Core Points - The company maintains a "AAA" credit rating for both its entity and the convertible bond "Qilu Convertible Bond" with a stable outlook [1][2] - The latest credit rating report was issued by Shanghai New Century Credit Rating Agency on June 26, 2025, confirming no changes from the previous rating [2] Summary by Sections Credit Rating - The previous credit rating for the company and the "Qilu Convertible Bond" was "AAA" with a stable outlook [2] - The current credit rating remains "AAA" for both the company and the bond, with the outlook still stable [1][2] Bond Characteristics - The "Qilu Convertible Bond" is still eligible for use as collateral in bond repurchase transactions [1][2]

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-024 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"齐鲁转债"转股数量累计达到转股前公司 已发行股份总额10%暨股份变动的公告 经上海证券交易所自律监管决定书〔2022〕342 号文同意，公司 80 亿元可 转债于 2022 年 12 月 19 日起在上海证券交易所挂牌交易，债券简称"齐鲁转债"， 债券代码"113065"。 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： ? 累计转股情况：截至 2025 年 6 月 26 日，累计共有人民币 2,650,263,000 元"齐鲁转债"转为齐鲁银行股份有限公司（以下简称"公司"）A 股普通股股 票，累计转股股数为 504,517,591 股，占"齐鲁转债"转股前公司已发行 A 股普 通股股份总额的 11.0137%。 ? 未转股可转债情况：截至 2025 年 6 月 26 日，尚未转股的"齐鲁转债" 金额为人民币 5,349,737,000 元，占"齐鲁转债"发行总量 ...

Core Insights - The recent announcement of the "2025 Good Financial Products" list highlights Qilu Bank's innovative financial solutions, with three of its cases and products recognized for their contributions to sustainable development, green finance, and digital finance [1] Group 1: Financial Products and Innovations - Qilu Bank's "Bearing Village Loan" targets small and micro enterprises in the bearing industry, providing flexible loan conditions and favorable interest rates to address funding gaps [4][5] - The "Sustainable Development Linked Loan" product ties loan interest rates to borrowers' sustainability performance, encouraging companies to meet predefined sustainability goals [6][7] - As of Q1 2025, Qilu Bank's outstanding loans for small and micro enterprises reached 759 billion yuan, reflecting its commitment to inclusive finance [5] Group 2: Industry Impact - The bearing industry in Linqing, Shandong, is significant, with over 5,400 related enterprises and an annual transaction volume exceeding 20 billion yuan, accounting for over 10% of the national bearing market [3] - Qilu Bank's financial support has enabled companies like Shandong Pinwei Bearing Manufacturing Co., Ltd. to expand production and improve technology, achieving a tenfold increase in product precision [3][4] Group 3: Digital Transformation - Qilu Bank has implemented a financial data foundation and application service system based on lake-warehouse integration technology, enhancing data processing efficiency and flexibility [9][10] - The bank's digital transformation strategy includes a focus on customer management, operational efficiency, and technology empowerment, with plans for over 110 transformation tasks [10][11] - The bank's digital initiatives have led to a 50% reduction in data storage and a 70% improvement in response time, significantly enhancing operational efficiency [10]

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-024 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"齐鲁转债"转股数量累计达到转股前公司 已发行股份总额10%暨股份变动的公告 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： 累计转股情况：截至 2025 年 6 月 26 日，累计共有人民币 2,650,263,000 元"齐鲁转债"转为齐鲁银行股份有限公司（以下简称"公司"）A 股普通股股 票，累计转股股数为 504,517,591 股，占"齐鲁转债"转股前公司已发行 A 股普 通股股份总额的 11.0137%。 未转股可转债情况：截至 2025 年 6 月 26 日，尚未转股的"齐鲁转债" 金额为人民币 5,349,737,000 元，占"齐鲁转债"发行总量的比例为 66.8717%。 一、可转债发行上市概况 经中国证券监督管理委员会《关于核准齐鲁银行股份有限公司公开发行可转 换公司债券的批复》（证监许可〔2022〕2069 号）核准，公司于 2022 年 11 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-025 可转债代码：113065 可转债简称：齐鲁转债 评级机构上海新世纪在对公司经营状况、行业情况等进行综合分析与评估的 基础上，于 2025 年 6 月 26 日出具了《齐鲁银行股份有限公司及其发行的公开发 行债券定期跟踪评级报告》（以下简称"本次评级报告"），本次公司主体信用评 级维持"AAA"，评级展望维持"稳定"，"齐鲁转债"的信用评级维持"AAA"。 本次评级结果较前次没有变化，"齐鲁转债"仍可作为债券质押式回购交易的质 押券。 本次评级报告详见上海证券交易所网站（www.sse.com.cn）。 齐鲁银行股份有限公司 关于A股可转换公司债券2025年跟踪评级结果的公告 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： 根据本次评级结果，齐鲁银行股份有限公司（以下简称"公司"）A 股 可转换公司债券（简称"齐鲁转债"，代码"113065"）仍可作为债券质押式回 购交易的质押券。 根据《上市公司证券发行注册管理办法》《公司债券发行与交易管理 ...

