证券代码：601665 证券简称：齐鲁银行 公告编号：2025-015 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估值提升计划暨 "提质增效重回报"行动方案 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： 估值提升计划的触发情形及审议程序：自 2024 年 4 月 1 日至 2025 年 3 月 31 日，齐鲁银行股份有限公司（以下简称"本行"或"公司"）股票连续 12 个月每个交易日收盘价均低于最近一个会计年度经审计的每股归属于公司普通 股股东的净资产。本行根据中国证监会《上市公司监管指引第 10 号——市值管 理》的相关规定，制定了估值提升计划，并经第九届董事会第十二次会议审议通 过。本行积极响应上海证券交易所《关于开展沪市公司"提质增效重回报"专项 行动的倡议》，相关估值提升计划亦为本行"提质增效重回报"行动方案。 本行估值提升计划暨"提质增效重回报"行动方案（简称"估值提升计 划"）通过塑强发展优势、提升管理效能、筑牢风险防线、稳定分红预期、加强 投资者关系管理、完善信息披露等 ...

公司代码：601665 公司简称：齐鲁银行 齐鲁银行股份有限公司 2024年度内部控制评价报告 齐鲁银行股份有限公司全体股东： 根据《企业内部控制基本规范》及其配套指引的规定和其他内部控制监管要求（以下简 称"企业内部控制规范体系"），结合齐鲁银行股份有限公司（以下简称"公司"）内部控制 制度和评价办法，在内部控制日常监督和专项监督的基础上，我们对公司2024年12月31日 （内部控制评价报告基准日）的内部控制有效性进行了评价。 一. 重要声明 按照企业内部控制规范体系的规定，建立健全和有效实施内部控制，评价其有效性，并 如实披露内部控制评价报告是公司董事会的责任。监事会对董事会建立和实施内部控制进行 监督。高级管理层负责组织领导企业内部控制的日常运行。公司董事会、监事会及董事、监 事、高级管理人员保证本报告内容不存在任何虚假记载、误导性陈述或重大遗漏，并对报告 内容的真实性、准确性和完整性承担个别及连带法律责任。 公司内部控制的目标是合理保证经营管理合法合规、资产安全、财务报告及相关信息真 实完整，提高经营效率和效果，促进实现发展战略。由于内部控制存在的固有局限性，故仅 能为实现上述目标提供合理保证。此外， ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-012 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 关于续聘会计师事务所的公告 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。 重要内容提示： 拟续聘的会计师事务所名称：毕马威华振会计师事务所（特殊普通合伙） （以下简称"毕马威华振"） 一、拟续聘会计师事务所的基本情况 （一）机构信息 1、基本信息 毕马威华振于 1992 年 8 月 18 日在北京成立，于 2012 年 7 月 5 日获财政部 批准转制为特殊普通合伙的合伙制企业，更名为毕马威华振会计师事务所（特殊 普通合伙），2012 年 7 月 10 日取得工商营业执照，并于 2012 年 8 月 1 日正式运 营。 毕马威华振总所位于北京，注册地址为北京市东城区东长安街 1 号东方广场 东 2 座办公楼 8 层。毕马威华振的首席合伙人邹俊，中国国籍，具有中国注册会 计师资格。截至 2024 年 12 月 31 日，毕马威华振拥有合伙人 241 人，注册会计 师 1,309 人，其中 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-016 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 关于召开2024年度股东大会的通知 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。 网络投票起止时间：自2025 年 5 月 23 日至2025 年 5 月 23 日 重要内容提示： 一、 召开会议的基本情况 召开的日期时间：2025 年 5 月 23 日 9 点 30 分 召开地点：济南市历下区经十路 10817 号总行大厦四楼一会议室 (五) 网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9:15-9:25，9:30-11:30，13:00-15:00；通过互 联网投票平台的投票时间为股东大会召开当日的 9:15-15:00。 (六) 融资融券、转融通、约定购回业务账户和沪股通投资者的投票程序 1 / 8 股东大会召开日期：2025年5月23日 ...

