青岛银行股份有限公司董事会决议公告 证券代码：002948 证券简称：青岛银行 公告编号：2023-042 本议案提交董事会审议前，已经本行董事会审计委员会审议通过。本行 2023 年第三季度报告同日在《中国证券报》《上海证券报》《证券时报》《证券日报》 和巨潮资讯网（http://www.cninfo.com.cn/）披露，供投资者查阅。 备查文件 1.经与会董事签字并加盖董事会印章的董事会决议； 2.董事会专门委员会审议的证明文件。 特此公告。 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2023年10月12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次会议的通知，会议于2023年10 月26日在本行总行以现场会议方式召开。会议应出席董事13名，实际出席董事13 名（其中，委托出席的董事1名。因工作原因，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、相关高级管 理人员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 ...

青岛银行股份有限公司 境内同步披露公告 Bank of Qingdao Co., Ltd.* 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 2023 年 10 月 13 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，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本通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。 於本通告日期，董事會包括執行董事景在倫先生、吳顯明先生及劉鵬先生；非 執行董事周雲傑先生、Rosario Strano先生、譚麗霞女士、Marco Mussita先生及 鄧友成先生；獨立非執行董事 ...

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 2023 年 10 月 8 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 截至月份: 2023年9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 呈交日期: 2023年10月6日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | ...

证券代码:002948 证券简称:青岛银行 | --- | |--------------| | | | 投资者关系 | | 活动类别 | | | | 参与单位名称 | | 及人员姓名 | | 时间 | | 地点 | | 上市公司接待 | | 人员姓名 | | | | | 1、新战略规划的落地执行情况如何?2023 年上半年取 得了哪些进展? 答:尊敬的投资者,您好。2023 年是我行执行《青岛银 行 2023-2025 年战略规划》的开局之年,各项战略任务正稳 步推进中。2023 年上半年,在新三年规划的指引下,我行围 投资者关系活 绕"高质量发展、质效优先"的战略核心,聚焦"调结构、 动主要内容 强客基、优协同、提能力"四大战略主题,推动公司业务、 介绍 零售业务、金融市场业务和国际业务四大板块业务模式升 级,推动十二大利润中心建设。 一是资产负债和收入结构不断优化。我行持续加强资产 负债结构优化并取得积极成效。在资产端,坚持服务实体经 济,持续加大普惠贷款和制造业贷款的投放力度,上半年公 司普惠贷款较 2022 年末增加 38.63 亿元,增幅达到 14.24%。 在负债端,结构优化成效明显,存款占比持 ...

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 2023 年 9 月 5 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 截至月份: 2023年8月31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 呈交日期: 2023年9月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | - ...

