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。 2023 年 8 月 18 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。 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） （H股股份代號：3866) 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 董事會會議通告 青島銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，本行將於2023年8 ...

Group 1: Credit and Loan Performance - In 2023, Qingdao Bank's corporate loan total reached 14.763 billion CNY, reflecting a growth of 7.55% compared to the end of 2022 [2] - The bank's strategy focuses on "high-quality development and prioritizing efficiency," leading to increased credit issuance and product innovation [2] - The bank aims to enhance credit support for projects with good comprehensive returns and long-term development prospects, particularly in green economy, inclusive small and micro enterprises, agriculture, and technology finance [2] Group 2: Business Diversification and Licenses - Qingdao Bank is the first city commercial bank in Shandong Province to obtain a fund custody license, becoming the ninth city commercial bank in China to receive this qualification [3] - The bank has established subsidiaries, Qingyin Financial Leasing and Qingyin Wealth Management, to diversify its operations [3] - The bank plans to leverage its diverse business licenses to enhance comprehensive financial service capabilities and contribute to regional economic development [3] Group 3: Fee Income and Growth - In Q1 2023, the bank's net fee and commission income was 475 million CNY, an increase of 63 million CNY, representing a growth rate of 15.17% year-on-year [3] - The growth in fee income is driven by the steady increase in wealth management product scale and improvements in insurance sales, trade settlement, guarantee letters, and credit card services [3] - The bank's recent acquisition of a securities investment fund custody qualification is expected to further boost fee income in the future [3]

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 | | | | | | | | | | | | | | | | | | 投资者关系活动主要内容 | | 介绍 | | | | | | | | | | | | | | | 1 青岛银行股份有限公司投资者关系活动记录表 | --- | |--------------------------------------------------------| | 3. 贵行子公司青银理财今年表现如何？ | | 答：在 2022 年市场波动的大环境下，青银理财产品表现 | | 稳定，在同业和客户间的认可度较高。2023 年一季度，青银 | | 理财延续良好发展态势，产品规模稳健增长，行外渠道合作 | | 家数、代销规模及占比有效提升。理财产品保持稳健运作， | | 其中"固收+"主题系列产品，以优质固收资产打底构筑安全 | | 垫，采用绝对收益策略，注重大类资产配 ...

Financial Performance - Operating income for Q1 2023 reached RMB 3,093,053 thousand, a 15.54% increase compared to RMB 2,677,018 thousand in Q1 2022[3] - Net profit attributable to shareholders of the parent company was RMB 910,066 thousand, reflecting a 15.83% growth from RMB 785,669 thousand in the same period last year[3] - Basic earnings per share for Q1 2023 was RMB 0.16, up 6.67% from RMB 0.15 in Q1 2022[3] - The bank's total comprehensive income for Q1 2023 was RMB 944,366 thousand, an increase from RMB 720,344 thousand in Q1 2022[33] - Interest income for Q1 2023 was RMB 2,198 million, up 14.67% from the previous year[17] - Non-interest income reached RMB 895 million, a growth of 17.72% year-on-year[17] - Net profit attributable to shareholders was RMB 910 million for Q1 2023, representing a year-on-year increase of 15.83%[17] Asset and Liability Management - Total assets as of March 31, 2023, amounted to RMB 552,287,242 thousand, representing a 4.28% increase from RMB 529,613,992 thousand at the end of 2022[3] - Total liabilities as of March 31, 2023, amounted to RMB 514,749,581 thousand, an increase from RMB 493,020,697 thousand as of December 31, 2022[26] - Total equity attributable to shareholders of the parent company increased to RMB 36,723,569 thousand as of March 31, 2023, compared to RMB 35,816,312 thousand at the end of 2022[26] - The bank's total assets reached RMB 552,287,242 thousand as of March 31, 2023, up from RMB 529,613,992 thousand at the end of 2022[26] Cash Flow Analysis - Net cash flow from operating activities improved significantly to RMB 5,931,055 thousand, a 137.66% increase from a negative RMB 15,750,164 thousand in Q1 2022[3] - The net increase in cash and cash equivalents for Q1 2023 was RMB 4,671,504 thousand, compared to a decrease of RMB 17,002,739 thousand in Q1 2022[39] - The ending balance of cash and cash equivalents as of March 31, 2023, was RMB 16,180,501 thousand, compared to RMB 25,850,629 thousand