| 证券代码：002958 | 证券简称：青农商行 | 公告编号：2025-046 | | --- | --- | --- | | 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 会议审议通过了以下议案： 1.审议并通过《关于调整董事会战略规划委员会、董事会三农金融服务与消费者 权益保护委员会人员的议案》。 表决结果为：同意 12 票，反对 0 票，弃权 0 票。 第五届董事会第六次会议决议公告 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（以下简称本行）第五届董事会第六次会议于 2025 年 9 月 26 日在本行总行召开。会议通知已于 2025 年 9 月 16 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（含网络方式）的董 事 11 人。丁明来董事因工作原因不能出席本次会议，授权委托于丰星董事代为出席 并行使表决权。薛健、鲁玉瑞、王少飞、潘爱玲、李维安、王绍宏董事以网络方式参 加会议。会议由董事长王锡峰主持，部分监事列席了会议。会议的召开及表决程序符 合《 ...

每经头条（nbdtoutiao）——5年增长33倍，这类新险种卖爆了，身边很多人都需要，30多家险企蜂拥而 入⋯⋯ （记者 王晓波） 2025年1至6月份，青农商行的营业收入构成为：利息收入占比133.84%，非利息收入占比10.31%。 截至发稿，青农商行市值为175亿元。 每经AI快讯，青农商行（SZ 002958，收盘价：3.15元）9月26日晚间发布公告称，公司第五届第六次董 事会会议于2025年9月26日在本行总行召开。会议审议了《关于调整董事会战略规划委员会、董事会三 农金融服务与消费者权益保护委员会人员的议案》等文件。 ...

证券之星消息，9月26日农商行板块较上一交易日下跌0.74%，XD沪农商领跌。当日上证指数报收于 3828.11，下跌0.65%。深证成指报收于13209.0，下跌1.76%。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 | 6.46 | 2.38% | 73.02万 | | 4.69 乙 | | 600908 | 元锡银行 | 5.88 | 0.68% | 12.77万 | 7478.76万 | | | 603323 | 苏农银行 | 5.02 | 0.60% | - 16.77万 | 8397.24万 | | | 002839 | 张家港行 | 4.32 | 0.47% | 19.30万 | 8309.94万 | | | 601528 | 瑞丰银行 | 5.32 | 0.38% | 9.57万 | 5076.92万 | | | 601860 | 崇金银行 | 2.82 | 0.36% | 32.95万 | 9268.2 ...

证券之星消息，9月25日农商行板块较上一交易日下跌1.62%，渝农商行领跌。当日上证指数报收于 3853.3，下跌0.01%。深证成指报收于13445.9，上涨0.67%。农商行板块个股涨跌见下表： 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 从资金流向上来看，当日农商行板块主力资金净流出311.16万元，游资资金净流入588.48万元，散户资金 净流出277.32万元。农商行板块个股资金流向见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 601825 | 沪农商行 | 8.62 | -0.58% | 20.85万 | | 1.79亿 | | 002958 | 青农商行 | 3.14 | -0.95% | 35.68万 | | 1.12亿 | | 603323 | 苏农银行 | 4.99 | -0.99% | 13.20万 | | 6600.36万 | | 600908 | 无锡银行 | 5 ...

青岛农商银行自2012年发行首款理财产品以来，深耕岛城理财市场十三载，构建了"短中长"全周期产品 期限布局，运作模式涵盖每日开放、定期开放、最短持有期及封闭式等多元形态，切实满足投资者资金 灵活周转与长期规划的双重需求；创新推出"4+N"理财产品体系，真正实现从"银行视角"向"客户视 角"、从"专业分类"向"客户习惯分类"的根本转变，清晰展示了"稳健低波、稳健增值、稳中求进、灵活 进取"的投资策略，破解投资者产品选择难题。 展望未来，青岛农商银行将始终坚守"金融为民"的初心使命，积极践行新时代农商银行价值观，持续丰 富和完善产品体系，满足客户多元化、差异化理财需求，打造更专业、更贴心的产品和服务，为客户美 好生活注入金融动能。 2025年9月16日，由中国投资协会金融业资产管理专业委员会主办的"2025年上半年银行业理财产品评 价"结果揭晓，青岛农商银行理财产品创富优享356号凭借其稳健的投资策略、合理的风险收益配比及优 秀的业绩表现斩获"五星理财产品"奖项。 作为全国唯一跨金融行业的综合性资产管理行业组织，中国投资协会金融业资产管理专业委员会在资产 管理领域具有极高的专业性与权威性，通过科学、量化的方法对今 ...

