青岛银行股份有限公司 Bank of Qingdao Co., Ltd.* * H 3866 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 2025 年 3 月 14 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、陳霜女士及劉鵬先生； 非執行董事周雲傑先生、Rosario Strano先生、譚麗霞女士、Giamberto Giraldo ...

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 2025 年 3 月 3 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2月28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3月3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 investment rating for Qingdao Bank is "Buy" and is maintained [6]. Core Views - Qingdao Bank's revenue growth for the full year 2024 is 8.2% year-on-year, with a significant increase in net profit attributable to shareholders of 20.2%, indicating strong operational efficiency [2][4]. - The bank's total assets grew by 13.5% year-on-year, with loans and deposits also increasing by 13.5% and 11.9% respectively, reflecting robust growth in its balance sheet [2][4]. - Asset quality continues to improve, with a year-end non-performing loan (NPL) ratio decreasing to 1.14%, and the provision coverage ratio rising to 241% [2][4]. Summary by Sections Financial Performance - For 2024, Qingdao Bank's revenue growth was 8.2%, with a quarterly growth of 8.5% in Q4. The net profit attributable to shareholders increased by 20.2% year-on-year, with Q4 showing a remarkable 44.5% growth [2][4]. - The bank's operational efficiency is validated by the significant increase in net profit, driven by improved asset quality and reduced credit impairment costs [6]. Scale and Growth - Total assets increased by 13.5% year-on-year, with loans also growing by 13.5%. The bank's liabilities rose by 13.6%, with deposits increasing by 11.9% [2][4]. - The bank is focusing on key sectors such as manufacturing, green finance, and technology innovation, which supports its growth strategy [6]. Interest Margin - The net interest margin for the first three quarters was 1.75%, with a slight decline compared to previous periods. However, the bank's management of funding costs has shown effectiveness [6]. - The bank anticipates a narrowing of the decline in interest margins in Q4, with improvements expected in funding costs due to the maturity of high-rate deposits [6]. Asset Quality - The non-performing loan ratio decreased by 3 basis points to 1.14% at year-end, with a provision coverage ratio that increased by 15 percentage points [2][4]. - The bank's asset quality is expected to remain stable, with a projected non-performing loan generation rate of 0.54% for the first half of 2024 [6]. Investment Recommendations - The report suggests that Qingdao Bank's high growth in profits and improved operational quality validate the investment thesis. The bank is expected to maintain considerable profit growth in 2025, with a current A-share valuation of only 0.58 times the 2025 price-to-book ratio [6].

Investment Rating - The investment rating for the company is "Accumulate" [1] Core Views - The company has shown strong performance with a revenue of 13.498 billion yuan in 2024, representing a year-on-year growth of 8.22%. The net profit attributable to the parent company reached 4.264 billion yuan, marking a 20.16% increase compared to the previous year [3][4] - The total assets of the company stood at 689.963 billion yuan at the end of 2024, reflecting a year-on-year growth of 13.48%. The total loans amounted to 340.690 billion yuan, with a growth rate of 13.53% [3] - The non-performing loan ratio decreased to 1.14%, down 4 basis points from the end of 2023, indicating an improvement in asset quality [3] - The company is expected to maintain a robust growth trajectory, with projected net profit growth rates of 20.16%, 15.15%, and 18.23% for the years 2024 to 2026 [3] Summary by Sections Financial Performance - In 2024, the company achieved total revenue of 13.498 billion yuan, up 8.22% year-on-year, and net profit attributable to the parent company of 4.264 billion yuan, up 20.16% year-on-year [3][4] - The weighted average return on equity was 11.51%, an increase of 0.80 percentage points from the previous year [3] Asset and Loan Growth - As of the end of 2024, total assets reached 689.963 billion yuan, a 13.48% increase year-on-year. Total loans were 340.690 billion yuan, with a growth rate of 13.53% [3] - The company has optimized its loan structure, focusing on green and blue loan businesses, with significant growth in technology, green, and agricultural loans [3] Risk Management - The non-performing loan ratio decreased to 1.14%, down 4 basis points from the end of 2023, with a provision coverage ratio of 241.32%, indicating a strong safety margin [3] - The company has been actively managing its loan quality and controlling new non-performing loans, which is expected to lead to continued improvement in key metrics [3] Earnings Forecast - The company forecasts net profit growth rates of 20.16%, 15.15%, and 18.23% for 2024, 2025, and 2026, respectively, with earnings per share projected at 0.73 yuan, 0.84 yuan, and 1.00 yuan for the same years [3][4]

