最近，发行科技创新债券的风吹到了城商行。 《国际金融报》记者注意到，9月以来，青岛银行（002948）、苏州银行（002966）、齐鲁银行 （601665）等10家机构纷纷布局科创债，合计发行总额达到129亿元，城商行成为发行主力军。与此同 时，市场认购热情高涨，有的债券认购倍数高达2.87倍，实现超额增发。 9月24日晚间，青岛银行发布公告称，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 年科技创新债券"，并已于9月23日发行完毕。据悉，该期债券发行规模为人民币10亿元，品种为5年期 固定利率债券，票面利率为1.87%。 青岛银行同时称，该期债券募集资金将依据适用法律和主管部门的批准，通过贷款、债券等多种途径， 专项支持科技创新领域业务。 记者注意到，也有机构设置了超额增发权，并最终顶格发行科创债。9月23日，重庆三峡银行公告了该 行2025年科技创新债券（第一期）发行结果，该期债券基本发行规模为人民币20亿元，票面利率为 1.95%。 三峡银行公告还指出，若实际全场申购倍数（全场申购量／基本发行规模）α≥1.4，发行人有权选择行 使超额增发权，增加发行不超过人民币5亿元。最终，该只科创债 ...

9月22日至24日，重庆三峡银行在全国银行间债券市场发行2025年科技创新债券（第一期），债券期限5 年，发行规模20亿元，可追加不超过5亿元。 此外，青岛银行9月19日发行"25青岛银行科创债01"，发行总额10亿元，债券期限5年，票面年利率 1.87%；东莞农商行9月11日发行"25东莞农商行科创债01"，发行总额15亿元，债券期限5年，票面年利 率1.98%。 今年5月，中国银行间市场交易商协会发布《关于推出科技创新债券 构建债市"科技板"的通知》，正式 面向金融市场推出科技创新债券。金融机构紧跟政策导向，积极参与科创债市场，打头阵的多为政策性 银行、国有大行以及股份制银行。6月，越来越多的区域性银行涌入科创债市场，这些银行发行的科创 债规模多在10亿元至30亿元。 ● 本报记者 张佳琳 债市"科技板"落地已四月有余，科创债发行规模持续提升。从发行人所处行业来看，银行业无疑是科创 债发行的主力军。如今，不仅是国有大行、股份制银行，区域性银行也积极涌入科创债市场，助推科创 债市场扩容。 积极发行科创债 据"上交所债券"微信公众号9月24日消息，截至目前，上交所市场科创债累计发行规模1.4万亿元。今年 以来 ...

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]

9月25日，青岛银行盘中下跌2.06%，截至09:39，报4.75元/股，成交2794.91万元，换手率0.19%，总市 值276.47亿元。 青岛银行所属申万行业为：银行-城商行Ⅱ-城商行Ⅲ。所属概念板块包括：低市盈率、破净股、长期破 净、价值成长、H股等。 截至6月30日，青岛银行股东户数5.11万，较上期增加0.51%；人均流通股61038股，较上期减少0.50%。 2025年1月-6月，青岛银行实现营业收入0.00元；归母净利润30.65亿元，同比增长16.05%。 分红方面，青岛银行A股上市后累计派现63.41亿元。近三年，累计派现27.94亿元。 责任编辑：小浪快报 资金流向方面，主力资金净流出88.58万元，大单买入657.21万元，占比23.51%，卖出745.78万元，占比 26.68%。 青岛银行今年以来股价涨27.69%，近5个交易日跌1.86%，近20日跌2.26%，近60日跌6.31%。 资料显示，青岛银行股份有限公司位于山东省青岛市崂山区秦岭路6号，成立日期1996年11月15日，上 市日期2019年1月16日，公司主营业务涉及公司银行业务、零售银行业务和资金业务等。主营业务收入 ...

Group 1 - The core point of the announcement is that Qingdao Bank has successfully issued the "2025 Technology Innovation Bond" with a total issuance size of RMB 1 billion [1] - The bond was recorded on September 19, 2025, and completed issuance on September 23, 2025, with a fixed interest rate of 1.87% over a 5-year term [1] - The funds raised from this bond will be used to specifically support businesses in the technology innovation sector through various means such as loans and other bonds, in accordance with applicable laws and regulatory approvals [1]

公告称，本期债券募集资金将依据适用法律和主管部门的批准，通过贷款、债券等多种途径，专项支持 科技创新领域业务。 2025年中期，青岛银行实现营业收入76.58亿元，同比增长8.97%；归母净利润30.65亿元，同比增长 16.05%。 中证智能财讯青岛银行（03866）9月24日晚间公告，经中国人民银行批准，公司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年科技创新债券"。 本期债券于2025年9月19日簿记建档，并于9月23日发行完毕。发行规模为人民币10亿元，品种为5年期 固定利率债券，票面利率为1.87%。 （文章来源：中国证券报·中证网） ...

