1848 关于青岛农村商业银行股份有限公司 公开发行 A 股可转换公司债券的 补充法律意见书 (一) 江苏世纪同仁律师事务所 中国 南京 7-3-1-1 江苏世纪同仁律师事务所 关于青岛农村商业银行股份有限公司 公开发行 A 股可转换公司债券的补充法律意见书(一) 致:青岛农村商业银行股份有限公司 根据《中华人民共和国证券法》、《中华人民共和国公司法》等法律法规和 中国证监会发布的《公开发行证券公司信息披露的编报规则第 12 号一公开发行 证券的法律意见书和律师工作报告》,以及中国证监会与中华人民共和国司法部 共同发布的《律师事务所从事证券法律业务管理办法》、《律师事务所证券法律 业务执业规则(试行)》等法律、行政法规、部门规章和规范性文件的有关规定, 江苏世纪同仁律师事务所(以下简称"本所")受青岛农村商业银行股份有限公 司(以下简称"发行人")委托,作为发行人本次公开发行 A 股可转换公司债 券(以下简称"本次发行")的特聘专项法律顾问,就本次发行事宜于2019年 12 月 11 日出具了"苏同律证字 2019 第 176 号"法律意见书和律师工作报告(以 下简称为"原法律意见书和律师工作报告"）。 本补 ...

| 证券代码：002958 证券简称：青农商行 | 公告编号：2024-016 | | --- | --- | | 转债代码：128129 转债简称：青农转债 | | 青岛农村商业银行股份有限公司（以下简称"本行"）于近日获悉，青岛市崂山 区人民法院将于 2024 年 5 月 20 日 10 时至 2024 年 5 月 21 日 10 时止（延时除外）在 青岛市崂山区人民法院阿里巴巴司法拍卖网络平台上（网址：https://sf.taobao.com/） 公开拍卖本行股东巴龙国际集团有限公司（以下简称"巴龙集团"）所持本行的部分 股份。现将有关情况公告如下： 本次股东股份被司法拍卖的具体内容详见阿里巴巴司法拍卖网络平台 （https://sf.taobao.com//）。 二、其他说明 截至本公告披露日，巴龙集团及一致行动人持有本行 5%以下的股份。巴龙集团 在本行上市时作为持有本行 5%以上股份的股东做出如下承诺"在青岛农商银行首次 公开发行的境内人民币普通股股票在证券交易所上市后，如本公司确定减持所持青岛 农商银行股份的，将通过证券交易所大宗交易系统或集中竞价交易系统等法律法规允 青岛农村商业银行股份有限 ...

