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。 特此公告。 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。 青岛银行股份有限公司董事会 董事會會議通告 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2025年4月28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2025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 2025年4月14日 Bank of Qingdao Co., Ltd.* * H 3866 2025 年 4 月 14 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， ...

Core Viewpoint - The banking industry is experiencing a "winter" characterized by weak credit demand and pressure on wealth management, making double-digit growth rare. However, Qingdao Bank has achieved a notable profit growth of over 20%, standing out among its peers [1][2]. Financial Performance - Among the 35 listed banks that have disclosed their performance for 2024, less than 30% achieved a profit growth of over 10%. Qingdao Bank led the city commercial banks with a 20.16% growth in net profit attributable to shareholders [2]. - Qingdao Bank's revenue composition is representative of the banking industry, with interest and non-interest income contributing 70% and 30% respectively. The net interest income grew by 6.38% due to rapid asset expansion, while non-interest income increased by 13.58% driven by investment gains and high gold prices [2]. Strategic Planning - The new leadership team at Qingdao Bank, which includes experienced professionals from major banks, has implemented a "new three-year strategic plan" focusing on structural adjustments, customer base strengthening, collaboration optimization, and capability enhancement [3][4]. Business Growth - Qingdao Bank has maintained a high growth rate in assets and liabilities, exceeding the average growth of city commercial banks by 4.28 and 4.4 percentage points respectively. Total assets and liabilities grew by 13.48% and 13.56% year-on-year, with loans and deposits increasing by 13.53% and 11.91% [6]. - The bank's corporate loans, which account for over 70% of total loans, are growing at over 20%, significantly contributing to interest income [7]. Sector Focus - The growth in corporate loans is attributed to increased lending to key sectors such as manufacturing, private enterprises, inclusive finance, and technology, with new loans in these areas growing by over 40% [8]. - The bank's corporate and financial market segments contributed 45.84% and 21.58% to revenue, and 55.81% and 21.14% to profit respectively in 2024 [11]. Challenges and Risks - Despite the growth, there are concerns regarding asset quality, with an overall non-performing loan (NPL) ratio decreasing by 0.04 percentage points, but certain sectors like wholesale and retail seeing significant increases in NPLs [13]. - The bank's deposit pricing power is notably weak, with corporate deposits growing at only 7.57% compared to the high growth in corporate loans [15]. Retail Business Development - Qingdao Bank has recognized the importance of retail banking and has made significant strides in this area, achieving a 7.59% and 34.93% growth in revenue and profit respectively, despite a challenging environment for retail banking [17]. - However, the retail business still contributes only 13.51% to overall profit, significantly lower than the corporate and financial market segments [18]. International Business Outlook - The bank's international business, while showing growth in international settlement volumes, faces challenges due to trade frictions and changing external environments. The bank plans to enhance its international business capabilities and adapt to these changes [22][24].

青岛银行日前召开2024年业绩发布会，回应了投资者关心的问题。 2024年财报显示，青岛银行全年实现营业收入134.98亿元，较上年增加10.25亿元，增长8.22%；净利润44.05亿元，较上年增加7.33亿元，增 长19.97%；归属于母公司股东的净利润42.64亿元，较上年增加7.16亿元，增长20.16%。 截至2024年末，客户贷款总额3406.90亿元，较上年末增长13.53%；客户存款总额4320.24亿元，较上年末增长11.91%。 业绩说明会上，青岛银行行长吴显明表示，面对内外部环境变化，2025年将围绕专业提升、数智赋能、体系优化和特色驱动四个方面对银行 的经营指导思想进行调整。在其中的数智赋能方面，他强调，除了提升员工队伍自身的专业能力之外，青岛银行还将积极利用大模型等工 具，为银行的经营发展赋能。净息差下降0.1个百分点，优于行业平均水平 近年来，银行业息差收窄，直接影响商业银行的盈利能力。2024年青岛银行净息差为1.73%，比上年下降0.1个百分点，降幅优于银行业平均 水平。 "其次，在资产端，我们着力优化结构，提升高收益资产在生息资产中的比重，重点是加大贷款的投放力度，围绕'五篇 ...

4月9日，上证指数上涨1.16%，银行板块主力资金净流入9.58亿元，成为当日资金流入前五的行业之 一。然而，在美国新一轮"对等关税"政策落地的背景下，市场对银行股的担忧情绪仍未完全消散。从青 岛银行（002948）"涉美业务影响有限"的表态，到华夏银行（600015）、江苏银行（600919）等多家银 行密集发布股东及高管增持计划，银行板块在复杂环境中呈现出分化与韧性并存的格局。 关税冲击下的区域分化：外贸依存度决定风险敞口 美国加征关税政策对银行业的影响呈现显著的区域分化特征。以青岛银行为例，其2024年国际结算业务 中涉美贸易占比不足10%，且客户已通过拓展新渠道、分摊关税成本等方式缓冲冲击，因此该行明确表 示"业务影响相对有限"。这一结论与部分沿海中小银行形成对比。例如，宁波银行、苏农银行 （603323）等外贸依存度较高的区域性银行，在关税政策落地后股价跌幅超过8%，反映出市场对其资 产质量和信贷增速的担忧。 区域分化的核心逻辑在于经济结构差异。根据2024年财报数据，国有大行及上海银行（601229）等聚焦 内需市场的银行，零售业务占比普遍超过40%，而部分沿海城商行的外贸企业贷款占比高达30%以 ...

