Group 1: Shareholding Increases - Recently, Nanjing Bank announced that BNP Paribas (QFII) increased its shareholding by 108 million shares, raising its total stake from 16.14% to 17.02% [1] - Since the beginning of the year, Nanjing Bank has seen multiple significant shareholders increase their stakes, with Zijin Trust raising its holding from 12.56% to 13.02% by acquiring 56.78 million shares [3] - Another major shareholder, Nanjing Gaoke, increased its stake from 8.94% to 9.00% by purchasing 7.51 million shares [3] Group 2: Bank Sector Trends - A total of 11 A-share listed banks have seen shareholding increases from shareholders or executives this year, indicating a trend where such plans are often announced when bank stock valuations are at historical lows [5] - The banking sector has been experiencing a "red envelope rain" with 17 banks announcing mid-term dividend plans for 2025, including significant contributions from the six major state-owned banks [6] - The six major state-owned banks have all provided dividend plans, with Industrial and Commercial Bank of China (ICBC) planning to distribute approximately 50.40 billion yuan in cash dividends [7][8] Group 3: Market Sentiment and Future Outlook - The banking sector is viewed favorably by institutions due to its low valuations and stable dividends, leading to increased interest from institutional investors [8] - As of September 29, over 300 investigations into listed banks have been conducted, with more than 2,000 institutional inquiries, highlighting the sector's attractiveness [8] - Analysts predict that the inflow of incremental funds will support the banking sector's performance, driven by the high dividend characteristics and significant index weight of bank stocks [8]

北京商报讯（记者 宋亦桐）9月30日，山东金融监管局发布多条批复，同意青岛农村商业银行股份有限 公司吸收合并山东沂南蓝海村镇银行股份有限公司、日照蓝海村镇银行股份有限公司、济宁蓝海村镇银 行股份有限公司。 据悉，吸收合并后上述3家村镇银行将改建为青岛农村商业银行股份有限公司的分支机构，青岛农村商 业银行股份有限公司承接上述3家村镇银行的资产、负债、业务及各项权利义务。 ...

本期债券募集资金将依据适用法律和主管部门的批准，用于补充该行其他一级资本。 北京商报讯(记者孟凡霞周义力)9月29日，青岛农商行发布公告称，经中国人民银行和国家金融监督管 理总局青岛监管局批准，该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 无固定期限资本债券(第一期)"(以下简称"本期债券")。 本期债券簿记建档日为2025年9月26日，缴款日为2025年9月29日，发行规模为人民币50亿元，前5年票 面利率为2.54%，每5年为一个票面利率调整期，自发行之日起5年后的每个付息日附发行人有条件赎回 权。 ...

| 证券代码：002958 | 证券简称：青农商行 | 公告编号:2025-047 | | --- | --- | --- | | 转债代码：128129 | 转债简称：青农转债 | | 本期债券簿记建档日为 2025 年 9 月 26 日，缴款日为 2025 年 9 月 29 日，发行规 模为人民币 50 亿元，前 5 年票面利率为 2.54%，每 5 年为一个票面利率调整期，自发 行之日起 5 年后的每个付息日附发行人有条件赎回权。 本期债券募集资金将依据适用法律和主管部门的批准，用于补充本行其他一级资 本。 特此公告。 青岛农村商业银行股份有限公司董事会 2025 年 9 月 29 日 青岛农村商业银行股份有限公司 关于 2025 年无固定期限资本债券（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。 经中国人民银行和国家金融监督管理总局青岛监管局批准，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 年无固定期限资本债券（第一期）"（以下简称本期债券）。 1 ...

Market Performance - The rural commercial bank sector increased by 0.94% on September 29, with Yunnan Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3862.53, up 0.9%, while the Shenzhen Component Index closed at 13479.43, up 2.05% [1] Individual Stock Performance - Yunnan Rural Commercial Bank (601077) closed at 6.60, with a rise of 2.17% and a trading volume of 995,000 shares, amounting to a transaction value of 654 million [1] - Other notable performers include Ruifeng Bank (601528) with a 1.13% increase, Wuxi Bank (600908) with a 1.02% increase, and Shanghai Rural Commercial Bank (601825) with a 0.73% increase [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 66.4588 million from institutional investors, while retail investors saw a net inflow of 22.9898 million [1] - Specific stocks like Qingnong Bank (002958) had a net inflow of 9.1251 million from institutional investors, while Su Nong Bank (603323) had a net inflow of 613.43 million [2] Detailed Capital Flow for Selected Stocks - Yunnan Rural Commercial Bank had a significant net outflow of 50.7024 million from institutional investors, but a net inflow of 54.2507 million from retail investors [2] - Common trends show that while some banks like Zhangjiagang Bank (002839) attracted retail inflows, others like Changshu Bank (601128) faced substantial outflows from institutional investors [2]

