2024 年度股东大会会议材料 青岛农村商业银行股份有限公司 2024 年度股东大会会议材料 （股票代码：002958） 2024 年度股东大会会议材料 | | | 审议事项 | 1.青岛农村商业银行股份有限公司 年度董事会工作报告·····1 | 2024 | | --- | --- | | 2.青岛农村商业银行股份有限公司 年度监事会工作报告·····8 | 2024 | | 3.青岛农村商业银行股份有限公司 年财务决算报告及 2025 年 | 2024 | | 财务预算报告············································15 | | | 4.关于青岛农村商业银行股份有限公司 2024 年度利润分配方案的议 | | | 案······················································18 | | | 5.关于青岛农村商业银行股份有限公司部分关联方 2025 年日常关联 | | | 交易预计额度的议案·····································22 | | | 6.关于修订《青岛农村商业银行股 ...

| 证券代码：002958 | 证券简称：青农商行 | 公告编号：2025-021 | | --- | --- | --- | | 转债代码：128129 | 转债简称：青农转债 | | 1.审议并通过《关于<青岛农村商业银行股份有限公司 2025-2027 年资本规划>的 议案》。 表决结果为：同意 12 票，反对 0 票，弃权 0 票。 2.审议并通过《关于<青岛农村商业银行股份有限公司 2025 年资本充足率管理计 划>的议案》。 表决结果为：同意 12 票，反对 0 票，弃权 0 票。 3.审议并通过《关于<青岛农商银行 2025 年监管指标分层监测预警指标值>的议 案》。 表决结果为：同意 12 票，反对 0 票，弃权 0 票。 青岛农村商业银行股份有限公司 第五届董事会第五次会议决议公告 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。 青岛农村商业银行股份有限公司第五届董事会第五次会议于 2025 年 6 月 4 日在 本行总行召开。会议通知已于 2025 年 5 月 21 日以电子邮件及书面方式发出。应出席 本次会议的董事 12 人，实际出席本次会议 ...

| 证券代码：002958 | 证券简称：青农商行 | 公告编号：2025-020 | | --- | --- | --- | | 转债代码：128129 | 转债简称：青农转债 | | 重要提示： 特此公告。 | 前次债项评级："AAA" | 主体评级："AAA" | 评级展望：稳定 | | --- | --- | --- | | 本次债项评级："AAA" | 主体评级："AAA" | 评级展望：稳定 | 根据中国证券监督管理委员会《公司债券发行与交易管理办法》《上市公司证券 发行注册管理办法》和《深圳证券交易所股票上市规则》的有关规定，青岛农村商业 银行股份有限公司（以下简称本行）委托信用评级机构联合资信评估股份有限公司对 本行 2020 年发行的"青农转债"进行了跟踪信用评级。 本行前次主体长期信用等级为"AAA"，评级展望为"稳定"；"青农转债"前 次信用等级为"AAA"；评级机构为联合资信评估股份有限公司，评级时间为 2024 年 6 月 24 日。 评级机构联合资信评估股份有限公司通过对本行主体及其相关债券的信用状况进 行跟踪分析和评估，于 2025 年 6 月 3 日出具了《青岛农村商业银行股份 ...

智通财经6月4日电，青农商行(002958.SZ)公告称，近日收到法院通知书，要求协助处置巴龙集团所持 公司部分股份，强制执行股份数量不超过566万股，占公司总股本的0.1019%。巴龙集团及一致行动人 巴龙建设合计持有公司5%以下的股份，且在公司上市时承诺通过大宗交易或集中竞价交易系统等方式 减持，并提前通知公司，由公司履行信息披露义务。本次司法强制执行受市场情况等因素影响，存在减 持价格、数量等方面的不确定性，且存在再次强制执行的可能性。 青农商行：持股5%以下股东巴龙集团所持股份将被司法强制执行 ...