Financial Performance - Net interest income for the first half of 2023 reached RMB 4,509,411, an increase of 13.45% compared to RMB 3,974,750 in the same period of 2022[10]. - Non-interest income decreased by 16.78% to RMB 1,861,400 from RMB 2,236,590 year-on-year[10]. - Total operating income for the first half of 2023 was RMB 6,370,811, reflecting a growth of 2.57% from RMB 6,211,340 in the previous year[10]. - Pre-tax profit increased by 19.87% to RMB 2,786,303, up from RMB 2,324,371 in the first half of 2022[10]. - Net profit attributable to shareholders of the parent company rose by 15.72% to RMB 2,335,704 from RMB 2,018,395 year-on-year[10]. - Net profit for the period was CNY 2.41 billion, reflecting a year-on-year growth of CNY 347 million or 16.85%[19]. - Operating income reached 6.371 billion RMB, an increase of 159 million RMB, or 2.57% year-on-year, with a 9.67% increase when excluding the impact of overseas preferred stock redemption[26]. Assets and Liabilities - Total assets as of June 30, 2023, amounted to RMB 568,400,907, a growth of 7.32% from RMB 529,613,992 at the end of 2022[11]. - Total liabilities reached RMB 529.61 billion, an increase of RMB 36.59 billion or 7.42% compared to the end of last year[67]. - Customer deposits reached RMB 370,052,195, an increase of 8.41% from RMB 341,347,176 at the end of 2022[11]. - Total customer loans amounted to RMB 288,835,557, increasing by 7.36% from RMB 269,029,452 at the end of 2022[11]. - Shareholders' equity reached RMB 38.79 billion, an increase of RMB 2.19 billion or 6.00% compared to the end of last year[76]. Loan Quality and Risk Management - The non-performing loan ratio improved to 1.14% from 1.21% year-on-year[12]. - The company's credit impairment losses decreased by 12.08% year-on-year, contributing to the steady growth of net profit[25]. - The company maintained a prudent provisioning policy, ensuring compliance with regulatory requirements[94]. - The non-performing loan ratio has continued to decline, achieving the target for asset quality control[156]. - The company strengthened the management of non-performing assets, optimizing disposal strategies and improving operational capabilities[95]. Customer and Market Development - The number of new customer accounts opened reached 23,000, a historical high, with an increase of 1,950 loan accounts, representing a growth of 38.61%[21]. - Retail deposits increased by 20.68 billion RMB, achieving the best level for the same period in history, while personal loan business market share increased steadily[22]. - The company added 8,729 new corporate clients for payroll services, a year-on-year growth of 153.90%[128]. - The number of retail customers reached 8.0725 million, an increase of 362,800 customers or 4.71% from the previous year[127]. Digital Transformation and Innovation - The company implemented a digital transformation strategy, enhancing data governance and improving data quality significantly[23]. - The bank's digital transformation strategy has been upgraded, focusing on product differentiation and intelligent operations[128]. - The company has launched 24 key products during the reporting period, transforming core products from offline to online and from complex to standardized[152]. - The company has implemented a new "Group Intelligent Credit Risk Early Warning Platform" to enhance credit risk assessment and warning capabilities[156]. Governance and Compliance - The company emphasizes the establishment and implementation of an effective internal control system to ensure prudent operations within legal and policy frameworks[186]. - The company has established a comprehensive internal control system covering all business activities, risk management activities, and support activities[187]. - The company did not distribute cash dividends, issue bonus shares, or convert capital reserves into share capital during the reporting period[185]. - The company has not been penalized for violating environmental protection laws and regulations during the reporting period[188]. Strategic Focus and Future Outlook - The company plans to continue focusing on structural adjustments, strengthening customer base, optimizing collaboration, and enhancing capabilities in the second half of the year[23]. - The economic outlook for the second half of the year remains positive, with expectations of continued recovery supported by fiscal and monetary policies aimed at expanding domestic demand[173]. - Key strategies for the second half include accelerating business investment, optimizing liabilities, and enhancing risk management capabilities[175]. - The company aims to enrich its product offerings in inclusive finance and deepen cooperation to strengthen risk control[175].

证券代码：002948 证券简称：青岛银行 公告编号：2023-041 青岛银行股份有限公司 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"）已披露本行2023年半年度报告，为 加强与投资者的沟通交流，使投资者更加全面、深入地了解本行，本行拟通过网络 互动的方式举行2023年半年度业绩说明会，欢迎广大投资者积极参与。 一、业绩说明会安排 （一）召开时间：2023年9月7日（星期四） 10:00-11:00 （二）出席人员：本行董事长景在伦先生、行长吴显明先生、副行长陈霜女士、 独立董事代表、董事会秘书张巧雯女士。如有特殊情况，参会人员可能调整。 （三）会议召开方式：网络互动 二、投资者参加方式 （一）投资者可登陆全景网"投资者关系互动平台" （https://rs.p5w.net/html/139725.shtml）或扫描以下二维码参与本次半年度业绩说 明会。 关于召开 2023 年半年度业绩说明会并征集问题的公告 1 （二）投资者如需提问，可于2023年9月6日17:00前将与本行2023年上半年经 营业绩相关的问题通过电 ...

