证券代码：002948 证券简称：青岛银行 公告编号：2023-037 青岛银行股份有限公司监事会决议公告 青岛银行股份有限公司监事会 2023 年 8 月 28 日 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 备查文件 经与会监事签字的通讯表决书及加盖监事会印章的监事会决议。 特此公告。 本行及监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"）于2023年8月23日以电子邮件方式 向监事发出关于召开第八届监事会第十九次会议的通知，会议于2023年8月28日以 通讯表决方式召开，应参与表决监事7名，实际表决监事7名。本次会议召开符合《公 司法》《深圳证券交易所股票上市规则》和《青岛银行股份有限公司章程》的规定。 会议审议通过了青岛银行股份有限公司关于《青岛银行 2023-2025 年战略规 划》的评估报告 ...

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。 2023 年 8 月 18 日 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通告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本通告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 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) 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 董事會會議通告 青島銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，本行將於2023年8 ...

Group 1: Credit and Loan Performance - In 2023, Qingdao Bank's corporate loan total reached 14.763 billion CNY, reflecting a growth of 7.55% compared to the end of 2022 [2] - The bank's strategy focuses on "high-quality development and prioritizing efficiency," leading to increased credit issuance and product innovation [2] - The bank aims to enhance credit support for projects with good comprehensive returns and long-term development prospects, particularly in green economy, inclusive small and micro enterprises, agriculture, and technology finance [2] Group 2: Business Diversification and Licenses - Qingdao Bank is the first city commercial bank in Shandong Province to obtain a fund custody license, becoming the ninth city commercial bank in China to receive this qualification [3] - The bank has established subsidiaries, Qingyin Financial Leasing and Qingyin Wealth Management, to diversify its operations [3] - The bank plans to leverage its diverse business licenses to enhance comprehensive financial service capabilities and contribute to regional economic development [3] Group 3: Fee Income and Growth - In Q1 2023, the bank's net fee and commission income was 475 million CNY, an increase of 63 million CNY, representing a growth rate of 15.17% year-on-year [3] - The growth in fee income is driven by the steady increase in wealth management product scale and improvements in insurance sales, trade settlement, guarantee letters, and credit card services [3] - The bank's recent acquisition of a securities investment fund custody qualification is expected to further boost fee income in the future [3]

证券代码：002948 证券简称：青岛银行 | --- | |------------------------| | | | 投资者关系 | | 活动类别 | | | | 参与单位名称 | | 及人员姓名 | | 时间 | | 地点 | | 上市公司接待人员姓名 | | | | | | | | | | | | | | | | | | 投资者关系活动主要内容 | | 介绍 | | | | | | | | | | | | | | | 1 青岛银行股份有限公司投资者关系活动记录表 | --- | |--------------------------------------------------------| | 3. 贵行子公司青银理财今年表现如何？ | | 答：在 2022 年市场波动的大环境下，青银理财产品表现 | | 稳定，在同业和客户间的认可度较高。2023 年一季度，青银 | | 理财延续良好发展态势，产品规模稳健增长，行外渠道合作 | | 家数、代销规模及占比有效提升。理财产品保持稳健运作， | | 其中"固收+"主题系列产品，以优质固收资产打底构筑安全 | | 垫，采用绝对收益策略，注重大类资产配 ...

青岛银行股份有限公司 2023 年第一季度报告 证券代码：002948 证券简称：青岛银行 公告编号：2023-026 青岛银行股份有限公司 2023 年第一季度报告 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。 重要内容提示： 1.本行董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真 实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连 带的法律责任。 2.本行第八届董事会第三十次会议于 2023 年 4 月 28 日以通讯表决方式召开， 会议应参与表决董事 13 名，实际参与表决董事 13 名，会议审议通过了关于青岛 银行股份有限公司 2023 年第一季度报告的议案。 3.本行董事长景在伦先生、行长吴显明先生、主管财务工作的副行长陈霜女 士、计划财务部总经理李振国先生声明：保证季度报告中财务报表的真实、准确、 完整。 4.本报告中财务报表按照中国企业会计准则编制且未经审计。本报告中，国 际财务报告准则指国际会计准则理事会颁布的《国际财务报告准则》；《国际财务 报告准则》包括国际会计准则。 5.本报告中，本公司指青岛银行股份有限公 ...

证券代码：002948 证券简称：青岛银行 公告编号：2023-019 青岛银行股份有限公司 关于召开 2022 年度业绩说明会并征集问题的公告 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。 青岛银行股份有限公司（以下简称"本行"）已披露本行2022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，本行拟通过网络直播 的方式举行2022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：2023年4月14日（星期五） 15:00-16:30 （二）出席人员：本行董事长景在伦先生、行长吴显明先生、部分高级管理层 成员、独立董事代表及主要部门负责人等。如有特殊情况，参会人员可能调整。 （三）会议召开方式：网络直播 二、投资者参加方式 （一）投资者可登陆全景网"投资者关系互动平台" （https://rs.p5w.net/html/136351.shtml）或扫描以下二维码参与本次年度业绩说明 会。 1 （二）投资者如需提问，可于2023年4月11日16:00前将与本行2022年度经营 业绩相关的问题通过电子邮件的形式 ...

