Core Viewpoint - Several banks in China have recently received approval for capital increases, indicating a trend towards strengthening their capital bases in response to regulatory requirements and economic conditions [1][2]. Group 1: Recent Capital Increases - Urumqi Bank has been approved to increase its registered capital from 4 billion to 4.62 billion yuan, a rise of 620 million yuan [1]. - Hengshui Bank's registered capital will increase from 8.818 billion to 9.418 billion yuan, an increase of 600 million yuan [1]. - Qilu Bank's capital will change from approximately 4.708 billion to about 6.154 billion yuan, marking an increase of around 1.446 billion yuan [1]. - Zhejiang Mintai Commercial Bank has raised its registered capital from approximately 5.1 billion to about 5.3 billion yuan [1]. - Hunan Bank has received approval to issue up to 1 billion shares to specific investors, marking a significant step in its capital expansion efforts [1]. Group 2: Reasons for Capital Increases - The capital increases are strategic moves by banks to enhance their capital adequacy levels, optimize capital structures, and improve risk resilience amid a complex economic environment [2]. - Increased capital demand is driven by prior credit disbursements that have consumed capital, necessitating banks to bolster their risk absorption capabilities for future strategic initiatives [2]. - Regulatory scrutiny on capital adequacy ratios has intensified, prompting banks to seek additional capital [2]. - Shareholders, particularly major stakeholders, are also contributing to capital increases to strengthen the banks' growth potential [2]. Group 3: Overall Capital Adequacy Trends - The overall capital adequacy ratios of commercial banks in China have shown an upward trend this year, with core Tier 1 capital adequacy ratios rising from 10.70% at the end of Q1 to 10.93% at the end of Q2 [3]. - The capital adequacy ratios for different types of banks, including large commercial banks and rural commercial banks, have also improved during the same period [3]. - Factors contributing to the rise in capital adequacy ratios include the issuance of special government bonds to support large banks, capital replenishment efforts by smaller banks, and the use of various market-based capital-raising tools by commercial banks [3]. Group 4: Suggestions for Capital Supplementation - There is a call for small and medium-sized banks to explore additional capital supplementation channels, including encouraging private capital investments [4]. - The introduction of domestic and foreign strategic investors is recommended to enhance the capital base of city commercial banks and rural commercial banks [4]. - Large banks and internet platforms are encouraged to subscribe to perpetual bonds issued by smaller banks, which could improve internal management and risk control capabilities [4].

Core Viewpoint - The company reported solid financial performance for the third quarter of 2025, with significant growth in assets, loans, and net profit, indicating a stable operational environment and effective management strategies [5][6]. Financial Performance - Total assets reached 778.703 billion RMB, an increase of 89.164 billion RMB, or 12.93%, compared to the end of the previous year [6]. - Total loans amounted to 383.007 billion RMB, up by 45.865 billion RMB, or 13.60%, representing 49.19% of total assets, an increase of 0.29 percentage points [6]. - Total liabilities were 725.944 billion RMB, increasing by 84.740 billion RMB, or 13.22% [6]. - Total deposits reached 485.023 billion RMB, an increase of 45.482 billion RMB, or 10.35% [6]. - Operating income for the first three quarters was 9.924 billion RMB, a year-on-year increase of 4.63% [6]. - Net interest income was 7.765 billion RMB, up 17.31% year-on-year, with a net interest margin of 1.54%, an increase of 3 basis points [6]. - Net profit for the period was 3.975 billion RMB, reflecting a year-on-year growth of 16.14% [6]. - Basic earnings per share were 0.72 RMB, a 9.09% increase year-on-year [6]. Asset Quality - The non-performing loan ratio was 1.09%, a decrease of 0.10 percentage points from the end of the previous year [6]. - The proportion of loans under special attention was 0.96%, down by 0.11 percentage points [6]. - The provision coverage ratio improved to 351.43%, an increase of 29.05 percentage points [6]. Corporate Governance - The board of directors and senior management confirmed the accuracy and completeness of the quarterly report, taking legal responsibility for its content [2][3]. - The third quarter report was approved during the 18th meeting of the 9th board of directors held on October 30, 2025 [2][25].

