Core Insights - The article emphasizes the transformative impact of artificial intelligence (AI) on the banking industry, particularly for small and medium-sized banks, highlighting AI as a core driver of digital transformation [1][2][3] Group 1: AI Integration in Banking - AI is viewed as a new engine for banks, evolving from a tool for efficiency to a core driver for restructuring management processes [1][2] - Qingdao Bank has implemented AI applications in nearly 20 scenarios and plans to expand to about 100 high-value scenarios by 2026, covering risk control, marketing, operations, and office management [1][3] Group 2: Strategic Focus Areas - The bank's digital transformation strategy focuses on four key areas: smart marketing, smart risk control, smart operations, and smart office [2][10] - AI technology is shifting the bank's operational focus from transaction processing to interactive management, enhancing core capabilities [2][3] Group 3: Challenges and Solutions - Small and medium-sized banks face challenges such as talent shortages and resource constraints in digital transformation [5][6] - Qingdao Bank is addressing these challenges by combining external recruitment with internal training and fostering partnerships with technology firms and educational institutions [6][8] Group 4: AI Application and Risk Management - The bank evaluates AI application effectiveness based on business value, customer experience, operational efficiency, and risk control [4][9] - Risk management strategies include establishing a new technology review mechanism and a comprehensive data governance system to ensure data security and privacy [9] Group 5: Digital Financial Services - Qingdao Bank aims to support the "Five Major Articles" of financial services through digital finance, enhancing service accessibility and customer satisfaction [15][16] - The bank has launched various initiatives in technology finance, green finance, inclusive finance, and pension finance, leveraging AI and data analytics [15][16] Group 6: Future Plans - The bank has outlined a three-year AI "Hundred-Thousand Plan" to focus on high-value scenarios and integrate capabilities across various functions [17]

Market Performance - The city commercial bank sector declined by 0.59% on November 26, with Nanjing Bank leading the drop [1] - The Shanghai Composite Index closed at 3864.18, down 0.15%, while the Shenzhen Component Index rose by 1.02% to 12907.83 [1] Individual Stock Performance - Suzhou Bank closed at 8.30, up 0.97% with a trading volume of 488,700 shares and a transaction value of 406 million yuan [1] - Nanjing Bank closed at 11.49, down 1.29% with a trading volume of 514,300 shares and a transaction value of 592 million yuan [2] - Chengdu Bank closed at 16.82, down 0.53% with a trading volume of 354,700 shares and a transaction value of 597 million yuan [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 147 million yuan from institutional investors, while retail investors saw a net inflow of 152 million yuan [2] - Among individual stocks, Suzhou Bank had a net outflow of 31.27 million yuan from institutional investors, while Nanjing Bank saw a net inflow of 27.56 million yuan [3]

Core Points - Qingdao Bank has received approval from the National Financial Supervision Administration for the revision of its Articles of Association, which includes the decision to abolish the supervisory board [2][3] - The revised Articles of Association have been disclosed on multiple platforms for investor access, including the Shenzhen Stock Exchange and the Hong Kong Stock Exchange [2] - The supervisory board will no longer be established, and its functions will be transferred to the Audit Committee of the Board, with relevant supervisory board committees being dissolved [3] Summary by Sections - **Approval of Articles Revision** - The revised Articles of Association have been approved by the regulatory authority [2] - The full text of the revised Articles is available on various official websites for investor review [2] - **Abolishment of Supervisory Board** - The supervisory board will be abolished, and its powers will be assumed by the Audit Committee [3] - The members of the supervisory board have confirmed no disagreements with the board and do not hold shares in the bank [3]