at the end of Q1 2022[39] - Cash inflow from financing activities was RMB 21,010,360 thousand in Q1 2023, down from RMB 30,010,760 thousand in Q1 2022[38] Credit Quality - The non-performing loan ratio improved to 1.14% from 1.21% at the end of 2022, indicating better asset quality[8] - The provision coverage ratio increased to 232.79%, up 13.02 percentage points from the end of 2022[17] - The bank's credit impairment losses for Q1 2023 were RMB 1,120,443 thousand, compared to RMB 956,431 thousand in Q1 2022[31] Capital Adequacy - The bank's capital adequacy ratio stood at 13.27% as of March 31, 2023, slightly down from 13.56% at the end of 2022[8] - Core Tier 1 capital adequacy ratio stood at 8.61%, a slight decrease of 0.14 percentage points from the end of 2022[12] Customer Engagement - Total customer loans reached RMB 283,187,109 thousand as of March 31, 2023, an increase of 5.26% from RMB 269,029,452 thousand at the end of 2022[11] - Total customer deposits amounted to RMB 357,727,345 thousand, reflecting a growth of 4.80% compared to RMB 341,347,176 thousand at the end of 2022[11] - The bank has enhanced its support for small and micro enterprises, with loans to private enterprises reaching RMB 72,320 million, an increase of 0.78% from the end of 2022[18] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period is 70,412, with the top ten shareholders holding a combined 66.84% of shares[19] - The largest shareholder, Hong Kong Central Clearing Limited, holds 21.87% of shares, amounting to 1,272,956,224 shares[19]

Financial Performance - Operating income for Q1 2023 reached RMB 3,089,260, an increase of 15.32% compared to RMB 2,678,811 in Q1 2022[2] - Net profit attributable to shareholders was RMB 910,066, reflecting a growth of 15.83% from RMB 785,669 in the same period last year[2] - Basic earnings per share for Q1 2023 was RMB 0.16, up 6.67% from RMB 0.15 in Q1 2022[2] - The company's net profit attributable to shareholders for Q1 2023 was RMB 910 million, representing a year-on-year increase of 15.83%[13] - The net interest income for Q1 2023 was RMB 2.20 billion, up 14.67% year-on-year[13] - Total comprehensive income for Q1 2023 was RMB 944,366 thousand, compared to RMB 720,344 thousand in Q1 2022, representing a growth of 31.1%[23] - Net profit for Q1 2023 was RMB 947,175 thousand, up 18.9% from RMB 796,803 thousand in Q1 2022[23] Cash Flow and Liquidity - The net cash flow from operating activities was RMB 5,931,055, a significant increase of 137.66% compared to a negative cash flow of RMB 15,750,164 in Q1 2022, primarily due to increased deposits[4] - Cash flow from operating activities for Q1 2023 was RMB 5,931,055 thousand, a significant improvement compared to a cash outflow of RMB 15,750,164 thousand in Q1 2022[28] - The cash and cash equivalents increased by RMB 4,671,504 thousand during the first quarter of 2023, while there was a decrease of RMB 17,002,739 thousand in the first quarter of 2022[29] - The net increase in cash and cash equivalents as of March 31, 2023, was RMB 16,180,501 thousand, compared to RMB 25,850,629 thousand as of March 31, 2022[29] Assets and Liabilities - Total assets as of March 31, 2023, amounted to RMB 552,287,242, representing a 4.28% increase from RMB 529,613,992 at the end of 2022[2] - Total liabilities increased by 4.41% to RMB 514,749,581 from RMB 493,020,697 at the end of 2022[2] - The bank's total assets as of March 31, 2023, amounted to RMB 552,287,242 thousand, an increase from RMB 529,613,992 thousand as of December 31, 2022[24] - The bank's equity attributable to shareholders increased to RMB 36,723,569 thousand as of March 31, 2023, from RMB 35,816,312 thousand at the end of 2022[25] Asset Quality - The non-performing loan ratio was 1.14%, a decrease from 1.21% at the end of 2022, indicating improved asset quality[5] - The non-performing loan ratio as of March 31, 2023, was 1.14%, a decrease of 0.07 percentage points from the end of 2022[13] - The bank's non-performing loan ratio improved to 1.5% as of March 31, 2023, compared to 1.7% at the end of 2022[24] Capital Adequacy - The capital adequacy ratio stood at 13.27% as of March 31, 2023, slightly down from 13.56% at the end of 2022[5] - The capital adequacy ratio stood at 13.27% as of March 31, 2023, down 0.29 percentage points from the end of 2022[8] - The core tier 1 capital