Market Performance - The rural commercial bank sector increased by 1.75% on September 24, with Yunnan Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3853.64, up 0.83%, while the Shenzhen Component Index closed at 13356.14, up 1.8% [1] Individual Stock Performance - Yunnan Rural Commercial Bank (601077) closed at 6.54, up 1.87% with a trading volume of 853,400 shares and a transaction value of 559 million [1] - Changshu Bank (601128) closed at 7.11, up 1.57% with a trading volume of 412,600 shares and a transaction value of 291 million [1] - Shanghai Rural Commercial Bank (601825) closed at 8.67, up 0.70% with a trading volume of 244,700 shares and a transaction value of 212 million [1] - Jiangyin Bank (002807) closed at 4.56, up 0.44% with a trading volume of 258,000 shares and a transaction value of 118 million [1] - Qingnong Commercial Bank (002958) closed at 3.17, down 0.31% with a trading volume of 435,000 shares and a transaction value of 138 million [1] Fund Flow Analysis - The rural commercial bank sector experienced a net outflow of 639,800 yuan from main funds, while retail funds saw a net inflow of 28.92 million yuan [1] - Individual stock fund flows showed that Changshu Bank had a main fund net inflow of 22.92 million yuan, while Yunnan Rural Commercial Bank had a net inflow of 9.09 million yuan from main funds [2] - Jiangyin Bank experienced a significant net outflow of 18.43 million yuan from main funds, indicating a potential concern among investors [2]

Market Performance - On September 22, the rural commercial bank sector rose by 0.05% compared to the previous trading day, with Shanghai Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3828.58, up 0.22%, while the Shenzhen Component Index closed at 13157.97, up 0.67% [1] Individual Stock Performance - Shanghai Rural Commercial Bank (601825) closed at 65.8, with a gain of 1.30% and a trading volume of 301,400 shares, amounting to a transaction value of 258 million yuan [1] - Other notable performances include: - Chongqing Rural Commercial Bank (601077) at 6.27, up 0.16% [1] - Qingdao Rural Commercial Bank (002958) at 3.17, unchanged [1] - Zhangjiagang Bank (002839) at 4.32, down 0.23% [1] - Zijin Bank (601860) at 2.86, down 0.69% [1] - Ruifeng Bank (601528) at 5.31, down 0.93% [1] - Wuxi Bank (600908) at 5.84, down 1.02% [1] - Sunong Bank (603323) at 4.98, down 1.39% [1] - Changshu Bank (601128) at 6.95, down 1.56% [1] - Jiangyin Bank (002807) at 4.52, down 1.74% [1] Capital Flow Analysis - The rural commercial bank sector experienced a net inflow of 61.3 million yuan from institutional investors, while retail investors saw a net inflow of 291,200 yuan [1] - Notable capital flows for individual stocks include: - Shanghai Rural Commercial Bank had a net outflow of 35.5 million yuan from institutional investors [2] - Zijin Bank saw a net inflow of 17.5 million yuan from institutional investors [2] - Changshu Bank had a net inflow of 13.0 million yuan from institutional investors [2] - Wuxi Bank had a net inflow of 10.6 million yuan from institutional investors [2] - Jiangyin Bank experienced a net outflow of 11.5 million yuan from institutional investors [2]

Investment Rating - The report maintains a positive outlook on the banking sector, suggesting potential investment opportunities due to favorable policy catalysts and improving fundamentals in certain banks [12]. Core Insights - The report highlights the adequacy of loan loss provisions among listed banks, with a provision coverage ratio of 70.8% for Stage 3 loans, indicating limited future impact on profits [2][12]. - It emphasizes the improvement in asset quality, particularly in Stage 3 loans, with notable reductions in the proportion of such loans for several banks compared to the end of Q4 2024 [1][2]. - The report suggests a focus on banks with positive fundamental changes and continuous improvement in financial statements, recommending specific banks for investment [12]. Summary by Sections 1. Loan Quality and Provisioning - The proportion of Stage 3 loans is relatively low for banks like Chengdu Bank (0.66%) and Ningbo Bank (0.76) [1]. - Significant improvements in Stage 3 loan ratios were observed for Chongqing Bank (-61bp) and Guiyang Bank (-48bp) compared to Q4 2024 [1]. - The provision coverage for Stage 3 loans is high, with leading banks like Qingnong Bank (4.35%) and Yunan Bank (4.16%) showing strong provisioning ratios [2]. 2. Financial Assets - The proportion of Stage 3 financial assets is low, with most banks not exceeding 0.05%, indicating manageable asset quality pressure [4]. - The report notes that the provision coverage for financial investments is also robust, with Zhejiang Bank (3.16%) and Qingdao Bank (2.85%) leading in provisioning ratios [8]. 3. Sector Outlook - The report anticipates that expansionary policies aimed at stabilizing the economy will benefit the banking sector, with a focus on banks like Ningbo Bank and Jiangsu Bank for potential investment [12]. - It highlights the ongoing economic recovery and the potential for interest rate cuts, suggesting a sustained dividend strategy for certain banks [12].

