Core Viewpoint - Qingdao Rural Commercial Bank announced the resignation of executive director and vice president Ding Minglai due to age reasons, effective immediately upon submission of his resignation report to the board [1] Group 1 - Ding Minglai held multiple positions including executive director, vice president, and member of the board's risk management and related party transaction control committee [1] - His original term was set to last until the current board's term expired [1] - After resigning, Ding Minglai will not hold any positions within the bank or its controlling subsidiaries [1]

Group 1 - The agricultural commercial bank sector increased by 1.37% on January 20, with Changshu Bank leading the gains [1] - The Shanghai Composite Index closed at 4113.65, down 0.01%, while the Shenzhen Component Index closed at 14155.63, down 0.97% [1] - The trading volume and turnover for Changshu Bank were 1.0572 million shares and 760 million yuan, respectively, with a price increase of 2.40% [1] Group 2 - The net inflow of main funds in the agricultural commercial bank sector was 12.014 million yuan, while retail investors experienced a net outflow of 47.1263 million yuan [1] - The net inflow of speculative funds was 35.1124 million yuan [1] - Specific banks like Chongqing Rural Commercial Bank saw a main fund net inflow of 44.9272 million yuan, while Changshu Bank had a significant net outflow of 61.4796 million yuan [2]

Core Viewpoint - Qingdao Rural Commercial Bank is set to appoint Liang Yanbo, aged 47, as its executive director candidate, potentially making him the youngest chairman among A-share listed banks if approved [2][5]. Group 1: Leadership Transition - Liang Yanbo has extensive experience in the Shandong rural credit system, having held various leadership positions in multiple rural commercial banks before becoming the party secretary of Qingdao Rural Commercial Bank in December 2025 [3][5]. - The previous chairman, Wang Xifeng, retired due to age, and Liang's appointment comes at a time when the bank faces significant challenges in performance and compliance [5][6]. Group 2: Financial Performance - Qingdao Rural Commercial Bank's revenue has been declining, with a reported operating income of 8.028 billion yuan in the first three quarters of 2025, a decrease of 4.92% year-on-year, and a trend of quarterly worsening [6][7]. - The bank's net profit for the same period was 3.318 billion yuan, showing a growth of 3.57%, but the growth rate has been slowing down compared to earlier quarters [6]. Group 3: Asset Quality - The bank has the highest non-performing loan (NPL) ratio among A-share rural commercial banks at 1.73%, despite a decrease from 1.79% at the end of 2024 [8][9]. - The NPL generation rate has remained above 2% for four consecutive years, indicating ongoing risk management challenges [8]. Group 4: Compliance Issues - Qingdao Rural Commercial Bank has faced multiple regulatory penalties in 2025 for various violations, highlighting significant compliance shortcomings that need to be addressed under Liang Yanbo's leadership [10]. - Experts emphasize the necessity for the bank to strengthen its compliance framework to mitigate risks and ensure sustainable growth [10]. Group 5: Strategic Focus - The bank plans to enhance its focus on agricultural and small micro-loans, aligning with its strategic positioning to support rural development and small enterprises [11][12]. - There is an emphasis on promoting inclusive finance and green finance to support economic restructuring and high-quality development [12].

Group 1 - The core point of the news is the resignation of Ding Minglai, the executive director and vice president of Qingnong Commercial Bank, due to age reasons [1] - Ding Minglai submitted a written resignation report to the board, resigning from his positions in the fifth board of directors and the Risk Management and Related Party Transaction Control Committee [1] - His resignation will take effect from the date the resignation report is delivered to the board, and he will no longer hold any positions in the bank or its subsidiaries after resigning [1]

Core Viewpoint - Qingdao Rural Commercial Bank announced the resignation of its executive director and vice president, Ding Minglai, due to age reasons, effective immediately upon the delivery of his resignation report to the board [2] Group 1 - Ding Minglai resigned from his positions as executive director, vice president, and member of the Risk Management and Related Party Transaction Control Committee of Qingdao Rural Commercial Bank [2] - His original term was set to last until the current board's term expired [2] - After his resignation, Ding Minglai will not hold any positions within Qingdao Rural Commercial Bank or its controlling subsidiaries [2]

Group 1 - The announcement states that Mr. Ding Minglai has resigned from his positions as Executive Director, Vice President, and member of the Risk Management and Related Party Transaction Control Committee of Qingnong Commercial Bank due to age reasons [1] - Mr. Ding's original term was set to last until the current board's term expired, but he will no longer hold any positions within the bank or its subsidiaries following his resignation [1]

