一、会议召开情况 （一）召开时间： 证券代码：002958 证券简称：青农商行 公告编号：2025-028 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 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。 特别提示： 月25日上午9:15-9:25，9:30-11:30，下午13:00-15:00；通过深圳证券交易所互联网投票 系统投票的时间为2025年6月25日9:15-15:00。 （六）本次会议的召开符合《中华人民共和国公司法》及《青岛农村商业银行股 份有限公司章程》（以下简称《公司章程》）等有关规定。 二、会议出席情况 出席本次股东大会的股东及股东授权代表共467人，代表有表决权股份 及股东授权代表7人，代表有表决权股份703,222,300股，占本行有表决权股份总数的 本行部分董事、监事、高级管理人员出席和列席会议。江苏世纪同仁律师事务所 律师对本次会议作了见证。 三、议案审议情况 本次股东大会采取现场投票和网络投票相结合的表决方式，审议通过了以下议案： | 议案 | | | 同意 | | 反对 | | 弃 | | --- | - ...

| 证券代码：002958 | 证券简称：青农商行 | 公告编号:2025-027 | | --- | --- | --- | | 转债代码：128129 | 转债简称：青农转债 | | 本期债券的募集资金将投向《金融"五篇大文章"总体统计制度（试行）》中规 定的科创领域，包括发放科技贷款、投资科技创新企业发行的债券等，专项支持科 技创新领域业务。 特此公告。 青岛农村商业银行股份有限公司董事会 2025 年 6 月 25 日 1 青岛农村商业银行股份有限公司 关于 2025 年科技创新债券（第一期）发行完毕的公告 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。 经中国人民银行批准，青岛农村商业银行股份有限公司（以下简称本行）近日在 全国银行间债券市场发行"青岛农村商业银行股份有限公司 2025 年科技创新债券 （第一期）"（以下简称本次债券）。 本次债券簿记建档日为 2025 年 6 月 23 日，缴款日为 2025 年 6 月 25 日，发行规 模为人民币 10 亿元，为 5 年期固定利率债券，票面利率为 1.75%。 ...

江凑世䶬同仁律师事务所关于 晔岛农村商业揸坎侣份有敒公司 0 年度侣东大会的 法律意壃书 僶澿晔岛农村商业揸坎侣份有敒公司 根据《中华人民共和国嫃券法》《中华人民共和国公司法》《上市公司侣东 会壆则》澭以下䪂䣲"《侣东会壆则》"澮䩋法律、法壆和壆刅性文件以及现坎 有效的《晔岛农村商业揸坎侣份有敒公司䧢䤍》澭以下䪂䣲"《公司䧢䤍》"澮 的壆定澱江凑世䶬同仁律师事务所澭以下䪂䣲"本所"澮受晔岛农村商业揸坎侣 份有敒公司澭以下䪂䣲"公司"澮委托澱指派本所律师出席公司 2024 年度侣东大 会澭以下䪂䣲"本次侣东大会"澮澱并就本次侣东大会相关事杻出具本法律意壃 书。 为出具本法律意壃书澱本所律师对本次侣东大会所涉及的有关事杻廝坎了审 查澱查攇了相关会媰文件澱并对有关擰枚廝坎了必境的核查和榎嫃。 本所同意将本法律意壃书作为本次侣东大会的公告材料澱斑同其他会媰文件 一并报弃有关机构并公告。敦此以外澱未䷑本所同意澱本法律意壃书不得为任何 其他人用于任何其他目的。 本所律师根据相关法律、法壆和壆刅性文件的境求澱按照律师坎业公媦的业 务标准、录德壆刅和勤勉尽尥䯀神澱出具法律意壃如下澿 一、关于本次侣东大会的召旈、召开䤍序和召旈 ...