Core Insights - Qingdao Financial Regulatory Bureau has established a comprehensive foreign trade financial service ecosystem to address the financing difficulties faced by foreign trade enterprises, achieving significant results in loan issuance and export credit insurance [1][2]. Policy Foundation - The bureau has created a collaborative service system that includes demand assessment, resource matching, and effectiveness tracking to facilitate financial resource flow to foreign trade enterprises [1]. - A working group focused on foreign trade has been established under the micro-financing coordination mechanism, which has identified 26,400 foreign trade enterprises for targeted services [2]. Institutional Efforts - Financial institutions have actively responded to policies, with the Export-Import Bank of China’s Shandong branch aiming to exceed 100 billion yuan in foreign trade loans by June 2025, significantly boosting the province's foreign trade [2][3]. - The Bank of Communications Qingdao branch has launched innovative international business products to streamline cross-border transactions for 808 enterprises in 2024 [2]. Technological Empowerment - Qingdao Rural Commercial Bank has integrated technology into its services, utilizing trade data for credit assessments and offering digital products like "Tariff e-loan 2.0" and "Trade Credit e-loan" [3]. - The bank has successfully issued 265 million yuan in loans to 33 enterprises since the launch of the "Trade Credit e-loan" in 2024, demonstrating the effectiveness of data-driven financial solutions [3][4].

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]

未来，青岛农商银行将聚焦"内控合规标杆"目标，严格落实"合规为先、风险为本"的经营方针，持续完 善内控合规管理体系，强化合规管理和风险防控，为全行高质量发展提供坚实的内控合规保障。 近年来，青岛农商银行深刻把握金融工作的政治性、人民性，坚持把金融服务实体经济作为根本宗旨， 深入推进"三年三步走"战略部署，着力打造"内控合规标杆"银行，先后制定了内控合规管理体系建设规 划纲要、行动方案，绘就内控合规管理"蓝图"和"路线图"，创新构建了与经营范围、风险状况等相适应 的内控合规管理架构体系即"一体两翼八大体系"。经过近三年的实践，青岛农商银行内控合规履职能力 得到有效提升、内控合规价值得到显著体现、内控合规文化得到持续厚植。 近日，中国上市公司协会公布"2025年上市公司内部控制最佳实践案例"征集活动评选结果。青岛农商银 行申报的《"一体两翼八大体系"内控合规管理创新实践案例》，荣获"2025年上市公司内部控制优秀实 践案例"。 "上市公司内部控制最佳实践案例"评选活动由中国上市公司协会主办，旨在挖掘和发挥优秀案例的示范 作用，激活上市公司内生动力，构建内控实践"中国范式"。本次评选活动由权威专家组客观独立评审， ...

| 证券代码：002958 | 证券简称：青农商行 | 公告编号：2025-046 | | --- | --- | --- | | 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 会议审议通过了以下议案： 1.审议并通过《关于调整董事会战略规划委员会、董事会三农金融服务与消费者 权益保护委员会人员的议案》。 表决结果为：同意 12 票，反对 0 票，弃权 0 票。 第五届董事会第六次会议决议公告 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。 青岛农村商业银行股份有限公司（以下简称本行）第五届董事会第六次会议于 2025 年 9 月 26 日在本行总行召开。会议通知已于 2025 年 9 月 16 日以电子邮件及书 面方式发出。应出席本次会议的董事 12 人，实际出席本次会议（含网络方式）的董 事 11 人。丁明来董事因工作原因不能出席本次会议，授权委托于丰星董事代为出席 并行使表决权。薛健、鲁玉瑞、王少飞、潘爱玲、李维安、王绍宏董事以网络方式参 加会议。会议由董事长王锡峰主持，部分监事列席了会议。会议的召开及表决程序符 合《 ...

每经头条（nbdtoutiao）——5年增长33倍，这类新险种卖爆了，身边很多人都需要，30多家险企蜂拥而 入⋯⋯ （记者 王晓波） 2025年1至6月份，青农商行的营业收入构成为：利息收入占比133.84%，非利息收入占比10.31%。 截至发稿，青农商行市值为175亿元。 每经AI快讯，青农商行（SZ 002958，收盘价：3.15元）9月26日晚间发布公告称，公司第五届第六次董 事会会议于2025年9月26日在本行总行召开。会议审议了《关于调整董事会战略规划委员会、董事会三 农金融服务与消费者权益保护委员会人员的议案》等文件。 ...