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 2025 年 4 月 28 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), Please n ...

Financial Performance - Operating revenue for Q1 2025 reached RMB 4,041,353 thousand, an increase of 9.58% compared to RMB 3,688,178 thousand in Q1 2024[7] - Net profit attributable to shareholders of the parent company was RMB 1,258,058 thousand, reflecting a growth of 16.42% from RMB 1,080,635 thousand in the same period last year[7] - Basic and diluted earnings per share increased to RMB 0.22, up 15.79% from RMB 0.19 in Q1 2024[7] - The bank achieved a net profit of 1.258 billion yuan in Q1 2025, an increase of 177 million yuan, or 16.42% year-on-year[25] - Operating revenue reached 4.041 billion yuan, up 353 million yuan, or 9.58% year-on-year[25] - Net interest income was 2.650 billion yuan, an increase of 283 million yuan, or 11.97% year-on-year[25] - Non-interest net income grew to 1.391 billion yuan, up 70 million yuan, or 5.28% year-on-year[25] - The net profit for the three months ended March 31, 2025, was RMB 1,302,199 thousand, an increase of 16.2% compared to RMB 1,119,837 thousand for the same period in 2024[44] Assets and Liabilities - Total assets as of March 31, 2025, amounted to RMB 713,153,153 thousand, representing a 3.36% increase from RMB 689,963,033 thousand at the end of 2024[7] - Total liabilities increased by 3.44% to RMB 667,234,135 thousand from RMB 645,063,204 thousand at the end of 2024[7] - As of March 31, 2025, the total assets of the company reached RMB 713.15 billion, an increase of RMB 23.19 billion or 3.36% compared to the end of the previous year[24] - The total liabilities amounted to RMB 667.23 billion, increasing by RMB 22.17 billion or 3.44% year-on-year[24] - The bank's total equity attributable to shareholders increased to RMB 44,907,429 thousand, up from RMB 43,932,381 thousand at the end of 2024[46] Cash Flow and Liquidity - The net cash flow from operating activities improved significantly to (RMB 475,956 thousand), a decrease of 88.64% from (RMB 4,190,388 thousand) in the previous year[7] - The bank's cash and cash equivalents increased to RMB 32,508,400 thousand as of March 31, 2025, compared to RMB 18,580,681 thousand a year earlier, reflecting a growth of 75.1%[49] - The bank's operating cash flow for the three months ended March 31, 2025, was a net outflow of RMB 475,956 thousand, an improvement from a net outflow of RMB 4,190,388 thousand in the same period of 2024[49] Loan and Deposit Growth - The total customer loans reached RMB 359.12 billion, up RMB 18.43 billion or 5.41% from the previous year, accounting for 50.36% of total assets[24] - The total customer deposits were RMB 448.70 billion, an increase of RMB 16.67 billion or 3.86% year-on-year, representing 67.25% of total liabilities[24] - The company focused on increasing loans in key areas such as green finance and rural revitalization, leading to a steady growth in loan scale[24] - The company implemented strategies to optimize the structure of liabilities, resulting in a steady increase in both corporate and personal deposits[24] Risk and Capital Ratios - The capital adequacy ratio stood at 13.51% as of March 31, 2025, slightly down from 13.80% at the end of 2024[11] - The core tier 1 capital adequacy ratio was 8.96% as of March 31, 2025, down from 9.11% at the end of 2024[16] - The leverage ratio stood at 5.74% as of March 31, 2025, slightly down from 5.79% at the end of 2024[18] - The liquidity coverage ratio was 159.25% as of March 31, 2025, down from 203.02% at the end of 2024[20] - The non-performing loan ratio was 1.13%, remaining stable compared to 1.14% at the end of 2024[11] - The provision coverage ratio increased to 251.49%, up 10.17 percentage points year-on-year[26] - The normal loan classification accounted for 98.39% of total loans, showing an increase of 5.51% year-on-year[22] Operational Efficiency - The cost-to-income ratio improved to 23.93%, down from 35.16% in the previous year[11] - The average return on total assets (annualized) increased to 0.74% from 0.68% in the previous year[11] - The bank's total operating expenses for the first quarter of 2025 were RMB (1,011,203) thousand, slightly up from RMB (990,763) thousand in the same period of 2024[43] - The bank's other operating net income for the first quarter of 2025 was RMB 25,384 thousand, compared to RMB 23,377 thousand in the same period of 2024, indicating an increase of 8.6%[43] Customer Base - The number of corporate customers reached 282,300, an increase of 6,900, or 2.51% year-on-year[27] - Retail customer assets grew to 353.802 billion yuan, an increase of 7.880 billion yuan, or 2.28% year-on-year[27] Sector-Specific Loans - Technology financial loans amounted to 127.302 billion yuan, an increase of 1.464 billion yuan, or 5.67% year-on-year[28] - Green loan balance reached 43.722 billion yuan, up 6.373 billion yuan, or 17.06% year-on-year[28] Other Financial Metrics - The bank's credit impairment losses for the first quarter of 2025 were RMB (1,632,794) thousand, compared to