2024 年度股东大会决议公告 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。 证券代码：002958 证券简称：青农商行 公告编号：2025-028 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 特别提示： 1.本次股东大会无否决提案的情形。 2.本次股东大会不涉及变更以往股东大会已通过的决议。 一、会议召开情况 （一）召开时间： 1.现场会议召开时间：2025年6月25日（星期三）下午14:30。 2.网络投票时间：通过深圳证券交易所交易系统进行网络投票的时间为2025年6 月25日上午9:15-9:25，9:30-11:30，下午13:00-15:00；通过深圳证券交易所互联网投票 系统投票的时间为2025年6月25日9:15-15:00。 （二）会议地点：青岛市崂山区秦岭路6号1号楼（农商财富大厦）4楼407会议室。 （三）召开方式：采取现场投票与网络投票相结合的方式。 （四）召集人：青岛农村商业银行股份有限公司（以下简称本行）董事会。 2 | 5.00 | | | | 关于青岛农村商业银行股份有限公司部分关联方 2025 年日 ...

| 证券代码：002958 | 证券简称：青农商行 | 公告编号:2025-026 | | --- | --- | --- | | 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 2025 年二级资本债券发行完毕的公告 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。 经国家金融监督管理总局青岛监管局和中国人民银行批准，青岛农村商业银行股 份有限公司（以下简称本行）近日在全国银行间债券市场发行"青岛农村商业银行 股份有限公司 2025 年二级资本债券"（以下简称本次债券）。 本次债券簿记建档日为 2025 年 6 月 20 日，缴款日为 2025 年 6 月 24 日，发行规 模为人民币 20 亿元，为 10 年期固定利率债券，在第 5 年末附有条件的发行人赎回 权，发行人在有关监管机构认可的前提下有权按面值部分或全部赎回该品种债券， 票面利率为 2.04%。 本期债券募集资金将依据适用法律和监管部门的要求，充实本行二级资本。 特此公告。 青岛农村商业银行股份有限公司董事会 1 2025 年 6 月 24 日 ...

Core Viewpoint - The article highlights the resilience and vitality of China's foreign trade, showcasing the role of Qingdao Rural Commercial Bank in supporting small and micro foreign trade enterprises through innovative financial services and products [1][2][10]. Group 1: Foreign Trade Growth - China's foreign trade has shown remarkable growth, with electric vehicle exports increasing by 19% in the first five months of the year, and imports and exports to ASEAN and Africa growing by 9.1% and 12.4% respectively [1]. - The bank has supported over 13,000 foreign trade enterprises, nearly half of the total in Qingdao, demonstrating its significant impact on the local economy [2]. Group 2: Financial Innovation - Qingdao Rural Commercial Bank has introduced various innovative financial products, such as the "China-Pakistan Clearing Express" which offers up to 75% savings on transaction fees for cross-border settlements [2][5]. - The bank's "Foreign Trade Boost Loan" allows enterprises to apply for loans without collateral, providing financing support through credit and intellectual property pledges [5][6]. Group 3: Digital Transformation - The bank has integrated foreign trade data into its credit assessment system, transforming previously unused data into valuable assets for financing [6][7]. - The "Tariff e-loan 2.0" product has supported 1,379 enterprises with a total credit limit of 405 million yuan, showcasing the effectiveness of data-driven financial solutions [6]. Group 4: Risk Management - Qingdao Rural Commercial Bank emphasizes a balanced approach to risk management, implementing a comprehensive risk control system while maintaining rapid business growth [8][9]. - The bank has established a differentiated credit policy based on industry and development stage, ensuring tailored financial services for small and micro enterprises [9]. Group 5: Future Outlook - The bank aims to deepen its focus on supporting agriculture and small enterprises while leveraging its advantages in international business to create a resilient cross-border financial ecosystem [10][11]. - The commitment to digital finance and expanding cross-border services is expected to enhance the bank's role as a financial partner for small foreign trade enterprises [10].