Dividend and Shareholder Information - The company plans to distribute a cash dividend of RMB 1.60 per 10 shares to all ordinary shareholders, subject to shareholder approval[2]. - The company declared dividends of 931 million RMB to ordinary shareholders and 510 million RMB to preferred shareholders during the reporting period[95]. Financial Performance - Net interest income for 2022 reached RMB 8,288,314 thousand, an increase of 8.41% compared to RMB 7,645,625 thousand in 2021[14]. - Total operating income was RMB 11,644,007 thousand, reflecting a growth of 4.56% from RMB 11,136,017 thousand in the previous year[14]. - Net profit for 2022 was RMB 3,167,525 thousand, representing a year-on-year increase of 5.82% from RMB 2,993,213 thousand in 2021[14]. - Customer loans totaled RMB 269,029,452 thousand, marking a 10.17% increase from RMB 244,205,480 thousand in 2021[14]. - Total assets as of December 31, 2022, amounted to RMB 529,613,992 thousand, a 1.41% increase from RMB 522,249,610 thousand at the end of 2021[14]. - Customer deposits reached RMB 341,347,176 thousand, up 8.87% from RMB 313,524,923 thousand in 2021[14]. - The bank's basic earnings per share decreased by 11.76% to RMB 0.45 from RMB 0.51 in 2021[14]. - The bank's total capital net amount was RMB 45,212,218 thousand, a decrease of 3.96% from RMB 47,075,226 thousand in 2021[15]. - The bank's net profit for 2022 was CNY 3.168 billion, an increase of CNY 174 million or 5.82% year-on-year[26]. Risk Management - The report emphasizes the importance of risk management, detailing major risks and corresponding mitigation strategies[3]. - The bank's strategy includes enhancing risk control efficiency and optimizing non-performing asset management to improve overall asset quality[115]. - The bank established a unified credit and credit risk management system, marking a significant milestone in comprehensive risk management[169]. - The bank's liquidity risk management policies align with regulatory requirements and ensure sufficient cash flow to meet obligations[173]. Capital and Funding - The bank completed an A+H share placement, raising RMB 4.155 billion to enhance core tier one capital[35]. - The company's capital adequacy ratio stood at 13.56% at the end of 2022, reflecting a solid capital structure[29]. - The core tier 1 capital adequacy ratio increased to 8.75% from 8.38%, an increase of 0.37%[17]. - The net amount of Tier 1 capital increased to RMB 35,643,177 thousand in 2022 from RMB 32,823,496 thousand in 2021, representing an increase of about 5.6%[127]. Digital Transformation and Innovation - The bank's digital transformation committee was established to enhance digital capabilities and promote the development of digital products and services[24]. - The bank's digital transformation strategy includes significant investments in fintech resources and the establishment of a digital transformation committee[168]. - The bank launched 50 IT projects and successfully completed 54 projects, including the "Corporate Intelligent Marketing Management Platform" and "Mobile Banking 6.0" during the reporting period[168]. Corporate Governance - The bank emphasized the importance of enhancing corporate governance to achieve sustainable and high-quality development, with a focus on investor relations management[195]. - There were no significant discrepancies found between the bank's governance practices and regulatory requirements during the reporting period[195]. - The bank maintained independence in operations, finance, and management, with no controlling shareholder or actual controller[196]. Customer and Market Development - The bank's retail banking business generated 2.301 billion RMB in revenue for 2022, accounting for 19.76% of total segment revenue[99]. - The number of retail customers with financial assets exceeded 300 billion yuan, with high-end customers holding an average of 257.410 billion yuan, accounting for 86.91%[148]. - The bank's international business client base expanded to 2,212, a rise of 709 clients or 47.17%[156]. Asset Quality and Loan Management - The non-performing loan ratio improved to 1.21% from 1.34% year-over-year, a decrease of 0.13%[17]. - The provision coverage ratio increased to 219.77%, up 22.35 percentage points year-on-year[36]. - The bank's loans for fixed assets reached RMB 56,731,865 thousand, representing 21.09% of total loans, up from 22.45% in 2021[107]. Economic Outlook and Strategic Focus - In 2023, the company anticipates a moderate economic recovery in China, supported by consumption and investment growth, particularly in Shandong Province and Qingdao City[188]. - The company's strategic focus for 2023 includes strengthening advantages, addressing weaknesses, and enhancing service capabilities for the real economy[189]. - The company will continue to support manufacturing, green development, and high-tech industries as part of its commitment to serving the real economy[189].