证券代码：002958 证券简称：青农商行 青岛农村商业银行股份有限公司投资者关系活动记录表 编号:2025-12 | 投资者关系活动类 | 特定对象调研 □分析师会议 | | --- | --- | | 别 | □媒体采访 业绩说明会 | | | □新闻发布会 □路演活动 | | | □现场参观 □其他： | | 参与单位名称及人 | 招商证券王先爽、文雪阳，中泰证券邓美君，兴业证券陈绍兴、曹欣童， | | 员姓名 | 东方证券屈俊，方正证券赵大晖，海富通贝敏，工银瑞信袁路欣，民生加 | | | 银冯嵩越，信达澳亚陈建宇，易方达张心怡，平安基金解舒宇，中信资管 | | | 曾征，国寿资产崔维，鹏华基金张沁萱 | | 时间 | 2025 年 11 月 14 日上午 | | 地点 | 本行 楼会议室 4 | | 上市公司接待人员 | 本行高管及相关部门人员 | | 姓名 | | | | 1.如何展望 4 季度和明年的息差？ | | | 答：展望后续，息差环比基本持平，已现企稳迹象。资产端，受存量 | | | 贷款重定价叠加贷款市场报价利率（LPR）进一步下降等因素影响，生息资 | | | 产平均收益率预计有 ...

Investment Rating - The report does not explicitly state an investment rating for the banking sector, but it provides detailed insights into dividend yields and distribution processes, which can inform investment decisions. Core Insights - The report outlines the latest dividend yields and mid-term dividend processes for A and H shares of listed banks, emphasizing the importance of accurately calculating dynamic dividend yields to avoid discrepancies across periods [1][2]. - It details the two processes for mid-term dividends following the 2023 revision of the regulatory guidelines, highlighting the conventional and simplified processes for implementing mid-term dividends [2]. - The report provides a comprehensive overview of key dates related to dividend distribution for both A and H shares, including the importance of purchasing shares before the ex-dividend date to qualify for dividends [3][4]. Summary by Sections Dynamic Dividend Yield Calculation - A simplified yet accurate method for calculating dynamic dividend yield is introduced, defined as "rolling 12-month EPS * cash dividend rate / share price," which helps avoid issues related to overlapping or missing annual and mid-term dividends [1]. - The report calculates the cash dividend rate using a standardized approach across different banks, resulting in a clear comparison of dividend yields as of November 13, 2025 [1]. Mid-Term Dividend Processes - The report explains the two processes for mid-term dividends: the conventional process requiring shareholder approval and a simplified process allowing for quicker implementation [2]. - The simplified process is designed to enhance flexibility for companies in distributing mid-term dividends, thereby improving shareholder returns [2]. Dividend Distribution Key Dates - For A shares, investors must purchase shares before the ex-dividend date to receive dividends on the same day, while H shares typically see a delay of about one month for dividend payments [3][4]. - The report outlines the differences in the dividend distribution timeline between A and H shares, emphasizing the need for investors to be aware of these timelines to maximize their returns [3][4]. Mid-Term Dividend Progress - As of November 13, 2025, 31 A-share banks have confirmed mid-term dividends, while 11 H-share banks have also confirmed their dividend distributions [9][11]. - The report categorizes banks based on their dividend status, detailing those that have implemented dividends, those that are pending, and those that have opted not to distribute dividends [9][10][11]. - It highlights that the end of 2025 and early 2026 is expected to be a peak period for mid-term dividend distributions, suggesting potential investment opportunities for dividend-seeking investors [11].

2025 8 28日经青岛农村商业银行股份有限公司2025 年第一次临时股东大会审议通过，2025 11 10日经国家 金融监督管理总局青岛监管局（青金复〔2025 264号） 第四条 本行遵守有关法律法规,依法接受银行业监督管理 机构的监督管理,自愿成为省联社社员单位,接受省联社的管理 指导协调服务,积极履行社会责任。 第五条 本行注册名称: 中文全称:青岛农村商业银行股份有限公司 中文简称:青岛农商银行 英文全称: Qingdao Rural Commercial Bank Corporation 英文缩写:QRCB 核准生效） 第一章 总 则 第一条 为维护青岛农村商业银行股份有限公司(以下简称 "本行"）股东、职工、债权人和利益相关人的合法权益,规范 本行的组织和行为,依据《中华人民共和国公司法》(以下简称 "《公司法》")、《中华人民共和国证券法》(以下简称"《证 券法》"）、《中华人民共和国商业银行法》(以下简称"《商 业银行法》")、《中华人民共和国银行业监督管理法》《中国 银保监会农村中小银行机构行政许可事项实施办法》《银行保险 机构公司治理准则》《上市公司章程指引》及《中国共产党章程》 (以 ...