RMB (1,390,023) thousand in the same period of 2024, representing an increase of 17.5%[43] - The bank's trading net gains for the first quarter of 2025 were RMB 23,378 thousand, a recovery from a loss of RMB (40,777) thousand in the same period of 2024[43] - The bank's commission and fee income for the first quarter of 2025 was RMB 558,492 thousand, down from RMB 662,343 thousand in the same period of 2024, reflecting a decrease of 15.7%[43] Governance and Regulation - The board of directors includes executive directors Jing Zailun, Wu Xianming, Chen Shuang, and Liu Peng[50] - The bank is not recognized as an authorized institution under the Banking Ordinance (Cap. 155 of the Laws of Hong Kong) and is not subject to the supervision of the Hong Kong Monetary Authority[50]

Dividends and Shareholder Information - The company reported a cash dividend of RMB 1.60 per 10 shares for common shareholders, totaling a distribution based on the total shares as of the dividend record date[5]. - The company issued dividends totaling RMB 9.31 billion during the reporting period[127]. Financial Performance - Net interest income for 2024 reached RMB 9,873,824 thousand, an increase of 6.38% compared to RMB 9,281,969 thousand in 2023[14]. - Non-interest income increased by 10.67% to RMB 3,540,867 thousand in 2024 from RMB 3,199,382 thousand in 2023[14]. - Total operating revenue for 2024 was RMB 13,414,691 thousand, reflecting a growth of 7.48% from RMB 12,481,351 thousand in 2023[14]. - Pre-tax profit rose by 26.99% to RMB 4,995,129 thousand in 2024, compared to RMB 3,933,397 thousand in 2023[14]. - Net profit for 2024 was RMB 4,404,721 thousand, a 19.97% increase from RMB 3,671,420 thousand in 2023[14]. - The annual operating income for the group was 13.415 billion RMB, reflecting a growth of 7.48%[28]. - Net profit for the year reached 4.405 billion RMB, marking a significant increase of 19.97%[28]. Assets and Liabilities - Total assets as of December 31, 2024, amounted to RMB 689,963,033 thousand, up 13.48% from RMB 607,985,372 thousand at the end of 2023[15]. - Total liabilities reached RMB 645,063,204 thousand, an increase of 13.56% from RMB 568,046,129 thousand in 2023[15]. - Customer loans totaled RMB 340,689,725 thousand, representing a 13.53% increase from RMB 300,089,541 thousand in 2023[15]. - Customer deposits amounted to RMB 432,024,006 thousand, reflecting an 11.91% growth from RMB 386,062,259 thousand in 2023[15]. Capital and Ratios - The core tier 1 capital adequacy ratio improved to 9.11% in 2024, up from 8.42% in 2023, an increase of 8.20%[16]. - The liquidity coverage ratio significantly increased to 203.02% in 2024, compared to 158.11% in 2023, reflecting a 28.38% rise[16]. - The capital adequacy ratio stood at 13.80% as of December 31, 2024, an increase of 1.01 percentage points compared to the previous year[165]. - The net stable funding ratio was 120.31% and the liquidity coverage ratio was 203.02%, both meeting regulatory requirements[163]. Risk Management - The bank's risk management framework has been optimized, enhancing its ability to monitor and manage risks effectively[23]. - The company has established a comprehensive risk monitoring system for group clients, enhancing risk data integration and management[160]. - The company has implemented measures to manage non-performing assets, including enhanced risk monitoring and innovative disposal methods[158]. Digital Transformation and Innovation - The bank's focus on technology innovation has led to a notable increase in loan growth in key sectors such as manufacturing and green finance, surpassing the overall loan growth rate[22]. - The bank is advancing its digital transformation strategy, enhancing data quality and developing a unified digital product management platform[43]. Loan and Deposit Growth - Over 40% growth was recorded in loans for manufacturing, technology, green projects, and agriculture, with new corporate loans exceeding 40 billion RMB[29]. - Retail deposits at year-end totaled 219.80 billion RMB, an increase of 16.64%[29]. - The total customer loan amount reached RMB 340.69 billion, with a non-performing loan (NPL) ratio of 1.14% as of December 31, 2024, compared to 1.18% in the previous year[148]. Financial Investments - Financial investments reached a book value of RMB 255.66 billion, an increase of RMB 29.64 billion or 13.12% compared to the previous year[107]. - The company's financial investments measured at amortized cost amounted to RMB 975.94 billion, reflecting an increase of RMB 448.37 billion or 84.99% year-over-year, enhancing overall revenue stability[114]. Corporate Governance and Compliance - The financial statements for 2024 have been audited by KPMG, confirming their accuracy and completeness[5]. - The board of directors and senior management have confirmed the authenticity and completeness of the annual report[5]. - The company maintained a strong performance in investor relations and information disclosure, receiving the highest rating of A from the Shenzhen Stock Exchange for the fourth consecutive year[46].

