会议议程 会 议 议 程 现场会议时间：2024 年 5 月 31 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 青岛银行股份有限公司 2023年度股东大会 会议文件 （A 股证券代码：002948） 2024 年 5 月 31 日 会议文件列表 会议文件列表 普通决议案 一、审议事项 议案 1.青岛银行股份有限公司 2023 年度董事会工作报告 议案 2.青岛银行股份有限公司 2023 年度监事会工作报告 议案 3.青岛银行股份有限公司 2023 年度财务决算报告 议案 4.青岛银行股份有限公司 2023 年度利润分配方案 议案 5.关于聘请青岛银行股份有限公司 2024 年度外部审 计机构及其报酬的议案 议案 6.关于选举青岛银行股份有限公司第九届董事会董事 的议案 6.01 选举周云杰先生为青岛银行股份有限公司第九届董 事会非执行董事 6.02 选举 Rosario STRANO 先生为青岛银行 ...

证券代码：002948 证券简称：青岛银行 公告编号：2024-014 青岛银行股份有限公司 关于召开 2023 年度股东大会的通知 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"）2023年度股东大会（以下简称"本次 股东大会"）定于2024年5月31日召开，会议有关事项通知如下： 一、召开会议基本情况 （一）股东大会届次：2023年度股东大会 （二）股东大会的召集人：本行董事会，本行第八届董事会第四十五次会议审 议通过了关于召开青岛银行股份有限公司2023年度股东大会的议案。 （三）会议召开的合法、合规性：本次股东大会的召开符合有关法律、行政法 规、部门规章、规范性文件、深圳证券交易所业务规则和公司章程等的规定。 （四）会议召开的日期、时间 1.现场会议：2024年5月31日（星期五）上午9:00开始 2.网络投票：通过深圳证券交易所交易系统进行网络投票的时间为2024年5月31 日9:15-9:25，9:30-11:30和13:00-15:00；通过互联网投票系统投票的时间为2024年5 月31日9:15-15:00。 ...

Financial Performance - Operating income for Q1 2024 reached RMB 3,689,255 thousand, an increase of 19.28% compared to RMB 3,093,053 thousand in Q1 2023[3] - Net profit attributable to shareholders of the parent company was RMB 1,080,635 thousand, up 18.74% from RMB 910,066 thousand in the same period last year[3] - Basic earnings per share increased to RMB 0.19, reflecting an 18.75% rise from RMB 0.16 in Q1 2023[3] - Total comprehensive income for Q1 2024 was RMB 1,703,500 thousand, significantly higher than RMB 944,366 thousand in Q1 2023, reflecting a growth of approximately 80%[37] - Operating profit for Q1 2024 reached RMB 1,308,469 thousand, an increase of 25% compared to RMB 1,048,336 thousand in Q1 2023[35] Assets and Liabilities - Total assets as of March 31, 2024, amounted to RMB 623,070,530 thousand, a 2.48% increase from RMB 607,985,372 thousand at the end of 2023[3] - The bank's total liabilities reached RMB 581,427,787 thousand, reflecting a 2.36% increase from RMB 568,046,129 thousand at the end of 2023[3] - As of March 31, 2024, the total assets of the company reached RMB 623.071 billion, an increase of RMB 15.085 billion or 2.48% compared to the end of the previous year[17] - The total liabilities of the company amounted to RMB 581.428 billion, increasing by RMB 13.382 billion or 2.36% from the end of the previous year[17] Capital Adequacy - The bank's capital adequacy ratio improved to 13.46% as of March 31, 2024, compared to 12.79% at the end of 2023[8] - The core Tier 1 capital adequacy ratio was 8.98% as of March 31, 2024, compared to 8.50% at the end of 2023[13] - The Tier 1 capital adequacy ratio was 10.68% as of March 31, 2024, compared to 10.27% at the end of 2023[13] - The total capital adequacy ratio was 13.46% as of March 31, 2024, compared to 13.09% at the end of 2023[13] Loan and Deposit Growth - The total customer loans reached RMB 317.041 billion, up RMB 16.951 billion or 5.65% from the end of the previous year, and increased by RMB 33.854 billion or 11.95% year-on-year[17] - The total customer deposits were RMB 390.109 billion, an increase of RMB 4.047 billion or 1.05% from the end of the previous year, and up RMB 32.382 billion or 9.05% year-on-year[17] - The balance of loans to private enterprises was 78.575 billion yuan, an increase of 6.116 billion yuan, or 8.44% year-on-year[19] - The balance of inclusive small and micro loans reached 37.866 billion yuan, an increase of 4.020 billion yuan, or 11.88% year-on-year[19] Cash Flow and Liquidity - The net cash flow from operating activities was negative at RMB (4,190,388) thousand, a decline of 170.65% from RMB 5,931,055 thousand in Q1 2023[3] - Net cash inflow from operating activities was RMB 28,197,599 thousand, down from RMB 33,410,698 thousand in Q1 2023, indicating a decrease of about 15.6%[40] - Cash flow from investment activities generated a net inflow of RMB 5,410,740 thousand, compared to a net outflow of RMB 503,604 thousand in Q1 2023[42] - Cash flow from financing activities resulted in a net inflow of RMB 1,764,486 thousand, a notable increase from RMB 739,025 thousand in the same period last year[42] - The liquidity coverage ratio increased to 178.14% as of March 31, 2024, up from 158.11% at the end of 2023[15] Interest and Income - Interest income reached 2.367 billion yuan, an increase of 169 million yuan, or 7.70% year-on-year, while non-interest income rose to 1.322 billion yuan, up 427 million yuan, or 47.67% year-on-year[18] - The net interest margin was positively impacted by an increase in interest income from loans, with a significant rise in interest income from the average balance of interest-earning assets[10] - The bank's investment income for Q1 2024 was RMB 356,277 thousand, slightly up from RMB 347,112 thousand in Q1 2023, showing a modest increase of about 2.3%[33] - The bank's other comprehensive income increased to RMB 1,530,874 thousand from RMB 947,211 thousand, indicating a significant rise of approximately 61.6%[30] Loan Quality - The non-performing loan ratio remained stable at 1.18% as of March 31, 2024, unchanged from the end of 2023[8] - The company reported a normal loan migration rate of 1.23% for the quarter, indicating a stable loan quality[2] - The non-performing loan ratio remained stable at 1.18%, unchanged from the end of the previous year, with a provision coverage ratio of 232.35%, up 6.39 percentage points[18] Strategic Initiatives - The company is actively enhancing its capital-intensive development model, with net capital increasing across all levels[19] - The company is focusing on digital transformation and has launched online inclusive loans to support small and micro enterprises[19]

Financial Performance - Operating income for Q1 2024 reached RMB 3,688,178 thousand, an increase of 19.39% compared to RMB 3,089,260 thousand in Q1 2023[3] - Net profit attributable to shareholders for Q1 2024 was RMB 1,080,635 thousand, up 18.74% from RMB 910,066 thousand in the same period last year[3] - Basic and diluted earnings per share for Q1 2024 were both RMB 0.19, reflecting an 18.75% increase from RMB 0.16 in Q1 2023[3] - For the period from January 1 to March 31, 2024, the net profit was RMB 1,119,837 thousand, an increase from RMB 947,175 thousand in the same period of 2023, representing a growth of approximately 18.2%[24] - The net profit before tax for the period from January 1 to March 31, 2024, was RMB 1,307,392 thousand, up from RMB 1,044,572 thousand in the same period of 2023, reflecting a year-on-year increase of 25.3%[30] Assets and Liabilities - Total assets as of March 31, 2024, amounted to RMB 623,070,530 thousand, representing a 2.48% increase from RMB 607,985,372 thousand at the end of 2023[3] - Total liabilities increased by 2.36% to RMB 581,427,787 thousand as of March 31, 2024, compared to RMB 568,046,129 thousand at the end of 2023[3] - The total liabilities and equity as of March 31, 2024, amounted to RMB 623,070,530 thousand, an increase from RMB 607,985,372 thousand as of December 31, 2023[28] Capital and Ratios - The return on average equity (annualized) improved