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].

Market Overview - On August 27, the city commercial bank sector fell by 1.48%, with Guiyang Bank leading the decline [1] - The Shanghai Composite Index closed at 3800.35, down 1.76%, while the Shenzhen Component Index closed at 12295.07, down 1.43% [1] Individual Stock Performance - Chengdu Bank closed at 18.04, up 1.01% with a trading volume of 527,700 shares and a transaction value of 958 million [1] - Guiyang Bank closed at 6.16, down 2.53% with a trading volume of 713,000 shares and a transaction value of 44.5 million [2] - Beijing Bank closed at 6.08, down 2.41% with a trading volume of 2,160,300 shares and a transaction value of 1.329 billion [2] - Jiangsu Bank had a closing price of 10.81, down 1.91% with a trading volume of 1,934,200 shares and a transaction value of 2.11 billion [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 911 million from institutional investors, while retail investors saw a net inflow of 502 million [2] - The table of capital flow indicates that Chongqing Bank had a net outflow of 36.1 million from institutional investors, while Chengdu Bank had a net inflow of 9.59 million [3] - The overall trend shows that institutional investors are withdrawing funds while retail investors are increasing their positions in certain banks [2][3]

Group 1 - A total of 170 stocks in the Shanghai and Shenzhen markets have experienced net financing inflows for five consecutive days or more as of August 26 [1] - The stocks with the longest consecutive net inflows are Qilu Bank and Guangzhou Development, both achieving 14 consecutive trading days of net inflows [1] - Other notable stocks with significant consecutive net inflows include Lingyi iTech, Zhongyan Technology, Hangjin Technology, Sichuan Changhong, Chengdi Xiangjiang, China Steel International, Meishuo Technology, and Jiu Gui Jiu [1]

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-058 齐鲁银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 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。 重要内容提示： ? 会议召开时间：2025 年 9 月 3 日（星期三）14:00-15:00 ? 会议召开地点：上证路演中心（网址：http://roadshow.sseinfo.com/） ? 会议召开方式：网络互动 ? 投资者可于 2025 年 9 月 2 日（星期二）16:00 前登录上证路演中心网站 首页点击"提问预征集"栏目或通过齐鲁银行股份有限公司（以下简称"公司"） 投资者沟通邮箱（ir@qlbchina.com）进行提问。公司将在业绩说明会上对投资者 普遍关注的问题进行回答。 一、说明会类型 公司拟于 2025 年 8 月 29 日在上海证券交易所网站（www.sse.com.cn）披露 状况，公司计划于 2025 年 9 月 3 日（星期三）14:00-15:00 举行 2025 年半年度 业绩说明会，针对 2025 年半 ...

齐鲁银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 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。 重要内容提示： 投资者可于 2025 年 9 月 2 日（星期二）16:00 前登录上证路演中心网站 首页点击"提问预征集"栏目或通过齐鲁银行股份有限公司（以下简称"公司"） 投资者沟通邮箱（ir@qlbchina.com）进行提问。公司将在业绩说明会上对投资者 普遍关注的问题进行回答。 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-058 一、说明会类型 公司拟于 2025 年 8 月 29 日在上海证券交易所网站（www.sse.com.cn）披露 2025 年半年度报告，为便于广大投资者更全面深入地了解公司经营成果、财务 状况，公司计划于 2025 年 9 月 3 日（星期三）14:00-15:00 举行 2025 年半年度 业绩说明会，针对 2025 年半年度业绩和经营情况与投资者进行互动交流和沟通， 就投资者关心的问题进行回答。 二、说明会召开的时间、地点 （一）会议召开时间：2025 ...

Market Overview - On August 26, the city commercial bank sector declined by 1.04%, with Guiyang Bank leading the drop [1] - The Shanghai Composite Index closed at 3868.38, down 0.39%, while the Shenzhen Component Index closed at 12473.17, up 0.26% [1] Individual Stock Performance - Guiyang Bank closed at 6.32, down 2.17%, with a trading volume of 746,000 shares and a transaction value of 472 million [2] - Jiangsu Bank closed at 11.02, down 0.45%, with a trading volume of 1.15 million shares and a transaction value of 1.27 billion [1] - Other notable declines include Ningbo Bank at 28.34 (-0.84%) and Beijing Bank at 6.23 (-1.11%) [1][2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 191 million from main funds, while speculative funds saw a net inflow of 331 million [2] - Retail investors had a net outflow of 140 million [2] Detailed Capital Flow for Selected Banks - Jiangsu Bank had a main fund net inflow of 44.99 million, while retail investors saw a net outflow of 50.90 million [3] - Chongqing Bank experienced a main fund net inflow of 25.15 million, with a significant retail outflow of 22.28 million [3] - Guiyang Bank had a main fund net inflow of 5.25 million but a retail outflow of 31.19 million [3]

Market Performance - On August 25, the city commercial bank sector rose by 0.63% compared to the previous trading day, with Ningbo Bank leading the gains [1] - The Shanghai Composite Index closed at 3883.56, up 1.51%, while the Shenzhen Component Index closed at 12441.07, up 2.26% [1] Individual Stock Performance - Ningbo Bank (002142) closed at 28.58, with a gain of 2.36% and a trading volume of 555,800 shares, amounting to a transaction value of 1.58 billion [1] - Other notable performers included Fengyang Bank (601997) with a 1.73% increase, Zhengzhou Bank (002936) up by 1.43%, and Beijing Bank (601169) rising by 1.29% [1] - Jiangsu Bank (616009) was the only stock in the city commercial bank sector to decline, falling by 0.72% [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 219 million in main funds, while retail investors saw a net inflow of 264 million [2] - The capital flow for individual stocks showed that Qilu Bank (601665) had a net inflow of 77.03 million from main funds, while Beijing Bank (601169) had a net inflow of 41.70 million [3] - Conversely, several banks like Qingdao Bank (002948) and Zhengzhou Bank (002936) experienced net outflows from main and speculative funds [3]