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]

Core Viewpoint - Qilu Bank reported a solid financial performance in the first half of 2025, with significant growth in both revenue and net profit, indicating a positive trend in its operational efficiency and profitability [1] Financial Performance - The bank achieved an operating income of 6.782 billion yuan, representing a year-on-year increase of 5.76% [1] - The net profit attributable to shareholders reached 2.734 billion yuan, showing a year-on-year growth of 16.48% [1] - As of the end of June, the total assets of the bank amounted to 751.305 billion yuan, which is an increase of 8.96% compared to the end of the previous year [1] Revenue Composition - The net interest income of the bank grew by 13.29% year-on-year [1] - The net income from fees and commissions increased by 13.64% year-on-year [1] - The net interest margin at the end of the first half was 1.53%, up by 2 basis points compared to the previous year [1]

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]

| 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 ...