青岛银行股份有限公司 境内同步披露公告 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。 青岛银行股份有限公司根据《香港联合交易所有限公司证券上市规则》规定， 已在香港联合交易所有限公司披露易网站（https://www.hkexnews.hk/）披露后附 公告。 根据《深圳证券交易所股票上市规则》关于上市公司在境内外证券交易所同 步披露公告的规定，特将该公告在深圳证券交易所网站（http://www.szse.cn/）同 步披露，供参阅。 特此公告。 青岛银行股份有限公司董事会 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年7月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 青島銀行股份有限公司 呈交日期: 2025年8月1日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | ...

齐鲁银行贷款增速超过10%，截至上半年末，该行资产总额7513.05亿元，较上年末增加617.66亿元，增 长8.96%；贷款总额3714.1亿元，较上年末增加342.68亿元，增长10.16%；存款总额4785.71亿元，较上 年末增加390.3亿元，增长8.88%。 上市银行陆续披露业绩快报，5家城农商行上半年业绩率先出炉。 截至7月31日，已有青岛银行、齐鲁银行、宁波银行、杭州银行及常熟银行5家A股上市城农商行发布业 绩快报，上半年营业收入、归母净利润双双正增长，资产质量指标保持稳定。 据梳理，在已披露业绩快报的5家上市银行中，4家归母净利润实现两位数增长，3家同比增速超16%。 2025年上半年，杭州银行、青岛银行、齐鲁银行分别实现归母净利润116.62亿元、30.65亿元、27.34亿 元，同比增长16.67%、16.05%、16.48%。常熟银行实现归属于本行普通股股东的净利润19.69亿元，同 比增长13.55%；宁波银行归母净利润为147.72亿元，较上年同期增长8.23%。 在营业收入增速方面，仅常熟银行达到10%，其余均维持在个位数增长。据常熟银行披露，该行聚焦主 责主业，资产负债双向发力 ...

Core Insights - Qingdao Bank reported a net profit attributable to shareholders of 3.065 billion yuan for the first half of 2025, an increase of 424 million yuan, representing a growth of 16.05% [1] - The bank's operating income reached 7.662 billion yuan, up by 534 million yuan, which is a growth of 7.50% [1] - The annualized weighted average return on equity improved to 15.75%, an increase of 0.41 percentage points year-on-year [1] Financial Performance - Basic earnings per share rose to 0.53 yuan, an increase of 0.08 yuan, reflecting a growth of 17.78% [1] - As of June 30, 2025, total assets amounted to 743.028 billion yuan, an increase of 53.065 billion yuan, or 7.69% from the end of the previous year [1] - Total customer loans reached 368.406 billion yuan, up by 27.716 billion yuan, which is a growth of 8.14% [1] - Total liabilities were 695.944 billion yuan, an increase of 50.880 billion yuan, or 7.89% [1] - Customer deposits totaled 466.140 billion yuan, up by 34.116 billion yuan, reflecting a growth of 7.90% [1] Asset Quality - The non-performing loan ratio stood at 1.12%, a decrease of 0.02 percentage points compared to the end of the previous year [1] - The provision coverage ratio improved to 252.80%, an increase of 11.48 percentage points year-on-year [1]

北京遭遇暴雨 银行业金融机构护航首都金融安全 财经网×企业预警通App ◆行业关注 受副热带高压外围暖湿气流影响，北京从2025年7月24日开始出现明显降雨，截至28日24时，全市平均 降水量165.9毫米，最大降水量达到543.4毫米（密云郎房峪和朱家峪），达到特大暴雨级别。受暴雨影 响，密云、怀柔、延庆等地出现灾情，目前各地正在积极展开救援。在强降雨天气下，北京辖内各家金 融机构以"汛"为令，全力支持抢险救灾行动。从保障金融业务正常运行，到为受灾群众捐赠物资，再到 为灾后重建提供金融保障，首都银行业金融机构纷纷迅速启动防汛抢险的紧急预案，护航首都金融安 全。 业绩预喜！首批上市银行中期快报出炉 还有多家银行释放中期分红意向 上市银行中报季拉开序幕，目前已有杭州银行、常熟银行、宁波银行、齐鲁银行、青岛银行5家区域性 银行发布了2025年半年度业绩快报，营收和归母净利润均实现同比增长，且资产质量稳中向好，不良率 较年初持平或有所下降。随着中报披露脚步临近，A股银行已于日前完成了2024年度分红派息。此外， 多家银行已释放出2025年中期分红意向，受到市场关注。 ◆企业动态 再添一员！"贵州农商联合银行"落地进 ...

