详见公司同日在上海证券交易所网站（www.sse.com.cn）披露的《齐鲁银行 股份有限公司 2025 年第三季度报告》。 经审核，监事会认为公司 2025 年第三季度报告的编制和审核程序符合法律、 行政法规和公司章程的规定，报告的内容和格式符合中国证监会和上海证券交易 所相关规定，真实、准确、完整地反映公司实际情况。 表决结果：同意 5 票，反对 0 票，弃权 0 票。 第九届监事会第十三次会议决议公告 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 齐鲁银行股份有限公司（以下简称"公司"）第九届监事会第十三次会议通 知于 2025 年 10 月 20 日以电子邮件方式发出，会议于 2025 年 10 月 30 日在济南 市历下区经十路 10817 号总行大厦四楼二会议室以现场方式召开。会议应出席监 事 5 名，实际出席监事 5 名。经半数以上监事共同推举，会议由孙建波监事主持。 会议的召开符合《中华人民共和国公司法》等法律、行政法规、部门规章、规范 性文件及公司章程的有关规定。 会议审议通过了 2025 年第三季度报告。 ...

Group 1 - Qilu Bank held its 18th meeting of the 9th Board of Directors on October 30, 2025, in Jinan, where it reviewed the proposal to adjust the limit for Jinan Industrial Investment Holding Group [1] - For the first half of 2025, Qilu Bank's revenue composition was 157.62% from interest income and 12.92% from non-interest income [1] - As of the report date, Qilu Bank's market capitalization was 36.2 billion yuan [1]

Group 1 - Qilu Bank reported a revenue of approximately 9.924 billion yuan for the first three quarters of 2025, representing a year-on-year increase of 4.63% [1] - The net profit attributable to shareholders of the listed company was approximately 3.963 billion yuan, showing a year-on-year increase of 15.14% [1] - Basic earnings per share reached 0.72 yuan, reflecting a year-on-year increase of 9.09% [1] Group 2 - As of the report date, Qilu Bank's market capitalization stood at 36.2 billion yuan [2]

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-074 （二）关于修订《齐鲁银行股份有限公司市场风险管理办法》的议案 表决结果：同意 12 票，反对 0 票，弃权 0 票。 （三）关于修订《齐鲁银行股份有限公司业务连续性管理政策与程序》的 议案 表决结果：同意 12 票，反对 0 票，弃权 0 票。 （四）《齐鲁银行股份有限公司合规管理办法》 齐鲁银行股份有限公司 第九届董事会第十八次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 齐鲁银行股份有限公司（以下简称"公司"）第九届董事会第十八次会议通 知于 2025 年 10 月 20 日以电子邮件方式发出，会议于 2025 年 10 月 30 日在济南 市历下区经十路 10817 号总行大厦四楼二会议室以现场方式召开。会议应出席董 事 13 名，实际出席董事 11 名，吴睿智董事因工作原因委托赵治国董事代为出席 并表决，布若非（Michael Charles Blomfield）董事因工作原因委托郝艳艳董事代 为出席并表决。公司股东重庆华宇集团有限 ...

