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：2024-04 √特定对象调研 □分析师会议 投资者关系 □媒体采访 □业绩说明会 活动类别 □新闻发布会 □路演活动 □现场参观 □其他： 中信建投 马鲲鹏、李晨、王欣宇，汇添富基金 何旺，嘉实 参与单位名称 基金 刘绍林，高毅资产 黄帆，永赢基金 蒋昱东，招商证 及人员姓名 券资管 段夏青，IncomePartners 修健，长盛基金 王文豪， 华创自营 刘超 时间 2024年5月15日（星期三） 14:00-15:00 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 行长吴显明先生、董事会秘书张巧雯女士、相关部门负责人 人员姓名 及工作人员 1.青岛银行在涉农信贷及县域市场的发展情况如何？ 答：我行坚决贯彻落实党中央对金融工作的决策部署， 践行金融工作政治性、人民性，将业务发展融入服务经济社 会发展大局，融入服务实体经济、服务广大人民群众需求的 具体金融实践。我行高度重视县域市场，涉农金融稳步发展， 优化创新“惠农快贷”等系列涉农特色产品，开展“一县一 品”专项活动。截至 2023 年末，我行涉农贷款余额 ...

证券代码：002948 证券简称：青岛银行 公告编号：2024-015 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5月9日以电子邮件方式向 董事发出关于召开第八届董事会第四十七次会议的通知，会议于2024年5月14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（其中，委 托出席的董事2名。因工作原因，Rosario STRANO先生委托Marco MUSSITA先生、 刘鹏先生委托吴显明先生出席会议并代为行使表决权）。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。 会议审议通过了关于优化青岛银行股份有限公司行员等级体系及薪酬体系的 议案 本议案同意票14票，反对票0票，弃权票0票。 2.董事会薪酬委员会审议的证明文件。 特此公告。 青岛银行股份有限公司董事会 2024 年 5 月 14 日 本议案已经本行董事会薪酬委 ...

会议议程 会 议 议 程 现场会议时间：2024 年 5 月 31 日（星期五）上午 9:00 开 始 现场会议地点：青岛市崂山区秦岭路 6 号青岛银行总行 会议议程： 一、主持人宣布现场会议开始 二、主持人介绍现场股东出席情况 三、报告并审议会议议案 四、现场股东提问交流 五、对审议事项进行现场投票表决 六、宣布会议结束 青岛银行股份有限公司 2023年度股东大会 会议文件 （A 股证券代码：002948） 2024 年 5 月 31 日 会议文件列表 会议文件列表 普通决议案 一、审议事项 议案 1.青岛银行股份有限公司 2023 年度董事会工作报告 议案 2.青岛银行股份有限公司 2023 年度监事会工作报告 议案 3.青岛银行股份有限公司 2023 年度财务决算报告 议案 4.青岛银行股份有限公司 2023 年度利润分配方案 议案 5.关于聘请青岛银行股份有限公司 2024 年度外部审 计机构及其报酬的议案 议案 6.关于选举青岛银行股份有限公司第九届董事会董事 的议案 6.01 选举周云杰先生为青岛银行股份有限公司第九届董 事会非执行董事 6.02 选举 Rosario STRANO 先生为青岛银行 ...

证券代码：002948 证券简称：青岛银行 公告编号：2024-014 青岛银行股份有限公司 关于召开 2023 年度股东大会的通知 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"）2023年度股东大会（以下简称"本次 股东大会"）定于2024年5月31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：2023年度股东大会 （二）股东大会的召集人：本行董事会，本行第八届董事会第四十五次会议审 议通过了关于召开青岛银行股份有限公司2023年度股东大会的议案。 （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5月31日（星期五）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5月31 日9:15-9:25，9:30-11:30和13:00-15:00；通过互联网投票系统投票的时间为2024年5 月31日9:15-15:00。 ...

