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].

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公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公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。 BQD Q 青岛银行 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） 截至2022年12月31日止年度業績 青島銀行股份有限公司（「本行」或「青島銀行」）董事會（「董事會」）欣然宣佈本行 及其附屬公司（「本公司」）截至2022年12月31日止年度（「報告期」）根據國際會計 準則委員會頒佈的《國際財務報告準則》編製的經審計年度業績（「年度業績」）。董 事會及其下轄的審計委員會已審閱並確認此年度業績。 除特別說明外，本業績公告所述的金額幣種為人民幣，本業績公告所載財務數據 為本公司合併口徑數據。 第一節 公司基本情況 1.1 公司基本情況 | --- | --- | |----------|-------| | | | | | | | | | | 股份類別 | | | A 股 | | | H 股 | | ...