Financial Performance - Net profit for the third quarter was RMB 1.25 billion, reflecting a year-on-year increase of 15.85%[3] - Operating income for the third quarter was RMB 3.14 billion, up 2.27% from the same period last year[3] - Total revenue for the first three quarters of 2025 reached CNY 9,923,909, an increase of 4.6% compared to CNY 9,484,825 in the same period of 2024[32] - The net profit for the first three quarters of 2025 was CNY 3,975,265, representing a 16.2% increase from CNY 3,422,764 in the same period of 2024[32] - Net profit for the first three quarters of 2025 was RMB 3,922,169, representing a 15.7% increase from RMB 3,387,774 in 2024[38] Asset and Liability Management - Total assets reached RMB 778.70 billion, an increase of 12.93% compared to the end of the previous year[12] - Total liabilities increased to CNY 725,944,129, up 13.2% from CNY 641,204,233 at the end of 2024[31] - The total assets of the company as of September 30, 2025, amounted to CNY 766,974,051, an increase of 13.7% from CNY 674,467,316 at the end of 2024[36] - The total liabilities of the company as of September 30, 2025, were CNY 715,008,927, an increase from CNY 626,995,695 at the end of 2024, representing a growth of 14.0%[37] Loan and Deposit Growth - Total loans amounted to RMB 383.01 billion, growing by 13.60% year-on-year[12] - The total deposits reached RMB 485.02 billion, an increase of 10.35% from the previous year[12] - Customer deposits reached CNY 482,620,035 as of September 30, 2025, up from CNY 435,376,342 at the end of 2024, indicating an increase of 10.8%[37] - The company's net increase in customer loans and advances for the first three quarters of 2025 was CNY 46,497,901, compared to CNY 33,445,600 in the same period of 2024, representing a growth of 39.0%[34] Risk Management - The non-performing loan ratio improved to 1.09%, a decrease of 0.10 percentage points from the end of the previous year[13] - Non-performing loans amounted to CNY 4,171,216, representing 1.09% of total loans, a slight improvement from 1.19% last year[22] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies[32] - The provision coverage ratio increased to 351.43%, up by 29.05 percentage points year-on-year[13] Capital Adequacy - Core Tier 1 capital increased to CNY 48,162,148, up CNY 8,050,900 from the previous year[15] - The Core Tier 1 capital adequacy ratio improved to 11.49%, up 0.74 percentage points from the previous year[15] - The bank's capital adequacy ratio improved to 13.5%, up from 12.8% at the end of 2024, reflecting a stronger capital position[31] - The bank's leverage ratio was reported at 5.94%, indicating a stable capital structure[18] Cash Flow and Investment - Net cash flow from operating activities for the year-to-date was RMB 24.96 billion, a significant increase of 52.21% compared to the previous year[9] - Net cash flow from operating activities for the first three quarters of 2025 reached CNY 24,964,453, an increase of 52.4% compared to CNY 16,400,989 in the same period of 2024[34] - The net cash flow from operating activities increased to RMB 23,661,283, compared to RMB 17,994,131 in the previous year, marking a growth of 31.1%[40] - The company reported a total comprehensive income of RMB 1,988,886 for the first three quarters of 2025, down from RMB 4,207,415 in 2024[39] Investment Activities - Total cash inflow from investment activities decreased to CNY 102,976,690 in 2025 from CNY 118,497,390 in 2024, reflecting a decline of 13.1%[35] - The company's net cash flow from investment activities was negative at CNY -37,573,829 for the first three quarters of 2025, worsening from CNY -30,859,171 in the same period of 2024[35] - The net cash outflow from investing activities was RMB 35,576,789, compared to RMB 30,850,571 in the previous year, indicating increased investment activity[40] Future Outlook - The bank plans to expand its market presence through strategic partnerships and technology investments in the coming quarters[32]

Core Viewpoint - The city commercial bank sector experienced a decline of 2.43% on October 29, with Chengdu Bank leading the drop, while the overall stock market indices showed an increase [1][2]. Market Performance - The Shanghai Composite Index closed at 4016.33, up 0.7% - The Shenzhen Component Index closed at 13691.38, up 1.95% [1]. Individual Stock Performance - Chengdu Bank saw a significant decline of 5.74%, closing at 17.07 - Other notable declines included Xiamen Bank (-4.90%), Jiangsu Bank (-3.84%), and Qingdao Bank (-3.66%) [2]. - Chongqing Bank was one of the few gainers, with a slight increase of 0.84%, closing at 10.76 [1]. Trading Volume and Turnover - Chengdu Bank had a trading volume of 1.298 million shares, with a turnover of 22.27 million yuan - Jiangsu Bank had a trading volume of 2.039 million shares, with a turnover of 2.164 billion yuan [2]. Capital Flow Analysis - The city commercial bank sector saw a net outflow of 742 million yuan from institutional investors, while retail investors contributed a net inflow of 410 million yuan [2]. - The data indicates that speculative funds had a net inflow of 331 million yuan [2]. Individual Stock Capital Flow - Qingdao Bank had a net inflow of 61.11 million yuan from institutional investors, while it experienced a net outflow of 59.42 million yuan from speculative funds [3]. - Nanjing Bank also saw a net inflow of 43.97 million yuan from institutional investors, but a net outflow of 34.08 million yuan from speculative funds [3].

Group 1 - The A-share market saw a collective decline in bank stocks, with Chengdu Bank dropping by 5% and several others, including Xiamen Bank, Shanghai Pudong Development Bank, and Qingdao Bank, falling over 3% [1] - Specific declines included Jiangyin Bank, Qilu Bank, Hangzhou Bank, Shanghai Bank, and Hu Nong Commercial Bank, all experiencing drops exceeding 2% [1] Group 2 - Chengdu Bank's market capitalization is reported at 72.9 billion, with a year-to-date increase of 5.28% despite the recent decline of 5.08% [2] - Xiamen Bank has a market capitalization of 18.1 billion, with a year-to-date increase of 24.69%, but it fell by 3.92% today [2] - Shanghai Pudong Development Bank's market capitalization stands at 396.7 billion, with a year-to-date increase of 19.25%, experiencing a decline of 3.87% [2] - Qingdao Bank's market capitalization is 29.2 billion, with a year-to-date increase of 33.50%, and it dropped by 3.28% [2] - Jiangsu Bank has a market capitalization of 194.5 billion, with a year-to-date increase of 13.38%, and it fell by 3.11% [2] - Other banks like Jiangyin Bank, Qilu Bank, Hangzhou Bank, Shanghai Bank, and Hu Nong Commercial Bank also reported declines, with respective market capitalizations of 11.8 billion, 36.4 billion, 114.4 billion, 133.3 billion, and 82.1 billion [2]

