Core Viewpoint - Qilu Bank has demonstrated robust growth in assets, loans, and deposits in the first half of 2025, with significant increases in operating income and net profit, while maintaining a declining non-performing loan ratio and improving provision coverage ratio, showcasing strong asset quality resilience [1][3][4]. Group 1: Financial Performance - As of June 30, 2025, Qilu Bank's total assets reached 751.305 billion yuan, an increase of 8.96% from the end of the previous year [2]. - The total loan amount was 371.410 billion yuan, growing by 10.16%, with corporate loans (excluding discounts) increasing by 15.72% to 278.061 billion yuan [2]. - Total deposits amounted to 478.571 billion yuan, up 8.88%, with corporate deposits growing by 8.49% and personal deposits by 9.27% [2]. - Operating income for the first half of 2025 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 [3]. - Net profit attributable to shareholders was 2.734 billion yuan, reflecting a growth of 16.48%, with basic earnings per share at 0.54 yuan, up 17.39% [3]. Group 2: Asset Quality and Risk Management - The non-performing loan ratio stood at 1.09%, down by 0.10 percentage points from the end of the previous year, while the provision coverage ratio improved to 343.24%, an increase of 20.86 percentage points [4]. - The bank has implemented a comprehensive risk management mechanism, focusing on proactive risk identification and classification, which has effectively reduced the migration rate of attention loans by 9.23 percentage points to 26.96% [5]. Group 3: Strategic Focus Areas - Qilu Bank has made significant strides in technology and green finance, with loans to technology enterprises increasing by 17.60% to 40.812 billion yuan, and green loans growing by 30.03% to 43.692 billion yuan [6]. - The bank has deepened its focus on rural finance, with county-level deposits rising by 11.67% to 150.101 billion yuan and loans increasing by 10.97% to 110.892 billion yuan [9][10]. - The successful conversion of approximately 7.99 billion yuan of convertible bonds into equity has strengthened the bank's capital base, enhancing its core tier one capital adequacy ratio to an estimated 11.62% [11]. Group 4: Retail and Wealth Management - Qilu Bank has emphasized retail banking, enhancing customer engagement through digital transformation and targeted marketing strategies, resulting in personal financial assets growing by 8.64% to 320.809 billion yuan [8]. - The bank has launched innovative wealth management products and improved service offerings for high-net-worth clients, contributing to a 12.75% increase in mid-to-high-end customer accounts [8].

"国有大行能成为中期分红主力，核心在于其雄厚的资本实力、稳定的盈利能力与充裕的现金流，这为 大规模分红提供了坚实基础。"苏商银行特约研究员武泽伟分析称，从实际经营情况来看，国有大行整 体面临的资本补充压力相对较小；同时，在监管鼓励银行通过分红提升股东回报的导向下，国有大行更 有条件积极推进分红计划，进而巩固市场信心与自身估值水平。 股份制银行中，已有中信银行（601998）、民生银行（600016）、平安银行（000001）、华夏银行 （600015）4家公布中期分红计划。其中，中信银行拟分红总额104.61亿元，每10股派1.88元，该行明确 表示，在去年实施中期分红的基础上，将着力推动中期分红常态化，拟将2025年中期分红比例提升至 30.7%，进一步提升投资者回报预期；民生银行延续2024年新增的中期分红节奏，拟在今年中期分红 59.54亿元、每10股派1.36元。平安银行、华夏银行的分红总额分别为45.80亿元、15.91亿元，每10股分 别派2.36元、1元。 城农商行阵营中，7家银行已官宣中期分红，包括宁波银行（002142）、上海银行（601229）、上海农 商行、长沙银行（601577）、张家 ...