Core Viewpoint - The banking sector has been one of the best-performing segments in the A-share market since the "9.24" rally began in 2024, with the China Securities Banking Index showing a cumulative increase of approximately 24% over the past year [2][3]. Market Performance - As of September 24, 2024, the total A-share market capitalization of 42 listed banks reached approximately 10.6 trillion yuan, an increase of 2.37 trillion yuan from 8.23 trillion yuan a year ago [4]. - The total market capitalization for these banks is about 13.9 trillion yuan, up over 3 trillion yuan from 10.83 trillion yuan a year ago [4]. - The banking sector experienced a significant rally, with the index reaching a high of 8570.76 points, representing a more than 43% increase since last year [2]. Individual Bank Performance - All 42 A-share listed banks reported positive stock price changes over the past year, with the highest increase nearing 59% and the lowest at around 8% [3]. - Notable performers include Qingdao Bank (58.87%), Xiamen Bank (50%), and Agricultural Bank of China (48.6%) [3]. - The median increase for state-owned banks was approximately 29%, with Agricultural Bank, Industrial and Commercial Bank, and Postal Savings Bank leading the gains [3]. Market Capitalization Changes - The top five banks by A-share market capitalization as of the latest close are Agricultural Bank (2.1 trillion yuan), Industrial and Commercial Bank (2.01 trillion yuan), China Bank (1.26 trillion yuan), China Merchants Bank (852.39 billion yuan), and Postal Savings Bank (607.45 billion yuan) [4]. - The Agricultural Bank and Industrial and Commercial Bank saw significant increases in A-share market capitalization, with growth of approximately 565.1 billion yuan and 396.3 billion yuan, respectively [4][5]. Recent Trends and Adjustments - Since July, the banking sector has entered a phase of adjustment, with the China Securities Banking Index declining nearly 13% from its peak [6]. - Over half of the banks have experienced a decline of more than 10% since July 10, with some banks like Everbright Bank and Beijing Bank seeing declines exceeding 20% [6]. - The market sentiment has shifted, leading to increased discussions about whether bank stocks have risen too much and if the rally is over [7]. Valuation Metrics - The median dividend yield for bank stocks is around 4.5%, which has decreased by over 1 percentage point from a year ago but remains competitive compared to other asset yields [7]. - The price-to-book (PB) ratio for the 42 listed banks is approximately 0.58, showing a slight increase from 0.5 a year ago, indicating that the market is still grappling with the issue of banks trading below book value [7].

在跨界融合方面，青岛银行打破金融业传统传播范式，借助"金融+体育""金融+艺术"等模式实现品牌破圈。与山东泰山、青岛海牛、青岛西海岸足球俱乐部 的合作，不仅在足球场景中进行形象植入，强化品牌曝光，还通过公益足球营、西藏足球少年关怀等项目，将商业品牌延伸为社会情感联结的可视符号。 与此同时，青岛银行与数字艺术家卜桦的合作，以艺术赋能金融场域，将银行物理空间转化为美育浸润与社会对话的场所。数字艺术特展、亲子公益共创等 项目，不仅重塑服务体验，更在功能属性之上叠加人文关怀与审美价值，推动品牌从"服务提供者"蜕变为"价值共创者"。 值得一提的是，此前，青岛银行已连续九年跻身"中国500最具价值品牌"，品牌价值增至362.36亿元。从"青岛银行号"飞机承载城市形象翱翔天际，到借助 艺术、体育等多维媒介展开品牌叙事，青岛银行正在实现从城市金融品牌到区域性活力品牌的关键跨越。 9月 24 日，世界品牌实验室（World Brand Lab）在香港发布2025年亚洲品牌500强榜单。青岛银行连续第九次登榜，较2024年排名上升7位，列 408 位，成为 其品牌化突围的重要见证，彰显了其以区域深耕为基石的品牌影响正释放出超越地 ...

自2024年"9·24"行情启动以来，银行股无疑是A股市场上表现最亮眼的板块之一。 Wind数据显示，截至今年9月24日收盘，中证银行指数近一年累计涨幅约为24%。在此轮回调前，中证银行指数节节攀升，一度触及8570.76点新高，较去年 9月24日涨超43%。 其间，银行板块发生了多个标志性事件，其一是银行板块A股市值首次突破10万亿元，其二是农业银行A股市值、总市值先后超过工商银行，登顶"市值之 王"，此后工商银行重回"宇宙行"之位。不过，7月以来，市场交易风格变换，银行股逐渐进入震荡回调阶段，板块自高点跌近13%，同期上证指数涨超 10%。 半数涨幅超30%，"市值之王"完成一轮更迭 去年"9·24"行情启动以来，银行板块整体先升后降，但银行间表现分化明显。近一年A股42只银行股全部飘红，股价涨幅最高接近59%，最低在8%左右。 7月以来，随着市场情绪回升和板块轮动，银行股整体陷入回调，但出现一定分化趋势。 Wind数据显示，7月10日阶段性高点以来，中证银行指数已回调近13%。其中，9月以来，中证银行指数跌幅超过5%。 具体看个股表现，7月10日以来超半数银行回调幅度超过10%，光大银行、北京银行跌幅超 ...