本报记者 刘钊 4月9日，青岛银行召开2024年度业绩说明会。会上，青岛银行党委书记、董事长景在伦，行长吴显明等 银行高层针对市场关注的诸多问题进行了深入交流。 2024年，青岛银行集团资产总额达6899.63亿元，较上年末增长13.48%；管理总资产突破9000亿元大 关；经营业绩方面，该行全年实现营业收入134.98亿元，同比增长8.22%；实现归母净利润42.64亿元， 同比增长20.16%，营业收入、归母净利润均创历史新高。 然而，可预见的是2025年银行业将迎来更大挑战，同时这一年又是青岛银行三年战略规划收官之年，也 是该行启动新三年战略规划之年，市场及投资者对其未来发展颇为关注。 过硬综合实力助力高质量发展 "回顾2024年，应该说是充满挑战与机遇的一年，也是青岛银行稳健发展、取得卓越成绩的一年。"景在 伦表示，"过去的一年，我们专注提升金融服务的专业性，强化全面风险防控。在客户基础、业务结 构、盈利能力、资产质量及经营管理等方面都有了显著的提升，高质量发展成效逐步显现。" 《证券日报》记者在会议现场注意到，投资者都十分关心青岛银行的经营优势对其未来发展的影响，在 景在伦看来，青岛银行综合化经营优 ...

4月9日下午，青岛银行（002948.SZ）副行长刘鹏在该行2024年度业绩发布会上回应称，特朗普关税带 来的影响值得关注，该行涉外业务占比相对较低，客户端已经采取应对措施，预计对该行的整体影响有 限。 总体看经营业绩，2024年，青岛银行实现营业收入134.98亿元，比上年增加10.25亿元，增长8.22%；归 母净利润42.64亿元，比上年增加7.16亿元，增幅20.16%。 截至2024年末，青岛银行资产总额达到6899.63亿元，比上年末增加819.78亿元，增幅13.48%。其中， 客户贷款总额3406.90亿元，比上年末增加406.00亿元，增长13.53%。 美"对等关税"对各行业影响备受关注，银行业被认为可能在信贷需求、净息差、资产质量等方面承受额 外压力。 刘鹏表示，"对等关税"短期内会对外贸业务集中的企业带来一定冲击，但长期来看会加速整个产业链的 重组升级，企业出海的需求会加大不会减少。"对商业银行来说,这里面孕育了很多的业务机会。"他 说。 "从结算规模来看，青岛银行涉美贸易占比比较低，涉美业务集中度也很低，且经过前期调研，客户端 已经采取一些应对措施，因此对全行的影响是有限的。"刘鹏表 ...

智通财经记者 | 何柳颖 智通财经编辑 | 王姝 2024年，青岛银行利息收入224.21亿元，比上年增加12.81亿元，增长6.06%，主要是贷款等生息资产规模扩大，抵销资产收益率下行影响，实现利息收入增 长。利息支出125.48亿元，比上年增加6.90亿元，增长5.81%，主要是吸收存款和应付债券等计息负债规模扩大，相应利息支出增长所致。 陈霜表示，为应对息差收窄，青岛银行优化资产结构，提升高收益资产在生息资产中的比重，加大贷款投放力度，对重点地区、优质客群增加信贷投放。 2024年该行客户贷款总额增长406亿，增幅13.53%。 同时，着力压降负债成本，包括做好高成本存款量价管控，引导存款期限结构调整；运用供应链金融、财富管理、现金管理等工具，增加活期存款、结算性 存款占比等。2024年，该行公司存款平均付息率1.71%，同比下降0.16个百分点，零售存款平均付息率2.46%，同比下降0.18个百分点。 资产质量方面，2024年末，青岛银行不良贷款率1.14%，下降0.04个百分点。拨备覆盖率241.32%，比上年末提高15.36个百分点。 按行业划分看，公司类贷款不良率0.87%，同比下降22个基点， ...