2025 年 2 月 11 日 公司研究 营收盈利增长提速，资产质量保持稳健 ——青岛银行（002948.SZ）2024 年业绩快报点评 买入（维持） 当前价：3.88 元 作者 分析师：王一峰 执业证书编号：S0930519050002 010-57378038 wangyf@ebscn.com 分析师：赵晨阳 营收盈利增长提速，业绩呈现较强韧性。公司全年营收、归母净利润同比增速分别 为 8.2%、20.2%，增速较前三季度分别提升 0.1、4.6pct。4Q 单季营收、归母净利 润同比增速分别为 8.5%、44.5%，环比 3Q 增速提升 7.7、19.9pct。行业信贷需求 修复缓慢背景下，公司营收盈利增长提速，盈利增速站上 20%高位，预计规模、非 息仍为营收主要贡献项。 扩表强度维持高位，贷款增速更进一步。2024 年末，青岛银行总资产增速 13.5%， 较 3Q 末下降 1.6pct；其中贷款同比增速 13.5%，环比上季末提升 2.2pct，4Q 贷 款投放强度不减，对资产扩张形成较强支撑。4Q24 单季贷款新增 95.6 亿，同比多 增 70.3 亿，年末存量贷款占资产比重 49.4%，同 3 ...

Financial Performance - Total operating income for 2024 reached RMB 13,497.53 million, an increase of 8.22% compared to 2023[2] - Net profit attributable to shareholders of the parent company was RMB 4,264.12 million, reflecting a growth of 20.16% year-on-year[2] - Basic earnings per share rose to RMB 0.69, representing a 21.05% increase compared to 2023[2] - The weighted average return on equity improved to 11.51%, an increase of 0.80 percentage points year-on-year[2] Assets and Liabilities - Total assets as of December 31, 2024, amounted to RMB 689,963.03 million, up 13.48% from the previous year[2] - Total liabilities increased to RMB 645,063 million, reflecting a growth of 13.56% from the previous year[5] Loan and Deposit Growth - Customer loans totaled RMB 340,690 million, marking a growth of 13.53% year-on-year[5] - Customer deposits reached RMB 432,024 million, an increase of 11.91% from the previous year[5] Credit Quality - The non-performing loan ratio improved to 1.14%, a decrease of 0.04 percentage points from the end of 2023[6] - The provision coverage ratio increased to 241.32%, up by 15.36 percentage points compared to the previous year[6]

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 2 月 5 日 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。 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03866 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 2,291,945,474 ...

证券代码：002948 证券简称：青岛银行 公告编号：2025-002 同意聘请安永华明会计师事务所（特殊普通合伙）担任本行2025年度境内审 计机构；聘请安永会计师事务所担任本行2025年度境外审计机构。 本议案已经本行董事会审计委员会事前认可，由该委员会全体委员审议通过， 同意将其提交董事会审议。 《关于拟变更会计师事务所的公告》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。 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2025年1月10日以电子邮件方式 向董事发出关于召开第九届董事会第八次会议的通知，会议于2025年1月17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1名。因工作原因，吴显明先生委托刘鹏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，本行董事会秘书、部分监事及其他相关人 员列席会议。本次会议召开符合 ...

证券代码：002948 证券简称：青岛银行 公告编号：2024-003 青岛银行股份有限公司监事会决议公告 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 2025 年 1 月 11 日以电子邮件方 式向监事发出关于召开第九届监事会第四次会议的通知，会议于 2025 年 1 月 17 日 在本行总行以现场会议方式召开，应参与表决监事 5 名，实际表决监事 5 名。经半 数以上监事共同推举，由王大为监事主持会议，本行董事会秘书及其他相关人员列 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。会议审议通过了以下议案： 一、审议通过了《青岛银行股份有限公司关于推举第九届监事会临时召集 人的议案》 本议案同意票 5 票，反对票 0 票，弃权票 0 票。 同意推举王大为监事为本行第九届监事会临时召集人。 二、审议通过了《青岛银行股份有限公司关于调整第九届监事会专门委员 会组成成员的议案》 第九届监事会专门委员会主任委员和组成成员调整如下： 监督委员会（4 人） 主任委员：卢 ...