青岛银行股份有限公司 特此公告。 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。 截至月份: 2024年4月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 青島銀行股份有限公司 青岛银行股份有限公司董事会 2024 年 5 月 6 日 FF301 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 呈交日期: 2024年5月6日 I. 法定/註冊股本變動 第 1 頁 共 6 頁 v 1.0.2 II. 已發行股份變動 | 1. 股份分類 | 普通股 | 股份類別 | H | 於香港聯交所上市 (註1) | 是 | | --- | --- | --- | ...

[Table_Page] 季报点评|城商行Ⅱ 证券研究报告 [青Table_岛Title] 银行(002948.SZ/03866.HK) 公[Ta司ble评_In级ves t] 买入-A/买入-H 当前价格 3.47元/2.26港元 业绩超预期，拨备覆盖率提升 合理价值 4.92元/3.21港元 前次评级 买入/买入 [Table_Summary] 核心观点： 报告日期 2024-05-01 ⚫ 青岛银行发布 2024 年一季报，我们点评如下：24Q1 营收、PPOP、 [相Tab对le_P市icQ场uote表] 现 归母净利润同比增速分别为 19.3%、24.6%、18.7%，增速较 23A 分 别变动+12.2pct、+17.3pct、+3.6pct，业绩增长超预期。从业绩驱动 10% 4% 来看，规模扩张、其他收支、成本收入比下降形成主要正贡献，净息 -3%05/23 07/23 09/23 10/23 12/23 02/24 04/24 差收窄、有效税率因素形成一定拖累。 -9% ⚫ 亮点：（1）信贷规模扩张提速。资产端，公司积极加大贷款投放力度， -16% 优化生息资产结构，24Q1贷款同比增长12 ...

