Financial Performance - Total revenue for Q1 2023 reached RMB 2,863,803,000, an increase of 8.72% year-on-year[4] - Net profit for the quarter was RMB 1,021,617,000, reflecting a growth of 12.24% compared to the same period last year[4] - Total operating income for Q1 2023 was CNY 2,863,803 thousand, an increase of 8.7% compared to CNY 2,634,076 thousand in Q1 2022[26] - Net profit for Q1 2023 reached CNY 1,021,617 thousand, representing a 12.2% increase from CNY 910,184 thousand in the same period last year[26] - Net profit for Q1 2023 reached CNY 990,995 thousand, representing a 12.9% increase compared to CNY 877,308 thousand in Q1 2022[33] - The bank's total profit for Q1 2023 was CNY 1,052,866 thousand, up from CNY 978,004 thousand in Q1 2022, reflecting a growth of 7.6%[33] Assets and Liabilities - The total assets of the bank at the end of the quarter were RMB 529,015,457,000, up 4.55% from the end of the previous year[8] - Total assets as of March 31, 2023, amounted to CNY 529,015,457 thousand, up from CNY 506,013,306 thousand at the end of 2022, reflecting a growth of 4.5%[22][23] - The bank's total liabilities increased to CNY 492,426,002 thousand, up from CNY 470,424,121 thousand at the end of 2022, indicating a growth of 4.7%[23] - The bank's total liabilities increased to CNY 481,781,706 as of March 31, 2023, compared to CNY 460,776,859 at the end of 2022, representing an increase of approximately 4.6%[31] Customer Deposits and Loans - Customer deposits totaled RMB 376,898,092,000, up 7.79% from the previous year-end[9] - Customer deposits increased to CNY 384,782,554 thousand, a rise of 7.7% from CNY 357,426,230 thousand at the end of 2022[23] - The loan total increased to RMB 274,251,157,000, marking a growth of 6.60% year-on-year[8] - The bank's net increase in customer loans and advances was CNY 17,272,129 in Q1 2023, compared to CNY 16,259,151 in Q1 2022, reflecting a growth of about 6.2%[28] Profitability Ratios - The weighted average return on equity (annualized) was 12.12%, an increase of 0.58 percentage points year-on-year[7] - The bank's basic earnings per share rose to RMB 0.20, reflecting a year-on-year increase of 17.65%[4] - Earnings per share for Q1 2023 were CNY 0.20, up from CNY 0.17 in Q1 2022[27] Non-Performing Loans - The non-performing loan ratio improved to 1.28%, a decrease of 0.01 percentage points from the previous year-end[10] - The total amount of non-performing loans is CNY 3,504,337, accounting for 1.28% of total loans as of March 31, 2023[16] - The bank's non-performing loan ratio remained stable, with credit impairment losses recorded at CNY 955,655 thousand, compared to CNY 858,816 thousand in Q1 2022[26] Cash Flow - The net cash flow from operating activities surged to RMB 11,401,642,000, a significant increase of 375.99% compared to the same period last year[6] - Net cash flow from operating activities for Q1 2023 was CNY 11,401,642, a significant increase from CNY 2,395,349 in Q1 2022, representing a growth of approximately 376%[28] - The net cash flow from investing activities for Q1 2023 was -CNY 5,471,807, an improvement from -CNY 10,087,095 in Q1 2022[29] - Investment activities resulted in a net cash outflow of CNY -5,468,019 thousand, an improvement from CNY -10,083,181 thousand in the previous year[37] Capital and Ratios - The capital adequacy ratio remained strong, with core tier one capital reaching RMB 30,972,174,000, an increase of RMB 1,012,557,000 from the previous year-end[11] - The net primary capital as of March 31, 2023, is CNY 35,975,876, an increase of CNY 1,001,836 from December 31, 2022[12] - The leverage ratio stands at 5.86% as of March 31, 2023, slightly down from 5.88% at the end of 2022[13] - The net stable funding ratio is 151.81% as of March 31, 2023, compared to 149.08% at the end of 2022[14] - The liquidity coverage ratio is 218.08% as of March 31, 2023, down from 277.77% at the end of 2022[15] Other Comprehensive Income - Other comprehensive income after tax for Q1 2023 was CNY 98,653 thousand, a significant improvement from a loss of CNY 136,319 thousand in Q1 2022[27] - The bank reported a significant increase in other comprehensive income, with a net amount of CNY 98,653 thousand compared to a loss of CNY -136,319 thousand in the previous year[35] Shareholder Information - The total number of shareholders is 74,302, with the largest shareholder being Commonwealth Bank of Australia, holding 741,374,358 shares (16.18%) as of the report date[18] Convertible Bonds - The company has adjusted the conversion price of its convertible bonds to CNY 5.68 per share, effective from February 6, 2023[21]