除因本次评级事项使本评级机构与评级对象构成委托关系外,本评级机构、评级人员与评级对象不存在任何影 响评级行为独立、客观、公正的关联关系。 内部编号:2025060130 齐鲁银行股份有限公司 及其发行的公开发行债券 定期跟踪评级报告 项目负责人： 何泳萱 项目组成员： 官 晨 1551 inter hyx@shxsj.com 13, 90 gongchen@shxs j. com 评级总监: 熊荣萍 1238 联系电话:(021)63501349 联系地址:上海市黄浦区汉口路 398 号华盛大厦 14 层 公司网站：www.shxsj.com 上海新世纪资信评估投资服务有限公司 Shanghai Brilliance Credit Rating & Investors Service Co., Ltd. 评级声明 本评级机构与评级人员履行了调查和诚信义务,所出具的评级报告遵循了真实、客观、公正的原则。 本报告的评级结论是本评级机构依据合理的内部信用评级标准和程序做出的独立判断,未因评级对象和其他任 何组织或个人的不当影响改变评级意见。 本次跟踪评级依据评级对象及其相关方提供或已经正式对外公布的信息,相关信息的 ...

Core Viewpoint - The A-share market experienced a significant decline on June 27, 2025, with the banking sector, valued over 10 trillion yuan, facing a collective sell-off, leading to a drop of 2.69% in the banking index, closing at 4349.04 points [1] Group 1: Market Performance - The banking index closed at 4349.04 points, reflecting a decline of 2.69% [1] - The sell-off in the banking sector was characterized as a sudden adjustment that caught the market off guard [2] Group 2: Factors Influencing Decline - The "month-end effect" was identified as a contributing factor, with historical data showing poor performance of the banking sector at month-end, attributed to tightening liquidity and institutional settlements [2] - Reports of a large institution reallocating investments away from high-dividend stocks, including bank shares, towards growth-oriented stocks in the Sci-Tech Innovation Board were interpreted as a signal of potential outflows from the banking sector [3] Group 3: Broader Market Context - The decline in bank stocks was not isolated, as other dividend stocks like China Petroleum and Yangtze Power also experienced significant drops, raising concerns about the overcrowding in the banking sector [3] - Despite the adjustments, some analysts believe the decline is temporary, with trading congestion in bank stocks not reaching historical highs, and the fundamental support for bank stocks remaining intact [3][4] - The average dividend yield for A-share banks exceeds 4%, and for H-share banks, it exceeds 5%, indicating continued investment appeal in a low-interest-rate environment [4]

Core Viewpoint - Several banks' convertible bonds are approaching forced redemption due to rising stock prices, leading to a significant reduction in the market size of bank convertible bonds [2][3][9] Group 1: Convertible Bond Redemption - Qilu Bank announced that its convertible bond is expected to meet redemption conditions due to a surge in stock price, potentially making it the fourth bank bond to be redeemed this year [2] - The stock price of Qilu Bank has been above 130% of the conversion price for 10 out of the last 15 trading days, which could trigger the redemption clause if the trend continues [3] - Nanjing Bank and Hangzhou Bank have also announced early redemption of their convertible bonds, with specific dates for the last trading and conversion days [4][5] Group 2: Market Trends and Supply Dynamics - The total outstanding amount of bank convertible bonds has decreased significantly from nearly 300 billion to approximately 150 billion, with market share dropping from 38.97% to about 22.64% [9] - The supply of new convertible bonds has been constrained due to regulatory scrutiny and the long-term undervaluation of bank stocks, leading to a scarcity of existing bonds [9] - Institutional investors are adjusting their strategies, reducing exposure to bank convertible bonds while seeking alternative high-yield assets [9] Group 3: Performance and Investor Behavior - The strong performance of bank stocks has been a key driver for the forced redemption of convertible bonds, as rising stock prices enhance the conversion value [8] - The market for bank convertible bonds is experiencing a supply-demand imbalance, with fewer new issues leading to increased valuations for existing bonds [8] - As several convertible bonds approach redemption, the overall market size is expected to shrink further, impacting investment strategies [8][9]

