1 多、面广优势，全力推进网格化服务，打通金融服务"最后一公里"。作为地 方法人银行，本行将紧跟农业强国、农业强市目标要求，强化对乡村建设、 稳产保供、现代农业、要素强农、改革富农等重点领域金融支持力度，围 绕"服务场景化、流程标准化、渠道线上化、合作平台化、团队专业化"的思 路，聚焦农村产业链、涉农经营实体等客群，持续加大支持力度。工作中， 本行将优先确保乡村振兴支持领域信贷投放资源，在持续推进网格化服务 基础上，重点加大对农业产业链、农业产业化龙头企业、示范产业园区等 经营实体支持力度，助力发挥上下游辐射拉动作用。同时，本行将践行"客 群-产品-渠道"经营思路，围绕重点支持涉农产业及客户，加快推进数字化 信贷产品研发落地。此外，本行将加强服务场景融合，推进支农服务生态 建设。依托小微云等便民服务渠道优势，主动嵌入农产品收购场景，持续 扩大对农村居民和农村经营业主服务半径，提升服务能力。谢谢。 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:2023-01 | 投资者关系活动类 | □特定对象调研 □分析师会议 | | --- | --- | | 别 | ...

Financial Performance - Operating revenue for Q1 2023 was CNY 2,671,626, an increase of 7.23% compared to CNY 2,491,450 in Q1 2022[8] - Net profit for Q1 2023 reached CNY 991,962, reflecting a growth of 6.14% from CNY 934,569 in Q1 2022[15] - Basic earnings per share for Q1 2023 were CNY 0.16, up 6.67% from CNY 0.15 in Q1 2022[15] - The total profit for the group was RMB 1,059,349 thousand, up from RMB 1,009,545 thousand in the same quarter of 2022, marking a growth of approximately 4.94%[55] - The total comprehensive income for the group was RMB 986,037 thousand, an increase from RMB 887,076 thousand in the previous year, representing a growth of about 11.16%[58] Assets and Liabilities - Total assets as of March 31, 2023, amounted to CNY 463,246,165, representing a 6.54% increase from CNY 434,791,316 at the end of 2022[15] - Total liabilities as of March 31, 2023, were CNY 425,873,479, an increase of 6.92% from CNY 398,308,675 at the end of 2022[15] - The total net capital as of March 31, 2023, is 41,459,185 thousand yuan, an increase from 40,327,282 thousand yuan at the end of 2022[28] - Total assets reached RMB 463,246,165 thousand as of March 31, 2023, up from RMB 434,791,316 thousand at the end of 2022, representing a growth of 6.00%[49] - Total liabilities amounted to RMB 425,873,479 thousand, an increase of 6.94% from RMB 398,308,675 thousand at the end of 2022[50] Cash Flow - The net cash flow from operating activities for Q1 2023 was CNY 11,866,023, compared to a negative cash flow of CNY (5,218,849) in Q1 2022[15] - The total cash inflow from operating activities amounted to RMB 27,504,718 thousand, compared to RMB 23,720,371 thousand in the previous year, indicating an increase of about 16%[83] - The net cash flow from operating activities was RMB 11,866,023 thousand, a significant recovery from a net outflow of RMB 5,218,849 thousand in the same period last year[100] - Cash flow from operating activities showed a significant increase, with net cash flow of $8,905,088 compared to $1,451,048 in the same period last year[108] Investment and Income - Investment income for Q1 2023 reached 365,364 thousand yuan, a 37.22% increase compared to 266,268 thousand yuan in Q1 2022[29] - The group’s investment income was RMB 365,364 thousand, significantly higher than RMB 266,268 thousand in the same period last year, showing a growth of approximately 37.19%[53] - Other income increased by 387.40% to RMB 31,398 thousand, primarily due to increased government subsidies related to interest rate swaps[42] - Other business income rose by 79.62% to RMB 6,177 thousand, attributed to an increase in leasing income[42] Loan and Credit Metrics - The total amount of loans and advances as of March 31, 2023, was CNY 245,072,130, a 2.04% increase from CNY 240,181,796 at the end of 2022[15] - The non-performing loan ratio is 2.09% as of March 31, 2023, compared to 2.19% at the end of 2022[28] - The bank's total loans and advances amounted to 245,072,130 thousand yuan, with non-performing loans totaling 5,115,861 thousand yuan[29] - The bank's provision coverage ratio stands at 227.80%, well above the required 150%[28] Operational Efficiency - The cost-to-income ratio improved to 24.58% in Q1 2023 from 30.34% for the full year 2022[28] - The return on total assets (annualized) increased to 0.88% in Q1 2023, up from 0.54% in 2022[28] - The bank's liquidity coverage ratio is 262.52%, significantly above the regulatory requirement of 100%[29] - The bank's leverage ratio improved, indicating a stronger capital position[39] Customer Deposits - Customer deposits rose to RMB 305,783,470 thousand, up from RMB 286,320,039 thousand, marking an increase of 6.83%[50] - Net increase in deposits reached RMB 19,531,422 thousand for the period ending March 31, 2023, up from RMB 14,552,924 thousand in the same period of 2022, representing a growth of approximately 34%[83]