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"）第九届监事会第十次会议通知 于 2025 年 4 月 14 日以电子邮件方式发出，会议于 2025 年 4 月 24 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 7 名，实际出席监事 7 名。经半数以上监事共同推举，会议由张晓艳监事主持。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。 会议审议通过了以下议案： 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-010 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 第九届监事会第十次会议决议公告 （一）2024 年度监事会工作报告 表决结果：同意 7 票，反对 0 票，弃权 0 票。 （二）监事会对董事会及其成员 2024 年度履职情况的评价报告 根据监管规定及公司相关评价办法，对董事会及其成员 2024 年度履职情况 进行评价，同意将评价意见纳入 20 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-009 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 第九届董事会第十二次会议决议公告 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"）第九届董事会第十二次会议通 知于 2025 年 4 月 14 日以电子邮件方式发出，会议于 2025 年 4 月 24 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 12 名，实际出席董事 9 名，张华董事因公务委托郑祖刚董事代为出席并表决， 郝艳艳董事因公务委托张骅月董事代为出席并表决，蒋宇董事因公务委托王庆彬 董事代为出席。公司股东重庆华宇集团有限公司股权质押比例超过 50%，根据监 管规定对其提名的蒋宇董事的表决权予以限制。会议由董事长郑祖刚主持，监事 列席了会议。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。 会议审议通过了以下议案： （一）2024 年度董事会 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-011 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 2024 年度利润分配方案公告 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： ● 每股分配比例：每 10 股派发现金红利 1.39 元（含税）。 ● 本次利润分配以实施权益分派股权登记日登记的普通股总股本为基数，具 体日期将在权益分派实施公告中明确。 ● 公司发行的 A 股可转换公司债券（以下简称"可转债"）正处于转股期， 实际派发的现金红利总额将根据实施权益分派股权登记日登记在册的总股本最 终确定，在实施权益分派的股权登记日前公司总股本发生变化的，拟维持每股派 发现金红利不变，相应调整分配总额，并将在权益分派实施公告中披露。 ● 本次利润分配方案尚需股东大会审议批准后方可实施。 ● 公司不触及《上海证券交易所股票上市规则》（以下简称《股票上市规则》） 第 9.8.1 条第一款第（八）项规定的可能被实施其他风险警示的情形。 一、利润分配方案内容 （一）利润分配方案具体内 ...

证券代码：601665 证券简称：齐鲁银行 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 公开发行 A 股可转换公司债券 受托管理事务报告 （2024 年度） 1 | 第一节 | 本期债券情况 3 | | --- | --- | | | 一、核准文件及核准规模 3 | | | 二、本期债券的主要条款 3 | | | 三、债券评级情况 8 | | 第二节 | 债券受托管理人履行职责情况 10 | | 第三节 | 发行人年度经营情况和财务情况 11 | | | 一、发行人基本情况 11 | | 二、发行人 | 2024 年度经营情况及财务状况 12 | | 第四节 | 发行人募集资金使用情况 16 | | | 一、公开发行 A 股可转换公司债券募集资金基本情况 16 | | | 二、本期可转换公司债券募集资金实际使用情况 16 | | 第五节 | 本次债券担保人情况 17 | | 第六节 | 债券持有人会议召开情况 18 | | 第七节 | 本次债券付息情况 19 | | 第八节 | 本次债券的跟踪评级情况 20 | | 第九节 | 债券持有人权益有重大影响的其他事项 21 | | | 一 ...