Core Viewpoint - A surge in share buybacks by listed banks in China's A-share market is observed, driven by strong confidence from major shareholders and management teams in the banks' future prospects and the current undervaluation of bank stocks [1][5][6] Group 1: Share Buyback Activities - Numerous listed city commercial banks and rural commercial banks, including Nanjing Bank, Suzhou Rural Commercial Bank, Chengdu Bank, and others, have disclosed their share buyback progress since November [1][3] - Chengdu Bank reported that its major shareholders, Chengdu Industrial Capital Holding Group and Chengdu Xintianyi Investment, have cumulatively increased their holdings by 14.04 million shares, amounting to 253 million yuan [3][4] - Nanjing Bank's major shareholder, BNP Paribas, increased its stake by 128 million shares, raising its total holding from 17.02% to 18.06% [4] Group 2: Financial Performance and Market Sentiment - The banking sector's fundamentals remain robust, with commercial banks achieving a net profit of 1.9 trillion yuan in the first three quarters, and 24 listed banks announcing a total cash dividend of 263.79 billion yuan [5][6] - The stock prices of several banks have reached historical highs, with Agricultural Bank of China seeing a year-to-date increase of nearly 60% [6][7] - Analysts suggest that the current buyback trend reflects internal confidence in the banks' future and signals to the market that their value is underestimated [5][7] Group 3: Future Outlook - The ongoing recovery in the macroeconomic environment is expected to support the banking sector's performance, with analysts highlighting the importance of sustained economic recovery, interest rate changes, and long-term capital inflows for future stock performance [7][8] - Investors are advised to maintain a long-term perspective and focus on banks with strong fundamentals, emphasizing the importance of asset quality, profitability, and dividend policies [7][8]

青島銀行股份有限公司 董事會審計委員會工作規則 （2025年11月修訂） 第一章 總則 第一條 為強化青島銀行股份有限公司（以下簡稱「本行」）董事會決策功能，做到事 前審計、專業審計，確保董事會對本行財務收支和各項經營活動的有效監督，完善本行 治理結構，根據《中華人民共和國公司法》《中華人民共和國商業銀行法》《銀行保險機構公 司治理準則》《上市公司獨立董事管理辦法》《深圳證券交易所股票上市規則》《香港聯合交 易所有限公司證券上市規則》《青島銀行股份有限公司章程》（以下簡稱「本行章程」）及其他 有關法律、行政法規、部門規章、規範性文件及監管機構的有關規定，本行特設董事會 審計委員會（以下簡稱「本委員會」），並制定本工作規則。 第二條 本委員會是董事會下設的專門工作機構，主要負責審核本行財務信息及其 披露、監督及評估內外部審計工作和內部控制，並向董事會提出建議，或根據董事會授 權就上述事項進行決策。 第二章 人員組成 第三條 本委員會至少由三名非執行董事組成，其中獨立董事人數應超過成員總數 的1/2，委員應當具有財務、審計、會計或法律等某一方面的專業知識和工作經驗，且至 少有一名獨立董事具備適當的專業資格，或具備 ...

Core Viewpoint - Qingdao Bank has received approval for amendments to its articles of association, which includes the dissolution of the supervisory board and the delegation of its responsibilities to the audit committee of the board of directors [1] Group 1 - Qingdao Bank's revised articles of association have been approved by the National Financial Supervision Administration [1] - The supervisory board will no longer be established, and its functions will be transferred to the audit committee of the board of directors [1] - The specialized committees under the supervisory board will also be dissolved, and related systems will be abolished [1]

第一條 為進一步建立健全青島銀行股份有限公司（以下簡稱「本行」）薪酬管理制度，完 善本行治理結構，根據《中華人民共和國公司法》《中華人民共和國商業銀行法》《銀行保險 機構公司治理準則》《上市公司獨立董事管理辦法》《深圳證券交易所股票上市規則》《香港 聯合交易所有限公司證券上市規則》（以下簡稱「《香港上市規則》」）、《青島銀行股份有限 公司章程》（以下簡稱「本行章程」）及其他有關法律、行政法規、部門規章、規範性文件及 監管機構的有關規定，本行特設董事會薪酬委員會（以下簡稱「本委員會」），並制定本工 作規則。 第二條 本委員會是董事會下設的專門工作機構，主要負責擬定董事和高級管理層成員 的考核標準並進行考核，擬定、審查董事和高級管理人員的薪酬政策與方案，向董事會 提出考核和薪酬方案的建議，並監督方案的實施，或根據董事會授權就上述事項進行決 策。 第二章 人員組成 第三條 本委員會至少由三名具有與本委員會職責相適應的專業知識和工作經驗的董事 組成，獨立董事人數應超過成員總數的1/2。 青島銀行股份有限公司 董事會薪酬委員會工作規則 （2025年11月修訂） 第一章 總則 第四條 本委員會的委員和主任委員由董事會選舉 ...

