经国家金融监督管理总局青岛监管局和中国人民银行批准，青岛银行股份有 限公司（以下简称"本行"）于近日在全国银行间债券市场成功发行"青岛银行股 份有限公司2025年无固定期限资本债券"（以下简称"本期债券"）。 本期债券于2025年10月24日簿记建档，并于2025年10月28日发行完毕，发行 规模为人民币20亿元。本期债券前5年票面利率为2.45%，每5年调整一次，本行 有权在第5年及之后的每个付息日全部或部分赎回本期债券。 本期债券募集资金将依据适用法律和监管部门的批准，用于补充本行其他一 级资本。 特此公告。 青岛银行股份有限公司董事会 2025 年 10 月 28 日 证券代码：002948 证券简称：青岛银行 公告编号：2025-041 青岛银行股份有限公司 关于2025年无固定期限资本债券发行完毕的公告 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。 ...

Financial Performance - In Q3 2025, Qingdao Bank reported operating income of RMB 3,350,751,000, a decrease of 0.22% year-on-year[5] - The net profit attributable to shareholders of the parent company for Q3 2025 was RMB 927,183,000, an increase of 13.90% year-on-year[5] - The net profit attributable to shareholders of the parent company for the first nine months of 2025 reached RMB 3,991,866,000, reflecting a growth of 15.54% compared to the same period last year[5] - The basic earnings per share for Q3 2025 was RMB 0.12, up by 20.00% year-on-year[5] - The diluted earnings per share for the first nine months of 2025 was RMB 0.65, reflecting an 18.18% increase year-on-year[5] - Net profit attributable to shareholders was CNY 3.99 billion, an increase of CNY 0.54 billion, or 15.54% year-over-year[25] - Operating income reached CNY 11.01 billion, up CNY 0.53 billion, or 5.03% year-over-year[25] - For the nine months ended September 30, 2025, the net profit reached RMB 4,124,770, an increase of 15.8% compared to RMB 3,560,199 for the same period in 2024[55] - The total comprehensive income for the nine months ended September 30, 2025, was RMB 3,468,357, a decrease of 28.1% from RMB 4,819,987 in 2024[57] Assets and Liabilities - Total assets as of September 30, 2025, amounted to RMB 765,571,459,000, representing a year-on-year increase of 10.96%[5] - Total liabilities increased by 11.37% year-on-year, reaching RMB 718,416,730,000 as of September 30, 2025[5] - Total assets reached CNY 765.57 billion, an increase of CNY 75.61 billion, or 10.96% year-over-year[24] - Total liabilities amounted to CNY 718.42 billion, up CNY 73.35 billion, or 11.37% year-over-year[24] - The bank's total liabilities as of September 30, 2025, were RMB 718,416,730 thousand, compared to RMB 645,063,204 thousand as of December 31, 2024, marking an increase of around 11%[48] Equity and Capital Ratios - The total equity attributable to shareholders of the parent company increased by 4.94% year-on-year, reaching RMB 46,103,377,000 as of September 30, 2025[5] - As of September 30, 2025, the capital adequacy ratio is 13.14%, a decrease from 13.80% in 2024[12] - The core tier 1 capital adequacy ratio is 8.75%, down from 9.11% in 2024[16] - The bank's total equity increased to RMB 47,154,729 thousand as of September 30, 2025, from RMB 44,899,829 thousand as of December 31, 2024, reflecting a growth of about 5%[50] Loan and Deposit Activities - The total customer loans amount to 375,298,100 thousand RMB, reflecting a year-on-year increase of 10.16%[13] - The company's loan issuance increased by 9.94% year-on-year, reaching 365,596,432 thousand RMB as of September 30, 2025[13] - The company's total deposits reached 491,151,373 thousand RMB, marking a year-on-year growth of 10.76%[13] - The net increase in customer deposits was RMB 49,702,915, compared to RMB 42,129,640 in the previous year, representing a growth of 17.5%[60] Non-Performing Loans and Risk Management - The non-performing loan ratio stands at 1.10%, slightly improved from 1.14% in 2024[12] - Non-performing loan ratio improved to 1.10%, a decrease of 0.04 percentage points from the end of the previous year[26] - The bank's non-performing loan ratio remained stable, indicating effective credit risk management strategies in place[53] Cash Flow and Investment Activities - The net cash flow from operating activities for the first nine months of 2025 was RMB 13,055,237,000, a decrease of 43.36% year-on-year[11] - The bank's cash and deposits with the central bank decreased to RMB 29,633,285 thousand as of September 30, 2025, from RMB 49,153,266 thousand as of December 31, 2024, a decline of approximately 40%[46] - The cash inflow from investment activities totaled RMB 60,661,244, an increase of 29.0% from RMB 47,020,999 in 2024[62] - The cash outflow from investment activities was RMB 89,315,785, significantly higher than RMB 52,198,219 in the previous year, indicating increased investment activity[62] - The net cash flow from financing activities was RMB 6,760,581, compared to a net outflow of RMB 4,674,714 in 2024, showing a positive shift in financing[62] Shareholder Information - The total number of common shareholders at the end of the reporting period is 46,057[33] - The largest shareholder, Hong Kong Central Clearing (Agent), holds 21.46% of shares, totaling 1,248,808,894 shares[33] - Italian bank Intesa Sanpaolo is the second-largest shareholder with 17.50%, holding 1,018,562,076 shares[33] - Qingdao Guoxin Financial Holdings holds 11.66% of shares, amounting to 678,801,743 shares[33] - Qingdao Haier Industrial Development Co., Ltd. holds 9.15% of shares, totaling 532,601,341 shares[33] - The company plans to increase shareholding by Guoxin Financial Holdings to between 19.00% and 19.99% within six months[38] - As of the end of the reporting period, Guoxin Financial Holdings has cumulatively increased its H shares by 24,178,500, representing 0.42% of total shares[39] - The company has no outstanding preferred shares as of the end of the reporting period[36] - The number of A-share shareholders is 45,914, while H-share shareholders total 143[34] - No changes in the top 10 shareholders due to securities lending activities were reported[35]