Financial Performance - The bank reported a total revenue of RMB 1.2 billion for the first half of 2023, representing a year-on-year increase of 15%[9]. - Net profit attributable to shareholders reached RMB 500 million, up 10% compared to the same period last year[9]. - Net profit for the first half of 2023 was RMB 2,407,536 thousand, reflecting a growth of 16.85% from RMB 2,060,334 thousand in the same period last year[10]. - Future guidance indicates a target net profit growth of 12% for the full year 2023[9]. - The effective tax rate increased to 13.59%, up 2.23 percentage points year-on-year, primarily due to the growth in total profit[27]. Asset and Liability Management - The bank's total assets increased to RMB 150 billion, reflecting a growth of 8% year-on-year[9]. - Total assets as of June 30, 2023, amounted to RMB 568,400,907 thousand, representing a 7.32% increase from RMB 529,613,992 thousand at the end of 2022[11]. - The bank's total liabilities amounted to RMB 529.61 billion, an increase of RMB 36.59 billion or 7.42% compared to the end of 2022[73]. - The bank's total deposits reached RMB 377.74 billion, up RMB 29.69 billion or 8.53% year-on-year, accounting for 71.32% of total liabilities[75]. - The bank's equity attributable to shareholders reached RMB 379.39 billion, an increase of RMB 21.22 billion or 5.93% year-on-year[81]. Loan and Deposit Growth - Customer deposits grew by 12% to RMB 120 billion, indicating strong customer confidence[9]. - Customer loans totaled RMB 288,835,557 thousand, up 7.36% from RMB 269,029,452 thousand year-on-year[10]. - Total customer deposits were RMB 370.052 billion, increasing by RMB 28.705 billion, or 8.41% from the previous year[23]. - The bank's total customer loans, including accrued interest, reached RMB 288.84 billion, an increase of 7.36% compared to the end of 2022[62]. - Retail deposits balance was 168.010 billion CNY, up 20.682 billion CNY, representing a growth of 14.04%[134]. Non-Performing Loans and Asset Quality - The non-performing loan ratio improved to 1.5%, down from 1.8% in the previous year[9]. - The non-performing loan ratio improved to 1.14% from 1.21% in the same period last year[12]. - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies[61]. - The bank's loan impairment provisions increased to RMB 7,814,419 thousand, a rise of 9.49% from the previous year, with a provision coverage ratio of 237.34%[100]. - The bank's focus on improving asset quality is evident, with a decrease in the proportion of substandard loans to 0.43% and suspicious loans to 0.29% as of June 30, 2023[90]. Digital Transformation and Innovation - The bank plans to expand its digital banking services, aiming for a 20% increase in online transactions by the end of 2023[9]. - The company initiated a digital transformation strategy, enhancing data governance and risk management capabilities[26]. - The bank's digital transformation strategy focuses on "online, mobile, and intelligent" development, enhancing service capabilities across four key areas[156]. - The bank launched 28 new projects and successfully put 43 projects into production during the reporting period[156]. - Mobile banking users reached 4.9035 million, an increase of 324,800 users or 7.09% compared to the previous year[153]. Risk Management - The company has implemented a comprehensive risk management strategy, including the establishment of a risk preference indicator system and enhanced monitoring of credit risk across all credit asset portfolios[160]. - The company has launched a smart credit risk warning platform to enhance credit risk assessment and early warning capabilities during the credit management process[161]. - The company actively monitors external policy changes and adjusts its pricing strategies and asset-liability structure to manage interest rate risks effectively[168]. - The operational risk control situation is reported to be good, with effective measures taken to prevent operational risks[176]. - The bank's risk management framework is overseen by the board and includes an audit committee to ensure effective implementation[193]. Community Engagement and Corporate Social Responsibility - The bank actively engaged in community service, organizing 404 community events with over 34,000 participants[197]. - The bank has established a comprehensive consumer rights protection system, enhancing customer service experiences[198]. - The bank implemented 111 free service projects to maximize benefits for enterprises[196]. - The bank's green credit balance reached CNY 23.528 billion, an increase of CNY 2.604 billion, representing a growth of 12.45% compared to the beginning of the year[196]. - The bank has not been penalized for any environmental protection violations during the reporting period[195]. Governance and Shareholder Engagement - The company held its first extraordinary shareholders' meeting in 2023 with a participation rate of 64.81% on February 10, 2023[182]. - The annual shareholders' meeting in 2023 had a participation rate of 68.80% and approved eight resolutions, including the financial report for 2022 and the profit distribution plan[182]. - The company emphasizes the integration of party leadership and corporate governance to enhance governance effectiveness and compliance[181]. - The bank did not distribute cash dividends or issue bonus shares during the reporting period[192]. - The company has seen changes in its board members, including the election of Wu Xianming as the executive director and president on March 20, 2023[188].

