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 境内同步披露公告 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 2024 年 4 月 19 日 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 registered shareholder(s), Arrangem ...

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]

青岛银行股份有限公司董事会 关于独立董事 2023 年度独立性评估的专项意见 经核查独立董事房巧玲女士、邢乐成先生、张旭先生、张文础先生、杜宁先生 的任职经历以及签署的相关自查文件等内容，本行董事会认为前述人员未在本行担 任独立董事以外的任何职务，也未在本行主要股东担任任何职务，与本行以及主要 股东之间不存在利害关系或其他可能妨碍其进行独立客观判断的关系，不存在其他 影响独立董事独立性的情况，因此，本行独立董事符合《上市公司独立董事管理办 法》《深圳证券交易所上市公司自律监管指引第 1 号——主板上市公司规范运作》 等相关法律法规及《公司章程》中对独立董事独立性的相关要求。 青岛银行股份有限公司董事会 2024 年 3 月 28 日 根据《上市公司独立董事管理办法》《深圳证券交易所上市公司自律监管指引 第 1 号——主板上市公司规范运作》《青岛银行股份有限公司章程》（以下简称"《公 司章程》"）及《青岛银行股份有限公司独立董事工作办法》等相关规定，并结合 独立董事出具的《青岛银行股份有限公司独立董事关于独立性的自查报告》，青岛 银行股份有限公司（以下简称"本行"）董事会就本行在任独立董事房巧玲女士、 邢乐成先 ...

青岛银行股份有限公司 二、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独立意见 独立董事对相关事项的独立意见 毕马威华振会计师事务所（特殊普通合伙）、毕马威会计师事务所具备相关业 务资质，具备足够的独立性、专业胜任能力、投资者保护能力，青岛银行聘请其分 别作为2024年度境内审计机构、2024年度境外审计机构符合相关法律法规的要求， 有利于保障青岛银行审计工作的质量，有利于保护青岛银行及股东利益，尤其是中 小股东利益，其审议程序符合法律法规和公司章程的规定。我们同意《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》，并同意将该议案提 交股东大会审议。 根据《中华人民共和国公司法》《上市公司独立董事管理办法》《深圳证券交易 所股票上市规则》《深圳证券交易所上市公司自律监管指引第1号——主板上市公司 规范运作》《上市公司监管指引第8号——上市公司资金往来、对外担保的监管要求》 （中国证券监督管理委员会公告〔2022〕26号）等法律法规和《青岛银行股份有限 公司章程》的有关规定，我们作为青岛银行股份有限公司（以下简称"青岛银行"） 的独立董事，经审阅相关议案，在全面了解、充分 ...

证券代码：002948 证券简称：青岛银行 公告编号：2024-009 1.经与会董事签字的通讯表决书及加盖董事会印章的董事会决议。 2.董事会审计委员会审议证明文件。 特此公告。 青岛银行股份有限公司（以下简称"本行"）于2024年3月14日以电子邮件方 式向董事发出关于召开第八届董事会第四十四次会议的通知，会议于2024年3月 26日以通讯表决方式召开，应参与表决董事14名，实际表决董事14名。本次会议 召开符合《公司法》《深圳证券交易所股票上市规则》和《青岛银行股份有限公 司章程》的规定。 会议审议通过了关于《青岛银行股份有限公司董事会审计委员会对会计师 事务所 2023 年度履职情况评估及履行监督职责情况的报告》的议案 本议案同意票 14 票，反对票 0 票，弃权票 0 票。 本议案已经本行董事会审计委员会事前认可，由该委员会全体委员审阅无意 见。《董事会审计委员会对会计师事务所 2023 年度履职情况评估及履行监督职 责情况报告》于 2024 年 3 月 28 日在巨潮资讯网（http://www.cninfo.com.cn/）披 露，供投资者查阅。 备查文件 青岛银行股份有限公司董事会决议公告 本 ...