为进一步加强与投资者的互动交流，青岛银行股份有限公司（以下简称"本 行"）将参加由青岛证监局指导，青岛市上市公司协会与深圳市全景网络有限公 司联合举办的"2025 年青岛辖区上市公司投资者网上集体接待日活动"，现将相 关事项公告如下： 本次活动将采用网络远程的方式举行，投资者可登录"全景路演"网站 （http://rs.p5w.net），或关注微信公众号（名称：全景财经），或下载全景路演 APP， 参与本次互动交流。活动时间为 2025 年 5 月 12 日（周一）15:00 至 17:00。届时 本行董事会秘书张巧雯女士、计划财务部总经理李振国先生将以在线交流形式就 公司治理、发展战略、经营状况等投资者关注的问题与投资者进行沟通与交流。 欢迎广大投资者踊跃参与。 证券代码：002948 证券简称：青岛银行 公告编号：2025-018 青岛银行股份有限公司 关于参加 2025 年青岛辖区上市公司投资者 网上集体接待日活动的公告 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。 特此公告。 青岛银行股份有限公司董事会 2025年5月8日 ...

Investment Rating - The report maintains a "Buy" rating for Qingdao Bank (stock code: 002948) [1] Core Views - Qingdao Bank shows steady improvement in revenue growth and a rebound in net interest margin, with a revenue increase of 8.22% year-on-year in 2024 and a net profit growth of 20.16% [4] - The bank's strategy focuses on structural adjustments, enhancing customer base, optimizing collaboration, and improving capabilities, which supports its stable expansion and solid asset quality [4] Summary by Sections Revenue and Profitability - In 2024, Qingdao Bank's revenue grew by 8.22% year-on-year, while net profit increased by 20.16%. The weighted average ROE was 11.51%, up by 0.8 percentage points [4] - For Q4 2024, revenue and net profit grew by 8.5% and 44.53% year-on-year, respectively, driven by high growth in net interest income and other non-interest income [4] - In Q1 2025, revenue rose by 9.69% year-on-year, with net profit increasing by 16.42% [4] Net Interest Income and Margin - In 2024, net interest income increased by 6.38% year-on-year, with a notable growth of 11.97% in Q1 2025. The net interest margin for 2024 was 1.73%, down by 10 basis points year-on-year, but showed a rebound in Q1 2025 due to effective cost optimization [4] Loan and Deposit Growth - Total loans grew by 13.53% year-on-year in 2024, with corporate loans contributing significantly at 18.71% growth. Retail loan growth showed signs of recovery, with a 1.56% increase in Q1 2025 compared to the beginning of the year [4] - Total deposits increased by 12.13% year-on-year in 2024, with personal deposits growing by 16.64% [4] Non-Interest Income and Investment Gains - Non-interest income rose by 13.58% year-on-year in 2024, although intermediary income faced pressure, declining by 6.39% [4] - Investment income saw significant growth, with increases of 33.28% in 2024 and 188.64% in Q1 2025 [4] Asset Quality - The bank's non-performing loan ratio was 1.14% at the end of 2024, down by 4 basis points year-on-year, while the coverage ratio improved to 251.49% [4] - Retail loan risks increased slightly, with the non-performing loan ratio rising to 2.02% [4] Financial Projections - The report forecasts revenue growth rates of 8.22% for 2024 and 8.19% for 2025, with net profit growth rates of 20.16% and 15.10% respectively [42]

