近期，齐鲁银行济南自贸区分行贴心服务连获锦旗与点赞，无论是以贴心守护诠释服务温度，还是突破 地域限制的高效服务，都是该行以差异化服务精准对接客户需求，以温情服务画出的服务"同心圆"。 济南汉峪金谷支行聚焦"专业+高效"，为企业发展注入动力 近日，齐鲁银行济南钢城支行贴心服务获赠锦旗，八旬客户武福杰亲手送来一面印有"待客户如至亲， 解难题传温情"的锦旗，专程感谢支行日积月累的细致服务和用心负责的工作态度。 武福杰老人因特殊需求，急需大额崭新人民币，却恰逢该行新币储备不足。面对老人焦急的神情，厅堂 员工没有推诿拒绝，而是第一时间将老人搀扶至休息区，一边轻声安抚"您别急，这事我来想办法"，一 边迅速掏出手机联络周边多家银行协调新币。在得知2公里外的同业机构有符合客户需求的储备后，支 行人员主动牺牲午休时间，全程陪同老人跨网点兑换。新币顺利兑换后，老人深受感动，为表心意，他 专门制作锦旗送到支行，激励更多员工在细微处坚守初心、为客户排忧解难。 下一步，该行将继续聚焦群众需求，把"温情服务"延伸到更多场景，以实实在在的行动为周边群众提供 更加便捷、舒心的金融服务体验。 据悉，海湾石化集团主营润滑油销售，在济南、德州、潍 ...

Core Viewpoint - Qilu Bank demonstrated steady growth in both scale and profitability in the first half of 2025, with a balanced development in size, efficiency, and quality [1][3][4]. Financial Performance - As of June 30, 2025, total assets reached 7513 billion yuan, an increase of 8.96% from the end of the previous year [3][6]. - Total deposits amounted to 4786 billion yuan, growing by 8.88%, while total loans reached 3714 billion yuan, up by 10.16% [1][3]. - Operating income for the first half was 67.82 billion yuan, a year-on-year increase of 5.76%, and net profit attributable to shareholders exceeded 27 billion yuan, with a growth rate of 16.48% [1][4]. Asset Quality and Risk Management - The non-performing loan ratio decreased to 1.09%, down by 0.10 percentage points from the previous year, while the provision coverage ratio increased to 343.24%, up by 20.86 percentage points [6][9]. - The bank implemented a comprehensive risk management system, utilizing big data and AI to enhance risk identification and control [6][9]. Strategic Focus - Qilu Bank is committed to serving urban and rural residents, small and medium-sized enterprises, and local economic development, with significant growth in science and technology and green loans, which increased by 17.60% and 30.03% respectively [2][7][8]. - The bank plans to further enhance its green credit offerings and innovate product lines to support sustainable development [8][10]. Capital Strengthening - The conversion of approximately 79.93 billion yuan of convertible bonds into shares increased the bank's total share capital to 61.54 billion shares, significantly enhancing its capital strength [9]. - The core Tier 1 capital adequacy ratio is expected to rise to 11.62%, bolstering the bank's risk resilience and supporting its strategic business expansions [9]. Future Development Plans - The bank aims to align with national and provincial development plans, focusing on industry specialization, retail transformation, and digital empowerment to drive high-quality growth [10].

9月3日，齐鲁银行股份有限公司（以下简称"齐鲁银行"）召开半年度业绩说明会，公司党委书记、董事 长郑祖刚携多位高管出席，不仅深度解读了上半年经营细节，还就投资者关注的净息差、绿色金融、新 三年发展规划等进行了回应。 2025年上半年，齐鲁银行坚守市场定位，聚焦主责主业，坚持稳健审慎经营，持续优化业务结构，强化 风险防范处置，经营发展取得较好成效，交出了一份令人瞩目的业绩答卷。 规模与效益协同增长 经营韧性持续增强 2025年上半年，齐鲁银行资产规模实现稳步扩张，总资产较上年末增长8.96%，达7513.05亿元，贷款总 额增长10.16%，存款总额增长8.88%。在规模效应的带动下，盈利能力显著提升，实现营业收入67.82亿 元，同比增长5.76%；归属于上市公司股东的净利润27.34亿元，同比增长16.48%。 净息差企稳回升成为业绩亮点，也是此次公司半年度业绩说明会上投资者关注的焦点。齐鲁银行党委副 书记、副董事长、行长张华表示，报告期内，齐鲁银行持续优化资产负债配置和业务结构，加强负债成 本管控，自去年下半年起，净息差逐步企稳，今年上半年末净息差1.53%，较2024年回升2个基点，息 差管理成效显现。 ...

