证券代码：002948 证券简称：青岛银行 公告编号：2024-029 青岛银行股份有限公司 关于召开 2024 年第一次临时股东大会的通知 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"）2024年第一次临时股东大会（以下 简称"本次股东大会"）定于2024年10月14日召开，会议有关事项通知如下： 一、召开会议基本情况 （一）股东大会届次：2024年第一次临时股东大会 （六）会议的股权登记日：2024年9月30日（星期一） 1 （七）出席对象： （二）股东大会的召集人：本行董事会，本行第九届董事会第四次会议审议通 过了关于召开青岛银行股份有限公司2024年第一次临时股东大会的议案。 （三）会议召开的合法、合规性：本次股东大会的召开符合有关法律、行政法 规、部门规章、规范性文件、深圳证券交易所业务规则和公司章程等的规定。 （四）会议召开的日期、时间 1.现场会议：2024年10月14日（星期一）上午9:00开始 2.网络投票：通过深圳证券交易所交易系统进行网络投票的时间为2024年10月 14日9:15-9:25，9:30 ...

%% %% 丨证券研究报告丨 公司研究丨点评报告丨青岛银行（002948.SZ ） [Table_Title] 效益优先全面体现，资产质量持续改善 ——青岛银行跟踪点评 | --- | --- | |--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------| | 报告要点 | | | [Table_Summary] 青岛银行迈入效益提升、盈利上行的新周期，得益于管理层清晰的新三年战略规划。通过优化 资产负债结构、稳定净息差、持续改善资产质量、信用成本下行等路径，保持业绩增速及 趋势在行业中具备相对优势。基于 | | | 充分体现基本面变化，重点推荐，维持"买入"评级。 | | 分析师及联系人 [Table_Author] 马祥云 盛 ...

证券代码：002948 证券简称：青岛银行 1 青岛银行股份有限公司投资者关系活动记录表 编号：2024-13 | --- | --- | --- | |-----------------------|-------------------------------------------------------|--------------------------------------------------------| | 投资者关系 \n活动类别 | √特定对象调研 \n□ 媒体采访 \n□新闻发布会 \n□ 现场参观 | □ 分析师会议 \n □业绩说明会 \n □路演活动 \n □其他： | | 参与单位名称 | | | | 及人员姓名 | 国泰基金 | 王韶怀，泰康基金 吴晓月 | | | | | | 时间 | 2024 年 9 月 6 | 日（星期五） 14:00-15:30 | | 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 | | | | 人员姓名 | | 本行高管、相关部门负责人及工作人员 | | | | | | | 起自身独特的竞争优势。 | | | | ...

证券代码：002948 证券简称：青岛银行 青岛银行股份有限公司投资者关系活动记录表 编号：2024-12 | --- | --- | --- | |-------------------------|---------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------| | 投资者关系 \n活动类别 | □ 特定对象调研 \n□ 媒体采访 \n□ 新闻发布会 \n□ 现场参观 | □ 分析师会议 \n√ 业绩说明会 \n□ 路演活动 \n□ 其他： | | 参与单位名称 及人员姓名 | 投资者网上提问 | | | | | | | 时间 | 2024 年 9 月 5 | 日（星期四） 15:00-16:00 | | 地点 | 网络远程的方式召开 | ...

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 2024 年 9 月 2 日 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2024年8月31日 狀態: 新提交 FF301 本月底法定/註冊股本總額： RMB 5,820,354,724 第 1 頁 共 10 頁 v 1.1.0 FF301 II. 已發行股份及/或庫存股份變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | 是 | | | --- | --- | --- | --- | --- ...

(净利亮眼,息差环比企稳 青岛银行 2024 年半年度报告业绩点评 核心观点 市场数据 2024-08-29 股票代码 002948 A 股收盘价(元) 3.24 上证指数 2823.11 总股本(万股) 582035.47 实际流通 A 股(万股) 310992.01 流通 A 股市值(亿元) 100.76 ● ● 营收净利延续高增，盈利能力提高：2024H1，公司实现营业收入 71.28 亿 元,同比增长 11.98%;归母净利润 26.41 亿元,同比增长 13.07%;加权平均 5.09%,归母净利润同比增长 9.44%。公司业绩延续较快增长,盈利能力提高, 主要由规模平稳扩张、非息收入高增贡献。 息差环比企稳,扩表动能较强:2024H1,公司利息净收入 47.79亿元,同比 增长 5.98%;净息差 1.77%,与一季度持平,较上年末下降6BP,息差环比企 稳。2024H1公司生息资产收益率、付息负债成本率分别为4.07%、2.25%, 分别较上年末下降10、7BP,其中,贷款收益率、存款成本率分别为 4.72%、 2.13%,分别较上年末下降 13、10BP。截至 6月末,公司各项贷款较上年末 增 ...

