Market Overview - The city commercial bank sector experienced a decline of 0.92% on August 29, with Suzhou Bank leading the drop [1] - The Shanghai Composite Index closed at 3857.93, up 0.37%, while the Shenzhen Component Index closed at 12696.15, up 0.99% [1] Individual Stock Performance - Xi'an Bank saw a significant increase of 10.00%, closing at 4.18, with a trading volume of 1.51 million shares and a transaction value of 623 million yuan [1] - Qingdao Bank and Xiamen Bank also reported slight increases of 1.03% and 0.75%, respectively [1] - Conversely, Suzhou Bank experienced a decline of 2.40%, closing at 8.12, with a trading volume of 744,000 shares and a transaction value of 612 million yuan [2] Capital Flow Analysis - The city commercial bank sector had a net outflow of 1.793 billion yuan from institutional investors, while retail investors saw a net inflow of 913 million yuan [2] - The capital flow data indicates that retail investors are showing interest in the sector despite the overall decline [2] Detailed Capital Flow by Stock - Xi'an Bank had a net inflow of 99.76 million yuan from institutional investors, while it faced a net outflow of 42.89 million yuan from retail investors [3] - Hangzhou Bank also saw a net inflow of 61.29 million yuan from institutional investors, but retail investors withdrew 35.94 million yuan [3] - In contrast, Qilu Bank experienced a significant net outflow of 62.93 million yuan from institutional investors, while retail investors had a net inflow of 35.68 million yuan [3]

Group 1 - A total of 180 stocks in the Shanghai and Shenzhen markets have received net financing inflows for five consecutive days or more as of August 28 [1] - Qilu Bank has the longest streak, with net inflows for 16 consecutive trading days [1] - Other notable stocks with significant net financing inflows include China Steel International, Kosen Technology, Chengdi Xiangjiang, Meishuo Technology, Sinan Navigation, Zhejiang Construction Investment, Huagong Technology, and Wuhan Fangu [1]

8月28日，齐鲁银行发布2025年半年度报告。报告显示，2025年上半年，该行实现营业收入67.82亿元，同比增长5.76%；其中利息净收入49.86亿元，同比增长13.29%；手续费及佣金净收入 截至上半年末，齐鲁银行资产总额7513.05亿元，较上年末增长8.96%；贷款总额3714.10亿元，较上年末增长10.16%。聚焦金融"五篇大文章"，科技、绿色贷款增速分别达到17.60%、30. 截至上半年末，齐鲁银行不良贷款率1.09%，较上年末下降0.10个百分点；关注类贷款占比0.96%，较上年末下降0.11个百分点；拨备覆盖率343.24%，较上年末提高20.86个百分点。 ...

来源：上海证券报·中国证券网 上证报中国证券网讯（记者 马慜）8月28日，齐鲁银行发布的2025年半年报显示，该行上半年实现营业收入67.82亿元，同比增长5.76%；其中利息净收入49.86亿元，同比增长13.29%；手 业务规模稳健增长。截至6月末，资产总额7513.05亿元，较上年末增长8.96%；贷款总额3714.10亿元，较上年末增长10.16%。聚焦金融"五篇大文章"，科技、绿色贷款增速分别达到17.6 资产质量稳中向好，不良贷款率1.09%，较上年末下降0.10个百分点；关注类贷款占比0.96%，较上年末下降0.11个百分点；拨备覆盖率343.24%，较上年末提高20.86个百分点。 ...

Core Viewpoint - The report highlights the financial performance and operational achievements of Qilu Bank for the first half of 2025, showcasing growth in assets, loans, and profitability while maintaining strong asset quality indicators [7][8]. Group 1: Company Overview - Qilu Bank focuses on supporting the real economy through increased credit provision, aligning with central and local government policies [7]. - The bank's total assets reached 751.305 billion yuan, an increase of 8.96% compared to the end of the previous year [8]. Group 2: Financial Performance - Total loans amounted to 371.410 billion yuan, reflecting a growth of 10.16% year-on-year [8]. - The bank's total liabilities were 700.858 billion yuan, up 9.30% from the previous year, while total deposits reached 478.571 billion yuan, increasing by 8.88% [8]. - Operating income for the period was 6.782 billion yuan, a year-on-year increase of 5.76%, with net interest income rising by 13.29% to 4.986 billion yuan [8]. Group 3: Profitability Metrics - Net profit attributable to shareholders was 2.734 billion yuan, marking a 16.48% increase year-on-year, with basic earnings per share at 0.54 yuan, up 17.39% [8]. - The annualized return on average equity was 12.80%, an increase of 0.14 percentage points compared to the previous year [8]. - The net interest margin improved to 1.53%, up by 2 basis points [8]. Group 4: Asset Quality - The non-performing loan ratio stood at 1.09%, a decrease of 0.10 percentage points from the previous year [8]. - The coverage ratio for loan loss provisions was 343.24%, an increase of 20.86 percentage points year-on-year [8].