Financial Performance - The total operating income for 2022 was CNY 11,063,702 thousand, representing an increase of 8.82% compared to 2021[22]. - The net profit for 2022 reached CNY 3,630,907 thousand, reflecting an 18.18% growth year-over-year[22]. - The total assets at the end of 2022 amounted to CNY 506,013,306 thousand, a 16.75% increase from the previous year[22]. - The total loans increased to CNY 257,261,568 thousand, marking an 18.76% rise compared to 2021[22]. - The total deposits reached CNY 349,649,963 thousand, reflecting a 19.33% increase year-over-year[22]. - The basic earnings per share for 2022 was CNY 0.73, a 14.06% increase from 2021[23]. - The weighted average return on equity rose to 11.92%, an increase of 0.52 percentage points from the previous year[23]. - The total income from corporate banking was 5.90 billion RMB, with a profit of 1.67 billion RMB, showing an increase from the previous year[114]. - The bank's total income from personal banking was 3.21 billion RMB, with a profit of 1.21 billion RMB, also an increase year-on-year[114]. Asset Quality - The non-performing loan ratio improved to 1.29%, down from 1.35% in 2021[25]. - The provision coverage ratio increased to 281.06%, up from 253.95% in the previous year[25]. - The overall asset quality has shown a steady improvement, with the total non-performing loan balance at CNY 3.32 billion, resulting in a non-performing loan ratio of 1.29%[79]. - The bank's loan impairment provision balance was CNY 9.33 billion, with a provision coverage ratio of 281.06%, an increase of 27.11 percentage points year-on-year[89]. Growth in Loans and Deposits - As of the end of 2022, the total assets, deposits, and loans of Qilu Bank experienced rapid growth, with a 30.89% increase in the balance of inclusive loans for small and micro enterprises[10]. - The balance of inclusive loans accounted for over 20% of the total loans, reflecting the bank's commitment to serving the real economy[10]. - Loans to private and small enterprises surpassed RMB 10 billion, with inclusive loans accounting for over 20% of total loans[12]. - Personal deposits totaled CNY 163.07 billion, up CNY 38.56 billion, or 30.97% year-over-year[41]. - The bank's county-level branches saw deposits and loans grow by 43.04% and 32.35% respectively, significantly outpacing the average growth across the bank[10]. Digital Transformation and Technology - Qilu Bank is advancing its digital transformation strategy, with plans for a three-year roadmap to enhance customer service and operational efficiency[11]. - The bank is focusing on integrating financial technology to improve customer experience and satisfaction[11]. - The bank's inclusive financial services have expanded, with a strong emphasis on digital and online development[10]. - The bank has adopted a digital transformation strategy, improving its online customer acquisition and service delivery channels[37]. - The bank's online banking and mobile banking transaction volume reached CNY 2.43 trillion, reflecting a year-over-year growth of 7.14%[49]. Risk Management - The bank has established a comprehensive risk management mechanism to improve risk pricing and measurement capabilities[12]. - The bank has implemented a comprehensive risk management system focusing on credit, market, operational, liquidity, and compliance risks[132][134][135][137][138]. - The bank's liquidity coverage ratio significantly increased to 277.77%, up from 193.35% in the previous quarter[30]. - The bank's debt quality management system is aligned with its liability scale and structure, adhering to regulatory requirements[107]. Corporate Governance - The current board of directors includes experienced professionals with backgrounds in banking and finance, such as the chairman Zheng Zugang and vice chairman Zhang Hua, who have extensive experience in various leadership roles within the banking sector[157][159]. - The bank's management team consists of individuals with advanced degrees and significant expertise in finance, including independent directors with backgrounds in accounting and law, enhancing the governance