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 2025 年跟踪评级报告 | | | www.lhratings.com 联合〔2025〕3715 号 联合资信评估股份有限公司通过对青岛农村商业银行股份有限 公司主体及其可转换公司债券的信用状况进行跟踪分析和评估，确 定维持青岛农村商业银行股份有限公司主体长期信用等级为 AAA， 维持"青农转债"信用等级为 AAA，评级展望为稳定。 特此公告 联合资信评估股份有限公司 评级总监： 二〇二五年六月三日 声 明 一、本报告是联合资信基于评级方法和评级程序得出的截至发表之日的 独立意见陈述，未受任何机构或个人影响。评级结论及相关分析为联合资信基 于相关信息和资料对评级对象所发表的前瞻性观点，而非对评级对象的事实 陈述或鉴证意见。联合资信有充分理由保证所出具的评级报告遵循了真实、客 观、公正的原则。鉴于信用评级工作特性及受客观条件影响，本报告在资料信 息获取、评级方法与模型、未来事项预测评估等方面存在局限性。 二、本报告系联合资信接受青岛农村商业银行股份有限公司（以下简称 "该公司"）委托所出具，根据控股股东联合信用管理有限公司（以下简称"联 合信用"） ...

A股银行板块小幅拉升，渝农商行涨逾2%，杭州银行、青农商行、沪农商行涨逾1%。 ...

青岛农村商业银行股份有限公司投资者关系活动记录表 证券代码：002958 证券简称：青农商行 1 | | 风险前置处置机制，精准防范和化解重点领域、重点客户、重点行业信用 | | | --- | --- | --- | | | 风险，稳步提升资产质量。 | | | | 年全年的营收和归母净利润表现？ 3.公司如何展望 2025 | | | | 答：2025 年一季度，本行紧紧围绕国家及地方各项战略部署，加大服 | | | | 务实体经济的力度，持续让利实体经济，在 走低，银行业整体息差收 LPR | | | | 窄，债券市场波动等多种原因叠加的背景下，本行营业收入及归母净利润 | | | | 仍持续保持"双升"。2025 年全年，本行将紧紧围绕高质量发展的工作主线， | | | | 坚持以"支农支小"为主的市场定位，加快特色化、差异化发展步伐，通过深 | | | | 化改革、强化创新、推动数智化转型等战略举措，不断提升经营质效。 | | | 附件清单（如有） | 无 | | | 日期 | 2025 年 月 28 日 | 5 | 2 编号:2025-07 投资者关系活动类 别 特定对象调研 □分析师会议 □媒体 ...

Core Viewpoint - The competition in consumer loans among banks has shifted from a focus on low interest rates to enhancing loan limits and extending loan terms, as banks seek to adapt to changing market conditions and regulatory guidance [1][11][15] Consumer Loan Growth - In 2024, the total consumer loan balance of 40 A-share listed banks increased by over 950 billion yuan, with some banks experiencing growth rates exceeding 90% compared to the previous year [1][3] - The consumer loan balance for these banks reached approximately 6.06 trillion yuan by the end of 2024, marking an increase of 957.85 billion yuan from the previous year [3][4] Interest Rate Trends - Consumer loan interest rates dropped to the "2" range, with some banks offering rates as low as 1.88% for select customers, but this trend has reversed with many banks raising rates to no less than 3% by April 2024 [1][9][10] - The shift back to "3" range interest rates is aimed at preventing excessive competition and potential financial risks associated with low-rate loans [10][11] Bank Strategies - Banks are now focusing on enhancing consumer loan products by increasing limits and extending terms, responding to government initiatives to boost consumption [11][12] - Various banks have begun to raise loan limits and extend repayment periods, with some institutions increasing the maximum loan amount from 300,000 yuan to 500,000 yuan and extending terms from five to seven years [12][16] Market Segmentation - The consumer loan market is showing significant differentiation, with some banks rapidly expanding their loan portfolios through low-rate strategies, while others are contracting due to concerns over rising non-performing loan rates [5][10] - Banks are increasingly targeting specific consumer scenarios, such as home renovations and electric vehicle purchases, to drive loan growth [15][16] Risk Management - The rise in consumer loan balances has led to an increase in non-performing loans, prompting banks to enhance their risk management practices and focus on quality customer segments [9][10][14] - Regulatory bodies are emphasizing the need for banks to monitor the flow of consumer loan funds to mitigate systemic risks [14]