Financial Performance - The net profit for 2022 was 2,346.4 million, down 745.6 million or 24.11% from 2021[79]. - The net profit attributable to shareholders was 2,317.1 million, a decrease of 748.4 million or 24.41% year-over-year[79]. - Total operating income for 2022 was 9,943.9 million, a decrease of 352.9 million or 3.43% compared to 2021[79]. - Net interest income decreased to 7,839.1 million, down 209.2 million or 2.60% from the previous year[79]. - Non-interest income fell to 2,104.8 million, a decline of 143.7 million or 6.39% year-over-year[79]. - Operating expenses increased to 7,839.6 million, an increase of 907.6 million or 13.09% compared to 2021[79]. - Credit impairment losses rose significantly by 945.5 million or 25.18%, totaling 4,700.1 million in 2022[79]. - The company's operating income decreased by 3.43% to CNY 9,943,897 thousand in 2022, down from CNY 10,296,758 thousand in 2021[158]. - Net profit for 2022 was CNY 2,346,449 thousand, a decline of 24.11% compared to CNY 3,092,067 thousand in 2021[158]. Asset and Liability Management - The bank's total assets increased to CNY 434.79 billion, a growth of 1.01% from CNY 430.44 billion in 2021[118]. - The total liabilities of the company as of December 31, 2022, amounted to CNY 398.31 billion, a slight increase of 0.74% from CNY 395.39 billion in the previous year[168]. - The bank's total equity increased to CNY 36,482,641 thousand in 2022 from CNY 35,050,082 thousand in 2021, reflecting a growth of 4.08%[189]. - The bank's cash flow from operating activities showed a net outflow of CNY 5,218,849 thousand in Q1 2022, followed by a significant inflow of CNY 15,016,955 thousand in Q2[135]. - The bank's cash outflow from operating activities decreased by CNY 144.92 billion, mainly due to reduced cash outflow from repurchase financial assets and lending[190]. Loan and Deposit Growth - The bank's total loans and advances amounted to 706.42 billion yuan, up from 647.69 billion yuan in 2021, reflecting a growth rate of 9.05%[101]. - The average balance of corporate loans was 154.57 billion in 2022, with interest income of 8.06 billion, while personal loans averaged 67.98 billion with interest income of 3.53 billion[59]. - Customer deposits reached CNY 286.32 billion, representing a 6.51% increase from CNY 268.82 billion in 2021[169]. - The proportion of personal deposits increased to 67.73% of total deposits, up from 61.50% in 2021[169]. - The total amount of loans and advances issued reached CNY 240.18 billion, up from CNY 232.56 billion in 2021, reflecting a growth of 3.03%[127]. Risk Management - The core tier 1 capital adequacy ratio was 9.77%, exceeding the regulatory requirement of 7.5%[24]. - The non-performing loan ratio was 2.19%, which is below the regulatory limit of 5%[24]. - The loan provision coverage ratio was 207.63% in 2022, down from 231.77% in 2021, indicating a decrease in the bank's ability to cover potential loan losses[64]. - The bank has established a comprehensive risk management framework, enhancing internal control and compliance culture[10]. - The bank aims to strengthen its risk management framework and improve credit management processes to ensure comprehensive risk control[78]. Innovation and Development - The bank has launched innovative financial products, including the "Carbon Benefit" service platform and green financial management products, enhancing its green finance initiatives[51]. - The company has received two invention patents for its "Agricultural Product Purchase e-Station" initiative, showcasing its commitment to innovation[51]. - The company has introduced 24 new system functions for its direct banking services, enhancing its online business capabilities[51]. - The bank's strategy focuses on market engagement and customer group development, reinforcing its service to small and medium enterprises[21]. - The bank's focus on supporting agriculture and small enterprises has led to a strategic increase in credit support for rural revitalization efforts[141]. Awards and Recognition - The bank was included in the Forbes 2022 Global 2000 list of companies[1]. - The bank received the "Outstanding Large Asset Management Rural Commercial Bank" award at the Puyi Standard "Golden Honor Award" event[1]. - The company ranked 266th in the "Global Bank Brand Value 500" list published by Brand Finance in 2022[33].

