青岛农村商业银行股份有限公司独立董事 关于相关事项的独立意见 关于控股股东及其他关联方占用公司资金、公司对外担保的独立意见 根据《中华人民共和国公司法》《深圳证券交易所上市公司自律监管指引第 1 号 ——主板上市公司规范运作》及《公司章程》等有关规定，作为青岛农村商业银行股 份有限公司（以下简称"公司"）的独立董事，现对下列事项发表如下独立意见： 1.2023 年上半年，公司不存在控股股东及其他关联方占用资金的情况。 2.担保业务是公司经中国人民银行和国家金融监管总局批准的常规银行业务之 一。2023 年上半年，公司认真贯彻执行相关规定，除经监管机构批准的经营范围内的 金融担保业务外，没有其它需要披露的重大担保业务事项。 独立董事：孙国茂、栾丕强、王少飞、潘爱玲、李维安 ...

其他关联资金往来 资金往来方 名称 往来方与上市公 司的关联关系 上市公司核算的 会计科目 2023年期初往来 资金余额 2023年上半年 往来累计发生 金额不含利息 2023年上半年 往来资金的利 如有 2023年上半年 偿还累计发生 金额 2023 末往来资金 余额 往来形成原 往来性质 经营性 往来 非经营性往 控股股东 实际控 制人及其附属企业 经营性往来 上市公司的子公司 及其附属企业 无 非经营性往来 其他关联方及其附 5F 非经营性往来 属企业 .1 法定代表人 董事长 于丰星 行长 代行行长职责 武兆 印兆 计划财务部负责人 4^ 青岛农村商业银行股份有限公司 以下简称〃本行〃 作为上市的商业银行 经营范围包括贷款和资金业务 本行向关联方发放 的贷款及进行的资金业务 严格按照中国人民银行的规定开展 不属于一般意义上的关联方占用上市公司资金范畴 有关本行与主要 股东及其他关联方的重大交易以及经营性资金往来 已在本行2023年半年度财务报告中披露 未在本表中列示 青岛农村商业银行股份有限公司2023年上半年非经营性资金占用及其他关联资金往来情况汇总表 金额单位 万元 | 年上半年 | 年上半年 | ...

证券代码：002958 证券简称：青农商行 公告编号：2023-055 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 第四届监事会第十三次临时会议决议公告 本行及监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"）第四届监事会第十三次 临时会议于 2023 年 8 月 28 日以通讯表决方式召开。会议通知已于 2023 年 8 月 23 日 以电子邮件及书面方式发出。会议应参加表决监事 8 人，实际参加表决监事 8 人。会 议的召开程序符合《中华人民共和国公司法》及《公司章程》的有关规定。 会议审议通过了以下议案： 审议并通过《关于<青岛农村商业银行股份有限公司 2023 年半年度报告及摘要> 的议案》。 表决结果为：同意 8 票，反对 0 票，弃权 0 票。 监事会认为，本行董事会编制《青岛农村商业银行股份有限公司 2023 年半年度 报告及摘要》的程序符合法律、行政法规和中国证监会的规定，报告内容真实、准确、 完整地反映了上市公司的实际情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 特此公告 ...

证券代码：002958 证券简称：青农商行 公告编号：2023-053 转债代码：128129 转债简称：青农转债 （http://www.cninfo.com.cn）披露的《第四届董事会第十九次临时会议决议公告》。 袁文波女士、朱光远先生的简历详见本行 2023 年 6 月 30 日在巨潮资讯网 （http://www.cninfo.com.cn）披露的《第四届董事会第九次会议决议公告》。 董事会秘书朱光远先生联系方式如下： 联系地址：山东省青岛市崂山区秦岭路 6 号 1 号楼 联系电话：0532-66957767 青岛农村商业银行股份有限公司 关于高级管理人员任职资格获核准的公告 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。 近日，青岛农村商业银行股份有限公司（以下简称"本行"）收到《关于王瑜任 职资格的批复》（青国金复﹝2023﹞38 号）、《关于姜晖任职资格的批复》（青国金 复﹝2023﹞39 号）、《关于朱光远任职资格的批复》（青国金复﹝2023﹞40 号）、 《关于袁文波任职资格的批复》（青国金复﹝2023﹞41 号）。王瑜、姜晖符合银行业 金融机构 ...

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 | --- | --- | --- | |-------------------------|----------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...