Core Points - The announcement details the redemption and delisting of "Qilu Convertible Bonds" (齐鲁转债) by Qilu Bank, with the last trading day set for August 8, 2025 [2][17] - The last conversion date for the bonds is August 13, 2025, after which the bonds will be delisted from the Shanghai Stock Exchange [3][18] - The redemption price is set at RMB 100.7068 per bond, which includes accrued interest [11][12] Redemption Details - The redemption will occur on August 14, 2025, with the redemption registration date being August 13, 2025 [7][16] - Investors can either convert their bonds at a price of RMB 5.00 per share or redeem them at the face value plus accrued interest [4][12] - The accrued interest is calculated based on a formula that considers the bond's face value, interest rate, and the number of days since the last interest payment [9][12] Conditions for Redemption - The conditional redemption clause was triggered as the stock price of Qilu Bank exceeded 130% of the conversion price for 15 trading days [6][10] - If the total amount of unconverted bonds is less than RMB 30 million, the company has the right to redeem all unconverted bonds at face value plus accrued interest [8][10] Investor Guidance - Investors are advised to act within the specified time frame to avoid forced redemption, which could lead to significant investment losses [5][21] - The last trading day and last conversion day are critical deadlines for bondholders to consider [17][20] - The company will provide further announcements regarding the redemption process and its implications [15][21]

Core Viewpoint - The banking sector is experiencing positive momentum, driven by favorable policies and strong performance from key banks, leading to increased investor interest in bank ETFs and individual bank stocks [1][4][6]. Banking Sector Performance - The Shanghai Composite Index opened lower but quickly turned positive, with significant contributions from the banking sector, particularly the bank ETF (512800), which saw a price increase of over 1% at one point and closed up by 0.59% with a trading volume of 1.191 billion yuan [1]. - Major banks such as Agricultural Bank of China and Qingdao Bank reached new highs, with Qingdao Bank's stock rising over 4% during the day [1][3]. Policy Environment - The People's Bank of China recently maintained a stance of "moderately loose monetary policy" and "ample liquidity," which is expected to benefit banks significantly [3]. - The government’s fiscal policies are anticipated to boost financing demand, supporting stable credit growth from banks [4]. Financial Performance of Banks - Several listed banks have reported positive earnings for the first half of the year, with all five banks mentioned achieving positive growth in net profit, and four of them recording double-digit growth [4][5]. - The overall asset quality of the banking sector remains stable, with expectations for continued profit growth due to effective management of interest margins and credit quality [5][6]. Investment Trends - Institutional investors are increasingly favoring bank stocks due to their stable dividends and solid performance, with significant net inflows into bank ETFs recently [6][8]. - The bank ETF (512800) has become the largest and most liquid among its peers, with a fund size exceeding 14.4 billion yuan and an average daily trading volume of 567 million yuan this year [8].

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-049 可转债代码：113065 可转债简称：齐鲁转债 齐鲁银行股份有限公司 关于实施"齐鲁转债"赎回暨摘牌的 第十六次提示性公告 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： 截至 2025 年 8 月 4 日收市后，距离 2025 年 8 月 8 日（"齐鲁转债"最后交 易日）仅剩 4 个交易日，2025 年 8 月 8 日为"齐鲁转债"最后一个交易日。 最后转股日：2025 年 8 月 13 日 截至 2025 年 8 月 4 日收市后，距离 2025 年 8 月 13 日（"齐鲁转债"最后 转股日）仅剩 7 个交易日，2025 年 8 月 13 日为"齐鲁转债"最后一个转股日。 本次提前赎回完成后，"齐鲁转债"将自 2025 年 8 月 14 日起在上海证 券交易所摘牌。 投资者所持"齐鲁转债"除在规定时限内通过二级市场继续交易或按 5.00 元/股的转股价格进行转股外，仅能选择以 100 元/张的票面价格加当期应计利息 （合计人民币 1 ...