在金融服务加速迈向"线上化、数据化、智能化"的当下，传统数据仓库与大数据平台"双库分立"的模式，逐渐暴露出诸多问题：处理海量交易数据时，性能 跟不上；技术复杂，导致开发效率低；数据融合难，阻碍业务创新。 齐鲁银行精准抓住行业痛点，引入湖仓一体技术，打造了全新的金融数据中台，以数据湖和数据仓库为核心支撑，通过数据应用平台，提供数据交换、开 发、管理等一站式服务。 在数字经济浪潮席卷全球的今天，数据已成为金融行业发展的核心驱动力。齐鲁银行立足金融科技前沿，成功打造《基于湖仓一体技术的金融数据底座及应 用服务体系建设项目》，通过技术创新与应用落地，为同业数字化转型提供了可复制的"实战样本"，该项目也成功获评"2025好品金融—数字金融"产品。 破局传统数据架构：湖仓一体技术的应运而生 针对客户标签、指标分析、合规审计等实际业务需求，在数据仓库基础上搭建了专项数据集市，让数据按主题分类存储，调用起来更加便捷。平台提供的数 据服务经过标准化处理后，统一上架到数据超市。下游用户通过数据门户，就能轻松访问数据超市。 本项目还构建了包含标签、指标、智慧经营分析在内的应用服务体系，为金融服务带来了更高的效率和更多的可能。 项目 ...

Core Insights - The integration of finance and the real economy in the bearing industry is exemplified by Qilu Bank's innovative financial product "Bearing Village Loan," which has been recognized as a typical case of financial support reaching grassroots levels [1][9]. Group 1: Industry Overview - Yantian Town, known as the "Bearing Capital of China," hosts over 5,400 bearing-related enterprises and more than 6,600 individual businesses, employing over 70,000 people and generating an annual transaction volume exceeding 20 billion yuan, accounting for over 10% of the national bearing transaction total [1]. - The majority of enterprises in Yantian Town are small and micro businesses that face challenges in accessing timely financing for equipment upgrades and working capital [2][3]. Group 2: Financial Challenges - Many small enterprises struggle with financing, as traditional loan approval processes are slow, leading to missed opportunities in fluctuating markets, such as steel price changes [2][3]. - The need for rapid loan access is critical due to the close relationship between production cycles and raw material price fluctuations, with high-end equipment requiring investments in the millions that traditional small loans cannot meet [3]. Group 3: Financial Solutions - Qilu Bank has implemented a tailored financial strategy for the bearing industry, introducing the "Bearing Village Loan" to address financing difficulties for small and micro enterprises and facilitate their transition to high-end manufacturing [4][9]. - The bank's "Three Special, Three Fast" service model offers loan amounts up to 3 million yuan, rapid approval processes within three working days, and targeted services for the bearing industry supply chain [5]. Group 4: Innovative Service Models - Qilu Bank has established a "Bearing Financial Service Team" that combines on-the-ground visits and big data analysis to create dynamic credit profiles for hundreds of enterprises, streamlining the loan approval process [6]. - The "First Loan Cultivation Action" targets new enterprises, allowing them to secure initial loans with minimal documentation through an online pre-approval system [7]. Group 5: Impact and Outcomes - The "Bearing Village Loan" has successfully disbursed 712 million yuan to support 642 enterprises, enhancing R&D investments and increasing the proportion of high-end products in the market [9]. - The financial support has enabled companies like Pinwei Bearing to expand from small workshops to modern factories, significantly improving production precision and reducing costs, thereby facilitating access to high-end markets [9][10]. - The initiative has also contributed to local employment, with over 40,000 jobs created, and has fostered a positive cycle of financial support revitalizing the local economy and promoting the upgrade of family workshops to standardized production facilities [10].