Core Viewpoint - Several A-share listed banks have recently seen significant share purchases by their directors, supervisors, and major shareholders, indicating confidence in the banks' long-term value and stability in market sentiment [1][4]. Group 1: Shareholder and Management Purchases - Qilu Bank announced on November 7 that its directors and executives have completed 90% of their share purchase plan, amounting to approximately 3.15 million yuan, with a total planned investment of at least 3.5 million yuan [2][3]. - Qingdao Bank reported that its major shareholder, Guoxin Chanin Holdings, increased its stake to 15.42%, becoming the largest shareholder after purchasing 243 million H-shares for a total of 9.57 billion yuan [2][3]. - Over 10 banks have experienced similar share purchases since 2025, with a majority being city commercial banks [1][2]. Group 2: Financial Performance and Trends - The recent quarterly reports indicate a positive performance among listed banks, with 35 out of 42 banks reporting year-on-year profit increases, and seven banks achieving double-digit growth [5][6]. - Qilu Bank and Qingdao Bank led the profit growth among listed banks, with increases of 15.54% and 15.14%, respectively [6]. - The overall revenue of 42 A-share listed banks grew by 0.9% year-on-year, while net profit increased by 1.5%, driven by stable expansion and a narrowing decline in net interest margins [6][7]. Group 3: Net Interest Margin and Market Outlook - The net interest margin for many listed banks has shown signs of stabilization, with 19 banks reporting an increase compared to the first half of 2025 [6][7]. - City commercial banks have particularly benefited from improved profit growth and stable loan growth, contrasting with weaker performance in other bank types [7]. - Analysts predict a continued positive trend in net interest margins and overall profitability for the banking sector in 2026, despite potential pressures on asset quality, especially in retail [7].

Core Insights - The report highlights the significant growth and development of inclusive finance in China, particularly focusing on small and micro enterprises and rural areas, with a notable annual growth rate of over 20% in inclusive micro loans during the 14th Five-Year Plan period [1][2] - As of June 2025, the balance of inclusive micro loans reached 36 trillion yuan, which is 2.3 times that of the end of the 13th Five-Year Plan, with a decrease in interest rates by 2 percentage points [1][2] - The average interest rate for newly issued inclusive micro loans was 3.48% as of June 2025, reflecting a decrease of 66 basis points year-on-year [1][2] Group 1: Digital Empowerment - Digital technology has been a key driver for the development of inclusive finance, with banks utilizing big data and AI to enhance loan approval efficiency and reduce financing costs [2][7] - The market structure among banks is changing, with large commercial banks holding a 45.11% share of inclusive micro loans, while rural financial institutions have seen a decline in their market share [2][3] - The average growth rate of inclusive micro loans has been slowing down, with a decrease from 30.9% in 2020 to 12.3% by mid-2025 [2][3] Group 2: Performance of Listed Banks - Among listed banks, Agricultural Bank of China, Industrial and Commercial Bank of China, and Beijing Bank reported the highest growth rates in inclusive micro loans at 18.50%, 17.30%, and 17.27% respectively [3][4] - In contrast, some banks, including Shanghai Bank and Zhengzhou Bank, experienced negative growth rates of -3.97% and -2.06% [3][4] - The performance of different banks varies significantly, with state-owned banks generally showing stronger growth in inclusive micro loans compared to smaller banks [3][4] Group 3: Interest Rates and Risk Management - The interest rates for newly issued inclusive micro loans have decreased across various banks, with the highest rate at 4.20% and the lowest at 2.94% [7][8] - The gap in interest rates between large and small banks is narrowing, with some large banks' rates aligning closely with those of smaller banks [8][9] - The report emphasizes the importance of risk management in the inclusive finance sector, with several banks focusing on improving asset quality and managing non-performing loans [9][10]

Core Viewpoint - Qilu Bank is enhancing its personal mortgage loan services by optimizing the early repayment process through its mobile banking platform, effective November 12, 2025 [1] Group 1: Service Optimization - The early repayment process for personal mortgage loans will be moved to the "Loan" - "My" - "Mortgage Service" - "Early Repayment" section in the mobile banking app [1] - A new "Early Repayment Calculation" service will be introduced to assist customers in estimating their repayment amounts [1] Group 2: Repayment Terms - Customers can apply for early repayment after making regular payments for 180 days, with the option to apply for early repayment once every six months [1] - Each early repayment must be no less than 10,000 yuan [1] Group 3: Customer Support - Customers are encouraged to ensure sufficient funds in their repayment accounts to facilitate smooth processing [1] - For inquiries, customers can contact their account managers or call Qilu Bank's customer service [1]

Group 1 - The core point of the announcement is that Qilu Bank's board members, supervisors, and senior management plan to increase their shareholding in the company, with a total investment of no less than RMB 3.5 million from September 16, 2025, to December 31, 2025 [2][4] Group 2 - As of the date of the announcement, the implementation period of the shareholding increase plan is over half, with the total amount increased by the stakeholders approximately RMB 3.15 million, accounting for 90% of the planned increase amount [3] Group 3 - The shareholding increase plan complies with relevant laws and regulations, and the funds required for the increase will come from the stakeholders' own funds, eliminating the risk of insufficient funds affecting the implementation of the plan [4]

