Group 1: Policy and Financial Support - The Ministry of Finance, the Central Bank, and the Financial Regulatory Bureau issued a policy to provide interest subsidies for personal consumption loans, targeting eight service sectors including catering, health, and tourism [1] - Loans eligible for interest subsidies must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and service supply capacity [1] Group 2: Banking Sector Performance - As of the end of Q2 2025, the balance of non-performing loans in commercial banks was 3.4 trillion yuan, a decrease of 24 billion yuan from the previous quarter, with a non-performing loan ratio of 1.49%, down by 0.02 percentage points [2] - The balance of normal loans in commercial banks reached 226.8 trillion yuan, with a provision coverage ratio of 211.97%, up by 3.84 percentage points from the previous quarter [2] Group 3: Loan and Deposit Growth - By the end of July 2025, the balance of RMB loans was 268.51 trillion yuan, showing a year-on-year growth of 6.9%, with household loans increasing by 680.7 billion yuan [3] - The balance of RMB deposits reached 320.67 trillion yuan, with a year-on-year increase of 8.7%, and household deposits increased by 966 billion yuan [3] Group 4: Credit Card Innovations - Shanghai Pudong Development Bank launched a cultural-themed credit card featuring designs inspired by the Palace Museum, offering rewards for monthly spending [4] - Inner Mongolia Bank introduced a government credit card for public sector employees, which can also be used for personal consumption [5] Group 5: Consumer Financing Trends - WeChat's "Fenfu" launched a borrowing feature allowing users to access credit based on transaction history, facilitating consumer spending [8] - Kuaishou introduced a self-operated lending platform "Shengxin Jie," with a reported annual interest rate of approximately 20% [9] Group 6: Consumer Price Index and Retail Growth - In July, the Consumer Price Index remained stable, with a slight overall decrease of 0.1% year-on-year, while the retail sales of consumer goods grew by 3.7% [10][11]

Group 1 - The core point of the announcement is that Qingdao Bank has received regulatory approval to issue capital supplement tools up to 2 billion RMB [1] - The approval was granted by the Qingdao Regulatory Bureau of the National Financial Supervision Administration, allowing the bank to decide on the specific types, issuance timing, batches, and scale of the tools within the approved limit [1] - The bank is required to comply with the relevant regulations, including the "Measures for the Management of Capital of Commercial Banks," and ensure proper management and disclosure of the capital tool issuance [1]

Group 1 - The core point of the article is that Qingdao Bank has received approval to issue capital supplement tools up to 2 billion RMB [1] - The bank's annual shareholders' meeting scheduled for May 28, 2025, will review the proposal for the issuance of capital supplement tools [1] - Qingdao Bank is required to comply with relevant regulations, including the Commercial Bank Capital Management Measures, during the issuance process [1]

Core Viewpoint - Qingdao Bank has received approval from the Qingdao Regulatory Bureau of the National Financial Supervision Administration to issue capital instruments not exceeding 2 billion RMB [1] Group 1 - The approval allows Qingdao Bank to independently decide on the specific types, issuance timing, batches, and scale of the capital instruments within the approved limit [1] - The bank is required to complete the issuance within 24 months after receiving the approval [1]

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 * H 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 2025 年 8 月 15 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.* 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2025年8月28日 （星期四）舉行董事會會議，藉以考慮及批准本行及其附屬公司截至2025年6 ...

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2025年5月28日召开的2024年 度股东大会审议通过了《青岛银行股份有限公司关于资本补充工具计划发行额度的 议案》。 证券代码：002948 证券简称：青岛银行 公告编号：2025-024 青岛银行股份有限公司 关于资本工具计划发行额度获得监管机构批复的公告 近日，本行已收到《国家金融监督管理总局青岛监管局关于青岛银行发行资本 工具的批复》（青金复〔2025〕166号），国家金融监督管理总局青岛监管局同意 本行发行不超过20亿元人民币的资本补充工具，本行可在批准额度内，自主决定具 体工具品种、发行时间、批次和规模，并于批准后24个月内完成发行。 本行将严格遵守《商业银行资本管理办法》等有关规定，做好资本工具发行管 理及信息披露工作。 特此公告。 青岛银行股份有限公司董事会 2025年8月15日 ...

Core Viewpoint - Qingdao Bank has received approval from the Qingdao Regulatory Bureau of the National Financial Supervision Administration to issue capital instruments not exceeding 2 billion RMB [1] Group 1 - The approval allows Qingdao Bank to independently decide on the specific types, issuance timing, batches, and scale of the capital instruments within the approved limit [1] - The issuance must be completed within 24 months following the approval [1]

Core Points - Qingdao Bank has announced the approval of a capital supplement tool issuance plan at the 2024 annual shareholders' meeting scheduled for May 28, 2025 [1] - The bank has received approval from the Qingdao Regulatory Bureau of the National Financial Supervisory Administration to issue capital supplement tools not exceeding 2 billion RMB [1] - The bank has the autonomy to decide on the specific types, issuance timing, batches, and scale of the tools within the approved limit, with a requirement to complete the issuance within 24 months of approval [1]

Group 1 - The core point of the article is that Qingdao Bank has received approval to issue capital supplement tools up to 2 billion RMB [1] - The bank's annual shareholders' meeting scheduled for May 28, 2025, will review the proposal for the issuance of capital supplement tools [1] - The approval from the Qingdao Regulatory Bureau allows the bank to independently decide on the specific types, issuance timing, batches, and scale of the tools within the approved limit [1]

格隆汇8月15日丨青岛银行(03866.HK)公告，将于2025年8月28日(星期四)举行董事会会议，藉以考虑及 批准本行及其附属公司截至2025年6月30日止6个月的中期业绩及其他事宜。 ...