北京大成（济南）律师事务所 山东省济南市历下区龙奥北路 8 号 玉兰广场 4 号楼 8 层 邮编：250014 8/F, Building 4 Yulan Plaza No.8, Long'ao north Road Lixia District 250014,Jinan,Shandong,China dentons.cn 北京大成（济南）律师事务所 关于齐鲁银行股份有限公司 2023 年第三次临时股东大会法律意见书 致：齐鲁银行股份有限公司 根据《中华人民共和国证券法》（以下简称"《证券法》"）、《中华人民共和 国公司法》（以下简称"《公司法》"）和中国证券监督管理委员会《上市公司股东 大会规则（2022 年修订）》（以下简称"《股东大会规则》"）等法律、法规和其 他有关规范性文件的要求，北京大成（济南）律师事务所（以下简称"本所"）接受 齐鲁银行股份有限公司（以下简称"公司"）的委托，指派律师参加公司 2023 年第 三次临时股东大会（以下简称"本次股东大会"）。 本所声明：本所律师仅对本次股东大会的召集程序、召开程序、出席会议人员 资格、召集人资格、表决程序及表决结果发表法律意见，并不对本次股东大会所审 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2023-043 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 2023 年第三次临时股东大会决议公告 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： (四) 表决方式是否符合《公司法》及《公司章程》的规定，大会主持情况等。 本次股东大会采用现场投票和网络投票相结合的方式，符合《中华人民共和 国公司法》等国家相关法律法规和《齐鲁银行股份有限公司章程》的有关规定。 本次股东大会由董事长郑祖刚主持。 (五) 公司董事、监事和董事会秘书的出席情况 1、公司在任董事 13 名，出席 13 名； 2、公司在任监事 9 名，出席 8 名，监事宋锋因公务未出席本次会议； 3、公司董事会秘书出席会议；高级管理人员列席会议。 二、 议案审议情况 本次会议是否有否决议案：无 一、 会议召开和出席情况 (三) 出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： | 1、出席会议的股东和代理人人数 | 38 | | --- | --- | | 2 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2023-045 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 第九届监事会第一次会议决议公告 本公司监事会及全体监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。 齐鲁银行股份有限公司（以下简称"公司"）第九届监事会第一次会议通知 于 2023 年 8 月 4 日以电子邮件方式发出，会议于 2023 年 8 月 11 日在济南市历 下区经十路 10817 号总行大厦四楼二会议室以现场方式召开。会议应参与表决监 事 9 名，实际表决监事 9 名，宋锋监事因公务委托张晓艳监事代为出席并表决。 经半数以上监事共同推举，会议由张晓艳监事主持。会议的召开符合《中华人民 共和国公司法》等法律、行政法规、部门规章、规范性文件及公司章程的有关规 定。 会议审议通过了关于第九届监事会专门委员会设置及其组成人员的议案。同 意成立第九届监事会提名委员会和监督委员会，各专业委员会组成情况如下： 1、提名委员会 主任：董彦岭 成员：李文峰、李明、刘成安、王鲁豫、徐建国 2、监督委员会 主任：李文 ...

齐鲁银行股份有限公司 第九届董事会第一次会议决议公告 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。 齐鲁银行股份有限公司（以下简称"公司"）第九届董事会第一次会议通知 于 2023 年 8 月 4 日以电子邮件方式发出，会议于 2023 年 8 月 11 日在济南市历 下区经十路 10817 号总行大厦四楼二会议室以现场方式召开。会议应参与表决董 事 11 名，实际表决董事 11 名。经全体与会董事一致推举，会议由郑祖刚董事主 持，监事列席了会议。会议的召开符合《中华人民共和国公司法》等法律、行政 法规、部门规章、规范性文件及公司章程的有关规定。 会议审议通过了以下议案： （一）关于选举第九届董事会董事长的议案 选举郑祖刚先生为第九届董事会董事长，任期至本届董事会届满为止。 表决结果：同意 11 票，反对 0 票，弃权 0 票。 （二）关于选举第九届董事会副董事长的议案 证券代码：601665 证券简称：齐鲁银行 公告编号：2023-044 可转债代码：113065 可转债简称：齐鲁转债 （五）关于聘任董事会秘书的议案 聘任 ...

齐鲁银行股份有限公司独立董事关于第九 届董事会第一次会议相关事项的独立意见 根据《中华人民共和国公司法》《银行保险机构公司治 理准则》《上市公司独立董事规则》《上海证券交易所股票 上市规则》等法律、行政法规、部门规章和规范性文件，以 及《齐鲁银行股份有限公司章程》（以下简称"《公司章程》"） 等有关规定，作为齐鲁银行股份有限公司（以下简称"公司"） 的独立董事，基于独立客观的立场，对公司第九届董事会第 一次会议审议的《关于聘任行长的议案》《关于聘任副行长、 行长助理、首席财务官的议案》《关于聘任董事会秘书的议 案》发表独立意见如下： 1. 本次高级管理人员的提名符合法律法规、规章及其他 规范性文件和《公司章程》的要求，提名程序合法有效。 2. 本次会议审议通过的《关于聘任行长的议案》《关于 聘任副行长、行长助理、首席财务官的议案》《关于聘任董 事会秘书的议案》审议程序合法有效。 齐鲁银行股份有限公司独立董事 陆德明、单云涛、陈进忠、卫保川、王庆彬 2023 年 8 月 11 日 2 3. 经审核，张华先生、葛萍女士、陶文喆先生、胡金良 先生、刘振水先生、吴刚先生、高永生先生具备相应职务的 资格和条件，未发现存 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2023-042 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 关于选举职工监事的公告 本公司监事会及全体监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。 2023 年 8 月 11 日，齐鲁银行股份有限公司召开第五届职工代表大会第九次 全体会议，选举张晓艳女士、徐建国先生、孙建波先生为第九届监事会职工监事， 任期自职工代表大会选举之日起至本届监事会届满为止。上述人员简历详见附件。 特此公告。 齐鲁银行股份有限公司监事会 2023 年 8 月 11 日 1 / 2 附件： 张晓艳女士，1976 年 1 月出生，中国国籍，无境外永久居留权，本科学历， 现任本行职工监事、内审部总经理。历任农业银行高唐支行会计，中国银行高唐 支行会计、储蓄所主任、营业部副主任、营业部主任、支行副行长，齐鲁银行聊 城高唐支行筹建负责人、聊城高唐支行行长，齐鲁银行零售银行部总经理助理、 小企业银行部副总经理（主持工作）、普惠金融部总经理，齐鲁银行市中中心支 行行长，齐鲁银行内审部总经理。 徐建国 ...

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]