Core Insights - Qilu Bank reported a revenue of 9.924 billion yuan for the first three quarters of 2025, representing a year-on-year increase of 4.63% [1] - The net profit attributable to shareholders reached 3.963 billion yuan, up 15.14% year-on-year, while the net profit excluding non-recurring items was 3.895 billion yuan, reflecting a 15.75% increase [1] - Basic earnings per share stood at 0.72 yuan [1] Financial Metrics - The bank's basic earnings per share for the reporting period was 0.72 yuan, with a weighted average return on equity of 8.80% [2] - As of October 30, the price-to-earnings ratio (TTM) was approximately 6.73 times, the price-to-book ratio (LF) was about 0.72 times, and the price-to-sales ratio (TTM) was around 2.81 times [2] - The gross profit margin for the first three quarters was 40.22%, an increase of 3.38 percentage points year-on-year, while the net profit margin was 40.06%, up 3.97 percentage points compared to the same period last year [2] Shareholder Information - As of the end of Q3 2025, the total number of shareholders was 56,100, an increase of 13,000 from the end of the first half of the year, marking a growth of 30.16% [2] - The average market value of shares held per shareholder decreased from 745,700 yuan at the end of the first half to 629,400 yuan, a decline of 15.60% [2] Business Overview - Qilu Bank, established on June 5, 1996, and listed on June 18, 2021, is located in Jinan, Shandong Province [2] - The bank's main business segments include corporate banking (59.83%), personal banking (22.81%), and fund operations (16.05%), with other services accounting for 1.31% [2] - The bank is classified under the banking sector as a city commercial bank and is associated with concepts such as undervalued stocks, low P/E ratios, and share buybacks [2]

Core Viewpoint - Qilu Bank reported a year-on-year increase in operating income and net profit for the first three quarters of 2025, indicating stable financial performance and growth potential [1] Financial Performance - The bank achieved operating income of 9.924 billion yuan, representing a year-on-year growth of 4.63% [1] - The net profit attributable to shareholders was 3.963 billion yuan, showing a year-on-year increase of 15.14% [1] Asset and Loan Quality - As of the end of September, the total assets of Qilu Bank reached 778.703 billion yuan, an increase of 89.164 billion yuan from the end of the previous year, reflecting a growth of 12.93% [1] - The non-performing loan ratio stood at 1.09%, a decrease of 0.10 percentage points compared to the end of the previous year, indicating improved asset quality [1]

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 股份有限公司 2025 年第三季度报告》。 经审核，监事会认为公司 2025 年第三季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 5 票，反对 0 票，弃权 0 票。 第九届监事会第十三次会议决议公告 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"）第九届监事会第十三次会议通 知于 2025 年 10 月 20 日以电子邮件方式发出，会议于 2025 年 10 月 30 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 5 名，实际出席监事 5 名。经半数以上监事共同推举，会议由孙建波监事主持。 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 2025 年第三季度报告。 ...

Group 1 - Qilu Bank held its 18th meeting of the 9th Board of Directors on October 30, 2025, in Jinan, where it reviewed the proposal to adjust the limit for Jinan Industrial Investment Holding Group [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 36.2 billion yuan [1]

Group 1 - Qilu Bank reported a revenue of approximately 9.924 billion yuan for the first three quarters of 2025, representing a year-on-year increase of 4.63% [1] - The net profit attributable to shareholders of the listed company was approximately 3.963 billion yuan, showing a year-on-year increase of 15.14% [1] - Basic earnings per share reached 0.72 yuan, reflecting a year-on-year increase of 9.09% [1] Group 2 - As of the report date, Qilu Bank's market capitalization stood at 36.2 billion yuan [2]

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-074 （二）关于修订《齐鲁银行股份有限公司市场风险管理办法》的议案 表决结果：同意 12 票，反对 0 票，弃权 0 票。 （三）关于修订《齐鲁银行股份有限公司业务连续性管理政策与程序》的 议案 表决结果：同意 12 票，反对 0 票，弃权 0 票。 （四）《齐鲁银行股份有限公司合规管理办法》 齐鲁银行股份有限公司 第九届董事会第十八次会议决议公告 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"）第九届董事会第十八次会议通 知于 2025 年 10 月 20 日以电子邮件方式发出，会议于 2025 年 10 月 30 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 11 名，吴睿智董事因工作原因委托赵治国董事代为出席 并表决，布若非（Michael Charles Blomfield）董事因工作原因委托郝艳艳董事代 为出席并表决。公司股东重庆华宇集团有限 ...