尤为重要的是，青岛银行近年来持续保持较高分红水平，形成了稳定的投资者回报机制。今年6月18 日，该行发布公告称，2024年度A股利润分配方案为"每10股派1.60元"，现金分红总额约9.31亿元（含 税），现金分红比例维持在33%以上。这一数据不仅连续四年保持稳定，更显著高于上市城商行28%的 平均分红水平，体现了该行对股东回报的高度重视。 青岛银行（002948）（002948.SZ；03866.HK）于7月31日发布2025年半年度业绩快报。数据显示，该 行上半年实现归属于母公司股东的净利润30.65亿元，同比增长16.05%；营业收入达76.62亿元，同比增 长7.50%；资产总额突破7430亿元，较上年末增长7.69%。截至上半年末，青岛银行在盈利能力、资产 规模和资产质量等方面均实现稳步提升，加权平均净资产收益率（年化）达15.75%，同比提高0.41个百 分点。 值得关注的是，青岛银行的股权结构或将迎来重要变化。6月11日，该行公告显示，青岛国信发展（集 团）有限责任公司计划通过子公司增持股份至不超过19.99%，若获批将跃居第一大股东。此次股权结 构调整可能重塑青岛银行的公司治理格局，地方国资话 ...

证券之星消息，8月1日城商行板块较上一交易日上涨1.08%，宁波银行领涨。当日上证指数报收于 3559.95，下跌0.37%。深证成指报收于10991.32，下跌0.17%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 002142 | 宁波银行 | 28.48 | 2.19% | 40.15万 | | 11.38亿 | | 6000000 | 南京银行 | 11.68 | 1.74% | 53.44万 | | 6.19亿 | | 601838 | 成都银行 | 18.72 | 1.35% | 29.71万 | | 5.51亿 | | 600926 | 杭州银行 | 16.26 | 1.31% | 57.32万 | | 9.26亿 | | 002948 | 青岛银行 | 4.81 | 1.26% | 90.82万 | | 4.45 乙 | | 616009 | 江苏银行 | 11.44 | 1.24% | 129.60万 | | 14.71亿 | | ...

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年7月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 青島銀行股份有限公司 呈交日期: 2025年8月1日 FF301 II. 已發行股份及/或庫存股份變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03866 | 說明 | | | | | | | | | 已發行股份（不包括庫存股份）數目 | | 庫存股份數目 | | 已發行股份總數 | | | 上月底結存 | | | 2,291,945,474 | | 0 | | 2,291,945,474 | | 增加 / 減少 (-) | | | | | | | | | 本月底結存 | | | 2,291,945,474 | | 0 | | 2,291,945,474 | | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 ...