Capital Adequacy and Financial Stability - The bank achieved a core tier 1 capital adequacy ratio of 9.91%, exceeding the standard of 7.5%[30] - The bank's liquidity ratio stood at 98.03%, well above the required minimum of 25%[30] - The bank's provisioning coverage ratio reached 237.96%, significantly above the required minimum of 150%[30] - The bank's liquidity ratio and capital adequacy ratio are reported to be in compliance with regulatory requirements, ensuring financial stability[1] Loan Performance and Risk Management - The bank's non-performing loan ratio improved to 1.81%, down from 2.19% in the previous year[30] - The non-performing loan balance at the end of the reporting period was CNY 4.642 billion, a decrease of CNY 0.618 billion, with a reduction rate of 11.75%[68] - The total non-performing loans (NPLs) amounted to CNY 4.64 billion, with a non-performing loan ratio of 1.81%, down from 2.19% in 2022[121] - The bank's risk management system has been strengthened, ensuring comprehensive coverage of various risks and effective internal controls[96] - The company implemented 35 risk management policies, enhancing its ability to manage credit, market, and liquidity risks effectively[47] - The bank has established a comprehensive risk management mechanism to ensure stable operations and asset quality[47] Financial Performance - The company reported steady growth in both revenue and net profit, with a reduction in non-performing loans, indicating improved operational quality[46] - The bank achieved operating income of 10.325 billion yuan, a year-on-year increase of 3.84%, and net profit attributable to shareholders of 2.568 billion yuan, up 10.82% year-on-year[97] - Non-interest income reached 2.970 billion yuan, representing a year-on-year growth of 41.10%, contributing 7.59 percentage points more to total operating income compared to the previous year[97] - The bank's net commission and fee income increased by CNY 0.137 billion, a growth rate of 29.88% year-on-year[78] - The bank's total assets of the bank increased by CNY 15.663 billion, representing a growth rate of 6.52% compared to the previous year[84] - The bank's total assets of the bank reached CNY 467.94 billion, an increase of CNY 33.15 billion, or 7.62%, from CNY 434.79 billion in 2022[134] Deposits and Loans - The bank became the first financial institution in Qingdao to surpass CNY 200 billion in personal deposits[16] - The bank's loans and advances net amount was CNY 245.324 billion, accounting for 52.43% of total assets, with an increase of CNY 15.377 billion, or 6.69%[83] - As of December 31, 2023, the total loans and advances issued by the bank amounted to CNY 245.32 billion, an increase from CNY 229.95 billion in 2022, representing a growth of 6.68%[136] - The bank's personal loans and advances reached CNY 74.80 billion, up from CNY 70.64 billion in 2022, marking a growth of 5.67%[138] - The total deposits reached CNY 305,538,569 thousand, reflecting a growth of 6.71% from CNY 286,320,039 thousand in 2022[156] Investments and Financial Instruments - The bank's investment in debt securities was CNY 84.93 billion, accounting for 49.98% of total financial assets[125] - The bank's debt investment book value reached CNY 84.925 billion, up by CNY 3.357 billion, reflecting a growth of 4.12% primarily due to increased government bond investments[174] - The bank's trading financial assets had a book value of CNY 47.977 billion, an increase of CNY 2.029 billion, representing a growth of 4.41% compared to the previous year[173] - The bank's financial instruments included precious metal derivatives with a nominal amount of 24,389 thousand yuan and a fair value of 44 thousand yuan[200] Management and Governance - The total remuneration for the bank's executive directors and senior management was CNY 187.26 million for the chairman and CNY 161.11 million for the president[171] - The bank's performance evaluation and compensation management for senior management will continue to be improved[169] - The bank's board of directors and the remuneration committee have conducted performance evaluations for senior management during the reporting period[169] Challenges and Strategic Focus - The competitive landscape is intensifying, with narrowing interest margins due to the rise of digital economy and regulatory pressures on smaller financial institutions[92] - The bank is focusing on transforming into a "light capital, light asset" transactional bank, enhancing its investment and financial market capabilities[95] - The bank is positioned to strengthen its market presence and enhance its service offerings in the face of external challenges[46]

| 证券代码：002958 | 证券简称：青农商行 | 公告编号：2024-014 | | --- | --- | --- | | 转债代码：128129 | 转债简称：青农转债 | | 青岛农村商业银行股份有限公司 关于部分关联方2024年日常关联交易预计额度的公告 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。 2024 年 4 月 25 日，本行召开第四届董事会第二十四次临时会议逐项审议通 过了《关于<青岛农村商业银行股份有限公司部分关联方 2024 年日常关联交易预 计额度>的议案》，刘冰冰、李庆香、薛健、孙国茂董事分别回避相关子议案表 决。本议案相关子议案将按照审批权限提交股东大会审议。青岛国信发展（集团） 有限责任公司、青岛城市建设投资（集团）有限责任公司、日照钢铁控股集团有 限公司、青岛金家岭控股集团有限公司等关联股东在审议相关子议案时需回避表 决。 一、关联方及关联交易额度预计情况 （一）青岛国信发展（集团）有限责任公司及其关联企业 1.青岛国信发展（集团）有限责任公司成立于 2008 年 7 月 17 日，法定代表 人刘鲁强，注册资本 300,0 ...

| 证券代码：002958 | 证券简称：青农商行 | 公告编号：2024-011 | | --- | --- | --- | | 转债代码：128129 | 转债简称：青农转债 | | 青岛农村商业银行股份有限公司 第四届监事会第十五次临时会议决议公告 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。 青岛农村商业银行股份有限公司（以下简称"本行"）第四届监事会第十五次临 时会议于 2024 年 4 月 25 日在本行总行召开。会议通知已于 2024 年 4 月 19 日以电子 邮件及书面方式发出。应出席本次会议的监事 7 人，实际出席本次会议的监事 7 人。 会议由半数以上监事共同推举齐海峰监事主持。会议的召开程序符合《中华人民共和 国公司法》及《公司章程》的有关规定。 会议审议通过了以下议案： 表决结果为：同意 7 票，反对 0 票，弃权 0 票。 本报告在巨潮资讯网（http://www.cninfo.com.cn）披露。 本议案需提交股东大会审议。 二、审议并通过《关于<青岛农村商业银行股份有限公司 2023 年度报告及摘要> 的议案》。 表决结果为：同意 ...