adequacy ratio was 8.61%, a decrease of 0.14 percentage points from the end of 2022[8] Customer Loans and Deposits - As of March 31, 2023, total customer loans amounted to RMB 283.19 billion, an increase of 5.26% from the end of 2022[7] - Total customer deposits reached RMB 357.73 billion, reflecting a growth of 4.80% compared to the end of 2022[7] - Customer deposits increased to RMB 364,923,271 thousand as of March 31, 2023, from RMB 348,043,307 thousand at the end of 2022, reflecting a growth of 4.5%[24] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 70,412[15] - The top shareholder, Hong Kong Central Clearing (Agent), held 21.87% of the shares, totaling 1,272,956,224 shares[16] - The second-largest shareholder, Italy's UniCredit Bank, held 17.50% of the shares, totaling 1,018,562,076 shares[16] Business Initiatives - The company launched new products such as "Fast Loan with Housing Mortgage" and "Fast Loan with Guarantee" to enhance financing accessibility for small and micro enterprises[14] - The company is focused on improving the efficiency of business processing and has implemented a time-limited approval process for different business categories[14] - The company expanded its loan issuance, with corporate loans increasing by 7.55% year-on-year[7] - The outstanding loans to private enterprises amounted to RMB 72.32 billion, an increase of RMB 0.0562 billion or 0.78% compared to the end of the previous year[14] - The balance of inclusive small and micro loans reached RMB 28.261 billion, increasing by RMB 1.136 billion or 4.19% from the end of the previous year[14]

Financial Performance - Net interest income for 2022 was RMB 8,288,314 thousand, an increase of 8.41% compared to RMB 7,645,625 thousand in 2021[16] - Non-interest income decreased by 3.77% to RMB 3,360,941 thousand from RMB 3,492,748 thousand in the previous year[16] - Total operating income rose by 4.59% to RMB 11,649,255 thousand, up from RMB 11,138,373 thousand in 2021[16] - Operating expenses increased by 7.73% to RMB (4,218,441) thousand compared to RMB (3,915,738) thousand in 2021[16] - Profit before tax decreased by 2.77% to RMB 3,135,959 thousand from RMB 3,225,410 thousand in 2021[16] - Net profit for 2022 was RMB 3,167,525 thousand, reflecting a growth of 5.82% from RMB 2,993,213 thousand in 2021[16] - Profit attributable to shareholders of the parent company increased by 5.48% to RMB 3,082,775 thousand from RMB 2,922,664 thousand in the previous year[16] - Basic and diluted earnings per share were both RMB 0.45, a decrease of 11.76% from RMB 0.51 in 2021[16] - The company maintained a dividend distribution of RMB 0.16 per share, unchanged from the previous year[16] Assets and Liabilities - Total assets as of December 31, 2022, reached RMB 529.61 billion, a 1.41% increase from RMB 522.25 billion in 2021[17] - The bank's total liabilities reached RMB 493.02 billion, a slight increase of 0.84% from RMB 488.92 billion in 2021[17] - Customer loans totaled RMB 269.03 billion, reflecting a 10.17% growth compared to RMB 244.21 billion in the previous year[17] - Customer deposits amounted to RMB 341.35 billion, an 8.87% increase from RMB 313.52 billion in 2021[17] - The non-performing loan ratio improved to 1.21%, down from 1.34% in 2021, indicating better asset quality[18] - The provision coverage ratio increased to 219.77%, up from 197.42% in the previous year, enhancing risk management[18] - The core tier 1 capital adequacy ratio rose to 8.75%, compared to 8.38% in 2021, reflecting stronger capital position[18] - The weighted average return on equity decreased to 8.95%, down from 10.40% in 2021, indicating a decline in profitability[18] Risk Management - The company emphasizes the importance of risk management, detailing major risks and corresponding measures in the management discussion and analysis section[5] - The bank's comprehensive risk management system has been enhanced, focusing on digitalization and standardization to improve risk control capabilities[36] - The company has implemented strict management of non-performing assets, enhancing operational capabilities and optimizing disposal strategies to improve profitability[114] - The company maintains a prudent approach to credit risk management, ensuring that the credit risk of loans has not significantly increased since initial recognition[111] - The