| 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]

Core Viewpoint - Qingnong Commercial Bank (002958) maintains a high core Tier 1 capital adequacy ratio, primarily due to its commitment to endogenous capital as the foundation for capital replenishment, focusing on profit retention, capital reserves, and surplus reserves for capital supplementation, driving high-quality growth through internal expansion [1] Group 1 - The bank's core Tier 1 capital adequacy ratio remains at a high level [1] - The bank emphasizes endogenous capital as the main source for capital replenishment [1] - Internal growth strategies are prioritized to promote high-quality development [1]

Core Viewpoint - Qingnong Commercial Bank (002958) has nominated Liang Yanbo as a candidate for the fifth board of directors, potentially making him the youngest chairman among the 42 A-share listed banks if the nomination is approved [1][3]. Group 1: Leadership Transition - Liang Yanbo, aged 47, is expected to become the youngest chairman of A-share listed banks, following the retirement of former chairman Wang Xifeng due to age [3]. - The transition of leadership has been smooth, with the current president, Yu Fengxing, temporarily taking over the chairman's responsibilities to ensure continuity [3]. - Liang's nomination is a significant step in his formal takeover of Qingnong Commercial Bank, reflecting the mainstream governance model of "party and government in one" [3][4]. Group 2: Liang Yanbo's Background - Liang has a strong background in rural credit systems, having held key positions in various rural commercial banks in Shandong, which provides him with extensive management and risk handling experience [4][5]. - His educational qualifications include a master's degree in business administration, and he has been involved in the reform of the rural credit system in Shandong [4]. Group 3: Industry Trends - Liang's appointment signals a trend towards younger leadership in the banking sector, as "post-75" chairmen are still a rare group among A-share listed banks, where the average age of executives is around 54 [4][8]. - If Liang's appointment is finalized, it will further accelerate the transition of A-share bank executives towards younger generations [8][9]. Group 4: Business Performance and Challenges - As of September 2025, Qingnong Commercial Bank's total assets reached 509.92 billion yuan, a 6.5% increase year-on-year, with total deposits of 335.2 billion yuan, maintaining a leading market share in Qingdao [5][6]. - However, the bank's revenue has faced challenges, with a slight decline of 4.9% year-on-year to 8.03 billion yuan in the first three quarters of 2025, indicating pressure on profit structure optimization [6][7]. - The bank's net profit attributable to shareholders grew by 3.6% year-on-year to 3.32 billion yuan, but this growth was supported by financial investment income, which is subject to market volatility [7]. Group 5: Future Directions - Liang has proposed measures to enhance the bank's digital transformation and support for inclusive finance, including advocating for access to credit data for farmers and small businesses [5]. - He aims to address financial service challenges in rural revitalization by restructuring assessment systems to include financial service indicators [5]. - The bank faces multiple operational challenges, including competition from local banks and the need for balanced expansion and quality improvement in its operations [8].

Group 1 - The agricultural commercial bank sector experienced a decline of 0.64% on January 16, with Yunnan Agricultural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 4101.91, down 0.26%, while the Shenzhen Component Index closed at 14281.08, down 0.18% [1] - The trading volume and turnover for various agricultural commercial banks are detailed, with Changshu Bank closing at 6.97, up 0.29%, and Yunnan Agricultural Commercial Bank closing at 6.35, down 1.70% [1] Group 2 - The net outflow of main funds from the agricultural commercial bank sector was 6.1766 million yuan, while retail funds saw a net outflow of 12.6 million yuan [1] - The table shows the net inflow and outflow of funds for individual banks, with notable figures such as 14.69% net inflow for Shanghai Agricultural Commercial Bank from main funds [2] - Jiangyin Bank had a significant net outflow of 30.1445 million yuan from main funds, indicating a 20.35% decrease [2]

Group 1: Loan Allocation Strategy - In 2026, the bank will focus on supporting the real economy, with key loan allocations directed towards "supporting agriculture and small enterprises" and increasing loans for agricultural and inclusive small micro-enterprises [2] - The bank will emphasize support for inclusive finance, green finance, and strategic emerging industries as part of its financial strategy [2] Group 2: Capital Adequacy - The bank's core Tier 1 capital adequacy ratio is on an upward trend, primarily due to the emphasis on internal capital generation through profit retention, capital reserves, and surplus reserves [2] - The bank maintains a high level of core Tier 1 capital adequacy ratio, reflecting its commitment to internal growth and high-quality development [2]

每经记者|宋钦章 每经编辑|魏文艺 1月13日，青农商行（SZ002958，股价3.09元，市值171.67亿元）召开第五届董事会第十六次临时会 议，审议并通过《关于提名梁衍波先生为第五届董事会执行董事候选人的议案》。公告显示，梁衍波已 于2025年12月起担任青农商行党委书记。 《每日经济新闻》记者注意到，在商业银行中，党委书记、董事长"一肩挑"是主流模式。按照常规程 序，这意味着梁衍波或将成为青农商行的新一任董事长。 梁衍波 图片来源：枣庄 农商银行微信公众号 根据国家金融监督管理总局发布的《银行保险机构公司治理准则》，国有银行保险机构应当坚持和完 善"双向进入、交叉任职"领导体制。党委书记、董事长一般由一人担任，党员行长（总经理）一般担任 副书记。 梁衍波 图片来源：枣庄 农商银行微信公众号 简历显示，梁衍波于1978年8月生，研究生学历，工商管理硕士学位。其长期在山东省农信系统任职， 包括博山农商银行党委书记、董事长，山东省农村信用社联合社菏泽审计中心党委委员、副主任，枣庄 农商银行党委书记、董事长，济南农商银行党委书记、董事长等。 根据《人民代表报》，作为山东省人大代表的梁衍波，曾于2023年1月在 ...

