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公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 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 2025年9月26日 Bank of Qingdao Co., Ltd.* 青 島 銀 行 股 份 有 限 公 司 * （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （H股股份代號：3866） 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條作出。 如下公告已於深圳證券交易所網站刊登，僅供參閱。 特此公告。 於本公告日期，董事會包括執行董事景在倫先生、吳顯明先生、陳霜女士及 劉鵬先生；非執行董事周雲傑先生、Rosario Strano先生、譚麗霞女士、Giamberto Giraldo先生及鄧友成先生；獨立非執行董事邢樂成先生、張旭先生、張文礎先 生、杜寧先生及范學軍先生。 * 青島銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可機構，並不受 限於 ...

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公告之內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 Bank of Qingdao Co., Ltd.* * H 3866 於2025年9月26日舉行之2025年第一次臨時股東大會、 2025年第一次A股類別股東大會及 2025年第一次H股類別股東大會 投票表決結果 青島銀行股份有限公司（「本行」）欣然宣佈本行於2025年9月26日（星期五）上午9時正於中 國山東省青島市嶗山區秦嶺路6號依次舉行2025年第一次臨時股東大會（「臨時股東大 會」）、2025年第一次A股類別股東大會（「A股類別股東大會」）及2025年第一次H股類別股 東大會（「H股類別股東大會」）（統稱「該等會議」）。該等會議採用現場投票（適用於本行A 股股東及H股股東）與網絡投票（僅適用於本行A股股東）相結合的方式召開。 茲提述本行日期為2025年9月8日的通函（「通函」）。除文義另有所指外，本公告所用的詞 彙與通函所界定者具有相同涵義。 該等會議出席情況 出席臨時股東大會的股東及授權代表 ...

2025 年第一次临时股东大会、 2025 年第一次 A 股类别股东大会及 2025 年第一次 H 股类别股东大会决议公告 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。 特别提示： 证券代码：002948 证券简称：青岛银行 公告编号：2025-037 青岛银行股份有限公司 （一）召开时间 1.现场会议召开时间：2025年9月26日（星期五） 2.网络投票时间：通过深圳证券交易所交易系统进行网络投票的时间为 2025 年 9 月 26 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 2025 年 9 月 26 日 9:15-15:00。 （二）会议地点：山东省青岛市崂山区秦岭路 6 号青岛银行总行 1.2025年第一次临时股东大会、2025年第一次A股类别股东大会及2025年第 一次H股类别股东大会（以下合称"本次股东大会"）均无否决提案的情形。 2.本次股东大会均不涉及变更以往股东大会已通过的决议。 一、会议召开情况 （三）召开方式：采取现场投票与网络投票相结合的方式 （四）召集人：青岛银行股份有限公 ...

Core Viewpoint - The banking sector is experiencing a rise in stock prices despite market conditions, driven by recent adjustments in deposit rates by local small and medium-sized banks to alleviate pressure on their liabilities and improve net interest margins [1] Group 1: Stock Performance - Chongqing Rural Commercial Bank (03618) increased by 4.62%, reaching HKD 6.12 [1] - Qingdao Bank (03866) rose by 1.88%, reaching HKD 4.34 [1] - China Construction Bank (00939) saw a 1.1% increase, reaching HKD 7.38 [1] - Bank of China (03988) grew by 0.96%, reaching HKD 4.21 [1] Group 2: Deposit Rate Adjustments - Since September, the number of local small and medium-sized banks reducing deposit rates has been increasing [1] - On September 25, several banks, including Henan Luoyang Rural Commercial Bank, announced reductions in RMB deposit rates, with the maximum cut reaching 35 basis points [1] - The purpose of these adjustments is to alleviate pressure on the liability side and mitigate the negative impact of narrowing net interest margins [1] Group 3: Market Outlook - China Galaxy Securities indicates that the adjustment of the 14-day reverse repurchase operation aims to enhance the position of the 7-day reverse repurchase policy rate, improving liquidity management precision [1] - The benefits for small and medium-sized banks from these changes are expected to be less significant compared to larger banks [1] - Continued positive factors in the banking fundamentals, along with increased consumer policies, suggest potential mid-term performance improvements and a possible turning point [1] - The focus remains on the effectiveness of policies, retail business demand, risk improvement, and reform measures [1] - The institution maintains a positive outlook on the banking sector's valuation and continues to recommend investment in this area [1]

Core Viewpoint - The issuance of technology innovation bonds (科创债) has gained momentum among city commercial banks, with a total issuance amount of 12.9 billion yuan in September alone, indicating strong market demand and support from policies [1][2][3]. Group 1: Issuance Details - Ten banks, primarily city commercial banks, have issued a total of 12.9 billion yuan in technology innovation bonds as of September 25, with maturities of five years and coupon rates ranging from 1.84% to 2.03% [2][3]. - Qingdao Bank successfully issued 1 billion yuan in technology innovation bonds with a coupon rate of 1.87%, aimed at supporting technology innovation businesses [2][3]. - Chongqing Three Gorges Bank's technology innovation bond saw a subscription multiple of 2.87, leading to a total issuance of 2.5 billion yuan, exceeding its initial plan [2][3]. Group 2: Market Dynamics - The primary market for technology innovation bonds is characterized by strong policy support, rapid expansion, high credit ratings of issuers, and favorable coupon rates compared to traditional bonds [3][4]. - Since the announcement by the central bank and the securities regulatory authority in May, the issuance of technology innovation bonds by financial institutions has surged, with commercial banks issuing a total of 261.5 billion yuan [3][4]. Group 3: Benefits for Banks - Issuing technology innovation bonds allows small and medium-sized banks to lower financing costs and improve their liability duration structure, reducing reliance on short-term funding [4][5]. - These banks can provide flexible and targeted financial support for local technology projects, enhancing the efficiency of fund utilization in the technology sector [4][5].

