Core Viewpoint - Qilu Bank will hold a performance briefing for the third quarter of 2025 on November 4, 2025, to enhance investor understanding of its financial results and operational status [2][3]. Group 1: Performance Briefing Details - The performance briefing is scheduled for November 4, 2025, from 9:00 AM to 10:00 AM [2][4]. - Investors can submit questions until 4:00 PM on November 3, 2025, via the Shanghai Stock Exchange Roadshow Center or the company's investor communication email [2][5]. - The briefing will be conducted online, allowing for real-time interaction between the company and investors [4][5]. Group 2: Company Capital Change Announcement - Qilu Bank has received approval from the Shandong Financial Regulatory Bureau to change its registered capital from RMB 4,708,132,387 to RMB 6,153,842,525 [7]. - The company will proceed with the necessary registration changes with the market supervision authorities following this approval [7].

Core Points - Qilu Bank announced the approval from the Shandong Financial Regulatory Bureau to increase its registered capital from RMB 4,708,132,387 to RMB 6,153,842,525 [1] Group 1 - The increase in registered capital is a significant move for Qilu Bank, indicating potential growth and expansion plans [1] - The bank will proceed with the necessary registration changes with the market supervision department following the approval [1]

Core Points - Qilu Bank announced on October 27 that it received approval from the Shandong Financial Regulatory Bureau to change its registered capital from approximately RMB 4.708 billion to approximately RMB 6.154 billion [1] Group 1 - The approval for the capital increase was granted by the National Financial Supervision Administration of Shandong [1] - Qilu Bank will proceed with the necessary registration changes with the market supervision administration [1]

齐鲁银行股份有限公司 关于变更注册资本获得核准的公告 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。 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-073 齐鲁银行股份有限公司（以下简称"公司"）今日收到《山东金融监管局关 于齐鲁银行变更注册资本的批复》（鲁金复〔2025〕450 号），国家金融监督管理 总局山东监管局同意公司注册资本由人民币 4,708,132,387 元变更为人民币 6,153,842,525 元。公司后续将向市场监督管理部门办理变更登记相关手续。 特此公告。 齐鲁银行股份有限公司董事会 2025 年 10 月 27 日 1 / 1 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-072 投资者可于 2025 年 11 月 3 日（星期一）16:00 前登录上证路演中心网站 首页点击"提问预征集"栏目或通过齐鲁银行股份有限公司（以下简称"公司"） 投资者沟通邮箱（ir@qlbchina.com）进行提问。公司将在业绩说明会上对投资者 普遍关注的问题进行回答。 一、说明会类型 公司拟于 2025 年 10 月 31 日在上海证券交易所网站（www.sse.com.cn）披 露 2025 年第三季度报告，为便于广大投资者更全面深入地了解公司经营成果、 财务状况，公司计划于 2025 年 11 月 4 日（星期二）上午 9:00-10:00 举行 2025 年第三季度业绩说明会，针对 2025 年三季度业绩和经营情况与投资者进行互动 交流和沟通，就投资者关心的问题进行回答。 二、说明会召开的时间、地点 （一）会议召开时间：2025 年 11 月 4 日（星期二）上午 9:00-10:00 （二）会议召开地点：上证路演中心（网址：http://roadshow.sseinfo.com/） 齐鲁银行股份有限公司 关于召开2025年第 ...

Market Performance - The city commercial bank sector increased by 0.63% on October 27, with Chongqing Bank leading the gains [1] - The Shanghai Composite Index closed at 3996.94, up 1.18%, while the Shenzhen Component Index closed at 13489.4, up 1.51% [1] Individual Bank Performance - Chongqing Bank's closing price was 10.45, with a rise of 2.75% and a trading volume of 349,100 shares, amounting to a transaction value of 368 million yuan [1] - Other notable banks included Xi'an Bank, which rose by 1.95% to 4.19, and Xiamen Bank, which increased by 1.50% to 6.78 [1] - Conversely, Chengdu Bank saw a decline of 1.54%, closing at 17.96, with a trading volume of 474,100 shares [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 310 million yuan from institutional investors, while retail investors saw a net inflow of 22.9 million yuan [2] - The capital flow data indicates that Nanjing Bank had a net inflow of 21.65 million yuan from institutional investors, while Zhengzhou Bank experienced a net outflow of 13.86 million yuan [3] Summary of Trading Data - The trading data for various banks shows mixed performance, with some banks like Chongqing Bank and Xi'an Bank showing positive trends, while others like Chengdu Bank and Suzhou Bank faced declines [1][2][3] - The overall trading volume and transaction values reflect active market participation, with significant amounts traded across various banks [1][2]