Core Viewpoint - Qilu Bank (601665.SH) reported a solid performance in the first half of 2025, with significant growth in revenue and net profit, indicating a robust operational strategy and effective management of financial resources [1] Financial Performance - The bank achieved an operating income of 6.782 billion yuan, representing a year-on-year increase of 5.76% [1] - Net interest income reached 4.986 billion yuan, up 13.29% year-on-year [1] - Net fee and commission income was 817 million yuan, reflecting a growth of 13.64% compared to the previous year [1] - Net profit attributable to shareholders was 2.734 billion yuan, marking a 16.48% increase year-on-year [1] - The net interest margin stood at 1.53%, an improvement of 2 basis points from the previous year [1] - The cost-to-income ratio improved to 24.90%, a decrease of 2.51 percentage points year-on-year [1] Business Growth - As of the end of June, total assets amounted to 751.305 billion yuan, an increase of 8.96% from the end of the previous year [1] - Total loans reached 371.410 billion yuan, growing by 10.16% year-on-year [1] - The bank's focus on key financial areas resulted in technology and green loans growing at rates of 17.60% and 30.03%, respectively, both exceeding the average loan growth rate [1] - Total deposits were 478.571 billion yuan, reflecting an 8.88% increase from the end of the previous year [1]

人民财讯8月28日电，齐鲁银行（601665）公布的2025年半年报显示，上半年该行，实现营业收入67.82 亿元，同比增长5.76%；归母净利润27.34亿元，同比增长16.48%。截至6月末，该行资产总额达7513.05 亿元，较上年末增长8.96%。收入构成方面，该行利息净收入同比增长13.29%，手续费及佣金净收入同 比增长13.64%。上半年末净息差为1.53%，较上年提升2BP(基点)。 ...

Group 1 - Qilu Bank announced the resignation of Ms. Zhang Xiaoyan from the supervisory board due to work changes [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 34.7 billion yuan [1]

Core Insights - Qilu Bank reported a revenue of 6.782 billion yuan for the first half of 2025, marking a year-on-year increase of 5.76% [1] - The net profit attributable to shareholders reached 2.734 billion yuan, up 16.48% year-on-year [1] - The bank's total assets amounted to 751.305 billion yuan, reflecting an 8.96% growth compared to the end of the previous year [1] Financial Performance - Net interest income was 4.986 billion yuan, with a year-on-year growth of 13.29% [1] - Net fee and commission income stood at 817 million yuan, increasing by 13.64% year-on-year [1] - Basic earnings per share were 0.54 yuan, representing a 17.39% increase year-on-year [1] Efficiency Metrics - The annualized return on average equity was 12.80%, up by 0.14 percentage points year-on-year [1] - The net interest margin improved to 1.53%, an increase of 2 basis points from the previous year [1] - The cost-to-income ratio decreased to 24.90%, down by 2.51 percentage points year-on-year [1] Business Scale - Total loans reached 371.410 billion yuan, growing by 10.16% compared to the end of the previous year [1] - Technology and green loan growth rates were 17.60% and 30.03%, respectively, both exceeding the average loan growth rate [1] - Total liabilities were 700.858 billion yuan, up 9.30% from the previous year-end [1] Asset Quality - The non-performing loan ratio was 1.09%, a decrease of 0.10 percentage points from the previous year-end [2] - The proportion of special mention loans was 0.96%, down by 0.11 percentage points year-on-year [2] - The provision coverage ratio improved to 343.24%, an increase of 20.86 percentage points from the previous year-end [2]

Group 1 - Qilu Bank held its 16th meeting of the 9th Board of Directors on August 27, 2025, in Jinan, where it reviewed the proposal to abolish the supervisory board [1] - For the year 2024, Qilu Bank's revenue composition is as follows: interest income accounts for 84.43%, non-interest income for 5.74%, and funds lent and repurchased for 0.88% [1] - As of the report date, Qilu Bank's market capitalization is 34.7 billion yuan [1]