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].

在国家"双碳"战略深入推进的大背景下，金融机构作为服务实体经济发展的重要力量，积极探寻着绿色 金融的创新路径，齐鲁银行立足主责主业，深入践行绿色金融理念，助力推动传统产业低碳转型升级， 以金融力量助推山东绿色低碳高质量发展。 为响应国家"双碳"战略，齐鲁银行创新推出"可持续发展挂钩贷款"，并于近日，成功获评2025"好品金 融—绿色金融"产品，它通过将贷款利率与企业预设的可持续发展绩效目标（SPT）挂钩，利用市场化 激励机制，激发企业内生动力，实现经济效益与环境效益双赢。关键绩效指标（KPI）是衡量企业可持 续发展表现的核心。KPI覆盖多个领域，包括能效提升、温室气体减排、废弃物减少、可再生能源利 用、水资源节约、可持续采购、循环经济、生物多样性保护以及环境、社会和治理（ESG）评估等。这 些指标确保企业行动与国家可持续发展战略及联合国2030可持续发展目标（SDGs）一致，且可量化、 验证，具备某一时间段内的可持续性。 2025年，齐鲁银行滨州分行成功为滨州某专精特新"小巨人"企业发放以氢气回收利用量为关键指标的可 持续发展挂钩贷款，以创新实践交出了一份亮眼的绿色金融答卷，标志着齐鲁银行在转型金融领域迈出 ...

Core Viewpoint - The strong performance of bank stocks is accelerating the "exit" of bank convertible bonds from the market, with several banks triggering redemption mechanisms due to rising stock prices [2][3]. Group 1: Bank Convertible Bonds - Qilu Bank announced that its convertible bond, Qilu Convertible Bond, is expected to meet redemption conditions due to a significant increase in its stock price [2]. - Qilu Bank issued 80 billion yuan worth of convertible bonds on November 29, 2022, with a term of 6 years and conditional redemption clauses [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 mechanism if the trend continues [2][3]. Group 2: Market Trends - The overall bank sector has seen a rise of over 16% year-to-date, contributing to the triggering of redemption mechanisms for multiple bank convertible bonds [3]. - As of June 24, the conversion premium for Qilu Convertible Bond was negative, indicating strong motivation among holders to convert [3]. - The number of outstanding bank convertible bonds has decreased to 10, with a total balance of 148.63 billion yuan, and further reductions are expected by the end of the year [4]. Group 3: Capital Management - Banks are strongly motivated to convert convertible bonds into equity to supplement core Tier 1 capital and improve capital adequacy ratios [3]. - If convertible bonds do not convert successfully, banks face increased financial costs due to the obligation to pay principal and interest on maturing bonds [3]. - The successful triggering of redemption mechanisms will accelerate the conversion process, effectively supplementing core Tier 1 capital [3].

Core Viewpoint - The banking sector is experiencing a strong performance, leading to an accelerated conversion of convertible bonds into stocks this year, with several banks triggering redemption clauses for their convertible bonds [2][7]. Group 1: Convertible Bond Redemption - Qilu Bank announced that its stock price has been above 130% of the current conversion price for 10 out of the last 15 trading days, which may trigger the redemption clause for its convertible bonds [4]. - If Qilu Bank's stock price remains above 6.50 CNY (130% of the adjusted conversion price of 5.00 CNY) for 5 more trading days, the bank has the right to redeem the bonds at face value plus accrued interest [4][5]. - This year, five convertible bonds from various banks have exited the market due to triggering redemption clauses, including those from Suhang Bank, Chengyin Bank, Hangyin Bank, and Nanyin Bank [8]. Group 2: Market Trends and Implications - The continuous rise in bank stock prices has led to a significant reduction in the outstanding balance of Qilu convertible bonds, which currently stands at 60.87 billion CNY, with an unconverted ratio of 76.09% [4]. - The trend of convertible bonds exiting the market is expected to continue, with only seven remaining if Qilu's bonds are redeemed [8]. - Approximately 100 billion CNY of bank convertible bonds are anticipated to complete conversion this year due to rising stock prices [8]. Group 3: Capital Supplementation and Market Dynamics - Convertible bonds serve as a crucial tool for banks to supplement their core Tier 1 capital, with a strong incentive for banks to convert bonds into stocks to enhance capital adequacy [2][11]. - The adjustment of conversion prices, such as Qilu Bank's reduction from 5.14 CNY to 5.00 CNY, increases the likelihood of triggering redemption clauses [9]. - The acceleration of bond conversions, combined with a slow pace of new bond approvals and issuances, may lead to irrational price increases for remaining high-quality convertible bonds in the market [11].

Core Viewpoint - Qilu Bank's convertible bonds may trigger redemption clauses due to the stock price remaining above 130% of the conversion price for a significant number of trading days, indicating strong market performance and potential capital strengthening for the bank [1][4][6]. Group 1: Convertible Bond Redemption - Qilu Bank announced that its stock price has been above 130% of the convertible bond's conversion price for 10 out of the last 15 trading days, which could lead to the triggering of redemption clauses if this trend continues [1][4]. - The conversion price for Qilu's bonds was adjusted from 5.14 CNY to 5.00 CNY, making the new threshold for triggering redemption 6.50 CNY [4][10]. - If the redemption clause is triggered, Qilu Bank has the right to redeem all or part of the unconverted bonds at face value plus accrued interest [5][6]. Group 2: Market Trends and Implications - This year, several bank convertible bonds have triggered strong redemption, with five bonds exiting the market, highlighting a trend of increasing bond scarcity [2][9]. - The rising stock prices of banks have led to a significant number of convertible bonds potentially triggering redemption, with estimates suggesting around 100 billion CNY in bank convertible bonds may convert this year [10][12]. - The adjustment of conversion prices by banks is aimed at increasing the likelihood of triggering redemption, thereby enhancing their capital positions [10][12].

