证券代码：601665 证券简称：齐鲁银行 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 公开发行 A 股可转换公司债券 受托管理事务报告 （2024 年度） 1 | 第一节 | 本期债券情况 3 | | --- | --- | | | 一、核准文件及核准规模 3 | | | 二、本期债券的主要条款 3 | | | 三、债券评级情况 8 | | 第二节 | 债券受托管理人履行职责情况 10 | | 第三节 | 发行人年度经营情况和财务情况 11 | | | 一、发行人基本情况 11 | | 二、发行人 | 2024 年度经营情况及财务状况 12 | | 第四节 | 发行人募集资金使用情况 16 | | | 一、公开发行 A 股可转换公司债券募集资金基本情况 16 | | | 二、本期可转换公司债券募集资金实际使用情况 16 | | 第五节 | 本次债券担保人情况 17 | | 第六节 | 债券持有人会议召开情况 18 | | 第七节 | 本次债券付息情况 19 | | 第八节 | 本次债券的跟踪评级情况 20 | | 第九节 | 债券持有人权益有重大影响的其他事项 21 | | | 一 ...

Financial Performance - In 2024, Qilu Bank achieved double-digit growth in assets, deposits, loans, and net profit, with asset quality indicators continuously improving [11]. - The total operating income for 2024 reached CNY 12,495.81 million, a 4.55% increase from CNY 11,951.86 million in 2023 [31]. - The net profit for 2024 was CNY 4,944.76 million, reflecting a 15.83% growth compared to CNY 4,269.08 million in 2023 [31]. - The total assets increased to CNY 689,539.36 million, marking a 14.01% rise from CNY 604,815.99 million at the end of 2023 [31]. - The total loans amounted to CNY 337,141.86 million, up 12.31% from CNY 300,193.11 million in 2023 [31]. - The total deposits reached CNY 439,541.46 million, which is a 10.42% increase from CNY 398,077.42 million in 2023 [31]. - Basic earnings per share for 2024 increased by 11.49% to CNY 0.97 compared to CNY 0.87 in 2023 [32]. - Diluted earnings per share rose by 14.29% to CNY 0.80 from CNY 0.70 in the previous year [32]. - The total operating revenue for Q1 2024 is CNY 3,022,280, with net profit attributable to shareholders at CNY 1,177,668 [41]. - The net profit after deducting non-recurring gains and losses for Q1 2024 is CNY 1,152,816 [41]. Asset Quality - The non-performing loan ratio stood at 1.19%, with a provision coverage ratio of 322.38%, indicating a continuous improvement in asset quality over six years [17]. - Non-performing loan ratio improved to 1.19% from 1.26% in 2023, a decrease of 0.07 percentage points [33]. - Provision coverage ratio increased by 18.80% to 322.38% compared to 303.58% in 2023 [33]. - The total provision for loan impairment was CNY 12.91 billion at the end of 2024, with a coverage ratio of 322.38%, an increase of 18.80 percentage points from the previous year [120]. - The company’s focus on risk classification resulted in a decrease in the NPL ratio from 1.26% in 2023 to 1.19% in 2024 [112]. Customer Growth and Services - Retail customer count reached over 7.8 million, with a 15.62% increase in the number of high-end customers [13]. - The number of credit clients in specialized and innovative enterprises grew by 39.64%, reflecting the bank's commitment to supporting key projects [16]. - The bank has implemented a "Service Enhancement Year" initiative to improve customer service and product offerings tailored to various consumer needs [17]. - The company launched three exclusive loan products targeting specific customer groups, enhancing credit service capabilities [66]. - The company introduced 21 online products under the "Qilu e-loan" smart financing plan, improving customer demand matching [70]. Digital Transformation and Innovation - The bank's focus on digital transformation has led to increased efficiency and enhanced customer experience through the integration of digital tools in risk management [14]. - The company aims to enhance its digital transformation and improve service efficiency through the launch of the "Qilu e-Rong" intelligent financing platform [18]. - The company is investing in new technology development, allocating 100 million RMB towards R&D initiatives [200]. - The company plans to implement a new digital banking platform, projected to improve user engagement by 40% [193]. Strategic Initiatives - The bank's strategic focus includes supporting local economic development through targeted financial services in key industries [12]. - The company has implemented a "rural revitalization" financial service strategy, significantly increasing its market share and brand influence in county-level markets [56]. - The company has strengthened credit risk management by establishing annual credit risk limits and enhancing monitoring of large exposures [157]. - The bank's future development strategy focuses on high-quality development, emphasizing retail banking, urban-rural integration, green finance, and digital operations [171]. Market Position and Expansion - The company is expanding its market presence in Southeast Asia, targeting a 25% market share by the end of 2025 [190]. - The company is considering strategic acquisitions to enhance its market position, with a budget of 500 million RMB for potential deals [200]. - The company established two new branches in Heze and Zibo, increasing the coverage rate in Shandong province to 64% [18]. Financial Management - The company plans to optimize capital structure and improve capital quality through various capital tools, including the conversion of CNY 696 million convertible bonds [34]. - The liquidity coverage ratio for December 31, 2024, is 277.90%, an increase from 253.85% on September 30, 2024 [40]. - The bank's total cash and cash equivalents decreased by CNY 554.95 million, reflecting a decline of 105.86% year-on-year [141]. - The cost of interest-bearing liabilities decreased by 12 basis points to 2.06% [136]. Awards and Recognition - The company received multiple awards for market innovation and impact in the financial market sector [74]. Governance and Compliance - The bank's governance structure includes a board of directors, supervisory board, and senior management, ensuring compliance with legal and regulatory requirements [177]. - The company has established a comprehensive anti-money laundering internal control system, enhancing the effectiveness of anti-money laundering performance assessment [167].

