Core Viewpoint - Qingdao Bank Co., Ltd. has reported significant growth in its financial performance for the first half of 2025, with net profit increasing by 16.25% year-on-year, driven by a rise in interest income and effective cost management [2][3][10]. Company Overview and Key Financial Indicators - Qingdao Bank is listed on both the Shenzhen Stock Exchange (A-shares) and the Hong Kong Stock Exchange (H-shares) [2]. - The bank's total assets reached RMB 743.03 billion, an increase of RMB 53.07 billion or 7.69% from the end of the previous year [10]. - Customer loans totaled RMB 368.41 billion, up RMB 27.72 billion or 8.14% year-on-year [10]. - Customer deposits amounted to RMB 466.14 billion, reflecting an increase of RMB 34.12 billion or 7.90% [10]. - Operating income for the period was RMB 76.58 billion, a year-on-year increase of RMB 6.31 billion or 8.97% [10]. - Net profit for the period was RMB 31.52 billion, up RMB 4.41 billion or 16.25% [10]. Management Discussion and Analysis - The bank emphasizes a strategy of high-quality development, balancing effective quality improvement with reasonable growth [6][8]. - The bank has expanded its business model to include retail banking, corporate banking, and financial markets, establishing a solid customer base [7]. - As of the report date, the bank has 204 branches and has achieved full coverage in Shandong Province [7]. - The bank's core competitiveness lies in its governance structure, market-oriented operations, and a diverse shareholder base [8][10]. - The bank has focused on enhancing its risk management and operational efficiency through digital transformation and advanced technologies [12]. Financial Performance Analysis - Interest income for the first half of 2025 was RMB 53.62 billion, an increase of 12.19% year-on-year, primarily due to the expansion of interest-earning assets [13][14]. - The net interest margin decreased slightly to 1.73% from 1.82% in the previous year [3]. - The bank's non-performing loan ratio improved to 1.12%, down from 1.14% at the end of the previous year [10]. - The provision coverage ratio increased to 252.80%, indicating a strong buffer against potential loan losses [10].

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 2025 年 9 月 3 日 2025 年中期報告 Bank of Qingdao Co., Ltd. 青島銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （H 股股份代號：3866） 2025 年中期報告 第一節 重要提示 1. 本行董事會、監事會及董事、監事、高級管理人員保證本中期報告內容的真實、準確、完整，不 存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 2. 本行第九屆董事會第十七次會議於2025年8月28日召開，審議通過了《關於青島銀行股份有限公 ...

青岛银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 证券代码：002948 证券简称：青岛银行 公告编号：2025-033 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（以下简称"本行" （二）出席人员：本行董事长景在伦先生、行长吴显明先生、副行长陈霜女士、 独立董事代表、董事会秘书张巧雯女士。如有特殊情况，参会人员可能调整。 （三）会议召开方式：网络互动 二、投资者参加方式 （一）投资者可于2025年9月5日（星期五）15:00-16:00登陆全景网"投资者关 系互动平台" （http://ir.p5w.net）参与本次业绩说明会。 （二）投资者如需提问，可于2025年9月4日（星期四）17:00前将与本行2025 年上半年经营业绩相关的问题通过电子邮件的形式发送至本行投资者关系邮箱： ir@qdbankchina.com。 ）已披露本行2025年半年度报告， 为加强与投资者的沟通交流，使投资者更加全面、深入地了解本行，本行拟通过网 络互动的方式举行2025年半年度业绩说明会，欢迎广大投资者积极参与。 一、业绩说明会安排 ...

2025 年中期報告 Bank of Qingdao Co., Ltd. 青島銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （H 股股份代號：3866） 2025 年中期報告 第一節 重要提示 1. 本行董事會、監事會及董事、監事、高級管理人員保證本中期報告內容的真實、準確、完整，不 存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 2. 本行第九屆董事會第十七次會議於2025年8月28日召開，審議通過了《關於青島銀行股份有限公司 2025年半年度報告及摘要、業績公告的議案》，應出席董事14名，實際出席董事14名（其中，委 託出席的董事1名。因工作原因，譚麗霞女士委託周雲傑先生出席會議並代為行使表決權）。 3. 本行董事長景在倫先生、行長吳顯明先生、主管財務工作的副行長陳霜女士、計劃財務部總經理 李振國先生聲明：保證本中期報告中財務報告的真實、準確、完整。 4. 本公司按照中國企業會計準則和國際財務報告會計準則編製的2025年上半年財務報告已經安永華 明會計師事務所（特殊普通合夥）和安永會計師事務所分別根據中國和國際審閱準則審閱。 5. 在有條件的情況下，本行董事會可以根據本行 ...

证券代码：002948 证券简称：青岛银行 公告编号：2025-033 青岛银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 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。 （二）投资者如需提问，可于2025年9月4日（星期四）17:00前将与本行2025 年上半年经营业绩相关的问题通过电子邮件的形式发送至本行投资者关系邮箱： ir@qdbankchina.com。 三、联系方式 本行董事会办公室 青岛银行股份有限公司（以下简称"本行"）已披露本行2025年半年度报告， 为加强与投资者的沟通交流，使投资者更加全面、深入地了解本行，本行拟通过网 络互动的方式举行2025年半年度业绩说明会，欢迎广大投资者积极参与。 一、业绩说明会安排 （一）召开时间：2025年9月5日（星期五） 15:00-16:00 （二）出席人员：本行董事长景在伦先生、行长吴显明先生、副行长陈霜女士、 独立董事代表、董事会秘书张巧雯女士。如有特殊情况，参会人员可能调整。 （三）会议召开方式：网络互动 二、投资者参加方式 （一）投资者可于2025年9月5日（星期五）15:00-16: ...