Group 1: Financial Performance - Total assets of Qingdao Bank reached approximately 690 billion RMB, with a year-on-year growth of 13.5% [3] - Total loans exceeded 340 billion RMB, growing by 13.5% [3] - Operating income was 13.5 billion RMB, an increase of 8.2% year-on-year [3] - Net profit attributable to shareholders was 4.3 billion RMB, up 20.2% compared to the previous year [3] - Net interest margin was 1.73%, with a slight decrease of 0.10 percentage points [14] Group 2: Customer Base and Structure Optimization - Total corporate clients reached 275,000, growing by 12.18% [4] - Retail customers with debit cards numbered 6.01 million, an increase of 6.05% [4] - High-end retail clients with financial assets over 200,000 RMB reached 427,000, growing by 9.51% [4] - The average interest rate on deposits was 2.08%, down 0.15 percentage points year-on-year [4] Group 3: Asset Quality - Non-performing loan ratio was 1.14%, a decrease of 0.04 percentage points, marking seven consecutive years of decline [5] - Provision coverage ratio improved to 241.32%, an increase of 15.36 percentage points from the previous year [6] Group 4: Strategic Development and Market Position - Qingdao Bank's corporate deposits reached 212.2 billion RMB, growing by 7.6% [6] - The bank's average cost of corporate deposits was 1.71%, down 0.16 percentage points [6] - The bank's debt financing tool issuance reached 98.2 billion RMB, with an underwriting amount of 48.1 billion RMB, increasing by 59.8% [17] Group 5: Future Outlook and Strategic Focus - The bank aims to enhance its professional capabilities, focusing on high-quality development and strategic planning for 2025 [11] - Emphasis on risk management and asset quality improvement, particularly in credit card and small business loans [19] - Plans to leverage artificial intelligence for operational efficiency and customer service enhancement [22]

Group 1: Financial Performance - Total assets increased from RMB 608 billion in 2023 to RMB 690 billion in 2024, a growth of 13.5% [6] - Total deposits rose from RMB 386.1 billion in 2023 to RMB 432 billion in 2024, an increase of 11.9% [6] - Total loans grew from RMB 300.1 billion in 2023 to RMB 340.7 billion in 2024, marking a 13.5% increase [6] - Operating income increased from RMB 12.5 billion in 2023 to RMB 13.5 billion in 2024, an 8.2% rise [10] - Net profit attributable to shareholders rose from RMB 3.5 billion in 2023 to RMB 4.3 billion in 2024, a growth of 20.2% [11] - Return on Equity (ROE) improved from 8.95% in 2022 to 11.51% in 2024 [12] Group 2: Customer Base and Structure Optimization - The proportion of high-end retail customers increased, with 427,000 high-end retail clients, up by 9.51% [15] - The number of corporate clients reached 275,000, an increase of 12.18% [15] - The number of debit card customers grew to 6.01 million, a rise of 6.05% [15] - The deposit interest rate was adjusted to 2.08%, a decrease of 0.15 percentage points [15] Group 3: Asset Quality Improvement - Provision coverage ratio increased from 197.42% in 2021 to 241.32% in 2024 [18] - Non-performing loan ratio decreased from 1.34% in 2021 to 1.18% in 2024 [19] - The combined non-performing and attention loan ratio fell from 2.37% in 2021 to 1.70% in 2024 [20] - The risk compensation capability has been enhanced year by year [21] Group 4: Group Synergy and Diversified Development - Corporate loans (including discounts) increased from RMB 221 billion in 2023 to RMB 262.4 billion in 2024, a growth of 7.6% [24] - Retail loans grew from RMB 103 billion in 2023 to RMB 110 billion in 2024, a rise of 7.0% [27] - Asset management scale reached RMB 1,450 billion, with public fund custody at RMB 326 billion [30] - The leasing business saw total assets rise from RMB 17.9 billion in 2023 to RMB 18.6 billion in 2024, a 3.9% increase [33] Group 5: Strategic Outlook - The year 2025 marks the conclusion of the three-year strategic plan, focusing on professional enhancement, digital empowerment, system optimization, and distinctive driving [37] - Emphasis on high-quality development and practical execution to meet stakeholder expectations [37]

Core Viewpoint - Qingdao Bank held its 2024 performance briefing on April 9, showcasing its commitment to high-quality development and strategic planning for the future [1][2] Group 1: Performance and Strategy - The bank aims to complete its three-year strategic plan by 2025 and initiate a new three-year strategic planning process [1] - Qingdao Bank emphasizes enhancing its capabilities in five areas: professionalization, digital intelligence, systematization, differentiation, and specialization [1] Group 2: Management and Communication - Chairman Jing Zailun expressed gratitude to stakeholders and highlighted the bank's focus on political and people-oriented financial work [1] - President Wu Xianming provided a comprehensive summary of the bank's operational performance, customer base, business structure, asset quality, and group synergy [2] - The event facilitated in-depth communication between investors, media, and the bank's management, enhancing the understanding and recognition of Qingdao Bank [2]