to 12.90% in Q1 2024, up from 12.19% in Q1 2023, an increase of 0.71 percentage points[3] - The capital adequacy ratio as of March 31, 2024, was 13.46%, up from 12.79% at the end of 2023[7] - The core tier 1 capital adequacy ratio reached 8.98% as of March 31, 2024, compared to 8.42% at the end of 2023[9] - The leverage ratio stood at 6.07% as of March 31, 2024, up from 5.83% at the end of 2023[10] - The liquidity coverage ratio improved to 178.14% as of March 31, 2024, compared to 158.11% at the end of 2023[11] Loan and Deposit Information - As of March 31, 2024, the total customer loans amounted to RMB 317,040,720 thousand, reflecting a year-over-year increase of 5.65%[9] - The total deposits from customers were RMB 390,109,637 thousand, showing a slight increase of 1.05% year-over-year[9] - Customer loans totaled CNY 317.041 billion, increasing by CNY 16.951 billion or 5.65% from the previous year, and up CNY 33.854 billion or 11.95% year-over-year[13] - Loans to private enterprises reached CNY 78.575 billion, an increase of CNY 6.116 billion or 8.44% from the previous year[14] Income and Expenses - Net interest income was CNY 2.367 billion, an increase of CNY 169 million or 7.70% year-over-year[13] - Non-interest income grew to CNY 1.321 billion, up CNY 430 million or 48.18% year-over-year[13] - Interest income received during the first quarter of 2024 was RMB 4,554,887 thousand, compared to RMB 4,180,031 thousand in the same period of 2023, reflecting an increase of 9%[32] - The bank reported a significant increase in credit impairment losses, which rose to RMB 1,390,023 thousand in Q1 2024 from RMB 1,120,443 thousand in Q1 2023, indicating a year-on-year increase of 24.1%[30] Risk Management - The non-performing loan ratio remained stable at 1.18% as of March 31, 2024, unchanged from the end of 2023[7] - The coverage ratio for provisions increased to 232.35%, up 6.39 percentage points from the previous year[14] - The ratio of normal loans was 98.33% of total loans as of March 31, 2024, indicating a year-over-year increase of 5.71%[12] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place[21] Cash Flow - The cash flow from operating activities for the first quarter of 2024 was a net outflow of RMB 4,190,388 thousand, compared to a net inflow of RMB 5,931,055 thousand in the same period of 2023[31] - The net cash generated from financing activities in Q1 2024 was RMB 1,764,486 thousand, compared to a net outflow of RMB 739,025 thousand in Q1 2023[32] Other Financial Metrics - The bank's cash and deposits with the central bank increased to RMB 32,894,111 thousand from RMB 31,043,664 thousand, showing a rise of about 5.9%[26] - The bank's financial investments measured at fair value increased to RMB 61,612,058 thousand from RMB 58,269,523 thousand, reflecting a growth of approximately 4.0%[26] - The bank's cash and cash equivalents increased to RMB 18,580,681 thousand as of March 31, 2024, from RMB 16,180,501 thousand at the end of Q1 2023, marking a rise of 14.8%[32] - The bank's total comprehensive income for the period increased to RMB 1,530,874 thousand as of March 31, 2024, compared to RMB 947,211 thousand as of December 31, 2023, showing a growth of 61.6%[28]

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 Bank of Qingdao Co., Ltd.* 青島銀行股份有限公司* (A joint stock company incorporated in the People's Republic of China with limited liability) （於中華人民共和國註冊成立的股份有限公司） (H Shares Stock Code H 股股份代號: 3866) Dear non-registered shareholder(s), Arrangement of Elect ...

