证券代码：002948 证券简称：青岛银行 公告编号：2024-026 青岛银行股份有限公司监事会决议公告 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。 一、审议通过了《青岛银行股份有限公司 2024 年中期行长工作报告》 本议案同意票 6 票，反对票 0 票，弃权票 0 票。 二、审议通过了《青岛银行股份有限公司 2024 年中期财务分析报告》 本议案同意票 6 票，反对票 0 票，弃权票 0 票。 三、审议通过了《青岛银行股份有限公司关于 2024 年半年度报告及摘要、业 绩公告的议案》 本议案同意票 6 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 2024 年半年 度报告及摘要、业绩公告的程序符合法律、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 2024 年半年度报告同日在巨潮资讯网（http://www.cninfo.com.cn）披露， 2024 年半年度报告摘要同日在《中国证券报》《上海证券报》《证券时报》《证券日 ...

青岛银行股份有限公司 2024 年上半年非经营性资金占用及其他关联资金往来情况汇总表 | 景在伦 | 吴显明 | 陈霜 | 李振国 | (公司盖章) | | --- | --- | --- | --- | --- | | 法定代表人(董事长) | 行长 | 主管财务工作的副行长 | 计划财务部总经理 | | 注：本行作为上市的商业银行，经营范围包括贷款及资金业务。本行向关联方发放的贷款和资金往来业务严格按照中国人民银行等监管机构的规定开展，不属于一般意义上的关 联方占用上市公司资金范畴。 金额单位：人民币万元 非经营性资金占用 资金占用方 名称 占用方与上市公 司的关联关系 上市公司核算 的会计科目 2024 年期初 占用资金余额 2024 年上半年占 用累计发生金额 （不含利息） 2024 年上半年 占用资金的利息 （如有） 2024 年上半年 偿还累计发生 金额 2024 年 6 月末 占用资金余额 占用形成 原因 占用性质 控股股东、实际控制人及其附属企业 无 无 无 无 无 无 无 无 无 非经营性占用 前控股股东、实际控制人及其附属企业 无 无 无 无 无 无 无 无 无 非经营性占用 其他关联方及 ...

证券代码：002948 证券简称：青岛银行 公告编号：2024-025 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2024年8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次会议的通知，会议于2024年8月28日在青 岛银行培训中心以现场会议方式召开，应出席董事14名，实际出席董事14名。本 次会议由景在伦董事长主持，部分监事、相关行级高管及总行相关部门负责人列席 会议。本次会议召开符合《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《青岛银行股份有限公司2024年中期行长工作报告》 本议案同意票14票，反对票0票，弃权票0票。 二、审议通过了《青岛银行股份有限公司2024年中期财务分析报告》 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。 三、审议通过了《青岛银行股份有限公司关于2024年半年度报告及摘要 ...