青岛银行股份有限公司监事会决议公告 证券代码：002948 证券简称：青岛银行 公告编号：2025-039 青岛银行股份有限公司（以下简称"本行"）于 2025 年 10 月 17 日以电子邮件 方式向监事发出关于召开第九届监事会第十次会议的通知，会议于 2025 年 10 月 28 日以通讯表决方式召开，应参与表决监事 5 名，实际表决监事 5 名。本次会议召开 符合《中华人民共和国公司法》《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 2025 年第三季度报告的议案》 本行及监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。 本议案同意票 5 票，反对票 0 票，弃权票 0 票。 经审核，监事会认为：董事会编制和审核青岛银行股份有限公司2025年第三 季度报告的程序符合法律、行政法规和中国证监会的规定，报告内容真实、准确、 完整地反映本行的实际情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 本行 2025 年第三季度报告同日在《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 ...

二、审议通过了《青岛银行股份有限公司 2025 年三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。 证券代码：002948 证券简称：青岛银行 公告编号：2025-038 青岛银行股份有限公司董事会决议公告 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。 青岛银行股份有限公司（以下简称"本行"）于2025年10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二十次会议的通知，会议于2025年10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《中华人民共和国公司法》《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。会议审议通过了以下议案： 一、审议通过了《关于青岛银行股份有限公司 2025 年第三季度报告的议案》 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议通过， 同意将其提交董事会审议。本行 2025 年第三季度报告同日在《中国证券报》《上 海证券报》《证券时报》《证券日报》和巨 ...

青岛银行公告，第三季度营收为33.51亿元，同比下降0.22%；净利润为9.27亿元，同比增长13.90%。前 三季度营收为110.13亿元，同比增长5.03%；净利润为39.92亿元，同比增长15.54%。 ...

Market Performance - The city commercial bank sector increased by 0.01% compared to the previous trading day, with Xiamen Bank leading the gains [1] - The Shanghai Composite Index closed at 3988.22, down by 0.22%, while the Shenzhen Component Index closed at 13430.1, down by 0.44% [1] Individual Bank Performance - Xiamen Bank's closing price was 7.15, with a rise of 5.46% and a trading volume of 582,400 shares, amounting to a transaction value of 412 million yuan [1] - Chongqing Bank closed at 10.67, up by 2.11%, with a trading volume of 225,000 shares [1] - Chengdu Bank's closing price was 18.11, increasing by 0.84% with a trading volume of 314,100 shares [1] - Other banks such as Changsha Bank, Lanzhou Bank, and Jiangsu Bank showed minimal changes in their stock prices [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 223 million yuan from institutional investors, while retail investors experienced a net outflow of 356 million yuan [2] - The main capital inflow was observed in banks like Nanjing Bank and Chengdu Bank, with significant net inflows from institutional investors [3] - Retail investors showed a negative net flow in several banks, indicating a cautious sentiment among smaller investors [3]