Investment Rating - The report indicates a positive outlook for the banking sector, suggesting that certain stocks may have alpha potential due to policy catalysts and a cyclical recovery [4]. Core Insights - Multiple banks have lowered their deposit rates, with the one-year and five-year Loan Prime Rate (LPR) reduced by 10 basis points on May 20, 2025. This trend reflects a broader market-driven decline in deposit costs [1][2]. - The average deposit cost rate for China Merchants Bank decreased significantly by 25 basis points to 1.29% in Q1 2025, indicating a trend of improving deposit costs across the sector [1]. - The report highlights that banks like Chongqing Bank, Minsheng Bank, and CITIC Bank have substantial room for further deposit cost reductions, suggesting a favorable environment for banks to optimize their funding costs [2]. Summary by Sections Section 1: Focus of the Week - Several banks have adjusted their deposit rates downward, with over half of listed banks participating in this trend by May 24, 2025 [1]. - The report notes that the average deposit cost rate for China Merchants Bank has shown improvement since Q2 2024, aligning with previous forecasts of enhanced cost reduction in liabilities [1]. Section 2: Sector Perspective - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with specific banks like Ningbo Bank, Postal Savings Bank, and China Merchants Bank highlighted as potential investment opportunities [4]. - The report emphasizes that the cyclical recovery may take time, but the ongoing interest rate cuts could sustain the dividend strategy for banks like Shanghai Bank and Jiangsu Bank [4]. Section 3: Key Data Tracking - The report tracks various financial metrics, including the issuance of interbank certificates and the average rates for different types of bank notes, indicating a dynamic market environment [9][8]. - It also notes the increase in the proportion of deposits with a remaining maturity of less than one year, which rose by 3 percentage points to 37.4% by the end of 2024, suggesting a trend towards concentrated deposit maturities [2][16].

Core Viewpoint - The A-share listed rural commercial banks demonstrated strong resilience in Q1 2025, with all 10 banks achieving positive net profit growth, highlighting their robust financial performance despite market pressures [1][5][6]. Financial Performance - All 10 A-share listed rural commercial banks reported positive net profit growth in Q1 2025, with Changshu Bank leading at a 13.81% year-on-year increase [1][7]. - Eight banks experienced positive revenue growth, while two banks, Shanghai Rural Commercial Bank and Zijin Bank, reported declines in revenue [1][5][6]. - Revenue figures for major banks include: - Chongqing Rural Commercial Bank: 72.24 billion yuan, up 1.35% - Shanghai Rural Commercial Bank: 65.60 billion yuan, down 7.41% - Qingnong Bank: 30.57 billion yuan, up 0.99% - Changshu Bank: 29.71 billion yuan, up 10.04% [3][5][6]. Asset Quality - As of the end of March, seven banks had non-performing loan (NPL) ratios below 1%, with Changshu Bank, Wuxi Bank, and Jiangyin Bank all below 0.9% [1][15]. - Qingnong Bank had the highest NPL ratio at 1.77%, despite a slight decrease from the previous year [1][15]. Asset Scale - Chongqing Rural Commercial Bank and Shanghai Rural Commercial Bank both exceeded 1.5 trillion yuan in total assets, with Chongqing leading at 1.61 trillion yuan, a 6.3% increase [9][11]. - Qingnong Bank ranked third in total assets at 511.58 billion yuan, while Changshu Bank followed closely with 389.01 billion yuan [11][12]. Interest Margin - The net interest margin for several banks has narrowed, with Zijin Bank reporting the lowest at 1.23%, below the industry average of 1.52% [4][7].