Group 1: Overall Asset Quality - As of August 31, 2023, the asset quality of 42 listed banks in A-shares shows a stable improvement, with some banks experiencing a slight increase in non-performing loan (NPL) ratios compared to the end of the previous year [1] - The overall NPL ratio for commercial banks was 1.49% at the end of Q2 2023, improving by 0.02 percentage points from the end of Q1 [3] - The provision coverage ratio for state-owned banks and rural commercial banks increased to 249.16% and 161.87%, respectively, while the ratios for joint-stock banks and city commercial banks decreased [4] Group 2: Non-Performing Loan Trends - The NPL ratio for corporate loans is improving, while the NPL ratio for retail loans is on the rise, indicating a structural change in asset quality [5][6] - For example, Industrial and Commercial Bank of China (ICBC) reported a decrease in corporate loan NPL ratio from 1.58% to 1.47%, while the personal loan NPL ratio increased from 1.15% to 1.35% [5] - The rise in retail loan NPLs is attributed to factors such as market conditions, increased flexible employment, and changes in industry environments affecting borrower income [6] Group 3: Real Estate Loan Performance - The real estate sector remains a significant source of NPLs, with some banks reporting an increase in real estate loan NPL ratios, while others have seen improvements [7][8] - For instance, Qingnong Commercial Bank's real estate NPL ratio rose to 21.32%, an increase of 14.15 percentage points from the end of the previous year [7] - The overall decline in real estate sales and the high leverage of real estate companies are fundamental reasons for the rising NPL ratios in this sector [8]

营收增速方面，上半年，烟台银行的表现也较为亮眼，营收同比增长17.35%，至16.64亿元，同比增幅最大。济宁银行的营收同比增幅仅次于烟台银行，潍坊银行与泰安银行的营收同比增速相 营收规模方面，6家银行的营业收入超过30亿元，按从高到低顺序，分别为青岛银行76.62亿元、齐鲁银行67.82亿元、威海银行50.56亿元、日照银行40.57亿元、潍坊银行38.4亿元、济宁银 净利润方面，上半年，青岛银行、齐鲁银行、威海银行分别实现净利润31.52亿元、27.27亿元、12.57亿元，青岛银行是上半年唯一一家净利润超过30亿元的山东城商行。 在净利增速方面，同期，临商银行、济宁银行、青岛银行、齐鲁银行、齐商银行、泰安银行净利润均实现两位数增长，增速最高的为临商银行，净利同比增幅达到19.03%。 存贷双增，业务动能充沛 今年上半年，已披露财报的十二家山东城商行，存贷款规模增速均较为亮眼，多数银行呈两位数增长。贷款规模方面，上半年，青岛银行、齐鲁银行发放贷款及垫款余额分别达到3592.16亿元和 同期，威海银行和日照银行贷款规模也超过2000亿元，上半年，两家银行发放贷款及垫款余额分别为2261.6亿元、2210.3 ...

Investment Rating - The report indicates a positive outlook for the banking industry, with overall revenue and net profit growth rates turning positive in the first half of 2025, at 1.0% and 0.8% respectively, showing improvements from the previous quarter [4]. Core Insights - The banking sector's net interest margin for the first half of 2025 is reported at 1.42%, a decrease of 10 basis points compared to the previous year, but the decline is narrowing due to improved cost management on the liability side [5]. - Non-interest income, particularly from fees and commissions, has increased by 3.1% year-on-year, driven by a recovery in wealth management and a more active market environment [5]. - The asset quality remains stable, with a non-performing loan ratio of 1.23% and a provision coverage ratio of 239%, indicating a solid credit environment [5]. Summary by Sections Financial Performance Overview - The overall revenue and net profit growth for listed banks in the first half of 2025 were 1.0% and 0.8%, respectively, with both metrics showing improvement from the first quarter [4][22]. - The total assets of listed banks reached 321.3 trillion yuan, growing by 6.35% year-to-date, with loans and advances totaling 179.4 trillion yuan, accounting for 55.84% of total assets [21][24]. Income Sources - Net interest income decreased by 1.3% year-on-year, but the decline rate has slowed, reflecting better management of funding costs [5]. - Fee and commission income grew by 3.1% year-on-year, benefiting from a recovering market and the gradual impact of regulatory changes [5]. - Other non-interest income saw a significant increase of 10.7%, primarily due to favorable market conditions in the bond market [5]. Asset Quality and Management - The non-performing loan ratio remained stable at 1.23%, with a provision coverage ratio of 239%, indicating a robust asset quality [5]. - The credit cost for the first half of 2025 was 0.81%, a decrease of 5 basis points year-on-year, suggesting manageable credit risks [5]. Loan Growth and Composition - Loan growth was primarily driven by corporate lending, with significant contributions from infrastructure and manufacturing sectors [20]. - Personal loan growth was weaker, with a year-on-year increase of only 3.6%, reflecting a cautious approach to consumer lending amid rising risks [20]. Investment and Market Conditions - The investment asset proportion decreased to 34% as banks adjusted their strategies in response to market volatility [20]. - The overall yield on bonds fluctuated significantly, prompting banks to engage in tactical trading to enhance returns [20].