| 证券代码：002958 | 证券简称：青农商行 公告编号：2023-032 | | --- | --- | | 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 关于举行 2022 年度业绩网上说明会的公告 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。 青岛农村商业银行股份有限公司（以下简称"本行"）将于 2023 年 5 月 8 日（星 期一）下午 15:00-16:30 在全景网举行 2022 年度业绩网上说明会。本次说明会将采用 网络远程方式举行，投资者可登陆全景网"投资者关系互动平台"（http://ir.p5w.net/） 参与本次说明会。 为广泛听取投资者的意见和建议、提升交流的针对性，现就本行 2022 年度业绩 网上说明会提前向投资者征集相关问题，投资者可于 2023 年 5 月 5 日（星期五）16:00 前访问 https://ir.p5w.net/zj/，或扫描下方二维码，进入问题征集专题页面。本行将在 2022 年度业绩网上说明会上，对投资者普遍关注的问题进行回答。 1 （问题征集专题页面二维码） 欢迎 ...

1 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:2020-01 | --- | --- | --- | |-------------------------|--------------------------------------------------|--------------------------------------------------------------| | 投资者关系活动类 \n别 | √ 特定对象调研 \n□ 媒体采访 \n□ \n□ 现场参观 | □分析师会议 \n□ 业绩说明会 \n新闻发布会 □路演活动 \n□ 其他： | | 参与单位名称及人 员姓名 | | 华泰证券沈娟，华泰联合证券曾伟、许可，南方基金金岚枫 | | 时间 | 2020 年 9 月 11 | 日上午 | | 地点 | 本行 4 楼会议室 | | | 上市公司接待人员 姓名 | 本行高管及相关部门人员 | | | --- | --- | |------------------|----------------------------------- ...

1 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:2019-02 | --- | --- | --- | |-------------------------|----------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

Financial Performance - Operating income for Q3 2022 was 2,687,736 thousand yuan, a decrease of 8.24% compared to the same period last year[5] - Net profit for Q3 2022 was 1,058,921 thousand yuan, a decrease of 1.86% year-on-year[5] - The bank's basic earnings per share for Q3 2022 was 0.19 yuan, unchanged from the previous year[6] - The bank's net profit margin improved, with net interest income reflecting a positive trend due to increased average yield on interest-earning assets[20] - The bank's total profit for the nine months ended September 30, 2022, was RMB 2,943,673 thousand, compared to RMB 2,904,908 thousand for the same period in 2021, reflecting a slight increase[54] - The total operating income for the nine months ended September 30, 2022, was RMB 7,815,352 thousand, down 5.0% from RMB 8,229,604 thousand in the same period of 2021[51] - The total comprehensive income for the nine months ended September 30, 2022, was RMB 2,788,336 thousand, a decrease of 5.6% from RMB 2,954,196 thousand in the same period of 2021[46] Assets and Liabilities - Total assets as of September 30, 2022, reached 436,112,214 thousand yuan, an increase of 1.32% from the end of 2021[6] - The bank's total liabilities amounted to 398,978,981 thousand yuan, an increase of 0.91% from the end of 2021[6] - The bank's total assets increased to CNY 465.984 billion as of September 30, 2022, compared to CNY 460.890 billion at the end of December 2021[16] - The total liabilities of the group as of September 30, 2022, were RMB 398,978,981 thousand, up from RMB 395,388,008 thousand as of December 31, 2021, reflecting an increase of approximately 1.63%[31] Capital and Ratios - The core tier 1 capital adequacy ratio was 10.03% as of September 30, 2022, up from 9.62% at the end of 2021[13] - The non-performing loan ratio stood at 1.91% as of September 30, 2022, compared to 1.74% at the end of 2021[13] - The return on average equity (annualized) was 13.68%, down 1.40 percentage points year-on-year[6] - The bank's leverage ratio increased to 7.74% as of September 30, 2022, compared to 7.34% at the end of June 2022[16] Loans and Advances - The total loans and advances amounted to 238,389,403 thousand yuan, an increase of 2.51% from the end of 2021[6] - The bank's total loans and advances amounted to CNY 238.389 billion as of September 30, 2022, with normal loans accounting for 93.38%[17] Income and Expenses - The net interest income for the nine months ended September 30, 2022, was RMB 5,681,040 thousand, a decrease of 5.2% from RMB 5,988,017 thousand in the same period of 2021[51] - The