证券代码：002948 证券简称：青岛银行 公告编号：2025-014 青岛银行股份有限公司董事会决议公告 特此公告。 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议通过， 同意将其提交董事会审议。本行 2025 年第一季度报告同日在《中国证券报》《上 海证券报》《证券时报》《证券日报》和巨潮资讯网（http://www.cninfo.com.cn/） 披露，供投资者查阅。 二、审议通过了《青岛银行股份有限公司 2025 年一季度第三支柱信息披露 报告》 本议案同意票 14 票，反对票 0 票，弃权票 0 票。 备查文件 1.经与会董事签字并加盖董事会印章的董事会决议； 2.董事会专门委员会审议的证明文件。 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"）于2025年4月14日以电子邮件方 式向董事发出关于召开第九届董事会第十一次会议的通知，会议于2025年4月28 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 ...

丨证券研究报告丨 行业研究丨行业周报丨银行 [Table_Title] 一季报利息净收入回暖，息差降幅收敛 ——银行业周度追踪 2025 年第 16 周 报告要点 [Table_Summary] 本周长江银行指数累计上涨 0.6%，相较沪深 300 指数超额收益 0.2%，相较创业板指数超额收 益-1.4%。近期受市场风险偏好回落影响，避险情绪下，银行板块红利、防御的配置属性上升。 与此同时进入业绩期，上市银行相继披露年报、一季报，主流银行业绩仍然稳定，城商行一季 报业绩超预期，支撑估值向上修复。目前披露一季度业绩的银行看，利息净收入增速回升是核 心亮点，其中重庆银行、南京银行同比大幅增长 28%、18%，源于去年 Q1 基数较低+息差压 力改善+扩表较快，其中息差压力改善源于负债成本加速下行。 分析师及联系人 [Table_Author] 马祥云 盛悦菲 SAC：S0490521120002 SAC：S0490524070002 SFC：BUT916 请阅读最后评级说明和重要声明 %% %% 截至 4 月 25 日，A 股上市银行中 15 家披露 2025 年一季度业绩。营收方面，除两家股份行、 紫金银行、 ...