齐鲁银行披露2025 年半年报，2025H1 营收、PPOP、归母利润同比增速分别为5.76%、6.00%、 16.48%，较25Q1 分别变动+1.04pct、+1.64pct、+0.02pct，公司前期公布了业绩快报（见《存贷高增， 资产质量继续改善》），市场对业绩双位数高增已有预期。从累计业绩驱动看，25H1 规模扩张、拨备 计提下降和有效税率下降形成主要正贡献；其他非息对业绩贡献为负。单季度边际来看，净息差对业绩 贡献明显提升，但其他非息业绩拖累加大。 核心观点： 亮点：（1）资负扩表继续提速。资产端，25Q2 末总资产同比增长16.02%，增速环比回升1.37pct，其 中贷款同比增长13.71%，增速环比回升1.11pct，个人贷款增长偏弱，按揭贷款规模压降较多。对公贷 款25Q2 末增速进一步提升至20.62%，基建、批发零售、制造业贷款增速均实现显著增长。另外，公司 投资类资产25Q2 末同比增长18.07%，Q2 主要增量来自AC，OCI 增量环比下降。 负债端，25Q2 末总负债同比增长16.17%，增速环比提升1.18pct，其中存款同比增长12.54%，增速环比 有所回落，公司加大了存 ...

中经记者 张漫游 北京报道 2025年上半年，城商银行成为上市银行盈利增长的"主力军"。如杭州银行实现归属于公司股东净利润 116.62亿元，同比增长16.66%。杭州银行方面称，2025年上半年，该行经营效益稳中向好，主要得益于 资产规模的稳定增长以及资产负债结构的持续优化。利息净收入是该行营业收入的主要组成部分，截至 2025年6月末，杭州银行资产负债规模稳健增长、结构继续优化，有效缓冲利差下行压力，实现利息净 收入130.90亿元，同比增加11.22亿元，增幅9.38%；利息净收入占营业收入比重为65.14%，占比较上年 同期提高3.26个百分点。 此外，江阴银行、齐鲁银行（601665.SH）、青岛银行（002948.SZ）净利润增速分别为16.63%、 16.48%、16.05%。 惠誉评级亚太区金融机构评级董事薛慧如认为，部分城商行上半年盈利增长较快主要得益于两方面原 因，一方面以量补价推动净利息收入降幅收窄，低基数和理财增长带动手续费及佣金收入回升；另一方 面，稳增长政策托底经济、高风险行业敞口有限以及近年来积极的不良处置推动信贷成本有所下降。 半年报显示，多家城商行实现两位数增长，如杭州银行（ ...

齐鲁银行股份有限公司 （股票代码：601665） 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实性、准确性、完 整性，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、本行于 2025 年 8 月 27 日召开第九届董事会第十六次会议，审议通过了 2025 年半年度报告及其 摘要。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。 三、本半年度报告未经审计，已经毕马威华振会计师事务所（特殊普通合伙）审阅并出具了审阅报 告。 四、本行法定代表人及董事长郑祖刚、行长张华、首席财务官高永生、财务部门负责人吕文珍保证 半年度报告中财务报告的真实、准确、完整。 五、根据 2024 年度股东大会授权，本行董事会将适时确定 2025 年中期利润分配相关事宜。 六、前瞻性陈述的风险声明 本半年度报告涉及未来计划、发展战略等前瞻性陈述，该计划不构成本行对投资者的实质承诺， 投资者及相关人士均应当对此保持足够的风险认识，并且应当理解计划、预测与承诺之间的差异。 七、本行不存在被控股股东及其他关联方非经营性占用资金的情况。 ...

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。 （三）关于变更注册资本的议案 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 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 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。 表决结果：同意 12 票，反对 0 票，弃权 0 票。 ...