青岛农村商业银行股份有限公司 青岛农村商业银行股份有限公司全体股东: 一、审计意见 我们审计了后附的青岛农村商业银行股份有限公司(以下简称"青岛农商银行")财务报表, 包括 2023 年 12 月 31 日的合并及母公司资产负债表，2023 年度的合并及母公司利润表、合并 及母公司现金流量表、合并及母公司股东权益变动表以及相关财务报表附注。 自 2023 年 1 月 1 日 至 2023 年 12 月 31 日止年度财务报表 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 近松椰星古外柴培留日出 (特殊普通合伙) 中国北京 东长安街1号 东方广场毕马威大楼8层 邮政编码 : 100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 审计报告 毕马威 ...

青岛农村商业银行股份有限公司 2023 年度董事会工作报告 2023 年，青岛农村商业银行股份有限公司（以下简称"本行"）董事会充分发挥 科学决策和战略管理作用，全行总体工作呈现发展全面向好、结构持续优化、改革转 型纵深推进的态势。 一、2023 年总体经营情况 2023 年，本行紧紧围绕"固本强基"的年度工作主题和高质量发展的首要任务， 夯实主业、深化改革、强化管理，整体经营全面向好。截至 2023 年末，本行资产总 额 4,679.37 亿元，较年初增长 7.62%；吸收存款 3,055.39 亿元，较年初增长 6.71%； 发放贷款和垫款总额 2,558.45 亿元，较年初增长 6.52%；实现归属本行股东的净利润 25.68 亿元，较上年增长 10.82%；归属于母公司普通股股东的每股净资产 5.96 元，较 年初增长 8.36%；不良贷款率 1.81%，较年初下降 0.38 个百分点。 二、2023 年董事会工作情况 （一）科学指导经营决策。2023 年，董事会审议通过了高级管理层提交的《青岛 农村商业银行股份有限公司 2023 年经营及投资计划》《青岛农村商业银行股份有限公 司 2023 年度利润 ...

2023年度社会责任报告 0 23年 度 社 会 责 任 报 青 岛 农 商 银 行 2 告 - 使命 - 扎根大地，滋养梦想，让生活更美好 - 核心价值观 - 金融报国 金融为民 高质量发展 守正创新 以人为本 法治公平正义 - 愿景 - 打造现代农商标杆银行 CONT 目 录 ENTS | 公司简介 | 04 | | --- | --- | | 关键绩效 | 05 | | 年度殊荣 | 06 | | 服务地方发展责任 | 07 | | --- | --- | | 服务"三农"责任 | 10 | | 服务中小微企业责任 | 13 | | 银政企合作责任 | 17 | | --- | --- | | 社会公益责任 | 20 | | 诚信纳税责任 | 23 | | 履行反洗钱责任 | 24 | | 提升价值责任 | 26 | | --- | --- | | 规范治理责任 | 27 | | 风险管理责任 | 29 | | 合规经营责任 | 32 | | 创新转型责任 | 34 | | --- | --- | | 优质服务责任 | 37 | | 权益保护责任 | 39 | | 金融宣传责任 | 41 | | 绿色金 ...

青岛农村商业银行股份有限公司董事会 2024 年 4 月 25 日 青岛农村商业银行股份有限公司董事会 关于 2023 年度独立董事独立性情况的专项意见 根据《上市公司独立董事管理办法》》《上市公司自律监管指引第 1 号—规范运 作》等监管规定，青岛农村商业银行股份有限公司（以下简称"本行"）第四届董事 会现任独立董事孙国茂、栾丕强、王少飞、潘爱玲、李维安对照相关监管规定中关于 独立董事应具备的独立性要求进行了逐项自查，并向本行董事会提交了独立性自查情 况报告。经自查，本行全体独立董事均确认其已满足相关监管规定中对于出任独立董 事应具备的独立性要求。 经核查全体独立董事的任职经历及其提交的独立董事自查情况报告，本行董事会 未发现可能违反独立董事独立性要求的情形。 ...