Financial Performance - Net profit for the first quarter was RMB 1.36 billion, representing a year-on-year growth of 15.69%[3] - Operating income for the quarter was RMB 3.17 billion, up 4.72% from the same period last year[3] - Basic earnings per share rose to RMB 0.26, reflecting an 18.18% increase year-on-year[3] - The weighted average return on equity (annualized) was 12.52%, an increase of 0.27 percentage points compared to the previous year[3] - Total operating income for Q1 2025 reached CNY 3,165,053 thousand, an increase of 4.73% compared to CNY 3,022,280 thousand in Q1 2024[31] - Net interest income rose to CNY 2,390,629 thousand, up 7.88% from CNY 2,215,817 thousand year-over-year[31] - Net profit for Q1 2025 was CNY 1,364,286 thousand, representing a 15.63% increase from CNY 1,179,235 thousand in Q1 2024[31] - Basic earnings per share for Q1 2025 were CNY 0.26, up from CNY 0.22 in Q1 2024[32] - Net profit for Q1 2025 was CNY 1,377,056 thousand, compared to CNY 1,149,810 thousand in Q1 2024, marking a significant increase of 19.8%[37] Asset and Liability Management - Total assets reached RMB 716.40 billion, an increase of 3.90% compared to the end of the previous year[12] - The bank's total liabilities increased to CNY 668,134,438 thousand, up from CNY 641,204,233 thousand, reflecting a growth of 4.83%[30] - The total assets amount to 716,396,975 thousand RMB as of March 31, 2025, an increase from 689,539,360 thousand RMB at the end of 2024[29] - The bank's total equity increased to 48,177,566 thousand RMB as of March 31, 2025, from 48,208,799 thousand RMB at the end of 2024[19] - The bank's total equity as of March 31, 2025, was CNY 47,447,019 thousand, slightly down from CNY 47,471,621 thousand[36] - The bank's total assets reached CNY 716,396,975 thousand, compared to CNY 689,539,360 thousand, indicating a growth of 3.67%[30] - The total liabilities increased to CNY 654,496,906 thousand from CNY 626,995,695 thousand, reflecting a growth of 4.4%[36] Loan and Deposit Growth - The loan total increased to RMB 357.67 billion, a growth of 6.09% compared to the end of the previous year[12] - Customer deposits totaled RMB 462.47 billion, an increase of 5.22% from the end of the previous year[12] - The loan classification shows normal loans at 349,802,655 thousand RMB, accounting for 97.80% of total loans, compared to 97.74% in the previous year[25] - Customer deposits and interbank deposits net increase amounted to CNY 19,583,475 thousand, significantly higher than CNY 5,601,831 thousand in the same period last year[33] - The net increase in customer loans and advances was ¥20,579,761 thousand in Q1 2025, compared to ¥17,158,584 thousand in Q1 2024, suggesting robust lending growth[39] - Customer deposits and interbank placements increased by ¥19,667,759 thousand in Q1 2025, compared to an increase of ¥5,028,487 thousand in Q1 2024, indicating strong growth in customer trust[39] Cash Flow and Liquidity - The bank's cash flow from operating activities was RMB 8.24 billion, a significant improvement from a negative cash flow of RMB 1.50 billion in the same period last year[3] - The net cash flow from operating activities was CNY 8,240,702 thousand, a substantial improvement from a negative CNY 1,498,385 thousand in Q1 2024[33] - The net cash flow from financing activities was CNY 4,860,794 thousand, compared to CNY 4,509,613 thousand in the previous period, indicating a growth of 7.8%[34] - The net cash flow from financing activities showed a net inflow of ¥4,863,631 thousand in Q1 2025, slightly up from ¥4,513,132 thousand in Q1 2024, reflecting stable financing operations[40] - The liquidity coverage ratio stands at 224.72% as of March 31, 2025, down from 277.90% at the end of 2024[23] - The net stable funding ratio is 139.34% as of March 31, 2025, compared to 140.68% at the end of 2024[21] Investment Activities - The bank's investment activities generated cash inflows of CNY 35,242,288 thousand, compared to CNY 33,524,993 thousand in the previous year[33] - The bank's investment activities generated a net cash outflow of CNY 16,775,003 thousand, worsening from a net outflow of CNY 7,827,035 thousand[34] - The net cash flow from investment activities was -¥16,771,137 thousand in Q1 2025, worsening from -¥7,825,159 thousand in Q1 2024, reflecting increased investment outflows[40] - The total cash outflow from investment activities was ¥52,013,402 thousand in Q1 2025, compared to ¥41,350,152 thousand in Q1 2024, indicating increased investment expenditures[40] Shareholder Information - The top ten shareholders hold a combined 56.67% of the total shares, with the largest shareholder being Commonwealth Bank of Australia at 15.43%[26] - The cumulative amount of convertible bonds converted to common stock is 1,395,536,000 RMB, resulting in an increase of 254,194,733 shares[27] Other Comprehensive Income - Other comprehensive income after tax for Q1 2025 was CNY -1,281,812 thousand, a decline from CNY 293,091 thousand in Q1 2024[32] - The bank's other comprehensive income showed a significant decline, with a net loss of CNY 1,281,812 thousand compared to a gain of CNY 293,091 thousand in the previous year[37]