Core Viewpoint - Qingdao Bank actively responds to national strategies for inclusive finance reform and small and micro enterprise financing, creating a multi-dimensional service model that promotes symbiosis between financial institutions and small enterprises [1] Group 1: Service Response Mechanism - Qingdao Bank has established a three-tier vertical response system involving the head office, municipal branches, and county-level branches, ensuring seamless connection with local government teams [2] - The bank has conducted extensive outreach to businesses and communities, forming a rapid service loop from policy interpretation to quick loan disbursement, resulting in over 20 billion yuan in loans issued [2] Group 2: Digital Empowerment - The bank has expanded data integration and collaboration, creating a dedicated scoring card for technology enterprises based on various metrics, allowing for precise financial services [3] - New loan products tailored for specialized and innovative enterprises have been launched, demonstrating the successful integration of digital technology and finance [3] Group 3: Service Process Innovation - Qingdao Bank is promoting service transformation through the "One Optimization and Three Reductions" initiative, launching the online product "Inclusive e-loan" to streamline the financing process [4] - The online approval process has improved efficiency by 50%, significantly reducing the time required for loan approvals from one week to 2-3 days [4] Group 4: Industry Development Support - The bank has integrated deeply into local industrial layouts, providing supply chain financial services to over 2,800 small enterprises, with a total financing of 4.525 billion yuan since 2025 [5] - Qingdao Bank aims to enhance its financing coordination mechanisms and optimize its product system to provide more precise and efficient financial support for small enterprises [5]

银行板块9股本月创新高 4月24日，银行板块逆市上涨，行业指数收盘涨1.16%，领跑市场，中国银行、农业银行、工商银行股价均创历史新高，收盘分别上涨2.1%、2%、 1.83%。从长线来看，本月以来共有9只银行股盘中股价创历史新高，其中建设银行、交通银行、江苏银行等6股在本周一刷新历史高点。 （原标题："大象股"也疯狂！这个板块密集新高） 本月以来，共有9只银行股盘中突破历史新高，包括工农中建四大国有银行股。去年四季度，银行股业绩明显改善，今年一季度亦有多股报喜。银 行板块现金分红金额有望再创新高，12股年度分红超百亿元。 数据显示，本月以来股价突破历史新高的9只银行股中，5股属于国有大型银行，除工农中建四大行外，交通银行亦上榜。4股属于城商行，包括北 京银行、上海银行、江苏银行、成都银行。创新高的银行股今年以来股价稳健上涨，上海银行年内涨幅达到15.52%，工农中建四大行年内涨幅均 在6%以上。 4月以来，市场行情持续震荡，银行板块作为高股息、低估值的避险资产颇受资金青睐。数据显示，农业银行、宁波银行、中信银行近5日获主力 资金净流入均在1亿元以上，此外工商银行、无锡银行、邮储银行获主力资金净流入超6000 ...

文 ｜ 肖斐斐 胡家俊 彭博 林楠 李鑫 已披露经营情况的6家银行情况看，一季度财务指标和资产质量总体稳健。此外，上周银行板块表 现乐观，核心驱动要素在于市场波动率加大背景下，银行板块受益于其稳定回报和股指权重的两大 优势。展望未来，短期看中美贸易摩擦对市场预期仍有影响，在此背景下低波板块具有配置价值 中期看，在宏观"审慎"和"走弱"的两种假设情形下，银行板块相对于大部分行业而言，基本面具备 相对稳健特征，相对价值显著，建议积极增配。 ▍ 事项： 截至2 0 2 5年4月2 0日，6家上市银行（包含1家大行，3家股份行及2家农商行）已披露2 0 2 5年一季 度业绩或经营情况。 ▍ 一季报汇总：整体稳健，分化延续。 已有6家银行披露业绩或经营预告，整体来看，银行扩表 策略积极，收入增长分化，资产质量稳定。 ▍ 投资观点：关注板块防御属性与确定性价值。 已披露经营情况的6家银行情况看，一季度财务指标和资产质量总体稳健。此外，上周银行板块 表现乐观，核心驱动要素在于市场波动率加大背景下，银行板块受益于其稳定回报和股指权重的 两大优势。展望未来，短期看中美贸易摩擦对市场预期仍有影响，在此背景下低波板块具有配置 价值 ...