Financial Performance - Total profit for the first quarter of 2024 reached CNY 1,133,790,000, an increase of 7.03% compared to CNY 1,059,349,000 in the same period last year[3] - Net profit for the first quarter of 2024 was CNY 1,081,306,000, reflecting a growth of 9.01% from CNY 991,962,000 year-over-year[3] - The net profit attributable to shareholders of the parent company increased by 10.14% to CNY 1,094,399,000 from CNY 993,672,000 in the previous year[3] - Total operating income increased to 3,026,912, representing a growth of 13.3% from 2,671,626 in the previous year[21] - The group reported operating profit of RMB 1,136,069 thousand for the first quarter of 2024, compared to RMB 1,059,854 thousand in the same period of 2023, marking an increase of approximately 7.2%[48] - The bank's total comprehensive income for the first quarter of 2024 was RMB 1,160,131 thousand, compared to RMB 986,037 thousand in the first quarter of 2023[93] Assets and Liabilities - The total assets as of March 31, 2024, amounted to CNY 473,858,062,000, representing a 1.27% increase from CNY 467,936,769,000 at the end of 2023[3] - The total liabilities increased by 1.13% to CNY 433,744,997,000 from CNY 428,887,839,000 year-over-year[3] - The total amount of loans and advances issued reached CNY 259,780,046,000, an increase of 1.54% from CNY 255,844,853,000 year-over-year[3] - The total deposits absorbed by the bank increased by 1.82% to CNY 311,102,916,000 from CNY 305,538,569,000 at the end of 2023[3] - As of March 31, 2024, the total assets of the group reached RMB 473,858,062 thousand, an increase from RMB 467,936,769 thousand as of December 31, 2023, representing a growth of approximately 0.4%[38] Cash Flow - The net cash flow from operating activities decreased significantly by 60.08% to CNY 4,737,050,000 compared to CNY 11,866,023,000 in the same period last year[3] - The net cash inflow from operating activities was CNY 4,737,050 thousand, down 60.1% from CNY 11,866,023 thousand year-over-year[133] - The total cash and cash equivalents at the end of the period amounted to CNY 14,847,069 thousand, a decrease from CNY 17,522,557 thousand in the previous year[123] - The net cash outflow from operating activities totaled CNY (14,278,965) thousand, a decrease from CNY (15,638,695) thousand in the previous year[133] - The net cash flow generated from investment activities was RMB 2,349,418 thousand, a significant improvement from a net cash outflow of RMB 16,540,685 thousand in the previous year[91] Earnings and Ratios - Basic earnings per share rose by 12.50% to CNY 0.18 from CNY 0.16 in the previous year[3] - The diluted earnings per share for the first quarter of 2024 was RMB 0.15, up from RMB 0.14 in the same period of 2023[86] - The weighted average return on equity (annualized) improved to 11.88%, up by 0.32 percentage points from 11.56%[3] - The bank's total capital adequacy ratio was reported at 13.52%, an increase from 13.21% at the end of 2023[28] - The bank's core Tier 1 capital adequacy ratio improved to 10.25%, up from 9.91% at the end of 2023[28] - The cost-to-income ratio for the first quarter of 2024 was 22.46%, a significant improvement from 31.70% in 2023[28] Loan and Deposit Activity - The net increase in loans and advances was CNY (5,757,913) thousand, compared to CNY (5,385,749) thousand in the previous year, indicating a decline in lending activity[133] - Net increase in deposits reached CNY 5,920,097 thousand, a decrease of 69.7% compared to CNY 19,531,422 thousand in the same period last year[97] - The total amount of loans and advances issued was RMB 259,780,046 thousand, with a total of RMB 4,677,660 thousand classified as non-performing loans[60] Non-Performing Loans and Asset Quality - The non-performing loan ratio remained stable at 1.80%, slightly down from 1.81% in the previous quarter[28] - The bank's non-performing loan ratio stood at 1.80% as of March 31, 2024, slightly down from 1.81% as of December 31, 2023[60] Shareholder Information - The total number of common shareholders at the end of the reporting period was 92,041[62] - The top two shareholders, Qingdao Guoxin Development Group and Qingdao Urban Construction Investment Group, held 9.08% and 9.05% of shares, respectively[62]