齐鲁银行股份有限公司 自 2024 年 1 月 1 日 至 2024 年 12 月 31 日止年度财务报表 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 审计报告 毕马威华振审字第 2512037 号 齐鲁银行股份有限公司全体股东： 一、审计意见 我们审计了后附的齐鲁银行股份有限公司 (以下简称"齐鲁银行") 财务报表，包括 2024 年 12 月 31 日的合并及母公司资产负债表，2024 年度的合并及母公司利润表、合并及母公司 现金流量表、合并及母公司股东权益变动表以及相关财务报 ...

关于齐鲁银行股份有限公司 2024 年度 非经营性资金占用及其他关联资金往来情况的专项说明 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 关于齐鲁银行股份有限公司 2024 年度非经营性资金占用及其他关联资金往来情况的专项说明 毕马威华振专字第 2502792 号 齐鲁银行股份有限公司董事会： 我们接受委托，按照中国注册会计师审计准则审计了齐鲁银行股份有限公司（以下简 称"齐鲁银行"）2024 年度的财务报表，包括 2024 年 12 月 31 日的合并及母公司资产负债 表，2024 ...

齐鲁银行股份有限公司 2024 年 12 月 31 日 内部控制审计报告 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 内部控制审计报告 毕马威华振审字第 2512047 号 齐鲁银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计了齐鲁银行 股份有限公司（以下简称"齐鲁银行"）2024 年 12 月 31 日的财务报告内部控制的有效性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评 ...