意见领袖 | 薛洪言 2025年上半年，上市银行业绩呈现"企稳修复、分化延续"的特征。在财政发力前置、贷款利率趋稳及资 本市场回暖的多重作用下，上市银行营收与净利润增速由负转正，资产质量总体稳健，但城商行领跑、 国有行修复与股份行承压的板块分化格局进一步凸显。透过半年报数据，既能看到规模扩张提速与非息 收入增长对业绩的核心驱动，也能观察到净息差收窄压力与零售风险暴露的结构性挑战，而二季度单季 业绩改善幅度的显著扩大，则标志着银行业经营景气度回升的积极信号正在强化。 从整体业绩表现来看，2025年上半年，上市银行营业收入同比增长1.03%，拨备前利润同比增长 1.13%，归母净利润同比增长0.77%，年化加权平均ROE为10.86%，较去年同期微降0.56个百分点。单季 度来看，二季度上市银行营收、拨备前利润和归母净利润分别同比增长3.88%、4.68%和2.92%，改善幅 度显著扩大，业绩修复态势得到进一步确认。就原因来看，除了低基数效应之外，也得益于财政政策前 置发力、贷款利率逐步趋稳以及资本市场回暖带来的非息收入提升。 分板块看，城商行继续领跑，营收同比增长5.2%，归母净利润增速达6.7%，业绩表现突出 ...

Group 1 - Qingdao Bank announced that it received approval from the National Financial Supervision Administration's Qingdao Regulatory Bureau for a change in shareholding, allowing Guoxin Chanin Holdings to increase its stake in the bank by up to 5% of the total share capital within six months [1] - As of the announcement date, Guoxin Chanin Holdings holds 655 million A-shares, accounting for 11.25% of Qingdao Bank's total shares, while its concerted action parties hold additional shares, bringing the total stake to 14.99% [1] - The planned increase in shareholding aims to recognize the long-term investment value of Qingdao Bank's stock and support the bank's long-term development [2] Group 2 - Guoxin Chanin Holdings plans to acquire between 23.3 million and 29.1 million additional shares through secondary market transactions, which will raise its total holding to between 19.00% and 19.99% [2]

Core Viewpoint - The implementation of the personal consumption loan interest subsidy policy is expected to stimulate growth in personal consumption credit, leading to further differentiation among banks in the industry, with asset quality remaining a key focus [2][10]. Group 1: Policy Implementation and Consumer Impact - The personal consumption loan interest subsidy policy officially took effect on September 1, allowing consumers to receive interest subsidies directly through the banking system, with a maximum subsidy of 3,000 yuan per loan [2]. - Many banks have optimized their processes for applying for subsidies, enabling customers to easily apply through mobile banking apps or in-person at branches [4][8]. - For example, after applying the subsidy, a consumer's loan interest rate can drop significantly, as demonstrated by a case where a loan of 50,000 yuan at a 3.1% interest rate was reduced to 2.1% after a 1% subsidy [4]. Group 2: Market Trends and Bank Performance - The personal consumption loan market has shown steady growth, with the total balance of personal consumption loans across 36 listed banks exceeding 5.49 trillion yuan, a year-on-year increase of 10.24% [10]. - State-owned banks have continued to expand their market share, with notable growth in personal consumption loans: China Construction Bank's balance reached 614.19 billion yuan, up 28.32% year-on-year, while Agricultural Bank of China reported a 23% increase [11]. - In contrast, many joint-stock banks have seen a decline in their consumption loan balances, with some experiencing significant drops, such as Ping An Bank and CITIC Bank, which reported decreases of 6.2% and 7.3%, respectively [12]. Group 3: Risk and Asset Quality Concerns - Despite the growth in consumption loans, there are rising concerns about asset quality, particularly among regional banks that have seen rapid growth but also increasing non-performing loans [10][15]. - For instance, while Chongqing Bank's non-performing loan ratio decreased, its non-performing loan balance increased, indicating potential risks associated with aggressive lending [15]. - The average non-performing loan ratio for major banks has also risen, with Industrial and Commercial Bank of China reporting a ratio of 2.51%, up 0.86 percentage points year-on-year [15].

消息面上，青岛银行发布公告，青岛国信产融控股及其一致行动人计划通过二级市场交易的方式增持该 行股份，增持后其合计持股比例将达19.00%至19.99%之间。据悉，青岛国信集团当前合计持股比例约 14.99%，意味着本次增持青岛银行股份数量为2.33亿股至2.91亿股，对应增持比例为4.01%至5.00%。 公开资料显示，青岛银行第一大股东的海尔集团目前其通过旗下多家企业合计持有公司10.56亿股A股， 占股份总额的18.14%。而随着青岛国信集团此番的增持行动，即使按照增持后下限19.00%来计算，海 尔集团若不采取行动，则将退居第二大股东之列。 青岛银行（002948）(03866)现涨近4%，截至发稿，涨4.16%，报4.51港元，成交额2438.19万港元。 ...

公开资料显示，青岛银行第一大股东的海尔集团目前其通过旗下多家企业合计持有公司10.56亿股A股， 占股份总额的18.14%。而随着青岛国信集团此番的增持行动，即使按照增持后下限19.00%来计算，海 尔集团若不采取行动，则将退居第二大股东之列。 智通财经APP获悉，青岛银行(03866)现涨近4%，截至发稿，涨4.16%，报4.51港元，成交额2438.19万港 元。 消息面上，青岛银行发布公告，青岛国信产融控股及其一致行动人计划通过二级市场交易的方式增持该 行股份，增持后其合计持股比例将达19.00%至19.99%之间。据悉，青岛国信集团当前合计持股比例约 14.99%，意味着本次增持青岛银行股份数量为2.33亿股至2.91亿股，对应增持比例为4.01%至5.00%。 ...