关于"齐鲁转债"预计满足赎回条件的提示性公告 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： 证券代码：601665 证券简称：齐鲁银行 公告编号：2025-023 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 齐鲁银行股份有限公司（以下简称"公司"）股票自 2025 年 6 月 3 日至 2025 年 6 月 23 日的 15 个交易日中已有 10 个交易日的收盘价格不低于"齐鲁转 债"当期转股价格（自 2025 年 6 月 12 日起转股价格由 5.14 元/股调整为 5.00 元 /股）的 130%（含 130%）。若在未来 15 个交易日内，公司股票仍有 5 个交易日 的收盘价格不低于"齐鲁转债"当期转股价格 5.00 元/股的 130%（含 130%）， 即 6.50 元/股，将触发"齐鲁转债"的赎回条款。届时，根据《齐鲁银行股份有 限公司公开发行 A 股可转换公司债券募集说明书》（以下简称"《募集说明书》"） 有条件赎回条款的相关约定，公司有权决定按照债券面值加当期应计利息的 ...

Group 1 - The core message highlights the importance of personalized financial services, particularly for clients with special needs, as demonstrated by the home service provided by Qilu Bank [1][4] - Qilu Bank's South Suburban Branch has adopted a customer-centric service philosophy, focusing on understanding and addressing the specific needs of clients, especially the elderly and disabled [4] - The branch has successfully completed over ten home service visits for special clients this year, showcasing its commitment to meeting diverse and personalized customer demands [4] Group 2 - The bank's proactive approach in offering home services breaks traditional service limitations, providing timely and compassionate financial assistance [4] - The positive feedback from clients, including expressions of gratitude, reflects the effectiveness and warmth of the bank's service initiatives [4] - Qilu Bank aims to continue enhancing its service processes and innovate service methods to fulfill its social responsibility and contribute to a harmonious financial service environment [4]

Core Viewpoint - Qilu Bank Binzhou Branch has achieved significant growth and development over the past eight years, focusing on serving local residents, small and medium-sized enterprises, and contributing to the local economy [1][2][3]. Group 1: Financial Performance - As of the first quarter of this year, the bank's deposit scale reached 11 billion, and loan scale reached 14.1 billion, with both deposit and loan growth rates ranking among the top in the city [1]. - Cumulatively, the bank has issued various loans totaling 86.2 billion, serving over 840 corporate clients and 120,000 individual clients [1]. - The bank's green loan balance is 1.3 billion, reflecting a 42% increase since the beginning of the year [4]. Group 2: Innovation and Services - The bank has developed innovative credit products and financial services to support the real economy, with a focus on "specialized, refined, distinctive, and innovative" enterprises [3]. - The bank's technology-enabled loans for specialized enterprises have exceeded 2.1 billion, providing services to 154 technology companies [3]. - The bank has launched various inclusive financial products, including "Grain Loan" and "Kitchenware Loan," to support rural revitalization [6]. Group 3: Social Responsibility and Community Engagement - The bank has actively participated in public welfare initiatives, including the issuance of social security cards and the launch of the "Social Security Convenience Loan" product [7]. - It has established partnerships with local government departments to enhance communication and improve service efficiency for enterprises [6]. - The bank has conducted various community activities, such as financial literacy programs and support for underprivileged families, enhancing its reputation as a "citizen bank" [7]. Group 4: Future Outlook - The bank aims to continue its commitment to financial service and local economic development, focusing on providing precise, efficient, and high-quality financial services [8].

Core Viewpoint - Qilu Bank is actively promoting financial knowledge and consumer protection through various initiatives, aiming to safeguard customer rights and enhance financial literacy among specific groups, particularly the elderly and new citizens [1][2][3][4][5][6] Group 1: Financial Knowledge Promotion - Qilu Bank has established a financial knowledge promotion area in its branches, displaying materials such as "Elderly Fraud Prevention Guide" and "Understanding Suitability Management" to educate customers [2] - The bank's staff actively engage with customers, focusing on common scams targeting the elderly and new citizens, using simple language to explain fraud tactics [2][4] - Interactive sessions like "Financial Knowledge Q&A" are organized to reinforce understanding of key principles such as not transferring money easily and not disclosing personal information [2] Group 2: Integration of Education and Service - Financial education is integrated into daily services, with lobby managers conducting "micro-lectures" on topics like account and payment security while customers wait [3] - Counter staff provide fraud reminders during transactions, promoting a security mindset among customers [3][5] Group 3: Social Responsibility and Community Engagement - On June 9, 2025, Qilu Bank organized a community outreach event for sanitation workers, providing them with essential supplies and educating them on financial fraud prevention [4] - The initiative combines financial education with community support, enhancing the financial risk awareness of frontline workers [4] Group 4: Employee Training and Capability Building - The bank promotes a "Weekly Learning" initiative to enhance staff understanding of consumer rights protection and fraud detection [5] - Staff training includes practical simulations to improve skills in identifying fraudulent practices and communicating risks to customers [5] Group 5: Long-term Mechanism and Commitment to Financial Literacy - Qilu Bank emphasizes the importance of continuous financial education as a means to protect customer rights and uphold its commitment to financial service [6] - Future plans include refining the educational approach and expanding outreach to cover more target groups, ensuring that financial safety concepts are integrated into customers' daily lives [6]