Financial Performance - Net interest income for 2024 reached RMB 9,873,824 thousand, an increase of 6.38% compared to RMB 9,281,969 thousand in 2023[7] - Non-interest income rose to RMB 3,540,867 thousand, reflecting a growth of 10.67% from RMB 3,199,382 thousand in the previous year[7] - Total operating income for 2024 was RMB 13,414,691 thousand, up 7.48% from RMB 12,481,351 thousand in 2023[7] - The pre-tax profit increased by 26.99% to RMB 4,995,129 thousand, compared to RMB 3,933,397 thousand in 2023[7] - Net profit attributable to shareholders reached RMB 4,264,120 thousand, marking a 20.16% increase from RMB 3,548,599 thousand in the previous year[7] - Basic earnings per share for 2024 were RMB 0.69, a 21.05% increase compared to RMB 0.57 in 2023[7] - In 2024, the company's net profit reached RMB 4.405 billion, an increase of RMB 733 million, representing a growth of 19.97% compared to the previous year[24] - The company's operating income for 2024 was RMB 13.415 billion, an increase of RMB 933 million, reflecting a growth of 7.48% year-on-year[27] Asset and Liability Management - Total assets as of December 31, 2024, amounted to RMB 689,963,033 thousand, a growth of 13.48% from RMB 607,985,372 thousand at the end of 2023[8] - Total liabilities reached RMB 645,063,204 thousand, up 13.56% from RMB 568,046,129 thousand in the previous year[8] - Total customer deposits increased to RMB 432,024,006 thousand, representing an 11.91% growth from RMB 386,062,259 thousand in 2023[8] - The company's total deposits reached RMB 443.43 billion, an increase of RMB 47.96 billion or 12.13% compared to the end of 2023[78] - Customer deposits (excluding accrued interest) totaled RMB 432.02 billion, up RMB 45.96 billion or 11.91% year-over-year[79] - The company's borrowings from the central bank increased to RMB 28.24 billion, a rise of RMB 10.01 billion or 54.87% from the previous year, reflecting a strategy to diversify funding sources[81] - The total issued bonds amounted to RMB 98.75 billion, an increase of RMB 9.48 billion or 10.62% compared to the end of 2023, driven by the need for low-cost funding[82] Loan and Credit Quality - Customer loans totaled RMB 340,689,725 thousand, reflecting a 13.53% increase from RMB 300,089,541 thousand in 2023[8] - The non-performing loan ratio improved to 1.14% in 2024, down from 1.18% in 2023, a decrease of 3.4%[9] - The provision coverage ratio increased to 241.32% in 2024, compared to 225.96% in 2023, an increase of 6.0%[9] - The total loan amount (excluding accrued interest and impairment provisions) as of the reporting period was RMB 340,689,725 thousand, with a non-performing loan (NPL) total of RMB 38,733 thousand, resulting in an NPL ratio of 1.14%[96] - The proportion of normal loans increased slightly to 98.30% in 2024 from 98.28% in 2023, while the NPL ratio decreased by 0.04 percentage points[98] - The company reported a total of RMB 9.35 billion in loan impairment provisions, an increase of RMB 1.35 billion or 16.88% compared to the previous year[111] - The loan provision coverage ratio improved to 241.32%, up by 15.36 percentage points from the previous year[111] Capital and Risk Management - The company's capital adequacy ratio reached 13.80% as of December 31, 2024, an increase of 1.01 percentage points from the previous year[119] - The core tier 1 capital ratio improved to 9.11%, up by 0.69 percentage points compared to the end of the previous year[119] - The company's net stable funding ratio was 120.31% and the liquidity coverage ratio was 203.02%, both meeting regulatory requirements[117] - The leverage ratio stood at 5.79%, above the regulatory requirement of 4%, but decreased by 0.04 percentage points from the previous year[124] - The company has established a comprehensive risk management system for group clients, focusing on unified credit management and real-time monitoring[113] - The company continues to enhance asset quality through proactive monitoring and management of key industry risks[112] Operational Efficiency and Strategy - The bank aims for high-quality, intensive development while adhering to regulatory requirements and enhancing risk management capabilities[12] - The company aims to enhance comprehensive operational capabilities and accelerate digital transformation as part of its 2023-2025 strategic plan[16] - The company plans to strengthen corporate business and deepen retail operations, focusing on small and medium-sized enterprises[16] - The company is focusing on digital innovation in retail business, enhancing customer experience through new tools and applications[200] - The company has implemented data governance actions to build a data quality control process and monitoring mechanism[200] Customer Engagement and Service - The bank's strategic focus includes enhancing customer service through retail banking, corporate banking, and financial markets[14] - The company's retail banking business generated revenue of RMB 3.63 billion, accounting for 27.07% of total revenue, showing growth from the previous year[89] - The number of retail customers reached 8.6993 million, with a year-on-year increase in new customer efficiency of 3.74%[176] - The bank achieved a net promoter score (NPS) of 80.57%, an increase of 0.08 percentage points year-over-year, reflecting high customer satisfaction[180] - The online customer base reached 1.4566 million monthly active users, enhancing customer engagement through digital channels[177] Awards and Recognition - The company was recognized as a "Top 500 Most Valuable Brands in China" with a brand value of CNY 30.296 billion, ranking 326th, an improvement of 9 positions from last year[20] - The company has been included in the "Asia's Top 500 Brands" list for the 8th consecutive year, ranking 415th[21] - The company received multiple awards in 2024, including the "Outstanding City Commercial Bank" and "Best Practice Case for Listed Company Board of Directors"[23] - The company’s subsidiary Qingyin Wealth Management won the "Bank Wealth Management Company Innovation Award" in 2024[23]