证券代码：601665 证券简称：齐鲁银行 公告编号：2025-054 可转债代码：113065 可转债简称：齐鲁转债 齐鲁银行股份有限公司 关于实施"齐鲁转债"赎回暨摘牌的 第二十一次提示性公告 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。 重要内容提示： 截至 2025 年 8 月 8 日收市后（自 2025 年 8 月 11 日起），"齐鲁转债"停 止交易。 最后转股日：2025 年 8 月 13 日 截至 2025 年 8 月 11 日收市后，距离 2025 年 8 月 13 日（"齐鲁转债"最后 转股日）仅剩 2 个交易日，2025 年 8 月 13 日为"齐鲁转债"最后一个转股日。 本次提前赎回完成后，"齐鲁转债"将自 2025 年 8 月 14 日起在上海证 券交易所摘牌。 投资者所持"齐鲁转债"除在规定时限内按 5.00 元/股的转股价格进行转 股外，仅能选择以 100 元/张的票面价格加当期应计利息（合计人民币 100.7068 元/张）被强制赎回。若被强制赎回，可能面临较大投资损失。 在本次发行可转债的转 ...

Core Viewpoint - Qilu Bank has issued a statement to protect consumers' rights and prevent illegal activities by intermediaries using its name for loan services [1][2]. Group 1 - Qilu Bank has not authorized any third-party institutions or individuals to conduct personal loan business on its behalf, urging customers to be cautious of unknown calls, messages, or online advertisements [1]. - The bank does not charge any additional fees related to loan processing, including loan handling fees, intermediary fees, or service fees, and encourages reporting any fraudulent activities to the police [2]. Group 2 - Customers are advised to be vigilant against false business schemes, such as exaggerated claims of quick loans or low-interest rates, and to avoid clicking on unknown links or scanning unfamiliar QR codes [3]. - Important personal information should not be disclosed casually, and customers should safeguard their identification documents and banking information during loan transactions [3]. - The bank warns against unusual fund transfers and emphasizes the importance of maintaining good credit by avoiding misleading offers related to credit repair [3].

Core Insights - The banking sector has shown robust performance in the first half of 2025, with several banks reporting significant growth in both asset size and operating income, with net profits for five banks increasing by over 10% year-on-year [1][2] Group 1: Financial Performance - Shanghai Pudong Development Bank reported an operating income of 90.559 billion yuan, a year-on-year increase of 2.62%, and a net profit of 29.737 billion yuan, up 10.19% [2] - Qingdao Bank's total assets reached 743.028 billion yuan, growing by 7.69% compared to the end of the previous year, with a net profit of 3.065 billion yuan, reflecting a 16.05% increase [2] - The asset quality of multiple banks remains stable, with Shanghai Pudong Development Bank's non-performing loan (NPL) balance decreasing by 608 million yuan, resulting in an NPL ratio of 1.31%, down 0.05 percentage points from the end of the previous year [2][3] Group 2: Market Conditions and Revenue Drivers - The growth in bank operating income is attributed to two main factors: a decline in deposit rates leading to lower funding costs, and a recovery in the capital markets boosting income from wealth management and other intermediary services [1][4] - The capital market's recovery has enhanced the attractiveness of bank wealth management products, contributing to increased non-interest income [4][5] - Analysts expect that as the market stabilizes and the impact of previous fee adjustments diminishes, banks will see a recovery in fee and commission income, particularly from wealth management services [5] Group 3: Future Outlook - Looking ahead, banks are expected to continue supporting economic growth, with loan and deposit activities driving asset and liability growth, and a focus on optimizing credit structures [1][6] - Despite facing some downward pressure on net interest margins, banks are likely to stabilize these margins through measures such as lowering deposit rates and managing high-interest deposits [6]