来源丨 凤凰网财经《银行财眼》 山东 省 最大的农商行 " 空降 " 一位 " 75 后"新掌门。 1 月 14 日， 青岛农商银行发布公告，提名 47 岁的梁衍波为执行董事候选人。 2025 年末 ，梁衍波已出任该行党委书记。按照 常规流程 ，在履行 完相关程序后，他 或将被董事会选举为 董事长。 这位深耕山东农信系统多年的 "老将"， 还有望 成为 A 股上市银行中最年轻的董事长。 对于 梁衍波 来讲 ， 即将执掌的青岛 农商行正处于一个微妙时刻：一方面是 资产规模站上 5000 亿的新纪录，另一方面则是 业绩 和资产质量双重 承压的现实挑战。 01 从"农信老兵"到"空降少帅" 凤凰网财经《银行财眼》梳理 梁衍波的履历 发现 ， 他的职业生涯与农信系统捆绑颇深。 2025 年 12 月，梁衍波被任命为青岛农商行党委书记，实现了从管理省内农信机构到执掌 A 股上市银行的职场跨越。作为多家农商行"一把手"，梁 衍波同样实现了机构规模上的逐级跃升，从枣庄农商行的百亿规模到济南农商行的千亿规模，再到如今青岛农商行超过 5000 的规模，同时也是山东 公开资料显示，梁衍波出生于 1978 年 8 月 ， 现年 4 ...

Monetary Policy - The People's Bank of China (PBOC) confirmed that there is still room for interest rate cuts and reserve requirement ratio (RRR) reductions in 2026, maintaining a moderately accommodative monetary policy [1] - On January 19, 2026, the PBOC will lower the re-lending and re-discount rates by 0.25 percentage points, with new rates set at 0.95%, 1.15%, and 1.25% for 3-month, 6-month, and 1-year re-lending respectively [1] Liquidity Injection - The PBOC conducted a 900 billion yuan reverse repo operation on January 15, 2026, resulting in a net injection of 300 billion yuan, marking the fifth consecutive month of increased reverse repo operations [2] - This action is part of an ongoing effort to maintain adequate liquidity in the market ahead of the Spring Festival [2] Housing Loan Rates - Starting January 1, 2026, the national housing provident fund loan rates were adjusted to 2.6% for first homes and 3.075% for second homes, nearing historical lows [3] - Future adjustments to these rates will depend on the macroeconomic environment and the recovery of the real estate market [3] Deposit Market Trends - Short-term large-denomination time deposit rates have declined, with some banks offering rates that have entered the "0" range, reducing their attractiveness compared to regular fixed deposits [4] - This trend reflects the ongoing marketization of deposit rates and is influenced by the overall monetary policy environment [4] Wealth Management Industry - As of December 2025, 14 leading wealth management companies reported a combined scale of 25.41 trillion yuan, showing a year-on-year growth of approximately 13.3% despite a slight decline from the peak in November [5] - The overall wealth management industry reached a peak of nearly 34 trillion yuan in November 2025, marking a significant increase of over 4 trillion yuan since the beginning of the year [5] Bank Dividends - In early 2026, three banks distributed nearly 300 billion yuan in dividends, indicating a faster pace of dividend distribution compared to previous years [6] - This trend reflects the banks' operational stability and provides tangible returns to shareholders, boosting market confidence [6] Payment Services - Visa announced that Chinese cardholders can now link their Visa cards to Apple Pay, with eight banks initially supporting this service [7] - This development enhances the convenience of cross-border payments for domestic cardholders and aligns with the global trend of contactless transactions [7] Leadership Changes - Liang Yanbo has been nominated as the candidate for the chairman of Qingdao Rural Commercial Bank, pending approval from the shareholders' meeting [9] - Liang has extensive experience within the Shandong rural credit system, having held various leadership positions [9] Banking Operations - Sichuan Rural Commercial Bank addressed concerns regarding card transaction limits that triggered risk controls, clarifying that users can adjust these limits through mobile banking or at bank counters [10] - This response aims to alleviate customer concerns and streamline the process for adjusting transaction limits [10] Global Economic Outlook - The World Bank reported that global economic resilience has exceeded expectations, but the income gap between rich and poor countries continues to widen [11] - The projected growth rate for per capita income in developing economies is 3% for 2026, which is lower than the average growth rate from 2000 to 2019 [11]