Financial Reporting and Compliance - The Board of Directors confirmed the accuracy and completeness of the interim report for the first half of 2024, which was approved on August 28, 2024[7]. - The financial report for the first half of 2024 was reviewed by KPMG according to both Chinese and international review standards[7]. - The report period covers January 1, 2024, to June 30, 2024[10]. - The company operates under both Chinese Accounting Standards and International Financial Reporting Standards[7]. - The company is listed on both the Shenzhen Stock Exchange (A shares) and the Hong Kong Stock Exchange (H shares)[12]. Dividend and Profit Distribution - The company plans to propose a cash dividend for the first half of 2024, with no stock dividends or capital reserve transfers[7]. - Net profit attributable to shareholders reached RMB 2,640,917 thousand, reflecting a growth of 13.07% from RMB 2,335,704 thousand year-on-year[16]. - Net profit for the period was CNY 2.71 billion, representing a year-on-year growth of 12.62%[28]. Income and Revenue Growth - Total operating income rose by 10.31% to RMB 7,027,347 thousand, up from RMB 6,370,811 thousand in the previous year[16]. - Non-interest income increased by 20.79% to RMB 2,248,354 thousand from RMB 1,861,400 thousand year-on-year[16]. - Operating income for the reporting period was RMB 7.027 billion, an increase of RMB 657 million, with a growth rate of 10.31%[36]. - Non-interest income accounted for 31.99% of total operating income, an increase of 2.77 percentage points year-on-year[36]. Asset and Loan Management - Total assets as of June 30, 2024, amounted to RMB 654,024,373 thousand, a 7.57% increase from RMB 607,985,372 thousand at the end of 2023[17]. - Customer loans totaled RMB 324,394,232 thousand, marking an 8.10% increase from RMB 300,089,541 thousand at the end of 2023[17]. - The non-performing loan ratio improved slightly to 1.17% from 1.18% at the end of 2023[18]. - Total customer loans amounted to RMB 324,394,232 thousand as of June 30, 2024, with a non-performing loan (NPL) amount of RMB 3,789,352 thousand, resulting in an NPL ratio of 1.17%[98]. Capital Adequacy and Risk Management - The core tier 1 capital adequacy ratio increased to 9.07% from 8.42% at the end of 2023[18]. - The 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[28]. - The company has enhanced its risk management for group clients by establishing a unified credit management system and a risk monitoring framework[108]. - The company has implemented strict controls on restructured loans, which accounted for 0.03% of total loans as of June 30, 2024, unchanged from the end of the previous year[110]. Customer and Retail Banking - The bank's retail banking business generated a pre-tax profit of RMB 611.95 million, a decrease from the previous year's RMB 746.23 million[92]. - Retail deposit balance reached RMB 202.684 billion, an increase of RMB 14.240 billion, with a growth rate of 7.56%[30]. - The number of retail customers reached 8.4633 million, with a new customer effectiveness rate increasing by 3.86%[145]. - The retail banking strategy emphasizes customer-centric development and digital transformation to enhance operational efficiency[143]. Technology and Digital Transformation - The company has successfully built an external data marketplace, improving data quality and security risk management systems to support digital transformation[181]. - The company has developed 12 projects in areas such as mobile channels and marketing empowerment, advancing its digital core capabilities[181]. - The bank launched its first online agricultural loan product "Ludang Cloud Loan" and a scenario-based online consumer loan product "Online Parking Space Loan" during the reporting period[146]. Market Position and Growth Strategy - The company has established a strong market presence, being recognized as a leading institution in the interbank market and for market innovation[167]. - The company has expanded its cross-border financing capabilities, enhancing its international trade financing services[162]. - The bank's overall strategy focuses on stable growth, structural adjustment, and quality improvement in response to external environmental changes[143]. Financial Investments and Asset Management - The company's financial investments measured at fair value and recognized in profit or loss amounted to RMB 626.39 billion, an increase of RMB 43.69 billion or 7.50% compared to the end of the previous year[71]. - The company's financial investments had a book value of CNY 228.53 billion, an increase of CNY 2.52 billion or 1.11% from the end of the previous year[69]. - The total balance of wealth management products reached 208.520 billion yuan, reflecting a growth of 0.19% year-on-year[171]. Liquidity and Funding Management - The liquidity coverage ratio significantly improved to 203.40%, up from 158.11% in the previous period[18]. - The amount of high-quality liquid assets increased to RMB 108,843,097 thousand from RMB 75,270,402 thousand, reflecting a significant enhancement in liquidity reserves[190]. - The net stable funding ratio stands at 119.13% as of June 30, 2024, compared to 125.47% on March 31, 2024, demonstrating stable funding management[191].