bank's interest income for the nine months ended September 30, 2022, was RMB 12,487,820 thousand, slightly down from RMB 12,524,819 thousand for the same period in 2021, a decrease of about 0.30%[39] - The bank's interest expenses for the nine months ended September 30, 2022, were RMB 6,469,239 thousand, an increase from RMB 6,232,075 thousand in the same period of 2021[51] - The bank's total operating expenses for the nine months ended September 30, 2022, were RMB 4,839,587 thousand, a decrease from RMB 5,327,187 thousand in the same period of 2021[51] Cash Flow - The net cash inflow from operating activities for the group was CNY 28,501,545 thousand, a significant drop from CNY 44,991,679 thousand in the previous year, indicating a decline of about 36.7%[60] - The net cash outflow from operating activities was CNY 549,799 thousand, compared to a net inflow of CNY 2,717,208 thousand in the same period last year, reflecting a change of approximately 120.2%[63] - The total cash inflow from investment activities was CNY 61,430,328 thousand, down from CNY 81,167,039 thousand year-on-year, a decrease of around 24.3%[63] - The net cash flow from investment activities was CNY 9,785,156 thousand, contrasting with a net outflow of CNY 9,291,400 thousand in the previous year, showing a turnaround of approximately 205.5%[63] Other Income - The bank's other business income decreased by 55.62% year-on-year, primarily due to a reduction in leasing income[20] - The bank's minority interest profit decreased by 83.54% year-on-year, attributed to reduced net profit from village banks[20] - The bank's total investment income for the nine months ended September 30, 2022, was RMB 1,015,573 thousand, compared to RMB 1,366,017 thousand for the same period in 2021, a decline of about 25.66%[39]

Financial Performance - The bank reported a total revenue of 1,200 million RMB for the first half of 2022, representing a year-on-year increase of 15%[18]. - Net profit attributable to shareholders reached 400 million RMB, up 10% compared to the same period last year[18]. - Operating revenue for the first half of 2022 was 5,333,382 thousand, a decrease of 3.09% compared to 5,503,294 thousand in the same period of 2021[25]. - Net profit for the first half of 2022 reached 1,744,196 thousand, representing a 3.79% increase from 1,680,585 thousand in the first half of 2021[25]. - The bank's net profit for the first half of 2022 was CNY 1.74 billion, an increase of CNY 63.61 million or 3.79% compared to the same period in 2021[61]. - The bank's overall performance remains stable despite challenges from economic contraction and pandemic impacts, with ongoing efforts in business transformation and risk management[53]. Assets and Liabilities - The bank's total assets amounted to 100 billion RMB, reflecting a growth of 8% year-on-year[18]. - Total assets as of June 30, 2022, amounted to 444,211,531 thousand, reflecting a 3.20% increase from 430,438,090 thousand at the end of 2021[25]. - The total liabilities increased by 3.22% to 408,129,666 thousand from 395,388,008 thousand at the end of 2021[25]. - The bank's total liabilities as of June 30, 2022, were 408.13 billion yuan, representing a growth of 3.22% compared to the end of the previous year[131]. Loan and Deposit Growth - Customer deposits increased by 12% to 80 billion RMB, indicating strong customer retention and acquisition efforts[18]. - As of June 30, 2022, the company's total deposits reached CNY 288.33 billion, an increase from CNY 268.82 billion at the end of 2021, representing a growth of 7.03%[134]. - Personal deposits accounted for 63.78% of total deposits, amounting to CNY 183.89 billion, which is an increase of CNY 18.55 billion or 11.22% compared to the end of 2021[134]. - The balance of inclusive small and micro enterprise loans reached