Financial Performance - Operating income for Q1 2024 reached RMB 3,689,255 thousand, an increase of 19.28% compared to RMB 3,093,053 thousand in Q1 2023[3] - Net profit attributable to shareholders of the parent company was RMB 1,080,635 thousand, up 18.74% from RMB 910,066 thousand in the same period last year[3] - Basic earnings per share increased to RMB 0.19, reflecting an 18.75% rise from RMB 0.16 in Q1 2023[3] - Total comprehensive income for Q1 2024 was RMB 1,703,500 thousand, significantly higher than RMB 944,366 thousand in Q1 2023, reflecting a growth of approximately 80%[37] - Operating profit for Q1 2024 reached RMB 1,308,469 thousand, an increase of 25% compared to RMB 1,048,336 thousand in Q1 2023[35] Assets and Liabilities - Total assets as of March 31, 2024, amounted to RMB 623,070,530 thousand, a 2.48% increase from RMB 607,985,372 thousand at the end of 2023[3] - The bank's total liabilities reached RMB 581,427,787 thousand, reflecting a 2.36% increase from RMB 568,046,129 thousand at the end of 2023[3] - As of March 31, 2024, the total assets of the company reached RMB 623.071 billion, an increase of RMB 15.085 billion or 2.48% compared to the end of the previous year[17] - The total liabilities of the company amounted to RMB 581.428 billion, increasing by RMB 13.382 billion or 2.36% from the end of the previous year[17] Capital Adequacy - The bank's capital adequacy ratio improved to 13.46% as of March 31, 2024, compared to 12.79% at the end of 2023[8] - The core Tier 1 capital adequacy ratio was 8.98% as of March 31, 2024, compared to 8.50% at the end of 2023[13] - The Tier 1 capital adequacy ratio was 10.68% as of March 31, 2024, compared to 10.27% at the end of 2023[13] - The total capital adequacy ratio was 13.46% as of March 31, 2024, compared to 13.09% at the end of 2023[13] Loan and Deposit Growth - The total customer loans reached RMB 317.041 billion, up RMB 16.951 billion or 5.65% from the end of the previous year, and increased by RMB 33.854 billion or 11.95% year-on-year[17] - The total customer deposits were RMB 390.109 billion, an increase of RMB 4.047 billion or 1.05% from the end of the previous year, and up RMB 32.382 billion or 9.05% year-on-year[17] - The balance of loans to private enterprises was 78.575 billion yuan, an increase of 6.116 billion yuan, or 8.44% year-on-year[19] - The balance of inclusive small and micro loans reached 37.866 billion yuan, an increase of 4.020 billion yuan, or 11.88% year-on-year[19] Cash Flow and Liquidity - The net cash flow from operating activities was negative at RMB (4,190,388) thousand, a decline of 170.65% from RMB 5,931,055 thousand in Q1 2023[3] - Net cash inflow from operating activities was RMB 28,197,599 thousand, down from RMB 33,410,698 thousand in Q1 2023, indicating a decrease of about 15.6%[40] - Cash flow from investment activities generated a net inflow of RMB 5,410,740 thousand, compared to a net outflow of RMB 503,604 thousand in Q1 2023[42] - Cash flow from financing activities resulted in a net inflow of RMB 1,764,486 thousand, a notable increase from RMB 739,025 thousand in the same period last year[42] - The liquidity coverage ratio increased to 178.14% as of March 31, 2024, up from 158.11% at the end of 2023[15] Interest and Income - Interest income reached 2.367 billion yuan, an increase of 169 million yuan, or 7.70% year-on-year, while non-interest income rose to 1.322 billion yuan, up 427 million yuan, or 47.67% year-on-year[18] - The net interest margin was positively impacted by an increase in interest income from loans, with a significant rise in interest income from the average balance of interest-earning assets[10] - The bank's investment income for Q1 2024 was RMB 356,277 thousand, slightly up from RMB 347,112 thousand in Q1 2023, showing a modest increase of about 2.3%[33] - The bank's other comprehensive income increased to RMB 1,530,874 thousand from RMB 947,211 thousand, indicating a significant rise of approximately 61.6%[30] Loan Quality - The non-performing loan ratio remained stable at 1.18% as of March 31, 2024, unchanged from the end of 2023[8] - The company reported a normal loan migration rate of 1.23% for the quarter, indicating a stable loan quality[2] - The non-performing loan ratio remained stable at 1.18%, unchanged from the end of the previous year, with a provision coverage ratio of 232.35%, up 6.39 percentage points[18] Strategic Initiatives - The company is actively enhancing its capital-intensive development model, with net capital increasing across all levels[19] - The company is focusing on digital transformation and has launched online inclusive loans to support small and micro enterprises[19]