Group 1 - The announcement states that Mr. Ding Minglai has submitted his resignation due to age reasons, stepping down from his positions as Executive Director, Vice President, and member of the Risk Management and Related Party Transactions Control Committee of the bank [1][4][6] - Mr. Ding's resignation is effective immediately upon delivery of the resignation report to the board, and he will not hold any positions in the bank or its subsidiaries after his resignation [1][5][6] - As of the announcement date, Mr. Ding holds 560,000 shares of the bank, and he will continue to comply with relevant regulations regarding the management of shares held by directors and senior management [6][7] Group 2 - The board expresses gratitude for Mr. Ding's contributions during his tenure [6] - The resignation will not result in the board falling below the legal number of members [6] - The announcement is part of the bank's compliance with legal and regulatory requirements [5][6]

| 证券代码：002958 | 证券简称：青农商行 | 公告编号：2026-004 | | --- | --- | --- | | 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 关于执行董事、高级管理人员辞职的公告 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。 一、董事离任情况 青岛农村商业银行股份有限公司（以下简称本行）董事会近日收到本行执行董事、 副行长丁明来先生提交的辞职报告。因年龄原因，丁明来先生辞去本行第五届董事会 执行董事、副行长，以及董事会风险管理与关联交易控制委员会委员等职务，其原定 任期至本届董事会任期届满时为止。辞职后，丁明来先生不在本行及本行控股子公司 担任任何职务。根据相关法律法规及本行《公司章程》规定，丁明来先生的辞职自辞 职报告送达董事会时生效。 截至本公告日，丁明来先生持有本行560,000股股份。丁明来先生辞职后，将继续 遵守《上市公司董事和高级管理人员所持本公司股份及其变动管理规则》《深圳证券 交易所上市公司自律监管指引第18号——股东及董事、高级管理人员减持股份》等相 关法律法规及所作的 ...

Core Viewpoint - Qingnong Commercial Bank (青农商行) is set to appoint Liang Yanbo as its new chairman, potentially making him the youngest chairman among A-share listed banks, amid challenges such as declining revenue and high non-performing loan rates [2][4][6]. Group 1: Leadership Change - Liang Yanbo has been nominated as a candidate for the executive director of the fifth board of Qingnong Commercial Bank, pending approval from the regulatory authority [2][3]. - Liang, aged 47, has extensive experience in the Shandong rural credit system and has previously held leadership positions in several rural commercial banks [4]. - The previous chairman, Wang Xifeng, retired due to age, leading to Liang's nomination [4]. Group 2: Financial Performance - For the first three quarters of 2025, Qingnong Commercial Bank reported an operating income of 8.028 billion yuan, a year-on-year decrease of 4.92% [6]. - The bank's net interest margin has been declining, with rates of 1.76%, 1.67%, and 1.61% from 2023 to the first three quarters of 2025 [6]. - Investment income for the same period was 1.574 billion yuan, a year-on-year increase of 32.59%, but fair value changes resulted in a significant loss of 781.71 million yuan, contributing to the overall revenue decline [6][7]. Group 3: Asset Quality and Risks - As of September 2025, the non-performing loan (NPL) rate of Qingnong Commercial Bank was 1.73%, the highest among A-share listed rural commercial banks [8]. - The bank's NPLs in the real estate sector reached 2.095 billion yuan, accounting for 43.9% of total NPLs, with a significant increase in the NPL rate from 7.17% to 21.32% in that sector [8]. - The bank aims to enhance credit asset quality management and focus on supporting the economic development of Shandong province and Qingdao city [9].

Group 1 - Qingnong Commercial Bank (青农商行) has nominated Liang Yanbo as the candidate for the fifth board of directors, pending approval from the regulatory authority [2][3] - If approved, Liang Yanbo will become the youngest chairman among A-share listed banks, taking over a bank with over 500 billion yuan in assets [2][4] - As of September 2025, Qingnong Commercial Bank reported a revenue of 8.028 billion yuan, a year-on-year decrease of 4.92%, primarily due to a significant drop in fair value changes [6][7] Group 2 - The bank's non-performing loan (NPL) ratio improved slightly from 1.79% at the end of 2024 to 1.73% by September 2025, but it remains the highest among A-share listed commercial banks [6][7] - As of June 2025, the bank's NPLs in the real estate sector reached 2.095 billion yuan, accounting for 43.9% of total NPLs, with the NPL ratio in this sector rising sharply [6][8] - The bank's total assets were reported at 509.92 billion yuan as of September 2025, showing a slight recovery from a decline earlier in the year [4][5]