Core Viewpoint - The first half of 2025 has shown positive growth in revenue and net profit for several A-share listed banks, with a notable performance from Changshu Bank, indicating a potential revaluation of bank stocks and a favorable outlook for a "slow bull market" [2][9]. Group 1: Changshu Bank Performance - Changshu Bank reported a revenue of 6.062 billion yuan, a year-on-year increase of 10.1%, and a net profit of 1.969 billion yuan, up 13.51% [3]. - Non-interest income surged by 57.26%, driven by significant increases in fee and commission income (up 637.77%) and bond investment income (up 560.13%) [3]. - As of June 30, 2025, total assets reached 401.227 billion yuan, with loans and deposits growing by 4.4% and 8.46%, respectively [3][4]. Group 2: Asset Quality and Dividends - The non-performing loan (NPL) ratio stood at 0.76%, a slight decrease from the previous year, while the provision coverage ratio was 489.53% [4]. - Changshu Bank proposed a cash dividend of 0.15 yuan per share, totaling 497 million yuan, which is 25.27% of its net profit for the half-year [4]. Group 3: Other Banks' Performance - Other banks such as Hangzhou Bank, Ningbo Bank, and Shanghai Pudong Development Bank also reported net profit growth exceeding 10%, with Hangzhou Bank achieving a 16.67% increase [5][7]. - Shanghai Pudong Development Bank's net profit reached 29.737 billion yuan, reflecting a 10.19% year-on-year growth, with total loans and deposits increasing by 4.51% and 8.71%, respectively [5][7]. - Qingdao Bank and Ningbo Bank also reported positive growth in both revenue and net profit, with Qingdao Bank's net profit increasing by 16.05% [8]. Group 4: Market Performance and Outlook - The banking sector has seen an 18.10% increase in stock prices year-to-date, with Shanghai Pudong Development Bank leading with a 41.88% rise [9]. - Agricultural Bank of China has surpassed Industrial and Commercial Bank of China in market capitalization, reaching 2.14 trillion yuan [10][11]. - Analysts suggest that the combination of low valuations and high returns makes bank stocks attractive, with potential for over 60% price appreciation based on current dividend yields and asset quality [11][12].

Core Points - The company announces the redemption and delisting of "Qilu Convertible Bonds" effective from August 14, 2025 [1][4][13] - The last trading day for "Qilu Convertible Bonds" is August 8, 2025, and the last conversion day is August 13, 2025 [2][3][12] Redemption Details - The redemption price is set at RMB 100.7068 per bond, which includes accrued interest [4][8][9] - The redemption registration date is August 13, 2025, and the redemption payment date is August 14, 2025 [8][11] - The company has triggered the conditional redemption clause as the stock price met the required threshold [5][7] Trading and Conversion - "Qilu Convertible Bonds" will stop trading after the close on August 8, 2025, and will cease conversion after August 13, 2025 [12][15] - Investors are advised to convert their bonds within the specified timeframe to avoid potential losses [4][15][16] Tax Implications - Individual investors are subject to a 20% tax on interest income from the bonds, affecting the net redemption amount [14] - Non-resident enterprises are exempt from certain taxes on bond interest income until December 31, 2025 [14]

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-053 可转债代码：113065 可转债简称：齐鲁转债 齐鲁银行股份有限公司 关于实施"齐鲁转债"赎回暨摘牌的 第二十次提示性公告 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。 重要内容提示： 截至 2025 年 8 月 8 日收市后（自 2025 年 8 月 11 日起），"齐鲁转债"停 止交易。 最后转股日：2025 年 8 月 13 日 截至 2025 年 8 月 8 日收市后，距离 2025 年 8 月 13 日（"齐鲁转债"最后 转股日）仅剩 3 个交易日，2025 年 8 月 13 日为"齐鲁转债"最后一个转股日。 本次提前赎回完成后，"齐鲁转债"将自 2025 年 8 月 14 日起在上海证 券交易所摘牌。 投资者所持"齐鲁转债"除在规定时限内按 5.00 元/股的转股价格进行转 股外，仅能选择以 100 元/张的票面价格加当期应计利息（合计人民币 100.7068 元/张）被强制赎回。若被强制赎回，可能面临较大投资损失。 "齐鲁转债"已停止交易， ...

本报记者 熊 悦 今年以来，选择在上市银行股价相对高位的时点实施减持的大股东并非只有重庆华宇，此前，浙商银 行、长沙银行也曾公告大股东减持计划。 银行股走强之际，有上市银行大股东选择减持变现。7月13日，齐鲁银行发布公告称，该行股东重庆华 宇集团有限公司（以下简称"重庆华宇"）根据自身发展需要，拟在该公告披露之日起3个交易日后的2个 月内，通过大宗交易方式减持不超过约6043.81万股，即减持比例不超过该行总股本的1.10%。以齐鲁银 行7月14日收盘价每股6.44元及重庆华宇计划减持股份数量上限粗略计算，此次重庆华宇拟通过减持变 现约4亿元。 南开大学金融学教授田利辉告诉《证券日报》记者，目前来看，减持多缘于大股东自身经营或战略调整 需要。虽然大股东减持可能引发短期市场情绪波动，但若上市银行自身经营稳健，大股东减持对其长期 估值影响有限。 公开信息显示，重庆华宇是一家以房地产开发为主的多元化城市运营和投资集团。齐鲁银行2025年第一 季度报告显示，重庆华宇为该行前十大股东。 另外，也有大股东选择大手笔增持上市银行。据记者梳理，今年以来，苏州银行、无锡银行等均发布了 股东增持股份的相关公告。苏州银行6月30日 ...

