 10.43 billion yuan, maintaining a robust buffer against potential credit losses [6]. Earnings Forecast and Valuation - The report forecasts earnings per share (EPS) for 2025, 2026, and 2027 to be 0.84, 0.91, and 0.97 yuan, respectively, with corresponding price-to-book (PB) ratios of 0.66, 0.60, and 0.55 [7][12]. - The bank's return on equity (ROE) is projected to be 12.28% in 2025, indicating strong profitability [12][13].

Investment Rating - The investment rating for Qingdao Bank is "Buy" and is maintained [9] Core Views - The bank's revenue growth for the first half of the year is 7.5% year-on-year, with net profit growth of 16.0%, driven by improved asset quality and a decrease in the tax rate [2][6] - The loan balance increased by 8.1% compared to the beginning of the year, with a focus on corporate lending while controlling risks [2][12] - The non-performing loan ratio improved to 1.12%, down 2 basis points from the beginning of the year, with a provision coverage ratio of 253%, up 11 percentage points [2][6] - The significant shareholding increase by the state-owned shareholder, Guoxin Group, signals confidence in the bank's long-term development [2][12] - The bank's performance has consistently exceeded expectations since 2024, indicating a robust fundamental outlook that supports a revaluation of its value [2][12] Summary by Sections Financial Performance - Revenue for the first half of 2025 is projected to maintain a double-digit growth in net interest income, attributed to rapid credit expansion and stabilization of net interest margins [12] - The bank's net profit growth is expected to remain high, benefiting from improved asset quality and a lower effective tax rate [12] Loan and Deposit Growth - Loans grew by 8.1% from the beginning of the year, with a quarterly growth rate of 2.6%, focusing on corporate clients [12] - Deposits increased by 7.9% compared to the beginning of the year, with a quarterly growth of 3.9% [12] Asset Quality - The bank's asset quality indicators are improving, with a declining non-performing loan ratio and increasing provision coverage, reaching the best levels since its listing [12] - The expected non-performing loan generation rate for 2024 is projected to be 0.52%, indicating stability in asset quality [12] Strategic Developments - Guoxin Group's planned significant share increase is seen as a strong signal of confidence in the bank's long-term strategy [12] - The bank's governance structure is market-oriented, and the increased stake by Guoxin Group may enhance support from local government resources [12] Investment Outlook - The bank is expected to continue its high growth trajectory, with a maintained dividend policy and a projected increase in dividend yield for 2025 [12] - Current valuations indicate significant upside potential, with a price-to-book ratio of 0.67x for A-shares and 0.52x for H-shares, alongside a price-to-earnings ratio of 5.9x for A-shares and 4.6x for H-shares [12]

格隆汇8月1日｜A股银行板块探底回升，青岛银行涨超2%，宁波银行、杭州银行、农业银行、苏州银 行跟涨。 ...

银行板块探底回升，青岛银行（002948）涨超2%，宁波银行（002142）、杭州银行（600926）、农业 银行（601288）、苏州银行（002966）跟涨。 银行板块近年收益碾压"纳指"，险资一路增持>> ...

青岛银行A股升5.5%，上半年净利同比增近两成。 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：002948 证券简称：青岛银行 公告编号：2025-023 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：本公告所载2025年半年度的财务数据仅为根据中国企业会计准则初步核算的集团口径数据， 未经会计师事务所审计，与2025年半年度报告中披露的最终数据可能存在差异，请投资者注意投资风 险。 一、2025年半年度主要财务数据和指标 除特别说明外，金额单位为人民币千元 二、经营业绩和财务状况情况说明 注：（1）基本每股收益和加权平均净资产收益率根据《公开发行证券的公司信息披露编报规则第9号— 净资产收益率和每股收益的计算及披露》（2010年修订）计算。本期基本每股收益和加权平均净资产收 益率同比均有所增长，主要是归属于母公司普通股股东的净利润增加。本行于2022年7-8月发行永续 债，分类为其他权益工具。计算加权平均净资产收益率时，"加权平均净资产"扣除了永续债的影响。 （2）归属于母公司普通股股东的每股净资产=（归属于母公司股东权益—其他权益工具）/期末普通股 股数。 （3）上述未经审计、经审计 ...

Key Points - Tibet Tourism may apply for suspension of trading if significant abnormalities occur in stock transactions [1] - Southern Road Machinery's stock price has deviated from its fundamental situation [1] - Industrial Fulian's major customers and products have not undergone significant changes [1] - Yingweike has established a relatively complete liquid cooling technology and product solution capability [1] - Victory Energy's operational situation remains normal with no significant changes in the internal and external business environment [1] - Qizheng Tibetan Medicine's operational situation is normal with no significant changes in the internal and external business environment [1] - Dongxin Co. states that its investment in Shanghai Lishuan's chip products is not applicable for large model computing clusters [1] - Guosheng Co. has obtained project filing related to PEEK from its wholly-owned subsidiary [1] - Action Education's actual controller proposed a mid-term dividend of 10 yuan per 10 shares [1] Mergers and Acquisitions - Darui Electronics plans to acquire 80% of Weiste's equity through capital increase and share acquisition [1] - Dashengda intends to acquire 30% equity of Thailand's Far East [1] Financing - Aoshikang plans to issue convertible bonds not exceeding 1 billion yuan for high-end printed circuit board projects [1] - Sixuan New Materials intends to raise no more than 466 million yuan through a private placement [1] - Changhua Chemical plans to raise no more than 230 million yuan for a carbon dioxide polyether project [1] Share Buybacks and Reductions - Fuanna plans to repurchase shares worth between 55.85 million and 104 million yuan [1] - Jiangnan Yifan's board member intends to increase his stake in the company [1] - Jieya Co. and its concerted parties plan to reduce their holdings by no more than 4.95% [1] - Other companies including Tongda Co., Haohan Deep, and Wanhu Chemical also plan to reduce their holdings [1] Operational Data - Sinopec expects a net profit decline of 39.5% to 43.7% year-on-year for the first half of the year [1] - Qingdao Bank reported a net profit of 3.065 billion yuan for the first half, up 16.05% year-on-year [1] - Daodaquan's net profit increased by 563.15% year-on-year, proposing a dividend of 1.76 yuan per 10 shares [1] - Zhengdan Co. reported a net profit increase of 120.35% year-on-year, proposing a dividend of 3 yuan per 10 shares [1] - Other companies reported varying profit changes, including losses and significant increases [1] Contracts and Major Investments - Sanhui Electric signed a framework contract for robot equipment sales [1] - Zhejiang University Network New's subsidiary won a smart engineering project worth 94.2712 million yuan [1] - New Aluminum Times plans to invest no less than 500 million yuan in a project for lightweight, high-strength auto parts [1] - Zhishang Technology will use part of its raised funds for a smart manufacturing production base in Vietnam [1]