Financial Performance - Operating income for Q1 2024 reached RMB 3,688,178 thousand, an increase of 19.39% compared to RMB 3,089,260 thousand in Q1 2023[3] - Net profit attributable to shareholders for Q1 2024 was RMB 1,080,635 thousand, up 18.74% from RMB 910,066 thousand in the same period last year[3] - Basic and diluted earnings per share for Q1 2024 were both RMB 0.19, reflecting an 18.75% increase from RMB 0.16 in Q1 2023[3] - For the period from January 1 to March 31, 2024, the net profit was RMB 1,119,837 thousand, an increase from RMB 947,175 thousand in the same period of 2023, representing a growth of approximately 18.2%[24] - The net profit before tax for the period from January 1 to March 31, 2024, was RMB 1,307,392 thousand, up from RMB 1,044,572 thousand in the same period of 2023, reflecting a year-on-year increase of 25.3%[30] Assets and Liabilities - Total assets as of March 31, 2024, amounted to RMB 623,070,530 thousand, representing a 2.48% increase from RMB 607,985,372 thousand at the end of 2023[3] - Total liabilities increased by 2.36% to RMB 581,427,787 thousand as of March 31, 2024, compared to RMB 568,046,129 thousand at the end of 2023[3] - The total liabilities and equity as of March 31, 2024, amounted to RMB 623,070,530 thousand, an increase from RMB 607,985,372 thousand as of December 31, 2023[28] Capital and Ratios - The return on average equity (annualized) improved to 12.90% in Q1 2024, up from 12.19% in Q1 2023, an increase of 0.71 percentage points[3] - The capital adequacy ratio as of March 31, 2024, was 13.46%, up from 12.79% at the end of 2023[7] - The core tier 1 capital adequacy ratio reached 8.98% as of March 31, 2024, compared to 8.42% at the end of 2023[9] - The leverage ratio stood at 6.07% as of March 31, 2024, up from 5.83% at the end of 2023[10] - The liquidity coverage ratio improved to 178.14% as of March 31, 2024, compared to 158.11% at the end of 2023[11] Loan and Deposit Information - As of March 31, 2024, the total customer loans amounted to RMB 317,040,720 thousand, reflecting a year-over-year increase of 5.65%[9] - The total deposits from customers were RMB 390,109,637 thousand, showing a slight increase of 1.05% year-over-year[9] - Customer loans totaled CNY 317.041 billion, increasing by CNY 16.951 billion or 5.65% from the previous year, and up CNY 33.854 billion or 11.95% year-over-year[13] - Loans to private enterprises reached CNY 78.575 billion, an increase of CNY 6.116 billion or 8.44% from the previous year[14] Income and Expenses - Net interest income was CNY 2.367 billion, an increase of CNY 169 million or 7.70% year-over-year[13] - Non-interest income grew to CNY 1.321 billion, up CNY 430 million or 48.18% year-over-year[13] - Interest income received during the first quarter of 2024 was RMB 4,554,887 thousand, compared to RMB 4,180,031 thousand in the same period of 2023, reflecting an increase of 9%[32] - The bank reported a significant increase in credit impairment losses, which rose to RMB 1,390,023 thousand in Q1 2024 from RMB 1,120,443 thousand in Q1 2023, indicating a year-on-year increase of 24.1%[30] Risk Management - The non-performing loan ratio remained stable at 1.18% as of March 31, 2024, unchanged from the end of 2023[7] - The coverage ratio for provisions increased to 232.35%, up 6.39 percentage points from the previous year[14] - The ratio of normal loans was 98.33% of total loans as of March 31, 2024, indicating a year-over-year increase of 5.71%[12] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place[21] Cash Flow - The cash flow from operating activities for the first quarter of 2024 was a net outflow of RMB 4,190,388 thousand, compared to a net inflow of RMB 5,931,055 thousand in the same period of 2023[31] - The net cash generated from financing activities in Q1 2024 was RMB 1,764,486 thousand, compared to a net outflow of RMB 739,025 thousand in Q1 2023[32] Other Financial Metrics - The bank's cash and deposits with the central bank increased to RMB 32,894,111 thousand from RMB 31,043,664 thousand, showing a rise of about 5.9%[26] - The bank's financial investments measured at fair value increased to RMB 61,612,058 thousand from RMB 58,269,523 thousand, reflecting a growth of approximately 4.0%[26] - The bank's cash and cash equivalents increased to RMB 18,580,681 thousand as of March 31, 2024, from RMB 16,180,501 thousand at the end of Q1 2023, marking a rise of 14.8%[32] - The bank's total comprehensive income for the period increased to RMB 1,530,874 thousand as of March 31, 2024, compared to RMB 947,211 thousand as of December 31, 2023, showing a growth of 61.6%[28]

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 境内同步披露公告 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 4 月 19 日 Bank of Qingdao Co., Ltd.* 青島銀行股份有限公司* (A joint stock company incorporated in the People's Republic of China with limited liability) （於中華人民共和國註冊成立的股份有限公司） (H Shares Stock Code H 股股份代號: 3866) Dear registered shareholder(s), Arrangem ...

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 Bank of Qingdao Co., Ltd.* 青島銀行股份有限公司* (A joint stock company incorporated in the People's Republic of China with limited liability) （於中華人民共和國註冊成立的股份有限公司） (H Shares Stock Code H 股股份代號: 3866) Dear non-registered shareholder(s), Arrangement of Elect ...