8月7日晚间，齐鲁银行发布公告称，8月8日为齐鲁转债最后一个交易日，8月13日为齐鲁转债最后一个 转股日。提前赎回完成后，齐鲁转债将于8月14日在上交所摘牌。 齐鲁转债将是今年第五只摘牌的银行转债，齐鲁转债退市后，银行可转债将仅剩7只。 今年10月，一旦 浦银转债到期摘牌，银行转债的规模将降至1000亿元之下，若假设常银转债、上银转债能够完成促转 股，年末剩余兴业转债、重银转债、青农转债、紫银转债4只转债合计剩余规模约639亿元，银行转债的 稀缺性进一步提升。 齐鲁转债即将退市 齐鲁银行提示，投资者所持齐鲁转债除在规定时限内通过二级市场继续交易或按5元/股的转股价格进行 转股外，仅能选择以100元/张的票面价格加当期应计利息（合计100.7068元/张）被强制赎回。若被强制 赎回，投资者可能面临较大损失。 齐鲁转债原为2028年到期，因正股股价上涨，触发了该债券的强制赎回条款。齐鲁银行在公告中表示， 6月3日至7月4日期间，公司股票已有15个交易日收盘价不低于齐鲁转债当期转股价格的130%（含 130%），已触发齐鲁转债有条件赎回条款。 信达证券分析师张晓辉表示， 齐鲁转债完成转股后，将有利于进一步补充核心一 ...

资产质量方面，各家银行均表现良好，杭州银行、常熟农商行、宁波银行不良贷款率均为0.76%，其 中，常熟农商行较年初微降0.01个百分点，宁波银行、杭州银行不良率均与上年末持平；齐鲁银行不良 贷款率1.09%，较上年末下降0.1个百分点；青岛银行不良贷款率1.12%，较上年末下降0.02个百分点； 浦发银行不良贷款率1.31%，较上年末下降0.05个百分点。 8月7日晚间，常熟农商行率先披露"期中考"成绩单，A股上市银行2025年半年报正式迎来放榜期。根据 半年报，常熟农商行上半年实现营业收入60.62亿元，同比增长10.1%；归母净利润19.69亿元，同比增 长13.51%。而在该行之前，杭州银行、宁波银行、齐鲁银行、青岛银行、浦发银行也曾发布业绩"预 喜"公告，其中多家银行归母净利润同比增幅达两位数。业绩的回暖也对股价形成支撑，年内银行股涨 势喜人。分析人士称，银行业绩改善为股价上涨提供了核心支撑，同时股价表现还受市场环境、估值水 平及投资者情绪等多重因素的综合影响。 多家银行业绩预喜 8月7日，常熟农商行披露半年报，报告期内，该行实现营业收入60.62亿元，同比增长10.1%；归母净利 润19.69亿元， ...

又一只银行转债将被提前赎回。 Wind数据显示，截至8月7日收盘，今年以来，申万一级银行行业指数涨幅超过14%，浦发银行涨幅接 近40%，青岛银行涨幅超过36%，农业银行涨幅超过30%，厦门银行、兴业银行、江苏银行等银行股涨 幅均超过20%。 齐鲁银行提示，投资者所持齐鲁转债除在规定时限内通过二级市场继续交易或按5元/股的转股价格进行 转股外，仅能选择以100元/张的票面价格加当期应计利息（合计100.71元/张）被强制赎回。若被强制赎 回，投资者可能面临较大损失。 齐鲁转债原为2028年到期，因正股股价上涨，触发了该债券的强制赎回条款。齐鲁银行在公告中表示， 6月3日至7月4日期间，公司股票已有15个交易日收盘价不低于齐鲁转债当期转股价格的130%（含 130%），已触发齐鲁转债有条件赎回条款。 Wind数据显示，截至8月7日收盘，今年以来，齐鲁银行股价上涨近16%。8月7日，齐鲁转债收报123.69 元/张，未转股余额为4.53亿元，未转股比例为5.67%。 齐鲁银行在公告中表示，因目前齐鲁转债二级市场价格与赎回价格差异较大，投资者如未及时转股或卖 出，可能面临较大投资损失。齐鲁银行提醒齐鲁转债持有人注意 ...