company has established a digital credit risk warning platform based on big data to improve risk assessment and early warning capabilities[174] Corporate Governance - The financial statements for 2022 were audited by KPMG, receiving a standard unqualified opinion, ensuring the accuracy and completeness of the financial report[4] - The company’s governance structure includes a board of directors and a supervisory board, ensuring accountability and transparency in operations[4] - The board of directors confirmed that all 13 members attended the meeting to approve the annual report, ensuring full participation in the decision-making process[4] - The company has no controlling shareholder or actual controller, maintaining independence in operations, personnel, assets, and finance[199] - The company is committed to enhancing corporate governance, aligning with regulatory requirements and improving investor relations management[199] Strategic Initiatives - The company plans to expand its market presence and enhance its product offerings as part of its future growth strategy[5] - The strategic plan for 2023-2025 focuses on adjusting structure, strengthening customer base, optimizing collaboration, and enhancing capabilities[25] - The company aims to enhance its service capabilities to the real economy while strengthening risk control and management compliance[193] - Key focus areas for 2023 include optimizing processes, enhancing team execution, accelerating digital transformation, and improving risk management policies[194] Digital Transformation - The company established a digital transformation committee to enhance digital capabilities and promote the construction of digital business platforms[25] - The digital transformation efforts led to the launch of the first electronic factoring business in the country and the first fully online domestic freight payment service in Shandong Province[28] - Digital transformation initiatives included the launch of 50 new projects and the completion of 54 projects, enhancing the integration of online and offline operations[42] Customer Engagement - The number of retail customers increased by 53,400 to a total of 353,100, marking a growth rate of 17.82%[146] - The number of new corporate clients for payroll services increased by 7,179, a growth of 77.48% year-on-year[146] - The company launched a self-operated internet loan brand "Hai Rong Yi Dai," issuing loans totaling 531 million yuan across nearly 6,000 transactions[148] - The credit card business issued 650,800 new cards, totaling 3,652,400 cards, a year-on-year increase of 21.68%[149] Financial Products and Services - The company launched 508 wealth management products during the reporting period, raising a total of 678.085 billion RMB, all of which were net value non-principal guaranteed products[160] - The total balance of wealth management products reached 200.815 billion RMB, a year-on-year increase of 19.67%[160] - The company issued 64 billion RMB of perpetual bonds, setting a new benchmark for similar products in the city commercial bank sector[159] Market Position - The bank ranked 268th in the "Top 500 Service Enterprises in China" list, showcasing its competitive position in the industry[38] - The bank was awarded the highest rating of A in the Shenzhen Stock Exchange's information disclosure assessment for six consecutive years[38] Future Outlook - In 2023, the economic recovery in China is expected to be moderate, supported by consumption restoration and rapid growth in infrastructure and manufacturing investments[192] - The company will continue to improve its anti-fraud system and enhance real-time monitoring of fraud risks[191] - The company is committed to supporting the manufacturing sector and green low-carbon development as part of its service to the real economy[193]

证券代码：002948 证券简称：青岛银行 公告编号：2023-019 青岛银行股份有限公司 关于召开 2022 年度业绩说明会并征集问题的公告 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"）已披露本行2022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，本行拟通过网络直播 的方式举行2022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4月14日（星期五） 15:00-16:30 （二）出席人员：本行董事长景在伦先生、行长吴显明先生、部分高级管理层 成员、独立董事代表及主要部门负责人等。如有特殊情况，参会人员可能调整。 （三）会议召开方式：网络直播 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/136351.shtml）或扫描以下二维码参与本次年度业绩说明 会。 1 （二）投资者如需提问，可于2023年4月11日16:00前将与本行2022年度经营 业绩相关的问题通过电子邮件的形式 ...