公司研究 规模扩张强度不减，业绩保持双位数高增 ——青岛银行（002948.SZ）2024 年中报点评 买入（维持） 当前价：3.24 元 作者 分析师：王一峰 执业证书编号：S0930519050002 010-57378038 wangyf@ebscn.com 分析师：赵晨阳 执业证书编号：S0930524070005 010-57378030 zhaochenyang@ebscn.com 市场数据 | --- | --- | |---------------------|-----------| | 总股本(亿股) | 58.20 | | 总市值(亿元)： | 188.58 | | 一年最低/最高(元)： | 2.79/3.69 | | 近 3 月换手率： | 90.66% | 股价相对走势 资料来源：Wind 收益表现 | --- | --- | --- | --- | |-------|-------|-------|-------| | % | 1M | 3M | 1Y | | 相对 | 2.16 | 1.35 | 16.53 | | 绝对 | -0.92 | -7.70 | 3.24 | 资料来 ...

Investment Rating - The investment rating for Qingdao Bank is not explicitly stated in the provided content, but the report indicates a positive outlook on the bank's performance and growth potential [1]. Core Insights - Qingdao Bank reported a revenue of 7.128 billion yuan for the first half of 2024, representing a year-on-year growth of 11.98%. The net profit attributable to shareholders was 2.641 billion yuan, up 13.07% year-on-year [1]. - The bank's total assets reached 654 billion yuan, with a year-on-year increase of 15.1%, and the total loan amount was 324.4 billion yuan, growing by 12.3% [1]. - The bank's net interest margin stood at 1.77%, with non-interest income increasing significantly by 26.58% year-on-year, driven by investment income and fair value changes [1][2]. - The non-performing loan ratio decreased to 1.17%, indicating improved asset quality, while the provision coverage ratio increased to 243% [1][5]. Financial Performance Summary - For the first half of 2024, Qingdao Bank's net interest income grew by 6.0%, and non-interest income reached 2.35 billion yuan, with a notable increase in fee and commission income by 46.40% [1]. - The bank's core Tier 1 capital adequacy ratio improved to 9.07%, reflecting enhanced capital management and profit retention [1][5]. - The forecast for net profit growth is 12.1% for 2024, 9.5% for 2025, and 10.2% for 2026, with expected EPS of 0.68 yuan, 0.75 yuan, and 0.82 yuan respectively [2][3]. Key Financial Metrics - Total revenue for 2024 is projected to be 13.41 billion yuan, with a year-on-year growth rate of 7.52% [3]. - The bank's loan growth is expected to be 11.00% in 2024, with total loans reaching approximately 333.1 billion yuan [9]. - The bank's price-to-earnings ratio (P/E) is projected to decrease from 5.32 in 2023 to 4.33 in 2025, indicating potential undervaluation [9].