Financial Performance - Net interest income for 2023 reached RMB 9,281,969,000, an increase of 11.99% compared to RMB 8,288,314,000 in 2022[20]. - Total operating income for 2023 was RMB 12,481,351,000, reflecting a growth of 7.14% from RMB 11,649,255,000 in the previous year[20]. - The net profit attributable to shareholders of the parent company increased by 15.11% to RMB 3,548,599,000 in 2023, up from RMB 3,082,775,000 in 2022[20]. - The bank's pre-tax profit for 2023 was RMB 3,933,397,000, a significant increase of 25.43% compared to RMB 3,135,959,000 in 2022[20]. - Basic earnings per share rose to RMB 0.57, reflecting a 26.67% increase from RMB 0.45 in 2022[20]. - The group's operating income for 2023 reached 12.481 billion CNY, an increase of 7.11%, while net profit rose to 3.671 billion CNY, up 15.91%[42]. - The company's net profit for the reporting period was CNY 3.671 billion, representing a year-on-year growth of 15.91%[52]. Assets and Liabilities - Total assets as of December 31, 2023, amounted to RMB 607,985,372,000, representing a 14.80% increase from RMB 529,613,992,000 at the end of 2022[22]. - The total liabilities as of December 31, 2023, were RMB 568,046,129,000, up 15.22% from RMB 493,020,697,000 in 2022[22]. - Shareholder equity reached RMB 39.94 billion, an increase of 9.14% from RMB 36.59 billion at the end of 2022[161]. - The total issued bonds increased by 19.24% to RMB 89.27 billion, compared to RMB 74.24 billion at the end of 2022[160]. Customer Loans and Deposits - Customer loans totaled RMB 300,089,541,000, an increase of 11.55% from RMB 269,029,452,000 in 2022[22]. - Total customer deposits reached RMB 386,062,259,000, marking a 13.10% increase from RMB 341,347,176,000 in the previous year[22]. - The balance of loans to private enterprises at year-end was 72.459 billion CNY, with significant growth in both the loan growth rate and proportion for the real economy[43]. - The total loan amount at the end of the reporting period reached RMB 300.09 billion, with non-performing loans totaling RMB 3.54 billion, resulting in a non-performing loan ratio of 1.18%[177]. Risk Management - The company emphasizes the importance of risk management, detailing major risks and corresponding mitigation strategies in the management discussion section[8]. - The non-performing loan ratio improved to 1.18% in 2023, down from 1.21% in 2022, a decrease of 0.03 percentage points[24]. - The provision coverage ratio increased to 225.96% in 2023, compared to 219.77% in 2022, an increase of 6.19 percentage points[24]. - The company has enhanced its risk management capabilities, leading to a reduction in impairment provisions despite loan growth[123]. Green Finance and Social Responsibility - The company aims to expand its green credit offerings, focusing on energy-saving and environmental protection projects, aligning with national green finance initiatives[9]. - The balance of green loans at year-end was 26.135 billion CNY, with a growth rate of 24.90%[43]. - The company has actively expanded channels for non-performing asset disposal, utilizing measures such as self-collection, judicial disposal, asset write-off, and debt transfer[200]. Corporate Governance - The board of directors approved the annual report during the 45th meeting, with full attendance from the 14 directors[6]. - The financial statements for 2023 were audited by KPMG, receiving a standard unqualified opinion, ensuring the accuracy and completeness of the financial report[6]. - The company operates under both Chinese Accounting Standards and International Financial Reporting Standards, ensuring compliance with regulatory requirements[6]. Digital Transformation and Innovation - The bank's digital transformation efforts included the successful launch of 78 projects in 2023, marking a 44.44% increase from the previous year[43]. - Qingdao Bank launched 24 new products under the "Sword Casting Action" initiative, focusing on international business, supply chain finance, and inclusive finance[43]. Market Position and Recognition - The company was ranked 289th in the 2023 Global Banking 1,000 list by the Banker magazine, maintaining its position among the top 300 global banks[55]. - The company has been recognized for its brand value of CNY 27.069 billion, ranking 335th in the "China's 500 Most Valuable Brands" list for the seventh consecutive year[55].

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 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。 青島銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，本行將於2024年4月29日 （星期一）舉行董事會會議，藉以考慮及批准本行及其附屬公司截至2024年3月31日止三個 月之第一季度業績及其他事宜。 承董事會命 青島銀行股份有限公司* 景在倫 董事長 中國山東省青島市 2024年4月17日 2024 年 4 月 17 日 香港交易及結算所有限公司及香港聯合交易所有限公司對本通告的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本通告全部或任何部份內容 而產 ...

Investment Rating - The investment rating for Qingdao Bank is "Buy" [2][3]. Core Views - Qingdao Bank's 2023 revenue and net profit growth met expectations, with revenue growth increasing against the trend and net profit showing double-digit growth. The bank's asset expansion speed has accelerated, and its net interest margin outperformed peers, maintaining a "Buy" rating [2][3]. Financial Summary - Revenue for 2023 reached 12,472 million RMB, reflecting a growth of 7.11% compared to 2022, which is an increase of 2.5 percentage points [2]. - Net profit for 2023 was 3,549 million RMB, showing a growth of 15.11% year-on-year, an increase of 9.63 percentage points from 2022 [2]. - The bank's total assets, total loans, and total deposits grew by 14.8%, 11.6%, and 13.1% respectively in 2023 [2]. Net Interest Margin - The net interest margin for 2023 was 1.83%, a decrease of 2 basis points from the first half of the year but an increase of 7 basis points from 2022. This indicates stronger resilience compared to the industry average [2]. - The yield on interest-earning assets decreased by 3 basis points to 4.17%, while the loan yield fell by 5 basis points to 4.85%, both declines being smaller than those of peers [2]. Asset Quality - The non-performing loan ratio increased by 4 basis points to 1.18% compared to the end of Q3, while the provision coverage ratio decreased by 28.71 percentage points to 225.96% [2]. - The bank's attention rate improved, decreasing by 21 basis points to 0.54%, and the overdue rate fell by 10 basis points to 1.42%, indicating some improvement in forward-looking indicators [2].