Investment Rating - The investment rating for the industry is "Positive" (maintained) [1] Core Insights - The report highlights that retail non-performing loan (NPL) rates and generation rates are currently high, indicating ongoing pressure on bank profitability. Despite a low overall NPL rate, the retail sector shows signs of risk, with a marginal increase in the NPL rate to 1.28% [14][15] - The transition period for new risk regulations is nearing its end, with concerns about the impact on banks' provisioning levels. However, the report suggests that the actual impact may be less severe than market expectations [16] - The trend of de-collateralization in bank lending is evident, driven by both business characteristics and strategic choices made by banks to reduce reliance on collateralized loans [17] Summary by Sections 1. Retail NPL and Generation Rates - The retail NPL rate has increased to 1.28%, with a steepening curve indicating ongoing risk. The generation rate for retail loans remains high, with significant increases noted in certain banks [14][18] - The report indicates that while the overall NPL rate is low, the divergence between overdue and NPL indicators suggests underlying risks in the retail sector [19] 2. Impact of New Risk Regulations - The new risk regulations will require banks to classify impaired loans as NPLs, potentially increasing reported NPL rates. However, the report anticipates that the actual provisioning pressure may be manageable [16][17] 3. De-Collateralization in Lending - The report notes a significant decline in the proportion of collateralized loans, with banks shifting towards non-collateralized lending strategies. This shift is influenced by the need to manage risk more effectively [17][18] 4. Investment Recommendations - The report recommends certain state-owned banks due to their customer base advantages and manageable retail risk pressures. It also highlights specific banks such as CITIC Bank and Agricultural Bank of China as beneficiaries of this trend [6]

2025年10月24日，青岛银行（002948）发布公告称， 为向您提供更为优质的服务，青岛银行根据信用 卡业务发展需要，对现行《青岛银行信用卡积分商城用户服务协议》及《信用卡积分商城个人信息保护 政策》进行了修订和完善，现发布新版协议及政策，自2025年12月10日生效。 ...

中国经济网北京10月27日讯 国家金融监督管理总局网站近日发布的青岛监管局行政处罚信息公开 表显示，青岛银行股份有限公司青岛西海岸分行及相关责任人以即贷即收方式虚增存贷款规模。 青岛金融监管局对该分行罚没合计518313.83元；对时任该分行崇明岛路支行行长李作勤、井冈山 路支行行长况军分别给予警告处罚。 | 序号 | 当事人名称 | 主要违法违规 | 行政处罚内容 | 作出决定 | | --- | --- | --- | --- | --- | | | | 行为 | 对该分行罚没合计 | 机关 | | 1 | 青岛银行股份 | | 518313.83元;对时 | | | | 有限公司青岛 | 以即贷即收方式 | 任该分行崇明岛路支 | 青岛金融监 | | | 西海岸分行及 | 虚增存贷款规模 | 行行长李作勤、井冈 | 管局 | | | 相关责任人 | | 山路支行行长况军分 | | | | | | 别给予警告处罚 | | （责任编辑：田云绯） 以下为原文： ...

Investment Rating - The report maintains an "Accumulate" rating for the banking sector, indicating a positive outlook despite challenges in the gold market in 2025 [1]. Core Insights - The gold market is expected to present both opportunities and challenges for banks, with a trend towards deepening precious metal business driven by central bank purchases [1][2]. - The demand for gold bars and coins has increased significantly, reflecting a growing need for gold as a hedge and store of value among residents [4]. - The establishment of a market-making system for gold trading is anticipated to enhance market liquidity and stability, positioning listed banks as key players [3][4]. Summary by Sections 1. Policy and Market Environment - As of September 2025, China's official gold reserves reached 74.06 million ounces, marking an increase for 11 consecutive months [2]. - In Q2 2025, global central banks added 166 tons of gold to their reserves, with 95% of surveyed central banks expecting further increases in the next 12 months [2]. - New policies allowing insurance funds to invest in gold are expected to create new opportunities for banks to provide services to insurance institutions, enhancing their intermediary income [2]. 2. Business Dynamics and Revenue Contribution - In the first half of 2025, China's gold consumption was 505.205 tons, a year-on-year decrease of 3.54%, with significant growth in gold bar and coin consumption by 23.69% [4]. - The decline in gold jewelry consumption is prompting banks to shift focus from traditional jewelry sales to investment-oriented precious metal businesses [4]. - The growth in investment demand for gold bars and coins is expected to stabilize income from investment-related businesses, enhancing the profitability of the precious metals segment for banks [4]. 3. Industry Trends - The report highlights a structural shift in gold consumption, with investment demand rising while jewelry demand declines, indicating a need for banks to adapt their business strategies [4]. - The performance of the banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with specific banks like Ningbo Bank and Jiangsu Bank recommended for investment due to positive fundamental changes [8]. 4. Key Data Tracking - The report includes various financial metrics, such as average daily trading volume and margin financing balances, which are essential for assessing market conditions [9][10].