Core Viewpoint - The A-share banking sector has shown positive mid-year performance for 2025, with several banks reporting significant growth in both operating income and net profit, indicating a robust financial environment [1][2]. Group 1: Performance of Listed Banks - Five listed banks have reported positive growth in operating income and net profit for the first half of 2025, with four banks achieving double-digit growth in net profit [1][2]. - Notable performances include Hangzhou Bank with a net profit growth of 16.67% and Changshu Bank with an operating income growth of 10.10% [2][3]. - Ningbo Bank leads with an operating income of 371.60 billion yuan and a net profit of 147.72 billion yuan [2][3]. Group 2: Asset Quality and Capital Adequacy - As of June 2025, all five banks reported positive growth in total assets, with Ningbo Bank's total assets reaching 3.47 trillion yuan, a year-on-year increase of 11.04% [2][3]. - The non-performing loan (NPL) ratios for the banks remained stable or slightly decreased, with Hangzhou Bank maintaining the highest provision coverage ratio at 520.89% despite a year-on-year decline of 20.56 percentage points [5][6]. - Capital adequacy ratios for Ningbo Bank and Hangzhou Bank improved, with Ningbo Bank's capital adequacy ratio at 15.21% and core Tier 1 capital ratio at 9.65% [6][7]. Group 3: Non-Listed Banks Performance - Non-listed banks, including Chengdu Rural Commercial Bank, have also reported positive results, with Chengdu Rural Commercial Bank achieving an operating income of 95.37 billion yuan and a net profit of 42.31 billion yuan, both showing year-on-year growth [8][9]. - Other non-listed banks such as Tai Long Bank and Qin Nong Bank reported declines in net profit, indicating mixed performance across the sector [10]. Group 4: Future Outlook - Hangzhou Bank anticipates a better overall decline in interest margins for 2025 due to rapidly decreasing external funding costs and ongoing business structure optimization [5]. - Both Ningbo Bank and Hangzhou Bank expressed confidence in maintaining stable asset quality despite potential risks in small and micro loans [7].

Core Points - The company has announced the early redemption of "Qilu Convertible Bonds" due to the triggering of conditional redemption clauses as the stock price has met the required threshold [5][8] - The last trading day for "Qilu Convertible Bonds" is August 8, 2025, and the last conversion day is August 13, 2025 [6][17] - The redemption price is set at RMB 100.7068 per bond, which includes accrued interest [10][13] Redemption Details - The redemption will occur on August 14, 2025, and all unconverted bonds will be redeemed at the face value plus accrued interest [3][16] - The accrued interest is calculated based on a formula that considers the bond's face value, interest rate, and the number of days since the last interest payment [11][12] - Investors are advised to convert or sell their bonds before the last trading day to avoid forced redemption [4][20] Important Dates - Redemption registration date is August 13, 2025 [9][6] - The bonds will be delisted from the Shanghai Stock Exchange on August 14, 2025, after the redemption [18] Tax Implications - Individual investors are subject to a 20% tax on interest income, affecting the net redemption amount [19] - Non-resident investors may benefit from tax exemptions on interest income until December 31, 2025 [19]

Core Points - The announcement details the redemption and delisting of "Qilu Convertible Bonds" (齐鲁转债) by Qilu Bank, with the last trading day set for August 8, 2025 [2][4][15] - The final conversion date for the bonds is August 13, 2025, after which the bonds will be delisted from the Shanghai Stock Exchange [3][15] Redemption Details - The redemption price is set at RMB 100.7068 per bond, which includes accrued interest of RMB 0.7068 [4][10] - The redemption registration date is August 13, 2025, and the redemption payment date is August 14, 2025 [9][13] - Investors must either convert their bonds at a price of RMB 5.00 per share or sell them in the secondary market before the last trading day to avoid forced redemption [4][5][18] Conditions for Redemption - The conditional redemption clause was triggered as Qilu Bank's stock price was above 130% of the conversion price for at least 15 trading days [6][8] - The bonds will be forcibly redeemed if not converted or sold by the specified dates, which may lead to significant investment losses for holders [4][18] Tax Implications - Individual investors are subject to a 20% tax on interest income from the bonds, affecting the net redemption amount [16] - Non-resident enterprises are exempt from certain taxes on interest income until December 31, 2025 [16]