Core Insights - The issuance of technology innovation bonds (科创债) has been increasing, with banks being the main issuers, particularly state-owned and regional banks [1][2] - Regional banks are focusing on long-term bonds with higher interest rates to support local technology enterprises and enhance their market presence [2] - The total issuance of technology innovation bonds in the Shanghai Stock Exchange has reached 1.4 trillion yuan, with a year-on-year growth of nearly 70% [2] Group 1: Issuance Trends - The technology innovation bond market has seen significant participation from various banks, including regional banks, which are actively entering the market [1] - Recent issuances include Chongqing Sanxia Bank's 20 billion yuan bond and Qingdao Bank's 10 billion yuan bond, both with a 5-year term [1] - The issuance scale of regional banks typically ranges from 1 billion to 3 billion yuan [1] Group 2: Funding Utilization - The funds raised from technology innovation bonds are primarily directed towards supporting high-tech enterprises in sectors like information technology and advanced manufacturing [2] - Regional banks are leveraging these bonds to stabilize funding costs and attract specific investor groups [2] Group 3: Market Outlook - The technology innovation bond market is expected to continue growing, with a favorable policy environment and increasing market demand [3] - The introduction of technology innovation bond ETFs has improved liquidity, making the market more attractive for conservative investors [3]

Market Performance - The city commercial bank sector declined by 0.94% on September 25, with Chongqing Bank leading the decline [1] - The Shanghai Composite Index closed at 3853.3, down 0.01%, while the Shenzhen Component Index closed at 13445.9, up 0.67% [1] Individual Stock Performance - Chongqing Bank closed at 8.94, down 1.65% with a trading volume of 170,700 shares and a transaction value of 153 million [1] - Other notable declines include Xi'an Bank down 1.50% to 3.95, Zhengzhou Bank down 1.48% to 2.00, and Qingdao Bank down 1.44% to 4.78 [1] - Shanghai Bank and Xiamen Bank also saw declines of 1.43% and 1.39%, respectively [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 278 million from institutional investors, while retail investors saw a net inflow of 152 million [1] - The table indicates that Suzhou Bank had a significant net outflow from institutional investors of 48.08 million, while Qilu Bank had a net inflow of 25.86 million [2] - Chongqing Bank specifically had a net outflow of 5.68 million from institutional investors but a net inflow of 10.91 million from retail investors [2]

Core Insights - Qingdao Bank has been recognized in the 2025 Asia Brand 500 list, marking its ninth consecutive year on the list, with a ranking improvement of 7 places to 408, indicating a sustained enhancement in brand value [2] - The bank's strategy focuses on "multi-dimensional innovation + local deep cultivation," integrating brand building into regional development through cross-industry collaborations such as "finance + sports" and "finance + arts" [2] - Qingdao Bank has established itself as a key player in supporting the real economy, with significant advancements in blue finance, green finance, technology finance, and inclusive finance [5] Brand Value and Recognition - Qingdao Bank's brand value reached 36.236 billion yuan, successfully transitioning from a city financial brand to a vibrant regional brand [2] - The bank has been included in the "China's 500 Most Valuable Brands" list for nine consecutive years, reflecting its strong market presence and brand recognition [2] Financial Performance and Innovations - As of June, the bank's blue loan balance was 19.226 billion yuan, a year-on-year increase of 14.56%, while green credit reached 51.609 billion yuan, up 38.18% from the beginning of the year [5] - The bank's inclusive loan balance stood at 48.796 billion yuan, growing by 8.22% year-to-date, showcasing its commitment to addressing financing challenges for small and micro enterprises [5] Structural and Risk Management - Qingdao Bank has adopted a "one body, two wings" structure, with Qingyin Wealth Management and Qingyin Financial Leasing as extensions to enhance comprehensive services [6] - The bank's non-performing loan ratio decreased to 1.12%, with a provision coverage ratio of 252.8%, indicating improved asset quality and risk management [6] - The ongoing digital transformation and big data risk control are enhancing service precision and positioning the bank as a collaborative solution provider [6] Strategic Development - The bank's ascent in the Asia Brand 500 rankings is attributed to its long-term strategy of "deep cultivation in the region, serving the real economy, and co-creating brand value," providing a replicable development model for regional banks in China and Asia [6]

Core Viewpoint - Qingdao Bank's stock price has experienced fluctuations, with a year-to-date increase of 27.69% but recent declines in the short term [2] Group 1: Stock Performance - On September 25, Qingdao Bank's stock fell by 2.06%, trading at 4.75 CNY per share with a total market capitalization of 27.647 billion CNY [1] - The stock has seen a decline of 1.86% over the last five trading days, 2.26% over the last 20 days, and 6.31% over the last 60 days [2] Group 2: Financial Metrics - As of June 30, Qingdao Bank reported a net profit of 3.065 billion CNY for the first half of 2025, representing a year-on-year growth of 16.05% [2] - The bank's revenue composition includes 47.29% from corporate banking, 26.27% from financial market operations, 21.87% from retail banking, and 4.57% from other sources [2] Group 3: Shareholder Information - As of June 30, the number of shareholders increased to 51,100, with an average of 61,038 shares held per shareholder, a decrease of 0.50% from the previous period [2] Group 4: Dividend Distribution - Since its A-share listing, Qingdao Bank has distributed a total of 6.341 billion CNY in dividends, with 2.794 billion CNY distributed over the past three years [3]