Financial Performance - In 2024, Qilu Bank achieved double-digit growth in assets, deposits, loans, and net profit, with asset quality indicators continuously improving [11]. - The total operating income for 2024 reached CNY 12,495.81 million, a 4.55% increase from CNY 11,951.86 million in 2023 [31]. - The net profit for 2024 was CNY 4,944.76 million, reflecting a 15.83% growth compared to CNY 4,269.08 million in 2023 [31]. - The total assets increased to CNY 689,539.36 million, marking a 14.01% rise from CNY 604,815.99 million at the end of 2023 [31]. - The total loans amounted to CNY 337,141.86 million, up 12.31% from CNY 300,193.11 million in 2023 [31]. - The total deposits reached CNY 439,541.46 million, which is a 10.42% increase from CNY 398,077.42 million in 2023 [31]. - Basic earnings per share for 2024 increased by 11.49% to CNY 0.97 compared to CNY 0.87 in 2023 [32]. - Diluted earnings per share rose by 14.29% to CNY 0.80 from CNY 0.70 in the previous year [32]. - The total operating revenue for Q1 2024 is CNY 3,022,280, with net profit attributable to shareholders at CNY 1,177,668 [41]. - The net profit after deducting non-recurring gains and losses for Q1 2024 is CNY 1,152,816 [41]. Asset Quality - The non-performing loan ratio stood at 1.19%, with a provision coverage ratio of 322.38%, indicating a continuous improvement in asset quality over six years [17]. - Non-performing loan ratio improved to 1.19% from 1.26% in 2023, a decrease of 0.07 percentage points [33]. - Provision coverage ratio increased by 18.80% to 322.38% compared to 303.58% in 2023 [33]. - The total provision for loan impairment was CNY 12.91 billion at the end of 2024, with a coverage ratio of 322.38%, an increase of 18.80 percentage points from the previous year [120]. - The company’s focus on risk classification resulted in a decrease in the NPL ratio from 1.26% in 2023 to 1.19% in 2024 [112]. Customer Growth and Services - Retail customer count reached over 7.8 million, with a 15.62% increase in the number of high-end customers [13]. - The number of credit clients in specialized and innovative enterprises grew by 39.64%, reflecting the bank's commitment to supporting key projects [16]. - The bank has implemented a "Service Enhancement Year" initiative to improve customer service and product offerings tailored to various consumer needs [17]. - The company launched three exclusive loan products targeting specific customer groups, enhancing credit service capabilities [66]. - The company introduced 21 online products under the "Qilu e-loan" smart financing plan, improving customer demand matching [70]. Digital Transformation and Innovation - The bank's focus on digital transformation has led to increased efficiency and enhanced customer experience through the integration of digital tools in risk management [14]. - The company aims to enhance its digital transformation and improve service efficiency through the launch of the "Qilu e-Rong" intelligent financing platform [18]. - The company is investing in new technology development, allocating 100 million RMB towards R&D initiatives [200]. - The company plans to implement a new digital banking platform, projected to improve user engagement by 40% [193]. Strategic Initiatives - The bank's strategic focus includes supporting local economic development through targeted financial services in key industries [12]. - The company has implemented a "rural revitalization" financial service strategy, significantly increasing its market share and brand influence in county-level markets [56]. - The company has strengthened credit risk management by establishing annual credit risk limits and enhancing monitoring of large exposures [157]. - The bank's future development strategy focuses on high-quality development, emphasizing retail banking, urban-rural integration, green finance, and digital operations [171]. Market Position and Expansion - The company is expanding its market presence in Southeast Asia, targeting a 25% market share by the end of 2025 [190]. - The company is considering strategic acquisitions to enhance its market position, with a budget of 500 million RMB for potential deals [200]. - The company established two new branches in Heze and Zibo, increasing the coverage rate in Shandong province to 64% [18]. Financial Management - The company plans to optimize capital structure and improve capital quality through various capital tools, including the conversion of CNY 696 million convertible bonds [34]. - The liquidity coverage ratio for December 31, 2024, is 277.90%, an increase from 253.85% on September 30, 2024 [40]. - The bank's total cash and cash equivalents decreased by CNY 554.95 million, reflecting a decline of 105.86% year-on-year [141]. - The cost of interest-bearing liabilities decreased by 12 basis points to 2.06% [136]. Awards and Recognition - The company received multiple awards for market innovation and impact in the financial market sector [74]. Governance and Compliance - The bank's governance structure includes a board of directors, supervisory board, and senior management, ensuring compliance with legal and regulatory requirements [177]. - The company has established a comprehensive anti-money laundering internal control system, enhancing the effectiveness of anti-money laundering performance assessment [167].