Core Viewpoint - Qilu Bank has demonstrated solid financial performance in the first half of 2025, with significant growth in revenue, profit, and total assets, while maintaining a stable asset quality and improving operational efficiency [2][8]. Financial Performance - Total operating income for the first half of 2025 reached CNY 6,781.68 million, a year-on-year increase of 5.76% compared to CNY 6,412.22 million in the same period of 2024 [2][8]. - Total profit amounted to CNY 2,754.69 million, reflecting a 14.54% increase from CNY 2,405.01 million in the first half of 2024 [2][8]. - Net profit for the period was CNY 2,727.40 million, up 16.28% from CNY 2,345.62 million in the previous year [2][8]. Asset and Loan Growth - As of June 30, 2025, total assets reached CNY 751.31 billion, an increase of 8.96% from CNY 689.54 billion at the end of 2024 [3][8]. - Total loans amounted to CNY 371.41 billion, growing by 10.16% from CNY 337.14 billion at the end of 2024 [3][8]. - Corporate loans increased by 15.72% to CNY 278.06 billion, while personal loans decreased by 4.38% to CNY 82.63 billion [3][8]. Asset Quality - The non-performing loan (NPL) ratio improved to 1.09%, down from 1.19% at the end of 2024 [4][9]. - The provision coverage ratio increased to 343.24%, up from 322.38% at the end of 2024, indicating stronger risk management [4][9]. Operational Efficiency - The cost-to-income ratio improved to 24.90%, a decrease of 2.51 percentage points from the previous year [4][9]. - The net interest margin was reported at 1.53%, reflecting a slight increase from 1.51% in the previous year [4][9]. Capital Adequacy - As of June 30, 2025, the core tier 1 capital adequacy ratio was 10.46%, while the total capital adequacy ratio stood at 14.61% [5][6]. - The bank's total capital reached CNY 59.19 billion, an increase from CNY 56.58 billion at the end of 2024 [5][6]. Shareholder Information - As of the report date, the total number of ordinary shareholders was 43,118, with the largest shareholder being the Commonwealth Bank of Australia, holding 14.66% of the shares [10][11].

齐鲁银行股份有限公司 关于变更注册资本的公告 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-061 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 特此公告。 齐鲁银行股份有限公司董事会 鲁转债"，债券代码：113065），于 2025 年 8 月 14 日提前赎回"齐鲁转债"。自 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. ...

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。 一、监事离任的基本情况 齐鲁银行股份有限公司（以下简称"公司"）监事会于 2025 年 8 月 28 日收 到张晓艳女士辞呈。因工作变动原因，张晓艳女士申请辞去公司第九届监事会职 工监事及监事会监督委员会委员职务。 是否存在 是否继续在上 原定任期到 未履行完 姓名 离任职务 离任时间 离任原因 市公司及其控 期日 毕的公开 股子公司任职 承诺 职工监事、 张晓艳 监事会监督 工作变动 否 否 月 28 日 10 日 委员会委员 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。 齐鲁银行股份有限公司监事会 ...

Investment Rating - The report maintains a strong recommendation for the company, suggesting active attention due to its solid fundamentals and strong growth potential [4]. Core Views - The company has shown significant growth in total assets, with a year-on-year increase of 16.02% as of Q2 2025, driven by a 20.62% increase in corporate loans and an 18.07% increase in investment assets [2]. - The net interest margin has improved to 1.53%, which is a 2 basis points increase compared to the previous year, indicating a positive trend despite a challenging interest rate environment [2]. - The non-performing loan ratio has decreased to 1.09%, with a provision coverage ratio rising to 343.24%, reflecting improved asset quality [2]. - The company has experienced a 13.64% year-on-year increase in net fee and commission income, outperforming peers in this area [2]. Summary by Sections 1. Performance - In H1 2025, the company reported revenue growth of 5.76%, pre-provision operating profit (PPOP) growth of 6.00%, and net profit growth of 16.48% [1][4]. - The growth in net profit is supported by a decrease in provision expenses and an effective tax rate [1]. 2. Non-Interest Income - The company faced a decline in other non-interest income, with a year-on-year decrease of 24.25% in H1 2025, despite strong growth in net fees and commissions [3][30]. 3. Interest Margin and Asset-Liability Management - The net interest margin has shown resilience, increasing to 1.53% in H1 2025, while the cost of interest-bearing liabilities has improved significantly [2][12]. - The company has effectively managed its funding costs, with a notable reduction in the cost of deposits and bonds issued [2]. 4. Asset Quality - The non-performing loan ratio has decreased to 1.09%, with a significant drop in non-performing loans by 1.23 million yuan [2][12]. - The provision coverage ratio has improved to 343.24%, indicating a strong buffer against potential loan losses [2]. 5. Capital and Shareholders - The company has completed the conversion of 8 billion yuan in convertible bonds, further strengthening its capital base [4]. - The major shareholder is the Commonwealth Bank of Australia, holding a 14.66% stake [4].