Core Viewpoint - The Chinese banking sector is experiencing a significant rally, driven by optimistic forecasts regarding dividend sustainability and potential profit growth, particularly with the introduction of mid-term dividends by major banks in 2024 [2][3][4]. Summary by Sections Market Performance - On August 1, A-share banking stocks collectively surged, with Agricultural Bank of China reaching a historical high and Qingdao Bank rising over 5% [2][3]. - Other banks such as Ningbo Bank and Nanjing Bank also saw gains, indicating a strong market sentiment towards the banking sector [3]. Dividend Expectations - UBS expressed a positive outlook on the sustainability of dividends in the Chinese banking sector, noting that banks with dividend yields exceeding 4.2% for H-shares and 4.0% for A-shares are particularly attractive [3]. - Major banks like Industrial and Commercial Bank of China, Agricultural Bank of China, and China Bank are set to distribute mid-term dividends for the first time since their listings in 2024, contributing to the bullish sentiment [4]. Future Outlook - UBS forecasts that the fundamentals of the Chinese banking industry will improve from 2026, with expectations of revenue growth and recovery in net interest margins [6]. - The report anticipates a moderate increase in per-share dividends under a basic scenario, while also considering various credit cost scenarios [6]. - UBS maintains a "buy" rating for several H-share banks based on projected dividend yields of 5.1% to 5.4% for 2026, while downgrading some A-share banks due to lower yields [6]. Policy and Market Dynamics - The Shanghai Stock Exchange is actively promoting increased dividend distributions among listed companies, aiming to enhance investment value and attract investors [4]. - The collaboration of fiscal and monetary policies is expected to guide banks in optimizing credit structures and increasing lending, which may lead to substantial performance improvements in the banking sector by the second half of 2025 [4].

2025年上半年，青岛银行在"科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章中找准 定位，按照"专业提升、数智赋能、体系优化、特色驱动"的年度经营指导思想，打造出独具特色的差异 化竞争优势，实现与地方经济同频共振。 在科技金融领域，该行立足青岛科技创新策源地优势，构建"政银企研"协同创新生态，科技金融贷款余 额同比大幅增长，截至2025年3月末，青岛银行科技金融贷款余额达273.02亿元。创新推出"知识产权估 值+风险代偿"双轮驱动模式，实现科技成果转化贷款全省全覆盖，为科创企业提供全生命周期金融服 务。 核心指标攀升 从发展规模看，规模稳健提升。截至6月末，青岛银行资产总额达7430.28亿元，较上年末增长7.69%； 客户贷款总额3684.06亿元，较上年末增长8.14%；客户存款总额4661.40亿元，增幅7.9%，资产负债结 构持续优化。 从盈利能力看，营收净利保持双增长。截至6月末，该行实现营业收入76.62亿元，同比增长7.5%；实现 归母净利润30.65亿元，同比增长16.05%，净利增速显著高于营收增长，凸显精细化经营成效。 从资产质量看，持续向好。截至6月末，该行不良贷款率1. ...

Investment Rating - The report maintains a "Buy" rating for Qingdao Bank (002948.SZ) with a current price of 4.75 yuan [1]. Core Views - Qingdao Bank's revenue for the first half of 2025 reached 7.7 billion yuan, a year-on-year increase of 7.5%, while the net profit attributable to shareholders was 3.06 billion yuan, up 16% year-on-year [3][4]. - The bank's asset quality remains robust, with a non-performing loan ratio of 1.12%, the lowest in its history [6][7]. - The bank's strategic focus is on "structural adjustment, strengthening customer base, optimizing collaboration, and enhancing capabilities" as part of its three-year strategic plan [7]. Summary by Sections Financial Performance - In the first half of 2025, Qingdao Bank's revenue and net profit growth rates were 7.5% and 16%, respectively, showing resilience despite a slight decline from the first quarter [4]. - The bank's total assets and loans grew by 13.6% year-on-year as of the end of the second quarter of 2025 [5]. Loan and Deposit Growth - As of the end of the second quarter of 2025, the bank's total loans increased by 9.3 billion yuan, with a year-on-year growth of 13.6% [5]. - The total liabilities and deposits grew by 13.9% and 13.3%, respectively, indicating steady growth in the bank's funding base [5]. Asset Quality - The non-performing loan ratio decreased to 1.12%, with a provision coverage ratio of 252.8%, reflecting strong risk mitigation capabilities [6][7]. - The bank's provision for loan losses was 10.43 billion yuan, maintaining a robust buffer against potential credit losses [6]. Earnings Forecast and Valuation - The report forecasts earnings per share (EPS) for 2025, 2026, and 2027 to be 0.84, 0.91, and 0.97 yuan, respectively, with corresponding price-to-book (PB) ratios of 0.66, 0.60, and 0.55 [7][12]. - The bank's return on equity (ROE) is projected to be 12.28% in 2025, indicating strong profitability [12][13].