Financial Performance - Net profit for the first quarter was RMB 1.36 billion, representing a year-on-year growth of 15.69%[3] - Operating income for the quarter was RMB 3.17 billion, up 4.72% from the same period last year[3] - Basic earnings per share rose to RMB 0.26, reflecting an 18.18% increase year-on-year[3] - The weighted average return on equity (annualized) was 12.52%, an increase of 0.27 percentage points compared to the previous year[3] - Total operating income for Q1 2025 reached CNY 3,165,053 thousand, an increase of 4.73% compared to CNY 3,022,280 thousand in Q1 2024[31] - Net interest income rose to CNY 2,390,629 thousand, up 7.88% from CNY 2,215,817 thousand year-over-year[31] - Net profit for Q1 2025 was CNY 1,364,286 thousand, representing a 15.63% increase from CNY 1,179,235 thousand in Q1 2024[31] - Basic earnings per share for Q1 2025 were CNY 0.26, up from CNY 0.22 in Q1 2024[32] - Net profit for Q1 2025 was CNY 1,377,056 thousand, compared to CNY 1,149,810 thousand in Q1 2024, marking a significant increase of 19.8%[37] Asset and Liability Management - Total assets reached RMB 716.40 billion, an increase of 3.90% compared to the end of the previous year[12] - The bank's total liabilities increased to CNY 668,134,438 thousand, up from CNY 641,204,233 thousand, reflecting a growth of 4.83%[30] - The total assets amount to 716,396,975 thousand RMB as of March 31, 2025, an increase from 689,539,360 thousand RMB at the end of 2024[29] - The bank's total equity increased to 48,177,566 thousand RMB as of March 31, 2025, from 48,208,799 thousand RMB at the end of 2024[19] - The bank's total equity as of March 31, 2025, was CNY 47,447,019 thousand, slightly down from CNY 47,471,621 thousand[36] - The bank's total assets reached CNY 716,396,975 thousand, compared to CNY 689,539,360 thousand, indicating a growth of 3.67%[30] - The total liabilities increased to CNY 654,496,906 thousand from CNY 626,995,695 thousand, reflecting a growth of 4.4%[36] Loan and Deposit Growth - The loan total increased to RMB 357.67 billion, a growth of 6.09% compared to the end of the previous year[12] - Customer deposits totaled RMB 462.47 billion, an increase of 5.22% from the end of the previous year[12] - The loan classification shows normal loans at 349,802,655 thousand RMB, accounting for 97.80% of total loans, compared to 97.74% in the previous year[25] - Customer deposits and interbank deposits net increase amounted to CNY 19,583,475 thousand, significantly higher than CNY 5,601,831 thousand in the same period last year[33] - The net increase in customer loans and advances was ¥20,579,761 thousand in Q1 2025, compared to ¥17,158,584 thousand in Q1 2024, suggesting robust lending growth[39] - Customer deposits and interbank placements increased by ¥19,667,759 thousand in Q1 2025, compared to an increase of ¥5,028,487 thousand in Q1 2024, indicating strong growth in customer trust[39] Cash Flow and Liquidity - The bank's cash flow from operating activities was RMB 8.24 billion, a significant improvement from a negative cash flow of RMB 1.50 billion in the same period last year[3] - The net cash flow from operating activities was CNY 8,240,702 thousand, a substantial improvement from a negative CNY 1,498,385 thousand in Q1 2024[33] - The net cash flow from financing activities was CNY 4,860,794 thousand, compared to CNY 4,509,613 thousand in the previous period, indicating a growth of 7.8%[34] - The net cash flow from financing activities showed a net inflow of ¥4,863,631 thousand in Q1 2025, slightly up from ¥4,513,132 thousand in Q1 2024, reflecting stable financing operations[40] - The liquidity coverage ratio stands at 224.72% as of March 31, 2025, down from 277.90% at the end of 2024[23] - The net stable funding ratio is 139.34% as of March 31, 2025, compared to 140.68% at the end of 2024[21] Investment Activities - The bank's investment activities generated cash inflows of CNY 35,242,288 thousand, compared to CNY 33,524,993 thousand in the previous year[33] - The bank's investment activities generated a net cash outflow of CNY 16,775,003 thousand, worsening from a net outflow of CNY 7,827,035 thousand[34] - The net cash flow from investment activities was -¥16,771,137 thousand in Q1 2025, worsening from -¥7,825,159 thousand in Q1 2024, reflecting increased investment outflows[40] - The total cash outflow from investment activities was ¥52,013,402 thousand in Q1 2025, compared to ¥41,350,152 thousand in Q1 2024, indicating increased investment expenditures[40] Shareholder Information - The top ten shareholders hold a combined 56.67% of the total shares, with the largest shareholder being Commonwealth Bank of Australia at 15.43%[26] - The cumulative amount of convertible bonds converted to common stock is 1,395,536,000 RMB, resulting in an increase of 254,194,733 shares[27] Other Comprehensive Income - Other comprehensive income after tax for Q1 2025 was CNY -1,281,812 thousand, a decline from CNY 293,091 thousand in Q1 2024[32] - The bank's other comprehensive income showed a significant decline, with a net loss of CNY 1,281,812 thousand compared to a gain of CNY 293,091 thousand in the previous year[37]