Dividend and Shareholder Information - The company plans to distribute a cash dividend of RMB 1.60 per 10 shares to all ordinary shareholders, subject to shareholder approval[2]. - The company declared dividends of 931 million RMB to ordinary shareholders and 510 million RMB to preferred shareholders during the reporting period[95]. Financial Performance - Net interest income for 2022 reached RMB 8,288,314 thousand, an increase of 8.41% compared to RMB 7,645,625 thousand in 2021[14]. - Total operating income was RMB 11,644,007 thousand, reflecting a growth of 4.56% from RMB 11,136,017 thousand in the previous year[14]. - Net profit for 2022 was RMB 3,167,525 thousand, representing a year-on-year increase of 5.82% from RMB 2,993,213 thousand in 2021[14]. - Customer loans totaled RMB 269,029,452 thousand, marking a 10.17% increase from RMB 244,205,480 thousand in 2021[14]. - Total assets as of December 31, 2022, amounted to RMB 529,613,992 thousand, a 1.41% increase from RMB 522,249,610 thousand at the end of 2021[14]. - Customer deposits reached RMB 341,347,176 thousand, up 8.87% from RMB 313,524,923 thousand in 2021[14]. - The bank's basic earnings per share decreased by 11.76% to RMB 0.45 from RMB 0.51 in 2021[14]. - The bank's total capital net amount was RMB 45,212,218 thousand, a decrease of 3.96% from RMB 47,075,226 thousand in 2021[15]. - The bank's net profit for 2022 was CNY 3.168 billion, an increase of CNY 174 million or 5.82% year-on-year[26]. Risk Management - The report emphasizes the importance of risk management, detailing major risks and corresponding mitigation strategies[3]. - The bank's strategy includes enhancing risk control efficiency and optimizing non-performing asset management to improve overall asset quality[115]. - The bank established a unified credit and credit risk management system, marking a significant milestone in comprehensive risk management[169]. - The bank's liquidity risk management policies align with regulatory requirements and ensure sufficient cash flow to meet obligations[173]. Capital and Funding - The bank completed an A+H share placement, raising RMB 4.155 billion to enhance core tier one capital[35]. - The company's capital adequacy ratio stood at 13.56% at the end of 2022, reflecting a solid capital structure[29]. - The core tier 1 capital adequacy ratio increased to 8.75% from 8.38%, an increase of 0.37%[17]. - The net amount of Tier 1 capital increased to RMB 35,643,177 thousand in 2022 from RMB 32,823,496 thousand in 2021, representing an increase of about 5.6%[127]. Digital Transformation and Innovation - The bank's digital transformation committee was established to enhance digital capabilities and promote the development of digital products and services[24]. - The bank's digital transformation strategy includes significant investments in fintech resources and the establishment of a digital transformation committee[168]. - The bank launched 50 IT projects and successfully completed 54 projects, including the "Corporate Intelligent Marketing Management Platform" and "Mobile Banking 6.0" during the reporting period[168]. Corporate Governance - The bank emphasized the importance of enhancing corporate governance to achieve sustainable and high-quality development, with a focus on investor relations management[195]. - There were no significant discrepancies found between the bank's governance practices and regulatory requirements during the reporting period[195]. - The bank maintained independence in operations, finance, and management, with no controlling shareholder or actual controller[196]. Customer and Market Development - The bank's retail banking business generated 2.301 billion RMB in revenue for 2022, accounting for 19.76% of total segment revenue[99]. - The number of retail customers with financial assets exceeded 300 billion yuan, with high-end customers holding an average of 257.410 billion yuan, accounting for 86.91%[148]. - The bank's international business client base expanded to 2,212, a rise of 709 clients or 47.17%[156]. Asset Quality and Loan Management - The non-performing loan ratio improved to 1.21% from 1.34% year-over-year, a decrease of 0.13%[17]. - The provision coverage ratio increased to 219.77%, up 22.35 percentage points year-on-year[36]. - The bank's loans for fixed assets reached RMB 56,731,865 thousand, representing 21.09% of total loans, up from 22.45% in 2021[107]. Economic Outlook and Strategic Focus - In 2023, the company anticipates a moderate economic recovery in China, supported by consumption and investment growth, particularly in Shandong Province and Qingdao City[188]. - The company's strategic focus for 2023 includes strengthening advantages, addressing weaknesses, and enhancing service capabilities for the real economy[189]. - The company will continue to support manufacturing, green development, and high-tech industries as part of its commitment to serving the real economy[189].