Core Viewpoint - Shandong Province is accelerating the development of its marine economy, which has become a significant growth engine for the local economy, supported by innovative financial services from banks [1][2]. Group 1: Blue Finance Supporting Marine Economic Development - Shandong's marine economy is projected to exceed 1.8 trillion yuan in output by 2024, accounting for 18.3% of the province's GDP, positioning it as the second-largest in the country [2]. - "Blue finance" refers to financial services provided by institutions to support the sustainable development of the "blue economy," which includes various financial instruments such as blue credit, blue bonds, blue funds, blue investments, and blue insurance [2]. Group 2: Agricultural Bank's Support for Marine Fisheries - Agricultural Bank of Shandong has invested 170 million yuan in marine seed industry loans, focusing on integrated breeding and promotion to enhance technological innovation and results transformation [3]. - The bank offers "fishing boat loans" that allow fishermen to borrow up to 1 million yuan without collateral, addressing the financial challenges faced during the fishing off-season [3]. - The bank has also introduced "marine usage rights mortgage loans," allowing the use of marine area rights as collateral, which provides flexible guarantees for financing [4]. Group 3: Qingdao Bank's Blue Finance Initiatives - Qingdao Bank has developed the first commercial bank blue asset classification standard in China, categorizing blue assets into seven categories and 37 sub-industries to guide project financing [5]. - The bank's "Marine Sci-Tech Loan" offers credit up to 50 million yuan for marine technology enterprises, addressing the financing difficulties associated with high R&D costs and long return periods [6]. - Qingdao Bank has launched "Blue Chain" supply chain financial products to support logistics and shipping enterprises, providing various financing services [7]. Group 4: International Cooperation and Blue Syndicated Loans - Qingdao Bank collaborates with international financial institutions to explore new financing models for blue economy development, successfully securing a $150 million blue syndicated loan for marine-friendly projects [8]. - As of March 2025, Qingdao Bank's blue loan balance reached 19.205 billion yuan, reflecting a 14.44% increase compared to the previous year, indicating a growing contribution to the bank's overall corporate loan portfolio [9].

青岛银行股份有限公司 2024年度股东大会 会议文件 （A 股证券代码：002948） 2025 年 5 月 28 日 会议议程 会 议 议 程 现场会议时间：2025 年 5 月 28 日（星期三）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 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 2024 年度董事会工作报告 议案 2.青岛银行股份有限公司 2024 年度监事会工作报告 议案 3.青岛银行股份有限公司 2024 年度财务决算报告 议案 4.青岛银行股份有限公司 2024 年度利润分配方案 议案 5.青岛银行股份有限公司关于选聘 2025 年度会计师 事务所的议案 议案 6.关于青岛银行股份有限公司 2025 年日常关联交易 预计额度的议案 议案 7.青岛银行股份有限公司 2024 年度关联交易专项报 告 议案 8.关于青岛银行股份有限公司 2024 年-2026 ...

证券代码：002948 证券简称：青岛银行 公告编号：2025-017 青岛银行股份有限公司 关于召开 2024 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"）2024年度股东大会（以下简称"本次 股东大会"）定于2025年5月28日召开，会议有关事项通知如下： （二）股东大会的召集人：本行董事会，本行第九届董事会第十次会议审议通 过了关于召开青岛银行股份有限公司2024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：2025年5月28日（星期三）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2025年5月28 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2025年5 月28日9:15-15:00。 （五）会议的召开方式：本次股东大会采取现场表决与网络投票相结合的方 ...

Group 1 - Qingdao Huasaiberman Medical Cell Biology Co., Ltd. is advancing clinical trials thanks to timely bank credit support, specifically an 8 million yuan talent loan from Qingdao Bank [1] - Qingdao Bank has established a dedicated evaluation system for innovative enterprises, incorporating "soft power" factors such as technological leadership and team strength into its credit model, facilitating financing for asset-light companies [1] - Shandong province has introduced policies to address financing difficulties for innovative enterprises, including credit, guarantees, interest subsidies, and risk compensation, leading to the development of specialized loan products [1] Group 2 - Yiwopackaging Technology Co., Ltd. faced challenges with slow receivables and tight liquidity, but received a 5 million yuan "Innovation Credit Loan" from the Industrial and Commercial Bank of China, alleviating financial pressure [2] - The "Innovation Credit Loan" is based on a scoring system that evaluates companies' R&D efforts and innovation outcomes, with over 80 innovative enterprises in Zaozhuang High-tech Zone benefiting from this support [2] - The Industrial and Commercial Bank of China in Shandong has a technology enterprise loan balance exceeding 190 billion yuan, covering over 7,000 companies [2] Group 3 - Changxing Group Co., Ltd. successfully obtained a 5 million yuan loan using its patent as collateral, which is being used for new product development and ensuring timely order delivery [3] - As of March, Shandong province's technology loan balance reached 2.7 trillion yuan, reflecting a year-on-year growth of 21.2% [3]