structure[158][161]. - The bank's leadership is well-positioned to navigate the evolving financial landscape, leveraging their collective experience in both domestic and international markets[159][161]. - The company held three shareholder meetings during the reporting period, complying with the Company Law and its articles of association[151]. Awards and Recognition - Qilu Bank was awarded the "Outstanding Wealth Management City Commercial Bank" and received approval for securities investment fund sales[12]. - The company received multiple awards in 2022, including recognition for outstanding contributions to the local economy and digital financial innovation[21]. Strategic Initiatives - The bank has committed to a new three-year development plan and digital transformation strategy starting in 2023, aiming for high-quality growth[11]. - The bank plans to continue supporting the construction of a modern socialist economy in 2023[13]. - The bank aims to enhance its service capabilities to support the real economy and expand domestic demand, focusing on key strategic projects[144]. - The bank's development strategy emphasizes digital transformation as a core driver, aiming to enhance various values including user and product value[145].

证券代码：601665 证券简称：齐鲁银行 公告编号：2023-016 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 关于召开 2022 年度暨 2023 年第一季度 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 2023 年 5 月 4 日（星期四）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。 公司拟于 2023 年 4 月 28 日在上海证券交易所网站（www.sse.com.cn）披露 2022 年年度报告和 2023 年第一季度报告，为便于广大投资者更全面深入地了解 公司经营成果、财务状况等，公司计划于 2023 年 5 月 5 日上午 10:00-11:30 举行 2022 年度暨 2023 年第一季度业绩说明会，就投资者关心的问题进行交流。 一、业绩说明会类型 本次业绩 ...

Group 1: Strategic Development and Competitive Advantages - The bank focuses on inclusive finance, county-level services, and retail sectors, establishing a competitive edge in these areas [1] - It has set up a unique inclusive finance system, leading in small and micro enterprise services within the province [1] - The bank has enhanced its county-level financial influence and profitability, aligning with national rural revitalization strategies [1] Group 2: Future Regional Layout - The bank plans to establish a network of 16 branches in the province, prioritizing county-level development and adding rural revitalization service stations [1] Group 3: Economic Context and Performance - Shandong Province's GDP grew by 5.2% year-on-year in Q1 2022, providing a solid economic foundation for the bank's sustainable development [2] - The bank's loans are primarily concentrated in leasing and business services (19.69%), manufacturing (10.94%), and wholesale and retail (7.92%) as of the end of 2021 [2] Group 4: Impact of COVID-19 - The pandemic's impact on credit demand is minimal, and asset quality remains within controllable risk limits [2]

Financial Performance - As of the end of 2021, the bank's total assets reached RMB 433.414 billion, an increase of 20.32%[9] - Total deposits amounted to RMB 293.003 billion, growing by 19.70%[9] - Total loans reached RMB 216.622 billion, marking a growth of 26.07%[9] - The bank achieved an operating income of RMB 10.167 billion, which is a 28.11% increase[9] - Net profit attributable to shareholders was RMB 3.036 billion, reflecting a growth of 20.52%[9] - Total operating income for 2021 reached RMB 10,166,983 thousand, an increase of 28.11% compared to 2020[30] - Net profit for 2021 was RMB 3,072,253 thousand, reflecting a growth of 20.73% year-over-year[30] - The bank's cash flow from operating activities was RMB 28,531,016 thousand, a significant increase of 59.02% year-over-year[30] - The weighted average return on equity for 2021 was 11.40%, slightly down from 11.43% in 2020[32] - The bank achieved operating income of 10,166.98 million RMB, a year-on-year increase of 28.11%[86] - Net profit reached 3,072.25 million RMB, reflecting a growth of 20.73% compared to the previous year[86] Risk Management - The non-performing loan ratio improved to 1.35% in 2021, down from 1.43% in 2020[35] - The provision coverage ratio increased to 253.95% in 2021, compared to 214.60% in 2020, indicating stronger risk management[35] - The bank's non-performing loan provision coverage ratio was 253.95%, up by 39.35 percentage points from the end of the previous year[119] - The bank has strengthened its risk management capabilities