Group 1 - Qingdao Bank has received recognition for its innovation in supply chain finance, winning two awards in the 2024 Qingdao Financial Innovation Evaluation [1] - The bank was awarded the "Outstanding Financial Institution for Promoting Supply Chain Finance Development - Innovation Service Award" by the People's Bank of China Qingdao Branch [1] - The bank's self-designed "Online Supply Chain Financial Comprehensive Service Plan Project" won the third prize in the municipal financial innovation achievement incentive [1] Group 2 - Qingdao Bank has tailored a supply chain financing solution for a national-level agricultural industrialization leading group, addressing financing challenges due to the geographical dispersion of upstream suppliers [2] - The collaboration with the agricultural group serves as a benchmark project for the bank's deep engagement in modern agricultural full industry chain financial services [2] - By 2025, the bank has provided over 800 million yuan in funding support through supply chain financial solutions, focusing on the "feed production - breeding" segments [2] Group 3 - The bank aims to continue integrating financial technology with industry scenarios to enhance the quality of its supply chain finance business [2] - Qingdao Bank is committed to improving the comprehensive effectiveness and professional level of its services to the real economy [2]

Core Insights - Qingdao Bank has revealed its financial market business investment strategy and credit asset quality for the second half of 2025 during an investor relations event [1][2] Group 1: Financial Market Business Investment Strategy - In the first half of 2025, Qingdao Bank enhanced monitoring of financial investment scale and returns, effectively responding to bond market fluctuations, resulting in a year-on-year increase of 16.37% in non-interest income from financial markets, totaling 1.51 billion yuan [2] - The bank plans to optimize investment trading strategies, strengthen market analysis, and improve asset investment efficiency while ensuring alignment between liabilities and assets [2] - The focus will be on preventing market risks, primarily through standardized fixed-income bond investments, and enhancing the "light capital" advantage of the financial investment sector by increasing investments in low-capital-consuming products like commercial bank bonds and asset-backed securities [2] Group 2: Credit Asset Quality - Qingdao Bank's credit asset quality improved by 11.48 percentage points compared to the beginning of the year, maintaining a positive trend in asset quality indicators [2] - The bank will continue to strengthen control over credit asset quality, solidify credit approval foundations, and promote the transformation of credit asset structures while adjusting risk response strategies as needed [2] - Future efforts will focus on supporting the high-quality economic development of Shandong Province and Qingdao City, enhancing service capabilities for the real economy, and maintaining stable and improving asset quality [2]

编号：2025-11 | | √特定对象调研 □分析师会议 | | --- | --- | | 投资者关系 | □媒体采访 □业绩说明会 | | 活动类别 | □新闻发布会 □路演活动 | | | □现场参观 □其他： | | 参与单位名称 | 西部证券 孙寅、周安桐、程宵凯，国泰基金 王韶怀，平安 | | 及人员姓名 | 养老 郭松 | | 时间 | 年 月 日（星期四）14:00-15:00 2025 9 18 | | 地点 | 青岛银行股份有限公司总行 6 楼会议室 | | 上市公司接待 | 本行高管、相关部门负责人及工作人员 | | 人员姓名 | | | | 1.青岛银行下半年金融市场业务投资策略如何? | | | 答：上半年，本行加强金融投资规模与收益监控，有效 | | | 应对债市波动，实现了金融市场非息收入的同比增长。2025 | | | 年上半年，投资收益和公允价值变动损益合计 15.10 亿元， | | | 同比增加 2.12 亿元，同比增长 16.37%。下一步，本行将持 | | | 续优化投资交易策略，加强市场研判，精确择时，灵活调仓， | | 投资者关系活 动主要内容 | 提升资产投资 ...

| 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入(元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601009 南京银行 | | -4086.56万 | 7.25% | -3889.05万 | -6.90% | -197.51万 | -0.35% | | 601229 | 上海银行 | 2646.11万 | 3.54% | 1670.36万 | 2.23% | -4316.47万 | -5.77% | | 001227 兰州银行 | | 2543.06万 | 9.78% | -1470.95万 | -5.66% | -1072.11万 | -4.12% | | 601665 齐鲁银行 | | 2024.12万 | 3.92% | 1170.13万 | 2.27% | -3194.25万 | -6.19% | | 600928 西安银行 | | 1098.84万 | 5.91% | -129.18万 | -0.70% | -969.66万 | -5.22% | | ...

Group 1 - Qingdao Bank's stock price decreased by 2.01% on September 18, trading at 4.87 CNY per share with a total market capitalization of 28.345 billion CNY [1] - The bank's main business segments include corporate banking (47.29%), financial market business (26.27%), retail banking (21.87%), and other unallocated projects (4.57%) [1] - Year-to-date, Qingdao Bank's stock price has increased by 30.91%, but it has seen a decline of 6.70% over the last five trading days, 4.13% over the last 20 days, and 7.77% over the last 60 days [1] Group 2 - As of June 30, the number of shareholders of Qingdao Bank reached 51,100, an increase of 0.51% from the previous period [2] - For the first half of 2025, Qingdao Bank reported a net profit of 3.065 billion CNY, representing a year-on-year growth of 16.05% [2] - 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 last three years [3]