Financial Performance - Net profit for the third quarter was RMB 1.25 billion, reflecting a year-on-year increase of 15.85%[3] - Operating income for the third quarter was RMB 3.14 billion, up 2.27% from the same period last year[3] - Total revenue for the first three quarters of 2025 reached CNY 9,923,909, an increase of 4.6% compared to CNY 9,484,825 in the same period of 2024[32] - The net profit for the first three quarters of 2025 was CNY 3,975,265, representing a 16.2% increase from CNY 3,422,764 in the same period of 2024[32] - Net profit for the first three quarters of 2025 was RMB 3,922,169, representing a 15.7% increase from RMB 3,387,774 in 2024[38] Asset and Liability Management - Total assets reached RMB 778.70 billion, an increase of 12.93% compared to the end of the previous year[12] - Total liabilities increased to CNY 725,944,129, up 13.2% from CNY 641,204,233 at the end of 2024[31] - The total assets of the company as of September 30, 2025, amounted to CNY 766,974,051, an increase of 13.7% from CNY 674,467,316 at the end of 2024[36] - The total liabilities of the company as of September 30, 2025, were CNY 715,008,927, an increase from CNY 626,995,695 at the end of 2024, representing a growth of 14.0%[37] Loan and Deposit Growth - Total loans amounted to RMB 383.01 billion, growing by 13.60% year-on-year[12] - The total deposits reached RMB 485.02 billion, an increase of 10.35% from the previous year[12] - Customer deposits reached CNY 482,620,035 as of September 30, 2025, up from CNY 435,376,342 at the end of 2024, indicating an increase of 10.8%[37] - The company's net increase in customer loans and advances for the first three quarters of 2025 was CNY 46,497,901, compared to CNY 33,445,600 in the same period of 2024, representing a growth of 39.0%[34] Risk Management - The non-performing loan ratio improved to 1.09%, a decrease of 0.10 percentage points from the end of the previous year[13] - Non-performing loans amounted to CNY 4,171,216, representing 1.09% of total loans, a slight improvement from 1.19% last year[22] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies[32] - The provision coverage ratio increased to 351.43%, up by 29.05 percentage points year-on-year[13] Capital Adequacy - Core Tier 1 capital increased to CNY 48,162,148, up CNY 8,050,900 from the previous year[15] - The Core Tier 1 capital adequacy ratio improved to 11.49%, up 0.74 percentage points from the previous year[15] - The bank's capital adequacy ratio improved to 13.5%, up from 12.8% at the end of 2024, reflecting a stronger capital position[31] - The bank's leverage ratio was reported at 5.94%, indicating a stable capital structure[18] Cash Flow and Investment - Net cash flow from operating activities for the year-to-date was RMB 24.96 billion, a significant increase of 52.21% compared to the previous year[9] - Net cash flow from operating activities for the first three quarters of 2025 reached CNY 24,964,453, an increase of 52.4% compared to CNY 16,400,989 in the same period of 2024[34] - The net cash flow from operating activities increased to RMB 23,661,283, compared to RMB 17,994,131 in the previous year, marking a growth of 31.1%[40] - The company reported a total comprehensive income of RMB 1,988,886 for the first three quarters of 2025, down from RMB 4,207,415 in 2024[39] Investment Activities - Total cash inflow from investment activities decreased to CNY 102,976,690 in 2025 from CNY 118,497,390 in 2024, reflecting a decline of 13.1%[35] - The company's net cash flow from investment activities was negative at CNY -37,573,829 for the first three quarters of 2025, worsening from CNY -30,859,171 in the same period of 2024[35] - The net cash outflow from investing activities was RMB 35,576,789, compared to RMB 30,850,571 in the previous year, indicating increased investment activity[40] Future Outlook - The bank plans to expand its market presence through strategic partnerships and technology investments in the coming quarters[32]

Core Viewpoint - The city commercial bank sector experienced a decline of 2.43% on October 29, with Chengdu Bank leading the drop, while the overall stock market indices showed an increase [1][2]. Market Performance - The Shanghai Composite Index closed at 4016.33, up 0.7% - The Shenzhen Component Index closed at 13691.38, up 1.95% [1]. Individual Stock Performance - Chengdu Bank saw a significant decline of 5.74%, closing at 17.07 - Other notable declines included Xiamen Bank (-4.90%), Jiangsu Bank (-3.84%), and Qingdao Bank (-3.66%) [2]. - Chongqing Bank was one of the few gainers, with a slight increase of 0.84%, closing at 10.76 [1]. Trading Volume and Turnover - Chengdu Bank had a trading volume of 1.298 million shares, with a turnover of 22.27 million yuan - Jiangsu Bank had a trading volume of 2.039 million shares, with a turnover of 2.164 billion yuan [2]. Capital Flow Analysis - The city commercial bank sector saw a net outflow of 742 million yuan from institutional investors, while retail investors contributed a net inflow of 410 million yuan [2]. - The data indicates that speculative funds had a net inflow of 331 million yuan [2]. Individual Stock Capital Flow - Qingdao Bank had a net inflow of 61.11 million yuan from institutional investors, while it experienced a net outflow of 59.42 million yuan from speculative funds [3]. - Nanjing Bank also saw a net inflow of 43.97 million yuan from institutional investors, but a net outflow of 34.08 million yuan from speculative funds [3].