by enhancing the identification and early warning of potential risk clients, improving proactive management abilities[178] - The bank has implemented a "list-based" classification management for risk businesses, promoting tailored disposal measures for each case[182] - The bank has improved its market risk management system, aligning with regulatory requirements and financial market trends, and has enhanced sensitivity and loss analysis[179] - The bank has established a liquidity risk monitoring system, ensuring that liquidity indicators remain compliant with regulatory requirements[184] Strategic Development - The bank plans to transform its operations towards "scale, group, lightweight, professional, scenario, digital, refined, and collaborative" aspects in 2022[12] - The bank aims to create greater value for the market and society while pursuing high-quality development[12] - The company is committed to a strategic transformation focused on sustainable development, emphasizing collaborative operations, digital empowerment, and refined risk control[17] - The bank's strategic vision is to become the preferred bank for small and medium enterprises and local residents, focusing on five major business segments[196] - The bank will implement a digital transformation strategy to improve operational management and enhance core competitiveness[196] Customer Service and Innovation - The company focuses on enhancing financial service capabilities to support the real economy, particularly in the context of the "dual circulation" development pattern and the Yellow River national strategy[16] - The company is advancing digital transformation and online services for small and micro enterprises, creating an innovative financial product model to assist businesses in overcoming difficulties[16] - The company emphasizes the importance of customer service and is enhancing its retail transformation, particularly in wealth management and consumer finance[16] - The bank's commitment to innovation in financial products has strengthened its service quality and efficiency in supporting the real economy[64] Asset Quality and Management - The bank's leverage ratio stood at 6.30% as of December 31, 2021, slightly down from 6.32% in Q3 2021[54] - The bank's total non-performing assets amounted to 6.02 billion yuan at the end of the reporting period[125] - The bank's total loan amount increased from CNY 171.82 billion in 2020 to CNY 216.62 billion in 2021, marking a significant growth in the loan portfolio[111] - The bank's loan impairment provision balance at the end of the reporting period was 7.424059 billion yuan, an increase from 5.257777 billion yuan at the end of the previous year, reflecting a growth of 41.16%[120] Market Expansion and Community Engagement - The bank has expanded its operations in the Bohai Rim region, establishing a branch in Tianjin and 16 village banks in Shandong, Henan, and Hebei provinces[57] - The bank has established a comprehensive inclusive finance system, focusing on supporting private enterprises, small and micro enterprises, and rural revitalization[62] - The company established 62 county branches, achieving a county coverage rate of 48% in the province, and served 1.5136 million county customers, a 14.99% increase year-over-year[76] - The bank launched the "Qilu Jin Weilai" brand for rural revitalization, integrating various services into a comprehensive support system[75] Financial Technology and Digital Banking - The company is leveraging financial technology, including big data and artificial intelligence, to integrate traditional and new digital business models[17] - The bank has implemented a digital banking project, enhancing customer experience and operational efficiency through new service platforms[81] - Online banking transactions totaled CNY 15.70475 trillion, a 19.62% increase, while mobile banking transactions reached CNY 6.97215 trillion, up 44.46%[79] Challenges and Economic Outlook - The bank acknowledges external challenges such as the ongoing global pandemic and internal pressures including sluggish consumption and investment recovery[199] - The bank emphasizes the importance of maintaining a stable macroeconomic environment to support its development[194] - The bank aims for a GDP growth target of approximately 5.5% for 2022, reflecting a medium to high-speed growth on a high base[194]