Investment Rating - The investment rating for the industry is "Positive" (maintained) [1] Core Insights - The report highlights that retail non-performing loan (NPL) rates and generation rates are currently high, indicating ongoing pressure on bank profitability. Despite a low overall NPL rate, the retail sector shows signs of risk, with a marginal increase in the NPL rate to 1.28% [14][15] - The transition period for new risk regulations is nearing its end, with concerns about the impact on banks' provisioning levels. However, the report suggests that the actual impact may be less severe than market expectations [16] - The trend of de-collateralization in bank lending is evident, driven by both business characteristics and strategic choices made by banks to reduce reliance on collateralized loans [17] Summary by Sections 1. Retail NPL and Generation Rates - The retail NPL rate has increased to 1.28%, with a steepening curve indicating ongoing risk. The generation rate for retail loans remains high, with significant increases noted in certain banks [14][18] - The report indicates that while the overall NPL rate is low, the divergence between overdue and NPL indicators suggests underlying risks in the retail sector [19] 2. Impact of New Risk Regulations - The new risk regulations will require banks to classify impaired loans as NPLs, potentially increasing reported NPL rates. However, the report anticipates that the actual provisioning pressure may be manageable [16][17] 3. De-Collateralization in Lending - The report notes a significant decline in the proportion of collateralized loans, with banks shifting towards non-collateralized lending strategies. This shift is influenced by the need to manage risk more effectively [17][18] 4. Investment Recommendations - The report recommends certain state-owned banks due to their customer base advantages and manageable retail risk pressures. It also highlights specific banks such as CITIC Bank and Agricultural Bank of China as beneficiaries of this trend [6]

Investment Rating - The report maintains an "Accumulate" rating for the banking sector, indicating a positive outlook despite challenges in the gold market in 2025 [1]. Core Insights - The gold market is expected to present both opportunities and challenges for banks, with a trend towards deepening precious metal business driven by central bank purchases [1][2]. - The demand for gold bars and coins has increased significantly, reflecting a growing need for gold as a hedge and store of value among residents [4]. - The establishment of a market-making system for gold trading is anticipated to enhance market liquidity and stability, positioning listed banks as key players [3][4]. Summary by Sections 1. Policy and Market Environment - As of September 2025, China's official gold reserves reached 74.06 million ounces, marking an increase for 11 consecutive months [2]. - In Q2 2025, global central banks added 166 tons of gold to their reserves, with 95% of surveyed central banks expecting further increases in the next 12 months [2]. - New policies allowing insurance funds to invest in gold are expected to create new opportunities for banks to provide services to insurance institutions, enhancing their intermediary income [2]. 2. Business Dynamics and Revenue Contribution - In the first half of 2025, China's gold consumption was 505.205 tons, a year-on-year decrease of 3.54%, with significant growth in gold bar and coin consumption by 23.69% [4]. - The decline in gold jewelry consumption is prompting banks to shift focus from traditional jewelry sales to investment-oriented precious metal businesses [4]. - The growth in investment demand for gold bars and coins is expected to stabilize income from investment-related businesses, enhancing the profitability of the precious metals segment for banks [4]. 3. Industry Trends - The report highlights a structural shift in gold consumption, with investment demand rising while jewelry demand declines, indicating a need for banks to adapt their business strategies [4]. - The performance of the banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with specific banks like Ningbo Bank and Jiangsu Bank recommended for investment due to positive fundamental changes [8]. 4. Key Data Tracking - The report includes various financial metrics, such as average daily trading volume and margin financing balances, which are essential for assessing market conditions [9][10].

Core Insights - The city commercial bank sector experienced a decline of 0.77% on October 24, with Xiamen Bank leading the drop [1] - The Shanghai Composite Index closed at 3950.31, up 0.71%, while the Shenzhen Component Index closed at 13289.18, up 2.02% [1] Stock Performance - Shanghai Bank closed at 9.67, up 0.73% with a trading volume of 848,400 shares and a transaction value of 822 million [1] - Xiamen Bank closed at 6.68, down 1.76% with a trading volume of 153,100 shares and a transaction value of 103 million [2] - The majority of city commercial bank stocks showed negative performance, with notable declines in Beijing Bank (-0.52%) and Guizhou Bank (-0.66%) [1][2] Capital Flow - The city commercial bank sector saw a net outflow of 142 million from institutional investors, while retail investors contributed a net inflow of 55.9 million [2] - Jiangsu Bank had a net inflow of 70.84 million from institutional investors, while Shanghai Bank experienced a net outflow of 78.96 million from retail investors [3] Individual Stock Analysis - Chengdu Bank had a slight negative net flow from institutional investors of 19.75 million, but a positive inflow from retail investors of 596.99 million [3] - Lanzhou Bank saw a net inflow of 13.36 million from institutional investors, while it faced a net outflow of 1.48 million from retail investors [3]

Core Viewpoint - Qilu Bank's Yantai Longkou Branch emphasizes a customer-centric service philosophy, demonstrating care and efficiency in addressing client needs, particularly for vulnerable groups [1] Group 1: Customer Service Initiatives - The bank provided on-site service to a hospitalized client, Mr. Li, who needed to sell his property to cover medical expenses but faced challenges due to lack of accessible banking facilities [1] - A special customer service plan was activated, allowing bank staff to use mobile devices to complete the entire process of opening a bank account at the hospital [1] - This initiative ensured that the sale proceeds were received promptly, securing necessary funds for Mr. Li's ongoing treatment [1] Group 2: Future Service Commitment - Qilu Bank's Yantai Branch plans to continue expanding its service offerings to cater to special groups, aiming to create a more accessible and caring financial service environment [1] - The bank's approach not only focuses on transaction completion but also emphasizes the emotional connection and support provided to clients [1]