Core Viewpoint - The company is focused on maintaining steady growth in loan issuance while supporting the real economy and rural revitalization efforts, with a strategic emphasis on agricultural and small micro-enterprises [3]. Group 1: Impact of U.S. Tariff Policies - The overall impact of U.S. tariff policies on the bank's clients is manageable, as there are few credit clients involved in U.S. imports and exports [2]. - The bank plans to closely monitor international policy changes and provide services such as exchange rate hedging to help clients mitigate trade risks [2]. - The bank will enhance financial support for existing import and export credit clients through fee reductions and process optimizations [2]. Group 2: Loan Growth Outlook - The bank expects a steady increase in loan scale for 2025, focusing on supporting the real economy and rural revitalization [3]. - There will be an emphasis on credit issuance for agricultural and small micro-enterprises, reinforcing the bank's strategic positioning in these areas [3]. - The bank aims to control risks while increasing loan issuance and optimizing loan structures to support economic development [3]. Group 3: Fee Income and Business Development - The bank plans to implement multiple measures to advance its intermediary business development in 2025 [4]. - There will be a focus on optimizing asset management structures and enhancing the scale of insurance product sales [4]. - The bank aims to improve comprehensive service capabilities for corporate clients, addressing their diverse needs in financing, foreign exchange trading, and asset management [4]. Group 4: Financial Performance - In the first quarter of 2025, the bank reported a main revenue of 3.057 billion yuan, a year-on-year increase of 0.99% [5]. - The net profit attributable to shareholders was 1.182 billion yuan, reflecting a year-on-year growth of 7.97% [5]. - The bank's investment income reached 0.962 billion yuan, with a debt ratio of 91.89% [5].

Group 1: Impact of U.S. Tariff Policies - The overall impact of U.S. tariff policies on the bank's clients is manageable, as there are few credit clients involved in U.S. imports and exports [2] - The bank will closely monitor international policy changes and provide services such as exchange rate hedging to help clients mitigate trade risks [2] - Financial support for existing import and export credit clients will be strengthened through measures like fee reductions and process optimization [2] Group 2: Loan Growth Outlook - The bank expects steady growth in loan scale for 2025, focusing on supporting the real economy and rural revitalization [2] - Increased credit allocation will target agriculture, inclusive small and micro enterprises, and strategic emerging industries [2] - The bank will maintain a principle of strict risk control while expanding loan issuance and optimizing loan structure [2] Group 3: Fee Income Projections - The bank aims to promote the development of intermediary businesses through multiple measures in 2025 [2] - Efforts will include optimizing asset management structures and enhancing the scale of insurance product sales [2] - The bank will focus on personalized needs of corporate clients in comprehensive financing, foreign exchange trading, and asset management to improve overall financial asset returns [2]

证券代码：002958 证券简称：青农商行 公告编号:2025-025 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 关于获准发行资本工具的公告 2025 年 6 月 17 日 1 近日，青岛农村商业银行股份有限公司（以下简称本行）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发行资本工具的批复》（青金复〔2025〕132 号）， 同意本行发行不超过 20 亿元人民币的资本补充工具，本行可在批准额度内，自主决 定具体工具品种、发行时间、批次和规模，并于批准后 24 个月内完成发行。 本行将严格遵守《商业银行资本管理办法》等有关规定，做好资本工具发行管理 等工作。 特此公告。 青岛农村商业银行股份有限公司董事会 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。 ...

Core Viewpoint - The introduction of a new fruit income insurance product by China Life Property & Casualty Insurance Qingdao Branch provides dual protection for fruit farmers against both yield losses due to natural disasters and income losses from market price declines [1][2]. Group 1: Product Features - The total insurance coverage for the fruit income insurance product is 1.49 million yuan, transitioning from "cost protection" to "income protection" [1]. - The insurance covers risks from natural disasters (such as hail, drought, and floods), accidents, and pest damage, ensuring compensation when actual income falls below the target income specified in the insurance contract [1]. Group 2: Collaborative Model - The successful implementation of this innovative insurance scheme is attributed to the collaboration among banks, insurance companies, and enterprises, creating a multi-dimensional risk protection and financing support model for the fruit industry [2]. - Shandong Rugong Agricultural Service Co., Ltd. provides support in selection, cultivation, management, and sales, while also supplying reliable yield and market price data during the insurance period [2]. - Qingdao Rural Commercial Bank offers financing services, allowing farmers to use the insurance policy as collateral for loans, enhancing their repayment capacity [2]. Group 3: Future Outlook - The company aims to continuously innovate its products and services to meet the diverse protection needs of farmers, thereby supporting high-quality agricultural development and stable income growth for farmers [2].