Market Overview - On September 19, the rural commercial bank sector experienced a slight decline of 0.02% compared to the previous trading day, with Yunnan Rural Commercial Bank leading the decline [1] - The Shanghai Composite Index closed at 3820.09, down 0.3%, while the Shenzhen Component Index closed at 13070.86, down 0.04% [1] Individual Stock Performance - The following table summarizes the closing prices, percentage changes, and trading volumes of key stocks in the rural commercial bank sector: - Yuanxi Bank: Closed at 5.90, up 1.03%, with a trading volume of 142,700 shares - Shanghai Rural Commercial Bank: Closed at 8.48, up 0.83%, with a trading volume of 179,600 shares - XD Sunan Bank: Closed at 5.05, up 0.60%, with a trading volume of 236,200 shares - Changshu Bank: Closed at 7.06, up 0.57%, with a trading volume of 398,700 shares - Jiangyin Bank: Closed at 4.60, up 0.44%, with a trading volume of 249,800 shares - Ruifeng Bank: Closed at 5.36, up 0.37%, with a trading volume of 110,200 shares - Qingnong Bank: Closed at 3.17, unchanged, with a trading volume of 461,300 shares - Zhangjiagang Bank: Closed at 4.33, down 0.46%, with a trading volume of 286,200 shares - Zijin Bank: Closed at 2.88, down 0.69%, with a trading volume of 711,500 shares - Yunnan Rural Commercial Bank: Closed at 6.26, down 1.42%, with a trading volume of 492,500 shares [1] Fund Flow Analysis - The rural commercial bank sector saw a net inflow of 92.03 million yuan from main funds, while retail funds experienced a net outflow of 44.18 million yuan and 47.85 million yuan respectively [1] - The following table details the fund flow for individual stocks: - Changshu Bank: Main fund net inflow of 37.86 million yuan, retail net outflow of 13.80 million yuan - Yuanxi Bank: Main fund net inflow of 20.16 million yuan, retail net outflow of 13.00 million yuan - Qingnong Bank: Main fund net inflow of 14.38 million yuan, retail net outflow of 10.53 million yuan - Zijin Bank: Main fund net inflow of 9.23 million yuan, retail net outflow of 9.82 million yuan - Shanghai Rural Commercial Bank: Main fund net inflow of 7.25 million yuan, retail net inflow of 0.30 million yuan - Yunnan Rural Commercial Bank: Main fund net inflow of 5.63 million yuan, retail net inflow of 0.37 million yuan - XD Sunan Bank: Main fund net inflow of 3.03 million yuan, retail net outflow of 7.99 million yuan - Jiangyin Bank: Main fund net inflow of 0.90 million yuan, retail net inflow of 2.41 million yuan - Zhangjiagang Bank: Main fund net outflow of 0.76 million yuan, retail net inflow of 0.69 million yuan - Ruifeng Bank: Main fund net outflow of 5.63 million yuan, retail net inflow of 4.36 million yuan [2]

Group 1: Credit Strategy and Focus - The bank will continue to focus on supporting the real economy and rural revitalization, increasing credit investment in agriculture and small micro enterprises [2] - Emphasis on "supporting agriculture and small businesses" as the main strategic positioning, with ongoing adjustments to credit structure to align with financial industry trends [2] Group 2: Services for Small and Micro Enterprises - The bank aims to enhance the quality and efficiency of financial services for small and micro enterprises through systematic measures [2] - Specific initiatives include ensuring a dedicated credit plan for small and micro enterprises, promoting the "Thousand Villages and Ten Thousand Households" initiative, and improving service reach [2][3] Group 3: Risk Management and Innovation - Implementation of a due diligence exemption system and risk tolerance for small micro loans to boost confidence among loan officers [3] - Focus on product innovation and scenario marketing to enhance the accessibility of financial products for small and micro enterprises [3] Group 4: Digital Transformation - The bank is committed to improving digital lending capabilities by developing online credit products and leveraging digital platforms for inclusive finance [3]