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]

| 姓名 | 离任职务 | 离任时间 | | 原定任期到 | | 离任原因 | 是否继续在上 市公司及其控 | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | 期日 | | | 股子公司任职 | 毕的公开 | | | | | | | | | | 承诺 | | | 职工监事、 | 2025 年 | 8 | 2026 年 月 | 8 | | | | | 张晓艳 | 监事会监督 | | | 日 | | 工作变动 | 否 | 否 | | | 委员会委员 | 月 28 | 日 | 10 | | | | | 二、监事离任对公司的影响 张晓艳女士确认与公司监事会无不同意见，亦无任何其他事项需要知会公司 股东及债权人，并已按相关要求做好交接工作。张晓艳女士的辞任不会对公司监 事会运作及公司经营管理造成重大影响。 公司监事会对张晓艳女士在任职期间做出的贡献表示衷心感谢！ 特此公告。 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-063 齐鲁银行股份有限公司 关于职工监事辞任的公告 本公司监事会及全体监事 ...

1 / 40 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-062 齐鲁银行股份有限公司 关于修订公司章程的公告 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。 齐鲁银行股份有限公司（以下简称"公司"）于 2025 年 8 月 27 日召开的第 九届董事会第十六次会议、第九届监事会第十二次会议审议通过了《关于修订〈齐 鲁银行股份有限公司章程〉的议案》，同意将该议案提交股东大会审议。本次公 司章程修订内容如下： | 序号 | 现条款 | 本次修订后条款 | 修订说明 | | --- | --- | --- | --- | | | 第一条 为维护齐鲁银行股份有限 | | | | | 公司（以下简称"本行"）、股东和 | 第一条 为维护齐鲁银行股份有限公司 | | | | | （以下简称"本行"）、股东、职工和 | | | | 债权人的合法权益，规范本行的组 | 债权人的合法权益，规范本行的组织和 | | | | 织和行为，根据《中国共产党章 | | | | | 程》、《中华人民共和国公司法》（以 | 行为，根据《 ...

齐鲁银行股份有限公司 关于变更注册资本的公告 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。 齐鲁银行股份有限公司（以下简称"公司"）于 2025 年 8 月 27 日召开的第 九届董事会第十六次会议审议通过了《关于变更注册资本的议案》、《关于修订〈齐 鲁银行股份有限公司章程〉的议案》，同意变更公司注册资本，并对公司章程相 关条款进行修改。 公司于 2022 年 11 月 29 日公开发行 80 亿元可转换公司债券（债券简称："齐 鲁转债"，债券代码：113065），于 2025 年 8 月 14 日提前赎回"齐鲁转债"。自 2023 年变更注册资本至"齐鲁转债"赎回登记日，公司因"齐鲁转债"转股累 计新增股本 1,445,710,138 股，增加后总股本为 6,153,842,525 股。因此，拟将注 册资本由 4,708,132,387 元变更为 6,153,842,525 元，并对《公司章程》中涉及注 册资本、股份总数的条款进行相应修订，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 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-060 （一）2025 年半年度报告及其摘要 详见公司同日在上海证券交易所网站（www.sse.com.cn）披露的 2025 年半 年度报告及其摘要。 经审核，监事会认为公司 2025 年半年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 所的相关规定，真实、准确、完整地反映公司实际情况。 表决结果：同意 7 票，反对 0 票，弃权 0 票。 （二）关于不再设立监事会的议案 齐鲁银行股份有限公司 第九届监事会第十二次会议决议公告 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"）第九届监事会第十二次会议通 知于 2025 年 8 月 22 日以电子邮件方式发出，会议于 2025 年 8 月 27 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 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-059 齐鲁银行股份有限公司 第九届董事会第十六次会议决议公告 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"）第九届董事会第十六次会议通 知于 2025 年 8 月 22 日以电子邮件方式发出，会议于 2025 年 8 月 27 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 12 名，王庆彬董事因个人原因委托张骅月董事代为出席并 表决。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）2025 年半年度报告及其摘要 表决结果：同意 12 票，反对 0 票，弃权 0 票。 本议案需提交股东大会审议。 本议案已经董事会审计委员会审议 ...