Financial Performance - The Bank of Qingdao reported its unaudited interim results for the six months ending June 30, 2024[1]. - 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[11]. - Non-interest income increased by 20.79% to RMB 2,248,354 thousand from RMB 1,861,400 thousand year-on-year[11]. - Total operating income rose by 10.31% to RMB 7,027,347 thousand, up from RMB 6,370,811 thousand in the previous year[11]. - Pre-tax profit increased by 16.04% to RMB 3,233,244 thousand, compared to RMB 2,786,303 thousand in the first half of 2023[11]. - Net profit attributable to shareholders reached RMB 2,640,917 thousand, reflecting a growth of 13.07% from RMB 2,335,704 thousand year-on-year[11]. - Basic earnings per share for the first half of 2024 were RMB 0.45, up from RMB 0.40, representing a 12.50% increase[11]. - The net profit for the first half of 2024 was CNY 2.711 billion, representing a year-on-year increase of 12.62%[19]. - Total operating income was RMB 7.027 billion, an increase of RMB 657 million, or 10.31% year-on-year[31]. - The tax expense increased by 37.78% year-on-year to RMB 521.86 million, reflecting higher profitability[30]. Assets and Liabilities - Total assets as of June 30, 2024, amounted to RMB 654,024,373 thousand, a 7.57% increase from RMB 607,985,372 thousand at the end of 2023[12]. - Total liabilities reached RMB 611,168,636 thousand, up 7.59% from RMB 568,046,129 thousand at the end of 2023[12]. - Total customer deposits increased by 6.61% to RMB 411,588,446 thousand from RMB 386,062,259 thousand year-on-year[12]. - The total amount of financial investments measured at amortized cost, after accounting for interest receivable and impairment provisions, was RMB 58.59 billion[71]. - The total amount of credit commitments at the end of the reporting period was RMB 81.205 billion, with credit commitments being the main component[127]. Risk Management - The bank emphasizes the importance of risk management and has detailed its main risks and countermeasures in the report[2]. - The non-performing loan ratio improved to 1.17%, a decrease of 0.01 percentage points compared to the end of the previous year[19]. - The capital adequacy ratio stood at 13.44%, reflecting a solid capital position[19]. - The company has enhanced its capital management and risk control mechanisms, focusing on optimizing the capital structure and improving capital efficiency[107]. - The company has implemented multiple risk monitoring systems, significantly enhancing its intelligent risk management capabilities[176]. Customer Loans and Deposits - Customer loans totaled RMB 324,394,232 thousand, marking an 8.10% increase from RMB 300,089,541 thousand at the end of 2023[12]. - The total loans and advances issued by the company reached CNY 316.40 billion, an increase of CNY 23.40 billion, representing a growth of 7.99% compared to the end of the previous year[59]. - Corporate loans accounted for CNY 226.19 billion, increasing by CNY 24.63 billion, which is a growth of 12.22% and represents 69.73% of total customer loans[61]. - Personal loans decreased to CNY 77.99 billion, down CNY 1.08 billion, a decline of 1.37%, making up 24.04% of total customer loans[62]. - Total customer deposits reached CNY 411.59 billion, increasing by CNY 25.53 billion, a growth of 6.61% compared to the previous year[23]. Digital Transformation and Innovation - The company’s digital transformation strategy focuses on data-driven services and intelligent solutions to enhance customer experience and operational efficiency[22]. - The bank launched new digital products, including the "Online Parking Space Loan," enhancing customer experience through digital transformation[144]. - The company has developed 12 projects in areas such as mobile channels and marketing empowerment, focusing on enhancing digital core capabilities[176]. - The bank's credit card WeChat mini-program had a total of 2.0387 million bound users, with a peak monthly active user count of 525,500[173]. Corporate Governance and Strategy - The board of directors confirmed the accuracy and completeness of the financial report, which was reviewed by KPMG[2]. - The bank aims to enhance its core competitiveness by integrating party leadership into corporate governance and promoting a market-oriented operational model[20]. - The bank's strategy emphasizes high-quality development and customer experience enhancement through its "Qingxin Service" brand[20]. - The company has established a unified credit management system for group clients, enhancing risk monitoring and control[104]. Market and Economic Environment - The GDP of Shandong Province grew by 5.8% year-on-year, surpassing the national average, reflecting a stable economic environment[200]. - The banking sector continues to face strict regulatory oversight, with an emphasis on supporting inclusive finance and green low-carbon initiatives[200].

证券代码：002948 证券简称：青岛银行 公告编号：2024-023 青岛银行股份有限公司监事会决议公告 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。 青岛银行股份有限公司（以下简称"本行"）于 2024 年 8 月 15 日以电子邮件方 式向监事发出关于召开第九届监事会第一次会议的通知，会议于 2024 年 8 月 26 日 在本行总行以现场会议方式召开，应出席监事 6 名，实际出席监事 6 名。经半数以 上监事推举，会议由王大为监事主持，相关行级高管及总行相关部门负责人列席会 议。本次会议召开符合《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第九届监事会专门委员会成 员的议案》 本议案同意票 6 票，反对票 0 票，弃权票 0 票。 1 备查文件 经与会监事签字并加盖监事会印章的监事会决议。 特此公告。 青岛银行股份有限公司监事会 （一）监督委员会 主任委员：郝先经 成 员：何良军、姜省路、卢昆、刘文佳 （二）提名与考核委员会 主任委员：姜省路 成 员：郝先经、卢昆、王大为 上述人 ...