Profit Distribution and Financial Performance - The profit distribution plan proposes a cash dividend of RMB 1.60 per 10 shares for all ordinary shareholders, subject to approval at the shareholders' meeting[2]. - Net interest income for 2023 reached RMB 9,281,969 thousand, an increase of 11.99% compared to RMB 8,288,314 thousand in 2022[15]. - Total operating income was RMB 12,472,276 thousand, reflecting a growth of 7.11% from RMB 11,644,007 thousand in the previous year[15]. - Net profit for 2023 was RMB 3,671,420 thousand, representing a 15.91% increase from RMB 3,167,525 thousand in 2022[15]. - The basic earnings per share for 2023 was RMB 0.57, a 26.67% increase from RMB 0.45 in 2022[16]. - The total equity attributable to shareholders of the parent company increased by 9.07% to RMB 39,063,939 thousand from RMB 35,816,312 thousand in 2022[17]. - The company's net profit for the year was supported by a robust growth in core business, despite a slight decline in capital adequacy ratios[126]. Risk Management and Compliance - The company emphasizes the importance of risk management and has detailed its risk management strategies in the "Management Discussion and Analysis" section[4]. - The board of directors and senior management confirm the accuracy and completeness of the annual report, taking legal responsibility for any misstatements or omissions[2]. - The company continues to enhance its risk management strategies to ensure the quality of its loan portfolio amid market fluctuations[106]. - The company has established a comprehensive market risk management system, including sensitivity analysis and stress testing, to monitor interest rate risks effectively[188]. - The market risk management framework includes clear responsibilities and reporting requirements for the board and senior management[186]. Asset and Loan Growth - The total assets as of December 31, 2023, amounted to RMB 607,985,372 thousand, a 14.80% increase from RMB 529,613,992 thousand in 2022[16]. - Customer loans totaled RMB 300,089,541 thousand, up 11.55% from RMB 269,029,452 thousand in 2022[16]. - The company's total loan balance for 2023 was RMB 281.17 billion, with interest income of RMB 13.63 billion, resulting in an average yield of 4.85%[53]. - Corporate loans reached CNY 201.56 billion, up CNY 28.42 billion, or 16.41%, accounting for 67.17% of total customer loans[78]. - Personal loans amounted to CNY 79.08 billion, an increase of CNY 5.70 billion, or 7.77%, representing 26.35% of total customer loans[79]. Digital Transformation and Innovation - The bank launched a new "Inclusive e-loan" product and upgraded its digital risk control system[26]. - A total of 78 digital transformation projects were successfully launched in 2023, a 44.44% increase from the previous year[28]. - The digital transformation strategy is in the "growth phase," focusing on data mining and application to enhance retail business capabilities[154]. - The bank's technology investment amounted to CNY 568 million, a 12.92% increase, accounting for 4.55% of total operating income[174]. - The bank's focus on financial technology innovation led to the successful application of big data and AI, improving operational efficiency and risk control accuracy[176]. Green Finance and Social Responsibility - The company has a commitment to green credit, focusing on loans for energy-saving and environmental protection projects[6]. - The bank's focus on green finance has been recognized with the Paulson Prize for sustainability[26]. - Green loan balance stood at 26.135 billion CNY, marking a growth of 24.90%[28]. - The company has focused on expanding its loan offerings to support green financing and high-tech manufacturing sectors[78]. Customer Growth and Satisfaction - The number of retail customers reached 8.9446 million, an increase of 16.02% year-over-year[153]. - The bank's customer satisfaction net promoter score improved to 80.49%, an increase of 3.79 percentage points year-over-year[158]. - The number of company clients increased to 245,500, a growth of 38,600 clients, or 18.66%[161]. Future Outlook and Strategic Focus - In 2024, the company anticipates continued economic recovery in China, driven by stable growth policies and improved demand, with a focus on infrastructure and new economic drivers[197]. - The bank's strategic focus for 2024 includes enhancing management, risk control, and income generation while optimizing structure and improving quality[199]. - The company aims to strengthen its unique offerings in areas such as inclusive finance, technology manufacturing, and green development, while exploring opportunities in pension finance[198].