Financial Performance - Total operating income for the first half of 2025 reached CNY 6,781,678, an increase of 5.76% compared to CNY 6,412,222 in the same period of 2024[17] - Total profit for the first half of 2025 was CNY 2,754,688, reflecting a growth of 14.54% from CNY 2,405,008 in the first half of 2024[17] - Net profit for the first half of 2025 amounted to CNY 2,727,403, which is a 16.28% increase compared to CNY 2,345,623 in the same period of 2024[17] - Net profit attributable to shareholders of the listed company was CNY 2,734,365, up 16.48% from CNY 2,347,397 in the first half of 2024[17] - The net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 2,683,403, representing a 17.11% increase from CNY 2,291,326 in the same period of 2024[17] - Basic earnings per share increased by 17.39% year-over-year to CNY 0.54 for the first half of 2025[19] - Net interest income was CNY 4.986 billion, up 13.29% from the previous year, accounting for 73.52% of total revenue[62] - The bank's weighted average return on equity increased to 12.80%, up from 12.66% in the previous year[19] Asset and Liability Management - Total assets increased by 8.96% year-over-year to CNY 751.31 billion as of June 30, 2025[18] - Total loans rose by 10.16% year-over-year to CNY 371.41 billion, with corporate loans increasing by 15.72% to CNY 278.06 billion[18] - The bank's total liabilities were CNY 700.858 billion, an increase of 9.30% from the previous year[58] - The bank's total deposits grew by 8.88% year-over-year to CNY 478.57 billion[18] - The company's bond payable (excluding interest) was 109,707,532 thousand RMB, marking a 25.09% increase from the previous year[106] Risk Management - Non-performing loan ratio improved to 1.09%, down from 1.19% at the end of 2024[20] - The coverage ratio for provisions reached 343.24%, an increase of 20.86 percentage points year-on-year[59] - The bank has implemented a comprehensive risk management system, incorporating big data tools to enhance risk identification and measurement capabilities[34] - The bank has strengthened its risk management framework, including market risk management with established limits for trading and loss prevention[127] - The bank has initiated a three-year compliance culture construction plan to improve compliance management capabilities[132] Customer and Market Development - The bank has established a retail financial strategy, enhancing customer loyalty and expanding its wealth management offerings through a "self-operated + agency" model[33] - The bank has prioritized inclusive finance, significantly improving service quality for small and micro enterprises, and has established a dedicated inclusive finance department[34] - The bank is focusing on rural revitalization, enhancing financial services in county markets, and increasing the contribution of county financial business[34] - The number of active corporate clients reached 137,200, a year-on-year increase of 14.72%[38] - The bank's business operations are primarily concentrated in Shandong Province, with a growing presence in Tianjin, Henan, and Hebei[29] Digital Transformation and Innovation - The bank is focusing on digital empowerment to improve transformation effectiveness, emphasizing key areas such as precision marketing and intelligent risk control[139] - The company has focused on digital transformation, enhancing marketing, risk control, operations, and decision-making through AI technology applications[152] - The bank is leveraging technology to enhance risk control, including the use of AI for model application and risk monitoring[126] Shareholder and Corporate Governance - The company plans to distribute a total cash dividend of 1.289 billion yuan for the fiscal year 2024, with a dividend of 0.266 yuan per share[149] - The company held one shareholders' meeting during the reporting period, adhering to legal and regulatory requirements[141] - The board of directors held two meetings to address operational and risk management issues, ensuring compliance with relevant laws and regulations[142] - The company has 199 branches as of the end of the reporting period, an increase of 5 branches compared to the end of the previous year[145] Compliance and Legal Matters - The half-year report was reviewed by KPMG Huazhen and has not been audited[171] - There were no bankruptcy reorganization matters during the reporting period[172] - The company executed its related party transactions in compliance with regulatory requirements, with a total loan issuance of 11,124.279 million yuan[177] - The total amount of pending litigation or arbitration as both plaintiff and defendant is 440 million yuan, with no significant adverse impact expected on financial results[173]

Market Performance - The city commercial bank sector increased by 1.22% on August 28, with Chengdu Bank leading the gains [1] - The Shanghai Composite Index closed at 3843.6, up 1.14%, while the Shenzhen Component Index closed at 12571.37, up 2.25% [1] Individual Bank Performance - Chengdu Bank's closing price was 18.54, with a rise of 2.77% and a trading volume of 674,500 shares, amounting to a transaction value of 1.241 billion yuan [1] - Nanjing Bank closed at 11.28, up 1.99%, with a trading volume of 653,800 shares and a transaction value of 735 million yuan [1] - Jiangsu Bank closed at 11.02, up 1.94%, with a trading volume of 2.122 million shares and a transaction value of 2.324 billion yuan [1] - Other notable banks include Hangzhou Bank (closing price 16.08, up 1.39%), Ningbo Bank (closing price 28.29, up 1.11%), and Suzhou Bank (closing price 8.32, up 1.09%) [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 470 million yuan from main funds, while retail funds experienced a net outflow of 383 million yuan [2] - The individual stock capital flow indicates that Jiangsu Bank had a net inflow of 111 million yuan from main funds, while it faced a net outflow of 10.2 million yuan from retail funds [3] - Hangzhou Bank also reported a net inflow of 108 million yuan from main funds, with a net outflow of 81.36 million yuan from retail funds [3]

Core Viewpoint - Qilu Bank has established itself as a "citizen bank" by actively fulfilling its social responsibilities, particularly through the provision of social security card services, which have reached over 1.1 million customers [1]. Group 1: Customer-Centric Services - Qilu Bank has launched a one-stop instant card service platform for social security cards, enhancing customer experience through diverse and multi-channel services [1]. - The bank's staff provided on-site service to an elderly customer who was unable to activate her social security card, demonstrating a commitment to customer care and convenience [2]. - Mobile service teams equipped with portable instant card machines have been established to efficiently conduct on-site services, with over 50 outreach activities conducted in 2024, covering 48 administrative villages [3]. Group 2: Community Engagement - Qilu Bank has partnered with the Jinan Social Security Bureau to host community service events, providing consultation and quick solutions for social security-related issues, while also offering interactive activities and discounts for card users [3]. - The bank has actively engaged with local enterprises to facilitate the centralized processing of social security cards for employees, streamlining the process and enhancing efficiency for both businesses and their staff [4]. Group 3: Future Commitment - Qilu Bank plans to continue its customer-centric service approach, aligning with national and local policies to enhance the welfare of the elderly and promote the development of the silver economy [4].