证券代码：002948 证券简称：青岛银行 公告编号：2024-022 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2024年8月13日以电子邮件方式 向董事发出关于召开第九届董事会第一次会议的通知，会议于2024年8月26日在本 行总行以现场会议方式召开，应出席董事14名，实际出席董事14名。经半数以上 董事推举，会议由景在伦董事主持，部分监事、相关行级高管及总行相关部门负责 人列席会议。本次会议召开符合《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《关于选举景在伦先生为青岛银行股份有限公司第九届董事会 董事长的议案》 本议案同意票14票，反对票0票，弃权票0票。 董事会同意选举景在伦先生为本行第九届董事会董事长，任期与第九届董事会 一致。 景在伦先生的简历详见附件。 二、审议通过了《关于青岛银行股份有限公司第九届董事会专门委员会成 员的议案》 （三）审计委员会 （四）薪酬委员会 （五）提名委员会 本议案同意 ...

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。 青岛银行股份有限公司董事会 2024 年 8 月 26 日 Bank of Qingdao Co., Ltd.* * H 3866 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。 董事會名單與其角色和職能 青島銀行股份有限公司董事會（「董事會」）成員載列如下： 執行董事 景在倫 （董事長） 吳顯明 陳霜 劉鵬 非執行董事 周雲傑 Rosario STRANO 譚麗霞 Giamberto GIRALDO 鄧友成 獨立非執行董事 邢樂成 張旭 張文礎 杜寧 范學軍 - 1 - 董事會設立7個委員會。下表載列各董事在該等委員會所擔任的職位。 | | | 風險管理 | | ...

青岛银行股份有限公司独立董事 一、本次高级管理人员的提名符合有关法律法规及《公司章程》的要求，提名 程序合法有效； 二、本次会议审议通过的《关于聘任吴显明先生为青岛银行股份有限公司行长 的议案》《关于聘任陈霜女士为青岛银行股份有限公司副行长的议案》《关于聘任刘 鹏先生为青岛银行股份有限公司副行长的议案》《关于聘任张猛先生为青岛银行股 份有限公司副行长的议案》《关于聘任张迟红先生为青岛银行股份有限公司副行长 的议案》《关于聘任张巧雯女士为青岛银行股份有限公司董事会秘书的议案》审议、 表决程序合法有效； 三、吴显明先生、陈霜女士、刘鹏先生、张猛先生、张迟红先生、张巧雯女士 具备担任公司高级管理人员的条件和资格，不存在法律、行政法规和部门规章及《公 司章程》规定的不适合担任相应职务的情形，也不存在被中国证监会确定为市场禁 入者且尚未解禁的情形； 四、同意聘任吴显明先生担任青岛银行行长，同意聘任陈霜女士、刘鹏先生、 张猛先生、张迟红先生担任青岛银行副行长，同意聘任张巧雯女士担任青岛银行董 事会秘书。 青岛银行股份有限公司董事会独立董事 邢乐成、张旭、张文础、杜宁、范学军 2024 年 8 月 26 日 关于聘任高级管 ...

青岛银行股份有限公司 杨峰江先生在任职本行第七届、第八届监事会监事长、职工监事和第九届监事 会职工监事期间，恪尽职守、勤勉履职，带领本行监事会认真贯彻落实国家经济金 融政策和监管要求，创新完善监督机制，依法合规开展各项监督工作，着力提升对 公司战略、履职尽责、财务管理、风险管理和内控合规等监督质效，在提升本行公 司治理水平、促进本行合规稳健发展等方面发挥了重要作用。 本行监事会对杨峰江先生在任职期间作出的突出贡献给予高度评价并深表谢 意。 特此公告。 青岛银行股份有限公司监事会 证券代码：002948 证券简称：青岛银行 公告编号：2024-021 关于职工监事辞任的公告 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。 青岛银行股份有限公司（以下简称"本行"）监事会收到本行职工监事杨峰江 先生的辞职报告。杨峰江先生因到龄退休，辞去本行第九届监事会职工监事职务， 自 2024 年 8 月 22 日起生效。辞任后，杨峰江先生不再担任本行及本行控股子公司 任何职务。 杨峰江先生已确认其与本行董事会、监事会无意见分歧，亦无有关其辞任须提 请本行股东及债权人注意的其他事项。 ...