青島銀行股份有限公司 董事會提名委員會工作規則 （2025年11月修訂） 第一章 總則 第一條 為規範青島銀行股份有限公司（以下簡稱「本行」）董事、高級管理人員的產生程 序，優化董事會組成，完善本行治理結構，根據《中華人民共和國公司法》《中華人民共和 國商業銀行法》《銀行保險機構公司治理準則》《上市公司獨立董事管理辦法》《深圳證券交 易所股票上市規則》《香港聯合交易所有限公司證券上市規則》《青島銀行股份有限公司章 程》（以下簡稱「本行章程」）及其他有關法律、行政法規、部門規章、規範性文件及監管機 構的有關規定，本行特設董事會提名委員會（以下簡稱「本委員會」），並制定本工作規 則。 第二條 本委員會是董事會下設的專門工作機構，主要負責擬定董事和高級管理層成員 的選任程序和選擇標準，對董事和高級管理層成員人選及其任職資格和條件進行遴選、 初步審核，並向董事會提出建議，或根據董事會授權就上述事項進行決策。 第二章 人員組成 第三條 本委員會至少由三名具有與本委員會職責相適應的專業知識和工作經驗的董事 組成。本委員會的成員不應包括控股股東提名的董事，其中獨立董事人數應超過成員總 數的1/2。本委員會成員中至少一名須為 ...

青島銀行股份有限公司章程 青島銀行股份有限公司章程 2025年11月 - 1 - 青島銀行股份有限公司章程 目 錄 | 第一章 | 總則 | 3 | | --- | --- | --- | | 第二章 | 經營宗旨和範圍 | 7 | | 第三章 | 股份和註冊資本 | 8 | | 第四章 | 股票和股東名冊 | 16 | | 第五章 | 股東和股東會 | 19 | | 第六章 | 董事和董事會 | 44 | | 第七章 | 高級管理層 | 74 | | 第八章 | 董事、高級管理人員的資格和義務 | 76 | | 第九章 | 財務會計制度、利潤分配和審計 | 80 | | 第十章 | 通知和公告 | 89 | | 第十一章 | 合併、分立、增資、減資、解散和清算 | 90 | | 第十二章 | 修改章程 | 96 | | 第十三章 | 優先股的特別規定 | 96 | | 第十四章 | 爭議的解決 | 100 | | 第十五章 | 附則 | 101 | - 2 - 青島銀行股份有限公司章程 第一章 總則 第一條 為維護青島銀行股份有限公司（以下簡稱「本行」）、股東、職工和債權人 的合法權益，規範本行的組織和行為 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 Bank of Qingdao Co., Ltd.* * H 3866 關於公司章程修訂獲監管機構核准 及不再設置監事會的公告 茲提述青島銀行股份有限公司（「本行」）日期為2025年8月28日及2025年9月26日的公告以 及日期為2025年9月8日的通函，內容有關（其中包括）本行2025年第一次臨時股東大會、 2025年第一次A股類別股東大會及2025年第一次H股類別股東大會審議通過公司章程修訂 的相關議案及本行2025年第一次臨時股東大會審議通過不再設置監事會的相關議案。 近日，本行收到《國家金融監督管理總局青島監管局關於青島銀行修改公司章程的批 覆》（青金覆〔2025〕278號），本次修訂後的《青島銀行股份有限公司章程》（「公司章程」）已 獲核准。本次修訂後的公司章程全文已在深圳證券交易所網站(http://www.szse.cn/）、巨 潮資訊網(http://www.cninfo.com.cn ...