Financial Overview - The bank's financial report for the first half of 2024 was reviewed and approved by all 14 attending directors at the board meeting held on August 28, 2024[3]. - The report period covers from January 1, 2024, to June 30, 2024[11]. - The financial data and indicators in the report are prepared according to Chinese accounting standards and represent consolidated financial statements[17]. - The bank's financial report has been reviewed by KPMG Huazhen and KPMG according to Chinese and international review standards[3]. - The bank's management has confirmed the accuracy and completeness of the financial report[3]. Profit and Income - Net interest income for the first half of 2024 reached RMB 4,778,993 thousand, an increase of 5.98% compared to RMB 4,509,411 thousand in the same period of 2023[18]. - Non-interest income increased by 26.58% to RMB 2,349,092 thousand from RMB 1,855,867 thousand year-over-year[18]. - Total operating income rose by 11.98% to RMB 7,128,085 thousand compared to RMB 6,365,278 thousand in the first half of 2023[18]. - Net profit attributable to shareholders of the parent company increased by 13.07% to RMB 2,640,917 thousand from RMB 2,335,704 thousand in the same period last year[18]. - The diluted earnings per share for the first half of 2024 was RMB 0.45, a 12.50% increase from RMB 0.40 in the same period of 2023[18]. Assets and Liabilities - The total assets as of June 30, 2024, amounted to RMB 654,024,373 thousand, reflecting a growth of 7.57% from RMB 607,985,372 thousand at the end of 2023[20]. - Customer loans totaled RMB 324,394,232 thousand, an increase of 8.10% compared to RMB 300,089,541 thousand at the end of 2023[20]. - Customer deposits reached RMB 411,588,446 thousand, up 6.61% from RMB 386,062,259 thousand at the end of 2023[20]. - The company's total liabilities reached CNY 611.17 billion, reflecting a growth of 7.59% compared to the end of 2023[96]. - The company's total capital net worth reached CNY 52,854,097 thousand as of June 30, 2024, compared to CNY 49,247,594 thousand at the end of 2023, indicating an increase of 5.3%[148]. Capital Adequacy and Risk Management - The core tier 1 capital adequacy ratio increased to 9.07% from 8.42% at the end of 2023[22]. - The bank's capital adequacy ratio was 13.44%, with a core Tier 1 capital ratio of 9.07%, both up by 0.65 percentage points from the previous year[39]. - The company reported a capital adequacy ratio of 13.44% and a core tier 1 capital adequacy ratio of 9.07%, both up by 0.65 percentage points from the previous year[147]. - The non-performing loan ratio improved slightly to 1.17% from 1.18% at the end of 2023[22]. - The company has adopted a forward-looking approach to credit risk management, regularly reviewing key parameters and assumptions in the expected credit loss model[136]. Customer and Retail Banking - Retail deposits reached RMB 202.68 billion, growing by RMB 14.24 billion, or 7.56% year-on-year[42]. - The retail customer base reached 8.4633 million, with a new customer effectiveness rate improvement of 3.86%[186]. - The company expanded its customer base by over 20,000 corporate clients during the reporting period[43]. - Personal housing mortgage loan balance reached CNY 46.75 billion, a decrease of CNY 0.19 billion or 0.41% from the end of last year[192]. - Credit card issuance increased by 182,600 cards, totaling 4.29 million cards, a growth of 4.45% year-over-year[193]. Investment and Financial Performance - The company's investment income was 778.28 million RMB, an increase of 14.27% year-on-year[76]. - The fair value changes in profit and loss increased by 101.16% to CNY 519.74 million in the first half of 2024, compared to CNY 258.37 million in the same period of 2023[174]. - The company's other comprehensive income after tax increased by 65.10% to CNY 1,185.37 million as of June 30, 2024, compared to CNY 717.98 million at the end of 2023[174]. - The company reported other non-interest income of 1.42 billion RMB, a significant increase of 54.83% year-on-year[74]. - The company achieved net commission and fee income of RMB 372 million, a year-on-year increase of 46.40%[42]. Dividends and Shareholder Returns - The bank plans to propose a cash dividend for the first half of 2024, with no stock dividends or capital increases from reserves[3]. - The company issued dividends totaling RMB 931 million to common shareholders during the reporting period[105]. Operational Efficiency - The average return on total assets was 0.86%, a slight decrease of 0.02 percentage points year-on-year[39]. - The average cost of retail deposits decreased by 0.14 percentage points compared to the same period last year[42]. - The average yield on interest-earning assets was 4.07%, while the average cost of interest-bearing liabilities was 2.13%[50]. - The average balance of interest-earning assets increased by RMB 51.05 billion year-on-year, a growth of 10.38%[53]. - The average balance of deposits increased by RMB 39.673 billion, a growth of 11.31%, leading to a rise in interest expense on deposits to RMB 4.137 billion, up 5.63% year-on-year[63].

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 （H股股份代號：3866） 截至2024年6月30日止六個月中期業績公告 2024 年 8 月 28 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。 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 ...