经济观察网 中国货币网9月4日消息，齐鲁银行（601665）股份有限公司计划于2025年9月8日簿记发行 2025年科技创新债券。本期债券发行总额为人民币20亿元，期限为5年期。 经上海新世纪资信评估投资服务有限公司综合评定，发行人主体评级为AAA，本期债券评级为 AAAsti。 ...

9月4日，齐鲁银行盘中下跌2.11%，截至09:39，报5.57元/股，成交7329.93万元，换手率0.21%，总市值 342.77亿元。 责任编辑：小浪快报 齐鲁银行所属申万行业为：银行-城商行Ⅱ-城商行Ⅲ。所属概念板块包括：长期破净、破净股、低市盈 率、低价、价值成长等。 截至6月30日，齐鲁银行股东户数4.31万，较上期增加5.01%；人均流通股117988股，较上期增加 0.20%。2025年1月-6月，齐鲁银行实现营业收入0.00元；归母净利润27.34亿元，同比增长16.48%。 分红方面，齐鲁银行A股上市后累计派现48.72亿元。近三年，累计派现32.05亿元。 资金流向方面，主力资金净流出626.88万元，特大单买入0.00元，占比0.00%，卖出1284.80万元，占比 17.53%；大单买入1776.23万元，占比24.23%，卖出1118.31万元，占比15.26%。 齐鲁银行今年以来股价涨4.62%，近5个交易日跌1.24%，近20日跌10.02%，近60日跌15.09%。 资料显示，齐鲁银行股份有限公司位于山东省济南市历下区经十路10817号，成立日期1996年6月5日， 上市日期 ...

齐鲁银行是在2009年才更换为现在的名字，它之前叫济 南市商业银行。张华在齐鲁银行更名前就已进入该行任 职，当时他辞去山东银行学校的工作，进入济南市商业 银行历任开元支行行长、信贷管理部总经理、信贷审批 部总经理等职务。 在齐鲁银行更名前，张华就已成为该行的行长助理了。 此后他又顺利升为成为副行长，同时兼任聊城分行、青 岛分行的行长等。 值得一提的是，目前齐鲁银行的董事长郑祖刚在2023年4 月正式获批上任，他是从农行天津分行行长一职调任而 来的，现今53岁，还是比较年轻的。 运营商财经网 赵鑫雨/文 近日，多家银行发布了2025年半年度报告，备受关注。运营商财经网注意到，齐鲁银行在今年上半年的 业绩可圈可点，其归母净利润同比增幅达到了16.48%。但同时，该行现任行长张华年纪不小了，现已 满59岁了。 张华出生于1966年6月，由此推算他现在已满59岁了。回顾张华的过往经历发现，他是从齐鲁银行系统 内成长起来的老将了。 既然提到了齐鲁银行的业绩，那么便不得不提山东另一头部城商行青岛银行。对比两家银行的业绩发 现，齐鲁银行总资产实现反超，其资产总额7513.05亿元略高于青岛银行的7430.28亿元。 但是， ...

Core Viewpoint - Qilu Bank's management expressed concerns about the downward pressure on net interest margins while outlining plans for credit growth and increased dividend frequency [1][2][4]. Group 1: Net Interest Margin - As of mid-2023, Qilu Bank's net interest margin was 1.53%, an increase of 2 basis points year-on-year [2]. - The management attributed the improvement to optimized asset-liability management and cost control, but acknowledged ongoing downward pressure from factors like loan repricing and intensified competition [2][3]. - The bank plans to enhance market interest rate assessments and manage deposit costs to stabilize net interest margins [2]. Group 2: Credit Growth Strategy - Qilu Bank's total loans reached 371.41 billion yuan, a year-on-year increase of 10.16%, with corporate loans growing by 15.72% [3]. - The bank aims for balanced credit growth in 2023, focusing on corporate lending, particularly in advanced manufacturing, infrastructure, and green finance [3]. - Additionally, the bank will support consumer loans, aligning with national strategies to boost consumption [3]. Group 3: Dividend Policy - Qilu Bank plans to increase the frequency of dividends, moving from annual to semi-annual distributions [4]. - The bank's 2024 interim dividend proposal included a cash dividend of 1.27 yuan per share, totaling 614 million yuan, representing 27.57% of net profit [4]. - The management indicated that the board will determine the 2025 interim dividend based on regulatory requirements and overall financial health [4][5].