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-048 可转债代码：113065 可转债简称：齐鲁转债 齐鲁银行股份有限公司 关于实施"齐鲁转债"赎回暨摘牌的 第十五次提示性公告 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： ? 赎回登记日：2025 年 8 月 13 日 盘价不低于"齐鲁转债"当期转股价格（自 2025 年 6 月 12 日起转股价格由 5.14 元/股调整为 5.00 元/股）的 130%（含 130%），已触发"齐鲁转债"的有条件赎 回条款。 ? 最后交易日：2025 年 8 月 8 日 截至 2025 年 8 月 1 日收市后，距离 2025 年 8 月 8 日（"齐鲁转债"最后交 易日）仅剩 5 个交易日，2025 年 8 月 8 日为"齐鲁转债"最后一个交易日。 ? 最后转股日：2025 年 8 月 13 日 截至 2025 年 8 月 1 日收市后，距离 2025 年 8 月 13 日（"齐鲁转债"最后 转股日）仅剩 8 个交易日，2025 年 8 月 13 日为 ...

齐鲁银行贷款增速超过10%，截至上半年末，该行资产总额7513.05亿元，较上年末增加617.66亿元，增 长8.96%；贷款总额3714.1亿元，较上年末增加342.68亿元，增长10.16%；存款总额4785.71亿元，较上 年末增加390.3亿元，增长8.88%。 上市银行陆续披露业绩快报，5家城农商行上半年业绩率先出炉。 截至7月31日，已有青岛银行、齐鲁银行、宁波银行、杭州银行及常熟银行5家A股上市城农商行发布业 绩快报，上半年营业收入、归母净利润双双正增长，资产质量指标保持稳定。 据梳理，在已披露业绩快报的5家上市银行中，4家归母净利润实现两位数增长，3家同比增速超16%。 2025年上半年，杭州银行、青岛银行、齐鲁银行分别实现归母净利润116.62亿元、30.65亿元、27.34亿 元，同比增长16.67%、16.05%、16.48%。常熟银行实现归属于本行普通股股东的净利润19.69亿元，同 比增长13.55%；宁波银行归母净利润为147.72亿元，较上年同期增长8.23%。 在营业收入增速方面，仅常熟银行达到10%，其余均维持在个位数增长。据常熟银行披露，该行聚焦主 责主业，资产负债双向发力 ...

重要内容提示： 截至 2025 年 8 月 1 日收市后，距离 2025 年 8 月 8 日（"齐鲁转债"最后交 易日）仅剩 5 个交易日，2025 年 8 月 8 日为"齐鲁转债"最后一个交易日。 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-048 可转债代码：113065 可转债简称：齐鲁转债 齐鲁银行股份有限公司 关于实施"齐鲁转债"赎回暨摘牌的 第十五次提示性公告 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。 最后转股日：2025 年 8 月 13 日 截至 2025 年 8 月 1 日收市后，距离 2025 年 8 月 13 日（"齐鲁转债"最后 转股日）仅剩 8 个交易日，2025 年 8 月 13 日为"齐鲁转债"最后一个转股日。 本次提前赎回完成后，"齐鲁转债"将自 2025 年 8 月 14 日起在上海证 券交易所摘牌。 赎回登记日：2025 年 8 月 13 日 赎回价格：100.7068 元/张 赎回款发放日：2025 年 8 月 14 日 最后交易日：2025 年 8 月 8 日 ...

证券之星消息，8月1日城商行板块较上一交易日上涨1.08%，宁波银行领涨。当日上证指数报收于 3559.95，下跌0.37%。深证成指报收于10991.32，下跌0.17%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 002142 | 宁波银行 | 28.48 | 2.19% | 40.15万 | | 11.38亿 | | 6000000 | 南京银行 | 11.68 | 1.74% | 53.44万 | | 6.19亿 | | 601838 | 成都银行 | 18.72 | 1.35% | 29.71万 | | 5.51亿 | | 600926 | 杭州银行 | 16.26 | 1.31% | 57.32万 | | 9.26亿 | | 002948 | 青岛银行 | 4.81 | 1.26% | 90.82万 | | 4.45 乙 | | 616009 | 江苏银行 | 11.44 | 1.24% | 129.60万 | | 14.71亿 | | ...