青岛农村商业银行股份有限公司 股东会议事规则 第一章 总则 第一条 为保障青岛农村商业银行股份有限公司（以下简 称"本行"）股东依法行使权利，确保股东会高效规范运作和 科学决策、完善本行公司治理结构，根据《中华人民共和国公 司法》（以下简称"《公司法》"）、《中华人民共和国证券 法》（以下简称"《证券法》"）、《中华人民共和国商业银 行法》及《青岛农村商业银行股份有限公司章程》（以下简称 "本行章程"）及其他适用法律法规、行政规章，结合本行实 际，制定本规则。 第二条 股东会是本行的权力机构，依照国家法律法规、 行政规章和本行章程行使职权。 第三条 本行应当严格按照有关法律法规、行政规章、本 行章程及本规则的相关规定召开股东会，保证股东能够依法行 使权利。 第四条 本行董事会应当切实履行职责，按照本行章程规 定召集股东会。本行全体董事应当勤勉尽责，确保股东会正常 召开和依法行使职权。 第六条 股东会分为年度股东会和临时股东会。年度股东 会每年至少召开1次，应当于上一会计年度结束后的6个月内举 行。临时股东会不定期召开，出现《公司法》及本行章程规定 的应当召开临时股东会的情形时，临时股东会应当在相应事实 发生之 ...

第三条 本行董事会由 14 名董事组成，其中：执行董事 3 人，非执行董事 10 人（含独立董事 5 名）职工董事 1 人。本行 设董事长 1 名，副董事长 1 名，经全体董事过半数选举产生，经 银行业监督管理机构核准任职资格后履行职责。 董事会规模和人员构成应符合有关法律法规及公司治理的 - 1 - 有关要求，确保董事会专业、高效地履行职能。 青岛农村商业银行股份有限公司 董事会议事规则 第一章 总 则 第一条 为保障青岛农村商业银行股份有限公司（以下简称 "本行"）董事会依法独立、规范、有效地行使职权，确保董事 会高效规范运作和科学决策，完善本行公司治理结构，根据《中 华人民共和国公司法》（以下简称"《公司法》"）、《中华人 民共和国商业银行法》及《青岛农村商业银行股份有限公司章程》 （以下简称"本行章程"）及其他适用法律法规、行政规章，结 合本行实际，制定本规则。 第二条 本行董事会是股东会的执行机构和本行的经营决 策机构，对股东会负责。董事会遵照《公司法》《银行保险机构 公司治理准则》、本行章程及其他有关法律法规、规范性文件的 规定履行职责。 第二章 董事会构成及职权 第四条 董事会行使下列职权： （ ...

青岛农村商业银行股份有限公司 | 证券代码：002958 | 证券简称：青农商行 | 公告编号:2025-055 | | --- | --- | --- | | 转债代码：128129 | 转债简称：青农转债 | | 本次修订后的章程全文已在巨潮资讯网（http://www.cninfo.com.cn）披露， 供投资者查阅。 特此公告。 关于公司章程修订获得核准的公告 青岛农村商业银行股份有限公司董事会 2025 年 11 月 12 日 本行及董事会全体成员保证信息披露内容的真实、准确、完整，没有虚假 记载、误导性陈述或重大遗漏。 青岛农村商业银行股份有限公司（以下简称本行）近日收到《国家金融监督 管理总局青岛监管局关于青岛农商银行修改公司章程的批复》（青金复﹝2025﹞ 264 号），本行 2025 年第一次临时股东大会修订的公司章程已获得核准。 ...

从资金流向上来看，当日农商行板块主力资金净流出2619.33万元，游资资金净流入3443.02万元，散户 资金净流出823.69万元。农商行板块个股资金流向见下表： 证券之星消息，11月12日农商行板块较上一交易日上涨0.34%，渝农商行领涨。当日上证指数报收于 4000.14，下跌0.07%。深证成指报收于13240.62，下跌0.36%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601077 | 渝农商行 | 7.07 | 1.29% | 78.68万 | 5.60亿 | | 002839 | 张家港行 | 4.70 | 0.86% | 36.46万 | 1.71亿 | | 600908 | 无锡银行 | 6.30 | 0.80% | 15.64万 | 9855.13万 | | 603323 | 苏农银行 | 5.38 | 0.37% | 29.15万 | 1.57亿 | | 601528 | 瑞丰银行 | 5.68 | 0.35% | 13.28万 | 7 ...

新华财经北京11月11日电 据中国人民银行山东省分行11日消息，青岛农商银行、青岛银行先后申获上 海清算所清算会员资格并成功落地通用回购业务。 相关创新业务的落地，标志着山东法人金融机构在银行间市场集中清算机制应用、创新业务布局上实现 重要突破，填补了山东省内城商行、农商行在该细分业务领域的市场空白，为省内金融机构开展通用回 购业务、提升资金运营效率与风险管控能力提供了实践经验。 通用回购业务是经中国人民银行批准、于2024年4月正式上线的集中清算三方回购业务，业务参与者将 符合上海清算所要求的债券提交担保券库，上海清算所对担保券库的债券按照折扣率进行计算，业务参 与者在额度范围内通过同业拆借中心开展回购交易。该业务通过上海清算所中央对手方清算机制实现风 险闭环管理，以标准化担保品管理盘活存量债券资产，既有效降低交易对手风险、提升市场流动性，又 为破解债券市场流动性分层、顺畅货币政策传导提供了关键支撑。 据了解，中国人民银行山东省分行联合上海清算所举办银行间债券市场通用回购业务宣介会，搭建金融 机构与交易清算服务机构面对面对接平台，促进机构间深度交流协作，顺畅业务开展路径。目前，辖内 金融机构已开展通用回购业 ...