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report indicates that the banking sector is experiencing a decline in interest margins, which is expected to continue impacting performance negatively. The overall economic environment remains challenging, with ongoing pressures on profitability and operational efficiency [6][15][17]. Summary by Sections 1. Overall Performance and Non-Interest Income - The banking sector's performance in Q1 2025 shows a decline in profitability compared to Q4 2024, with a year-on-year decrease in net profit attributable to shareholders. The decline is attributed to reduced interest margins and non-interest income pressures [6][15]. 2. Scale and Demand - There is a noticeable differentiation in demand across different banking segments, with larger banks showing more resilience compared to smaller banks. The overall growth in loan demand is expected to stabilize, but the performance of smaller banks may lag behind [6][15]. 3. Interest Margin Trends - Interest margins are projected to decline further in 2025 compared to 2024, with the report suggesting that the decline will be less severe than in the previous year. The report anticipates a gradual recovery in margins as market conditions stabilize [6][15]. 4. Non-Interest Income Recovery - Non-interest income is expected to rebound, although it remains under pressure due to market volatility. The report highlights the importance of maintaining a diversified income stream to mitigate risks associated with interest income fluctuations [6][15]. 5. Asset Quality Outlook - The asset quality of banks is expected to remain stable, but there are concerns regarding potential deterioration in credit quality due to economic uncertainties. The report emphasizes the need for banks to manage their credit risk effectively [6][15]. 6. Recommendations - The report suggests that banks should focus on optimizing their funding structures and improving operational efficiencies to counteract the pressures from declining interest margins. Continuous monitoring of market conditions is recommended to adapt strategies accordingly [6][15]. 7. Risk Factors - Key risk factors identified include macroeconomic fluctuations, significant competition in the banking sector, and potential regulatory changes that could impact profitability [6][15].

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。 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 2025 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 截至月份: 2025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 呈交日期: 2025年5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 | | | --- | --- | --- | --- | --- | --- | --- | ...

Investment Rating - The report indicates a cautious outlook for the banking sector, with expectations of continued narrowing of interest margin declines due to improved cost management on the liability side [5]. Core Insights - The overall revenue and profit growth rates for listed banks in Q1 2025 were -1.7% and -1.2%, respectively, showing a widening decline compared to 2024 [4]. - Net interest income decreased by 1.7% year-on-year, influenced by factors such as loan repricing and lower new loan rates, but the decline in interest margins is expected to continue to narrow [4][5]. - The overall asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 238% [4]. Summary by Sections 1. Performance Overview - Listed banks' overall revenue and profit growth rates for Q1 2025 were -1.7% and -1.2%, respectively, with declines expanding by 1.8 percentage points and 3.5 percentage points compared to 2024 [4]. - The net interest income saw a year-on-year decline of 1.7%, attributed to factors like loan repricing and intensified competition [4]. 2. Revenue Breakdown - Fee and commission income for listed banks decreased by 0.7% year-on-year, with the decline rate narrowing by 8.7 percentage points compared to 2024 [4]. - Other non-interest income fell by 3.2% year-on-year, primarily due to significant fluctuations in the bond market affecting fair value changes [4]. 3. Asset Quality - The non-performing loan ratio stood at 1.23%, slightly down by 1 basis point from the end of Q4 2024, while the provision coverage ratio was 238%, showing a slight decrease of 2 percentage points from the previous year [4]. 4. Future Outlook - The narrowing trend in interest margin declines is expected to continue, supported by improved management of liability costs and stable asset quality [5]. - The report anticipates that the overall profit growth for the year will maintain a trend of quarterly improvement [5].

银行板块盘初走低，渝农商行（601077）、重庆银行（601963）跌超3%，青岛银行（002948）、苏州 银行（002966）跌超2%，交通银行（601328）、浦发银行（600000）纷纷下挫。 ...