齐鲁银行股份有限公司 独立董事 2024 年度述职报告 二〇二五年四月 独立董事 2024 年度述职报告 （陈进忠） 作为齐鲁银行股份有限公司（以下简称"公司"）的独立董事，根 据《上市公司独立董事管理办法》及《上海证券交易所上市公司自 律监管指引第1号——规范运作》，现将本人2024年度履职情况报告 如下。 一、基本情况 （一）工作履历、专业背景以及兼职情况 本人陈进忠，1960年4月出生，中国国籍，无境外永久居留权， 博士研究生，高级经济师，现任公司独立董事。历任河北银行学校 教师；河北保定金融高等专科学校金融系副主任、讲师，办公室主 任、副教授；中国人民银行河北保定分行副行长；中国民生银行总 行人力资源部副处长，总行办公室处长、主任助理、副总经理（主 持工作）、总经理，第四届、第五届监事会监事，北京管理部党委 书记、总经理，总行党委委员、纪委书记兼人力资源部总经理、党 委组织部部长，总行党委委员、纪委书记。2020年9月起任公司独立 董事。 本人符合相关法律法规规章关于上市公司和商业银行独立董事 任职资格条件的规定，已经上交所备案审查，并获得银行业监督管 理机构任职资格核准。 2 （二）不存在影响独立性 ...

齐鲁银行股份有限公司董事会 关于独立董事独立性情况的专项意见 根据《上市公司独立董事管理办法》《上海证券交易所股票 上市规则》《上海证券交易所上市公司自律监管指引第 1 号—— 规范运作》等要求，结合独立董事独立性自查情况，齐鲁银行股 份有限公司董事会就在任独立董事陈进忠、卫保川、王庆彬、刘 宁宇、张骅月的独立性情况进行评估并出具如下专项意见： 经核查独立董事陈进忠、卫保川、王庆彬、刘宁宇、张骅月 的任职情况以及签署的相关自查文件，上述人员符合相关法律法 规、规范性文件及公司章程中关于独立董事任职独立性的要求， 不存在任何妨碍其进行独立客观判断的关系，不存在影响独立董 事独立性的情况。 齐鲁银行股份有限公司董事会 2025 年 4 月 24 日 ...

Group 1 - The core viewpoint of the announcement is that Qilu Bank reported a revenue of 12.496 billion RMB for 2024, reflecting a year-on-year growth of 4.55% [1] - The net profit attributable to shareholders of the listed company reached 4.986 billion RMB, showing a year-on-year increase of 17.77% [1] - The board of directors approved a profit distribution plan, proposing a cash dividend of 1.39 RMB per 10 shares (including tax) [1]

Group 1 - Since April, 9 bank stocks have reached historical highs, indicating a sustained increase in industry interest [1][2] - In Q4 2024, bank performance has significantly improved, with many banks reporting positive results in Q1 of this year [1][5] - The total cash dividends for the banking sector are expected to reach a new high, with 12 bank stocks each exceeding 10 billion yuan in annual dividends [1][7] Group 2 - On April 24, the banking index closed up 1.16%, with major banks like Bank of China, Agricultural Bank of China, and Industrial and Commercial Bank of China hitting record highs [2] - The stock prices of major banks have steadily increased this year, with Shanghai Bank showing a year-to-date increase of 15.52% [2] - The banking sector is favored as a low-valuation, high-dividend defensive asset amid ongoing market fluctuations [3] Group 3 - Over 90% of the 36 bank stocks that have released their 2024 annual reports or performance forecasts reported year-on-year profit growth [5] - Shanghai Pudong Development Bank reported the highest year-on-year profit growth at 23.31%, driven by rapid credit growth and improved asset quality [5] - The total net profit of the disclosed bank stocks in Q4 2024 exceeded 480 billion yuan, marking a 5.66% increase from the previous year [5] Group 4 - Five bank stocks have released Q1 2025 performance reports, with several banks reporting year-on-year profit growth [6] - Major banks have indicated ongoing improvements in their asset-liability structures and operational efficiency [6] Group 5 - As of April 24, 29 bank stocks have announced dividend plans, with a total cash dividend amounting to 357.84 billion yuan [7] - The cumulative cash dividends for the banking sector in 2024 have reached 616.13 billion yuan, surpassing the previous year's total [8] - Industrial and Commercial Bank of China announced a cash dividend of 1.646 yuan per 10 shares, totaling 58.66 billion yuan, marking a continuous growth for nine years [8]