Group 1 - Several city commercial banks in A-shares have seen significant share buybacks amid stock price corrections [1][2] - Qilu Bank announced a plan for its directors and senior management to buy back shares worth no less than 3.5 million yuan between September 16, 2025, and December 31, 2025 [1] - Suzhou Bank's directors and senior management plan to buy back shares worth at least 4.2 million yuan from September 8, 2025, to December 31, 2025, reflecting confidence in the bank's future [1] Group 2 - Major shareholders of several city commercial banks are also increasing their stakes [2] - Qingdao Bank's major shareholder plans to buy between 233 million and 291 million shares, raising their total stake to between 19% and 19.99% [2] - Nanjing Bank's major shareholder increased their stake from 12.56% to 13.02% by acquiring 56.78 million shares [2] Group 3 - Chengdu Bank's controlling entities increased their holdings by 4.77 million and 4.36 million shares, with total investments of approximately 87 million yuan and 79.6 million yuan respectively [3] - As of September 17, only four out of 42 A-share listed banks showed a price increase over the past 60 days, while the majority experienced declines, with some city commercial banks dropping over 10% [3]

【导读】青岛银行地方国资股东启动增持计划，增持该行H股58.25万股 中国基金报记者 马嘉昕 青岛银行公告称，本次增持后，国信产融持有青岛银行股份约6.55亿股，占该行股份总数的 11.26%。国信产融及其一致行动人合计持有青岛银行股份约8.73亿股，占该行股份总数的 15%。 半月前，青岛银行曾披露国信产融的增持计划。9月2日的公告显示，国信产融计划通过二级 市场交易方式增持青岛银行，增持后合计持股比例在19.00%至19.99%之间，拟增持该行股 份的数量不少于2.33亿股，且不超过2.91亿股；此次增持计划实施期限自公告披露之日起六 个月内完成。 若国信产融完成此次增持，青岛银行的股权结构将发生重大调整，地方国资对该行持股比例 上升并占据主导位置。 作为自2001年起便位居青岛银行第一大股东的海尔集团将退居第二大股东，目前海尔集团通 过旗下多家企业合计持有该行10.56亿股A股，占该行总股份的18.14%；增持计划完成后， 国信产融则将跃升为第一大股东；作为外资股东的代表意大利联合圣保罗银行则以17.5%的 持股比例位列该行第三大股东。 公开资料显示，国信产融是青岛市重要的国有资产投资控股平台，负责经营 ...

Core Viewpoint - A surge in bank stock buybacks has been observed, driven by strong fundamentals in the banking sector, with over 60% of listed banks reporting growth in both revenue and net profit in the first half of 2025 [1][7]. Group 1: Bank Buybacks - Multiple banks, including Everbright Bank, Nanjing Bank, Huaxia Bank, and Suzhou Bank, have announced significant share buybacks by major shareholders and management [1][2][3][4]. - Everbright Bank's major shareholder plans to increase its stake by investing between 50 million to 100 million yuan, while Nanjing Bank's major shareholder increased its stake by 5677.98 million shares, raising its ownership from 12.56% to 13.02% [2][3]. - Huaxia Bank's management completed their buyback plan ahead of schedule, acquiring shares worth 3190.2 million yuan, exceeding the planned minimum by 106.34% [3]. Group 2: Financial Performance - In the first half of 2025, 42 listed banks reported a total revenue of 2.92 trillion yuan and a net profit of approximately 1.1 trillion yuan, with 26 banks achieving growth in both metrics [7]. - The banking sector has seen improvements in asset quality and net interest margins, contributing to a positive outlook for future growth [4][8]. Group 3: Market Sentiment and Investment Value - The buyback activities are seen as a vote of confidence from shareholders and management regarding the banks' long-term investment value and future prospects [4][5]. - Analysts suggest that the recent buybacks and the overall performance of bank stocks indicate a recovery in valuations, with many banks announcing mid-term dividend plans, enhancing their investment appeal [7][8]. Group 4: Long-term Trends - The banking sector is undergoing a significant transformation, shifting from traditional growth models to a focus on quality and resilience, which is expected to enhance capital efficiency and increase non-interest income [9]. - This transformation is likely to position bank stocks as a balanced defensive and income-generating asset in investment portfolios, particularly in a low-interest-rate environment [9].

北京商报讯（记者 宋亦桐）9月16日，青岛银行发布公告指出，该行于2025年9月15日收到青岛国信产 融控股（集团）有限公司（以下简称"国信产融控股"）出具的《关于增持青岛银行股份有限公司股份的 告知函》和《简式权益变动报告书》。 据悉，国信产融控股于2025年9月15日通过港股通渠道增持青岛银行H股股份58.25万股，占该行股份总 数的0.01%。本次增持后，国信产融控股持有青岛银行股份约6.55亿股，占该行股份总数的11.26%。国 信产融控股及其一致行动人合计持有青岛银行股份约8.73亿股，占该行股份总数的15.00%，权益变动合 计数触及5%整数倍。 ...

青岛银行（002948）(03866)公布，该行于2025年9月15日收到青岛国信产融控股(集团)有限公司(以下简 称"国信产融控股")出具的《关于增持青岛银行股份有限公司股份的告知函》和《简式权益变动报告 书》。国信产融控股于2025年9月15日通过港股通渠道增持该行H股股份58.25万股，占该行股份总数的 0.01%。本次增持后，国信产融控股持有该行股份655,205,743股，占该行股份总数的11.26%。国信产融 控股及其一致行动人合计持有本行股份873,053,673股，占该行股份总数的15.00%，权益变动合计数触 及5%整数倍。 ...