Financial Performance - Bank of Qingdao reported its unaudited interim results for the six months ended June 30, 2023[1]. - The financial report was reviewed by KPMG according to both Chinese and international review standards[2]. - Net interest income for the first half of 2023 reached RMB 4,509,411 thousand, an increase of 13.45% compared to RMB 3,974,750 thousand in the same period of 2022[10]. - Non-interest income decreased by 16.78% to RMB 1,861,400 thousand from RMB 2,236,590 thousand year-on-year[10]. - Total operating income for the first half of 2023 was RMB 6,370,811 thousand, reflecting a growth of 2.57% from RMB 6,211,340 thousand in the previous year[10]. - The net profit attributable to shareholders of the parent company increased by 15.72% to RMB 2,335,704 thousand, compared to RMB 2,018,395 thousand in the same period last year[10]. - Operating income was RMB 6.37 billion, an increase of RMB 159 million, representing a growth of 2.57% year-on-year; net profit reached RMB 2.41 billion, up RMB 347 million, growing by 16.85%[24]. - The net profit for the reporting period was CNY 2.41 billion, representing a year-on-year growth of 16.85%[16]. Assets and Liabilities - Total assets as of June 30, 2023, amounted to RMB 568,400,907 thousand, representing a growth of 7.32% from RMB 529,613,992 thousand at the end of 2022[11]. - Total liabilities reached RMB 529.61 billion, an increase of RMB 36.59 billion or 7.42% compared to the end of last year[67]. - Customer loans totaled RMB 288,835,557 thousand, up 7.36% from RMB 269,029,452 thousand at the end of 2022[11]. - Total customer deposits increased by 8.41% to RMB 370,052,195 thousand from RMB 341,347,176 thousand at the end of 2022[11]. - The bank's equity attributable to shareholders increased to RMB 379.39 billion, reflecting a growth of RMB 21.22 billion or 5.93%[76]. Risk Management - The company emphasizes the importance of risk awareness in its forward-looking statements, which are based on current plans and estimates[2]. - The interim report includes detailed descriptions of major risks and corresponding measures[2]. - The non-performing loan ratio improved to 1.14% from 1.21% at the end of 2022[12]. - The company has established a comprehensive risk warning mechanism for group client credit, ensuring overall credit risk remains controllable[96]. - The company has strengthened its measures for managing non-performing assets, focusing on improving operational capabilities and optimizing disposal strategies[95]. Corporate Governance - The board of directors confirmed the accuracy and completeness of the interim report, with all 13 directors present at the meeting[2]. - The company held an extraordinary shareholders' meeting on February 10, 2023, with a participation rate of 64.81%[177]. - The annual shareholders' meeting on May 31, 2023, had a participation rate of 68.80% and approved eight proposals, including the financial statements for 2022[178]. - The company is committed to modernizing its corporate governance system to achieve high-quality development[176]. Strategic Initiatives - The company is committed to green credit initiatives, focusing on energy-saving and environmental protection projects[6]. - The bank's strategic focus for 2023-2025 includes enhancing customer engagement and improving operational efficiency[17]. - The company plans to continue focusing on structural adjustments, enhancing customer base, and improving collaboration capabilities in the second half of the year[23]. - The company aims to optimize its asset-liability structure in response to currency fluctuations and macroeconomic conditions[167]. Digital Transformation - The company has initiated the construction of a new generation distributed core system to support its three-year strategic plan and digital transformation[152]. - The company has launched 24 key products during the reporting period, transforming core products from offline to online and from complex to standardized[152]. - The company has made significant progress in digital infrastructure construction, optimizing data governance and enhancing data quality control[152]. Community Engagement - The bank organized 404 community "Party Building + Volunteer" activities, reaching over 34,000 participants[190]. - The bank's "Qingxin" consumer protection brand continued to lead financial education efforts during the reporting period[191]. Compliance and Legal Matters - The company has not been penalized for violating environmental protection laws and regulations during the reporting period[188]. - The company has not been involved in any criminal investigations or faced criminal penalties during the reporting period[198]. - There are no major administrative penalties imposed by regulatory authorities on the company or its executives[198].

证券代码：002948 证券简称：青岛银行 公告编号：2023-037 青岛银行股份有限公司监事会决议公告 青岛银行股份有限公司监事会 2023 年 8 月 28 日 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 备查文件 经与会监事签字的通讯表决书及加盖监事会印章的监事会决议。 特此公告。 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2023年8月23日以电子邮件方式 向监事发出关于召开第八届监事会第十九次会议的通知，会议于2023年8月28日以 通讯表决方式召开，应参与表决监事7名，实际表决监事7名。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。 会议审议通过了青岛银行股份有限公司关于《青岛银行 2023-2025 年战略规 划》的评估报告 ...