Core Points - Qilu Bank announced a share buyback plan involving its directors, supervisors, senior management, and key personnel from branches, with a total planned investment of no less than RMB 3.5 million [1] - As of the announcement date, the implementation period of the buyback plan is over half, with the total amount of shares bought back approximately RMB 3.15 million, accounting for 90% of the planned investment [1] Summary by Categories - **Company Announcement** - Qilu Bank plans to increase shareholding through a centralized bidding method on the Shanghai Stock Exchange from September 16, 2025, to December 31, 2025 [1] - **Investment Details** - The total planned investment for the buyback is RMB 3.5 million, with approximately RMB 3.15 million already executed, representing 90% of the total planned amount [1]

齐鲁银行股份有限公司（以下简称"公司"）部分董事、监事、高级管理人 员和总行部门、分行主要负责人等，计划自 2025 年 9 月 16 日至 2025 年 12 月 31 日期间通过上海证券交易所交易系统以集中竞价方式增持公司股份，合计增 持金额不低于人民币 350 万元（以下简称"本次增持计划"）。具体内容详见公司 于 2025 年 9 月 16 日在上海证券交易所网站（www.sse.com.cn）披露的《齐鲁银 行股份有限公司关于董事、监事、高级管理人员等自愿增持股份计划的公告》。 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。 一、增持计划主要内容 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-077 齐鲁银行股份有限公司 关于董事、监事、高级管理人员等 增持股份的进展公告 二、增持计划实施进展 截至本公告披露日，本次增持计划实施期限过半，增持主体合计增持金额约 为 315 万元，占计划增持金额的 90%。 特此公告。 齐鲁银行股份有限公司董事会 2025 年 11 月 7 日 1 / 1 1、本次增 ...

Core Viewpoint - Qilu Bank (601665.SH) has announced that as of the date of this announcement, more than half of the implementation period for its share buyback plan has passed, with the total amount of shares repurchased by the main entity reaching approximately 3.15 million yuan, which accounts for 90% of the planned buyback amount [1] Summary by Category - **Company Actions** - Qilu Bank has executed a share buyback plan, with a total repurchase amount of about 3.15 million yuan [1] - The repurchased amount represents 90% of the total planned buyback amount [1] - **Timeline** - The implementation period for the buyback plan is reported to be more than halfway completed [1]

Core Points - The banking sector experienced a slight decline today, with a drop of 0.16% overall [1] - Qilu Bank's stock closed at 6.08 yuan, reflecting a decrease of 1.46% [1] - Chongqing Rural Commercial Bank's stock closed at 7.01 yuan, down by 1.13% [1] - Suzhou Bank's stock closed at 8.33 yuan, with a decline of 1.07% [1] - Qilu Bank, Chongqing Rural Commercial Bank, and Suzhou Bank were the largest decliners in the banking sector today [1]

Core Insights - Qilu Bank's Linyi branch has successfully launched the province's first "Grain Expected Revenue Pledge Financing" business, providing innovative financial services to address financing challenges for agricultural operators and injecting financial support into rural revitalization [1][2] - The financing model transforms expected grain revenue into effective credit enhancement measures, addressing the lack of collateral for grain planting entities and ensuring asset security for the bank [1] Group 1 - The financing initiative is a significant step in promoting inclusive finance and supporting rural revitalization, showcasing Qilu Bank's commitment to local economic development [2] - A dedicated team was formed to ensure the product aligns with agricultural needs, focusing on risk prevention, operational standards, and regional adaptability [1] - The cooperative receiving the loan plays a crucial role in local agriculture, enhancing production efficiency and farmer income through professional machinery services and cultivation experience [1] Group 2 - Qilu Bank plans to leverage its advantages in the Linyi city's inclusive financial service reform pilot zone to explore new agricultural financial service pathways [2] - The bank aims to provide high-quality financial support to more agricultural operators, empowering agricultural modernization through financial innovation [2]

Market Overview - The city commercial bank sector experienced a decline of 0.21% on November 7, with Qilu Bank leading the drop [1] - The Shanghai Composite Index closed at 3997.56, down 0.25%, while the Shenzhen Component Index closed at 13404.06, down 0.36% [1] Individual Bank Performance - Xiamen Bank closed at 7.23, up 0.98% with a trading volume of 333,300 shares and a transaction value of 241 million [1] - Ningbo Bank closed at 29.31, up 0.51% with a trading volume of 297,300 shares and a transaction value of 875 million [1] - Qilu Bank closed at 6.08, down 1.46% with a trading volume of 648,100 shares and a transaction value of 39.86 million [2] - Suzhou Bank closed at 8.33, down 1.07% with a trading volume of 373,400 shares and a transaction value of 314 million [2] Capital Flow Analysis - The city commercial bank sector saw a net outflow of 148 million from institutional investors, while retail investors had a net inflow of 163 million [2] - Jiangsu Bank had a net inflow of 63.24 million from institutional investors, but a net outflow of 39.08 million from speculative funds [3] - Nanjing Bank experienced a net inflow of 24.45 million from institutional investors, with a net outflow of 30.58 million from speculative funds [3]