Financial Performance - Net interest income for 2023 reached RMB 9,281,969 thousand, an increase of 11.99% compared to RMB 8,288,314 thousand in 2022[4] - Total operating income was RMB 12,481,351 thousand, reflecting a growth of 7.14% from RMB 11,649,255 thousand in the previous year[4] - Net profit attributable to shareholders of the parent company increased by 15.11% to RMB 3,548,599 thousand, up from RMB 3,082,775 thousand in 2022[4] - The bank's pre-tax profit increased by 25.43% to RMB 3,933,397 thousand from RMB 3,135,959 thousand in 2022[4] - Basic earnings per share rose by 26.67% to RMB 0.57, compared to RMB 0.45 in the previous year[4] - The company achieved a net profit of 3.671 billion yuan in 2023, representing a year-on-year growth of 15.91%[11] - Operating income for 2023 was RMB 12.481 billion, up RMB 832 million, a growth of 7.14%[21] Asset and Liability Management - Total assets as of December 31, 2023, amounted to RMB 607,985,372 thousand, representing a 14.80% increase from RMB 529,613,992 thousand at the end of 2022[5] - The bank's total liabilities increased by 15.22% to RMB 568,046,129 thousand from RMB 493,020,697 thousand in 2022[5] - Total customer deposits reached RMB 395,467,359 thousand, a rise of 13.63% compared to RMB 348,043,307 thousand in the previous year[5] - The company’s total assets showed no significant changes during the reporting period[77] - Total liabilities as of the end of 2023 were RMB 568.05 billion, an increase of RMB 75.03 billion or 15.22% compared to the end of the previous year, driven by market expansion and increased deposit absorption[63] Loan and Deposit Growth - Customer loans totaled RMB 300,089,541 thousand, marking an 11.55% increase from RMB 269,029,452 thousand in 2022[5] - Total customer loans amounted to CNY 300.090 billion, up CNY 31.060 billion, representing an 11.55% growth[15] - Retail deposits amounted to CNY 188.444 billion, up CNY 41.116 billion or 27.91% from the previous year, with a share of 48.81% of total deposits[125] - Corporate deposits reached 197.23 billion yuan, a year-on-year increase of 3.6 billion yuan, with a growth rate of 1.86%[133] Risk Management and Asset Quality - The non-performing loan ratio improved to 1.18%, a decrease of 0.03 percentage points compared to the end of the previous year[11] - The company maintains a loan provision coverage ratio of 225.96%, reflecting strong risk management practices[6] - The company reported a credit impairment loss of RMB 4.01 billion, a decrease from RMB 4.29 billion in the previous year[50] - The coverage ratio for provisions reached 225.96%, up by 6.19 percentage points from the previous year[89] - The company has strengthened its control over credit asset quality, leading to stable growth in credit assets[79] Digital Transformation and Innovation - The bank's digital transformation strategy focuses on online, mobile, and intelligent services to enhance customer experience and operational efficiency[13] - The company launched the mobile banking 8.0 version, enhancing user experience and introducing new features for wealth management[151] - The company initiated 55 new fintech projects and successfully launched 78 projects, a year-on-year increase of 44.44%[149] - The company has established a comprehensive network security risk management system, achieving a change success rate of 99.82%[152] Corporate Governance and Compliance - The company strictly adhered to the corporate governance code as per the Hong Kong Stock Exchange listing rules during the reporting period[178] - There were significant changes in the board of directors, including the appointment of Wu Xianming as the new executive director and president on March 20, 2023[181] - The company confirmed compliance with the standards for securities trading by directors and supervisors during the reporting period[179] Future Outlook and Strategic Focus - In 2024, the economic recovery in China is expected to continue, with policies promoting demand recovery and infrastructure acceleration, contributing to a stable banking environment[172] - The company aims to deepen strategic execution and optimize mechanisms, focusing on high-quality development in Shandong Province and Qingdao City[173] - Key areas of focus for 2024 include solidifying customer bases, enriching product structures, and expanding inclusive finance business scale[175]