Core Viewpoint - Qilu Bank's stock price has experienced fluctuations, with a recent decline of 2.15% and a year-to-date increase of 11.38%, indicating volatility in market performance [1]. Financial Performance - As of June 30, Qilu Bank reported a net profit of 2.734 billion yuan, representing a year-on-year growth of 16.48% [2]. - The bank's cumulative cash distribution since its A-share listing amounts to 4.872 billion yuan, with 3.205 billion yuan distributed over the past three years [3]. Shareholder Information - The number of shareholders increased by 5.01% to 43,100 as of June 30, with an average of 117,988 circulating shares per shareholder, reflecting a slight increase of 0.20% [2]. - Hong Kong Central Clearing Limited is the tenth largest circulating shareholder, holding 129 million shares, an increase of 9.8962 million shares compared to the previous period [3]. Stock Market Activity - As of October 29, Qilu Bank's stock was trading at 5.93 yuan per share, with a market capitalization of 36.492 billion yuan [1]. - The stock has seen a trading volume of 63.8622 million yuan, with a turnover rate of 0.17% [1]. - The net outflow of main funds was 8.758 million yuan, with significant selling pressure observed [1].

Core Insights - The article highlights the financing challenges faced by the elderly care industry in China and introduces Qilu Bank's innovative "Elderly Easy Loan" product as a solution to these issues [1][8]. Group 1: Industry Challenges - The elderly care institutions in China face four major financial difficulties: weak asset collateral capabilities, significant capital pressure, long subsidy reimbursement cycles, and lengthy investment recovery periods [3]. - Over 70% of institutions rely on old community rental spaces or state-allocated land, making traditional collateral models inadequate for financing needs [3]. - The average liquidity gap for small and medium-sized institutions is between 2 million to 5 million yuan due to pre-deposited government service purchase guarantees and bed vacancy costs [3]. - The investment recovery period for a single bed is generally over 5 years, influenced by policy price limits and market competition [3]. Group 2: Banking Sector Challenges - The banking sector faces three main difficulties in financing the elderly care industry: challenges in risk assessment due to the lack of specialized rating models, difficulties in product adaptation to the seasonal operational characteristics of elderly care institutions, and challenges in post-loan management [3]. Group 3: Innovative Solutions - Qilu Bank has launched the "Elderly Easy Loan," which innovatively uses bed operation rights as collateral, increasing financing coverage by 60% [4]. - The loan features a flexible repayment mechanism that aligns with the seasonal operations of elderly care institutions, reducing funding costs by 25% [4]. - The risk coverage has been enhanced from 30% to 80% through a combination of policy insurance and government subsidy pre-reimbursement [5]. Group 4: Practical Implementation - The "Elderly Easy Loan" has been successfully implemented at the Minshan Nursing Center, which faced significant supply chain financial pressure and training costs [6]. - Qilu Bank customized a financing plan of 5 million yuan over 36 months, addressing the center's specific operational needs [6]. Group 5: Future Outlook - The introduction of "Elderly Easy Loan" is significant for the development of the elderly care industry, facilitating the integration of medical and elderly care services and promoting smart elderly care ecosystems [7]. - Qilu Bank plans to further optimize the loan product and develop supply chain financial sub-products to enhance financing across the elderly care sector [7][8].

Market Performance - The city commercial bank sector increased by 0.01% compared to the previous trading day, with Xiamen Bank leading the gains [1] - The Shanghai Composite Index closed at 3988.22, down by 0.22%, while the Shenzhen Component Index closed at 13430.1, down by 0.44% [1] Individual Bank Performance - Xiamen Bank's closing price was 7.15, with a rise of 5.46% and a trading volume of 582,400 shares, amounting to a transaction value of 412 million yuan [1] - Chongqing Bank closed at 10.67, up by 2.11%, with a trading volume of 225,000 shares [1] - Chengdu Bank's closing price was 18.11, increasing by 0.84% with a trading volume of 314,100 shares [1] - Other banks such as Changsha Bank, Lanzhou Bank, and Jiangsu Bank showed minimal changes in their stock prices [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 223 million yuan from institutional investors, while retail investors experienced a net outflow of 356 million yuan [2] - The main capital inflow was observed in banks like Nanjing Bank and Chengdu Bank, with significant net inflows from institutional investors [3] - Retail investors showed a negative net flow in several banks, indicating a cautious sentiment among smaller investors [3]