CNY 37.19 billion, serving 53,800 clients as of June 30, 2022[56]. - The total amount of loans issued was CNY 243.03 billion, with 93.65% concentrated in the Qingdao area[101]. Non-Performing Loans and Risk Management - The non-performing loan ratio stood at 1.5%, a decrease of 0.2 percentage points from the end of 2021[18]. - The non-performing loan ratio was reported at 1.72%, slightly improved from 1.74% in 2021[36]. - The non-performing loan balance was CNY 4.17 billion, with a non-performing loan ratio of 1.72%, a decrease of 0.02 percentage points from the end of the previous year[106]. - The bank's efforts in managing loan quality led to a slowdown in the growth of non-performing loans[106]. - The bank has implemented a comprehensive risk management framework focusing on credit, liquidity, and market risks, ensuring proactive identification and control of various risks[187]. Technology and Innovation - Investment in technology and digital banking solutions increased by 25% to improve operational efficiency[18]. - The bank has adopted a market-oriented talent recruitment strategy to attract and retain skilled professionals, ensuring competitive and stable management teams[52]. - The company actively expanded its digital banking services, completing 18 new and optimized functions for online banking and mobile banking[182]. - The bank has introduced innovative financial services tailored to meet the needs of rural and agricultural sectors, including a unique internet micro-payment system[48]. Future Outlook and Strategic Initiatives - The management anticipates a continued positive trend in profitability for the second half of 2022, projecting a net profit growth of 12%[18]. - The bank plans to expand its branch network by 20% in the next year to enhance service accessibility[18]. - The bank is exploring potential mergers and acquisitions to strengthen its market position and expand its service offerings[18]. - The bank has established financial service relationships with nearly 2,000 "specialized, refined, distinctive, and innovative" enterprises, offering priority approval and same-day completion services[56].

Financial Performance - Operating revenue was RMB 10.297 billion, reflecting a growth of 7.58% year-on-year[22]. - Net profit attributable to shareholders was RMB 3.066 billion, representing a year-on-year increase of 3.58%[22]. - In 2021, the total operating income reached 10.297 billion CNY, a year-on-year increase of 7.58%[30]. - The net profit attributable to shareholders was 3.066 billion CNY, reflecting a year-on-year growth of 3.58%[30]. - The total profit for 2021 reached CNY 3,313,443, reflecting a growth of 6.59% from CNY 3,108,546 in the previous year[50]. - Net profit for 2021 was CNY 3,092,067, up 3.85% from CNY 2,977,367 in 2020[50]. - The company's total profit for 2021 was CNY 3,313,443, up CNY 204,897 or 6.59% from the previous year[86]. - Net profit reached CNY 3,092,067, an increase of CNY 114,700 or 3.85% year-over-year[86]. Asset and Liability Management - Total assets reached RMB 430.44 billion, an increase of 5.81% compared to the beginning of the year[22]. - The bank's total assets increased by 5.81% to CNY 430,438,090 at the end of 2021, compared to CNY 406,811,073 at the end of 2020[50]. - The bank's total liabilities increased by 4.85% to CNY 395,388,008 in 2021 from CNY 377,108,681 in 2020[50]. - As of December 31, 2021, the total liabilities of the company amounted to 395.39 billion yuan, an increase of 4.85% compared to the previous year[166]. Loan and Deposit Growth - Total deposits amounted to RMB 268.82 billion, growing by 7.23% year-on-year[22]. - Personal deposits grew by 15.86% over the year[30]. - The company's total customer deposits reached 268.82 billion yuan, a growth from 250.69 billion yuan in 2020[170]. - The