Core Insights - The rural commercial bank sector experienced a slight increase of 0.01% on November 11, with Zhangjiagang Bank leading the gains [1] - The Shanghai Composite Index closed at 4002.76, down 0.39%, while the Shenzhen Component Index closed at 13289.0, down 1.03% [1] Stock Performance - Zhangjiagang Bank (002839) closed at 4.66, up 1.08% with a trading volume of 305,100 shares and a transaction value of 1.42 billion [1] - Su Nong Bank (603323) closed at 5.36, up 0.94% with a trading volume of 200,500 shares and a transaction value of 107 million [1] - Jiangyin Bank (002807) closed at 5.05, up 0.80% with a trading volume of 394,000 shares and a transaction value of 1.98 billion [1] - Wuxi Bank (600908) closed at 6.25, up 0.64% with a trading volume of 137,500 shares and a transaction value of 85.68 million [1] - Qingnong Commercial Bank (002958) and Changshu Bank (601128) remained unchanged at 3.27 and 7.25 respectively [1] Fund Flow Analysis - The rural commercial bank sector saw a net outflow of 140 million from institutional investors, while retail investors contributed a net inflow of 79.48 million [1] - Zhangjiagang Bank had a net inflow of 6.31 million from institutional investors, but a net outflow of 4.63 million from retail investors [2] - Wuxi Bank experienced a net inflow of 2.46 million from institutional investors, with retail investors contributing a net inflow of 3.07 million [2] - Qingnong Commercial Bank faced a significant net outflow of 23.40 million from institutional investors, while retail investors contributed a net inflow of 20.09 million [2] - Yunnan Agricultural Bank (601077) had the highest net outflow of 87.93 million from institutional investors, with retail investors contributing a net inflow of 47.76 million [2]

Core Insights - The agricultural commercial bank sector experienced a rise of 0.92% on November 10, with Shanghai Agricultural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 4018.6, up 0.53%, while the Shenzhen Component Index closed at 13427.61, up 0.18% [1] Sector Performance - Shanghai Agricultural Commercial Bank (601825) closed at 60.6, with a gain of 2.48% and a trading volume of 291,000 shares, amounting to a transaction value of 263 million yuan [1] - Changshu Bank (601128) closed at 7.25, up 0.97%, with a trading volume of 290,900 shares and a transaction value of 210 million yuan [1] - Ruifeng Bank (601528) closed at 5.67, up 0.53%, with a trading volume of 144,300 shares and a transaction value of 81.76 million yuan [1] - Zhangjiagang Bank (002839) closed at 4.61, up 0.44%, with a trading volume of 129,300 shares and a transaction value of 135 million yuan [1] - Yuanxi Bank (600908) closed at 6.21, up 0.32%, with a trading volume of 117,800 shares and a transaction value of 72.99 million yuan [1] - Shinan Bank (603323) closed at 5.31, up 0.19%, with a trading volume of 165,600 shares and a transaction value of 87.91 million yuan [1] - Zijin Bank (601860) closed at 2.88, unchanged, with a trading volume of 366,300 shares and a transaction value of 105 million yuan [1] - Qingnong Commercial Bank (002958) closed at 3.27, unchanged, with a trading volume of 557,400 shares and a transaction value of 182 million yuan [1] - Yunnan Agricultural Commercial Bank (601077) closed at 7.00, down 0.14%, with a trading volume of 633,700 shares and a transaction value of 444 million yuan [1] - Jiangyin Bank (002807) closed at 5.01, down 0.20%, with a trading volume of 391,700 shares and a transaction value of 196 million yuan [1] Fund Flow Analysis - The agricultural commercial bank sector saw a net outflow of 210 million yuan from main funds, while retail funds experienced a net inflow of 118 million yuan [1] - The main fund flow for Shanghai Agricultural Commercial Bank was a net inflow of 9.12 million yuan, while retail funds saw a net outflow of 197,440 yuan [2] - Ruifeng Bank had a main fund net inflow of 4.43 million yuan, but retail funds experienced a net outflow of 763.71 million yuan [2] - Zhangjiagang Bank had a significant main fund net outflow of 16.33 million yuan, while retail funds saw a net inflow of 1.77 million yuan [2] - Changshu Bank experienced a main fund net outflow of 21.87 million yuan, with retail funds seeing a net inflow of 26.42 million yuan [2] - Qingnong Commercial Bank had a main fund net outflow of 32.17 million yuan, while retail funds had a net inflow of 20.39 million yuan [2] - Yunnan Agricultural Commercial Bank faced a substantial main fund net outflow of 143 million yuan, but retail funds had a net inflow of 59.38 million yuan [2]