total amount of loans and advances increased by CNY 14.71 billion, representing a growth rate of 6.75% compared to the previous year[122]. Risk Management - The non-performing loan ratio stood at 1.74%[22]. - A comprehensive risk management system was established to enhance credit risk, liquidity risk, and market risk control[24]. - The bank aims to enhance risk management and compliance through a comprehensive reform of its organizational structure and business processes[34]. - The bank's non-performing loan (NPL) balance was CNY 4.04 billion, resulting in a non-performing loan ratio of 1.74%, an increase of 0.30 percentage points from the previous year[133]. - The bank's provisions for loan impairment increased to CNY 3,736,646 thousand in 2021, up from CNY 3,203,698 thousand in 2020[149]. International Business - International business settlement volume was USD 20.83 billion, a year-on-year increase of 19.35%[22]. - The international settlement volume reached 20.831 billion USD, an increase of 19.35%[31]. - In 2021, the bank's international settlement volume exceeded $20 billion, representing a year-on-year growth of 19.35%[79]. Digital Transformation - The bank established 8 digital transformation "tribes" and completed 71 key digital transformation projects[31]. - The bank has introduced a digital transformation strategy, completing 71 key projects in 2021 to enhance operational efficiency[79]. Green Finance Initiatives - The bank joined the United Nations' "Principles for Responsible Banking" to promote green finance initiatives[23]. - The bank joined the United Nations' "Principles for Responsible Banking" and initiated a green finance special action[30]. - The bank's green loan balance reached 5.655 billion yuan, with an increase of 82.54% year-on-year, supporting carbon neutrality goals[79]. Customer Service and Market Expansion - The bank aims to strengthen its service to small and micro enterprises and rural areas, aligning with national economic development policies[66]. - The bank has expanded its branch network to 358, including branches in Yantai and Jinan, enhancing its market presence[69]. - The bank has established a unique urban-rural financial service model, with the largest number of branches in Qingdao, providing convenient financial services to residents[73]. Financial Ratios and Performance Metrics - The return on average equity (ROE) was 10.63%, down from 11.58% in 2020, indicating a decline of 0.95 percentage points[50]. - The liquidity ratio improved to 89.95%, significantly higher than the regulatory minimum of 25%[62]. - The bank's total assets return rate decreased to 0.74%, down from 0.80% in 2020[62]. - The bank's diluted earnings per share decreased by 5.88% to CNY 0.48 in 2021 from CNY 0.51 in 2020[50]. Income Sources - Net interest income decreased to CNY 8,048,242, a decline of CNY 37,212 or 0.46% year-over-year, primarily due to a reduction in the average yield of interest-earning assets[86]. - Non-interest income surged to CNY 2,248,516, reflecting a significant increase of CNY 762,444 or 51.31% compared to 2020[86]. - The non-interest income from fees and commissions increased by 62.66% to CNY 0.492 billion in 2021, reflecting a focus on intermediary business growth[104].

单位：千元 证券代码：002958 转债代码：128129 公告编号：2022-016 证券简称：青农商行 转债简称：青农转债 青岛农村商业银行股份有限公司 2022年第一季度报告 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。 重要内容提示： 1 1.本行董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准 确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 2.本行董事长刘仲生先生、行长刘宗波先生、主管会计工作负责人王建华先生及会 计机构负责人肖卫国先生保证季度报告中财务信息的真实、准确、完整。 3.本行第一季度财务报表未经会计师事务所审计。 4.本报告所载财务数据及指标按照中国企业会计准则编制，除特别说明外，均为本 行及本行所属子公司的合并报表数据。 一、主要财务数据 （一）主要会计数据和财务指标 | --- | --- | --- | --- | |--------------------------|----------------------|----------------------|----------- ...