齐鲁银行股份有限公司 （股票代码：601665） 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实性、准确性、完 整性，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、本行于 2025 年 8 月 27 日召开第九届董事会第十六次会议，审议通过了 2025 年半年度报告及其 摘要。会议应出席董事 13 名，实际出席董事 12 名，王庆彬董事因个人原因委托张骅月董事代为出 席并表决。 三、本半年度报告未经审计，已经毕马威华振会计师事务所（特殊普通合伙）审阅并出具了审阅报 告。 四、本行法定代表人及董事长郑祖刚、行长张华、首席财务官高永生、财务部门负责人吕文珍保证 半年度报告中财务报告的真实、准确、完整。 五、根据 2024 年度股东大会授权，本行董事会将适时确定 2025 年中期利润分配相关事宜。 六、前瞻性陈述的风险声明 本半年度报告涉及未来计划、发展战略等前瞻性陈述，该计划不构成本行对投资者的实质承诺， 投资者及相关人士均应当对此保持足够的风险认识，并且应当理解计划、预测与承诺之间的差异。 七、本行不存在被控股股东及其他关联方非经营性占用资金的情况。 ...

Core Insights - The core viewpoint of the article emphasizes the growing importance of cash management products in the context of financial disintermediation, interest rate liberalization, and digital transformation, positioning them as a new growth point for transaction banking [1] Group 1: Current Challenges in Cash Management Product Marketing - There are three main challenges in cash management product marketing: complex client identification due to the intricate nature of corporate transaction information, diverse and personalized client needs stemming from the complexity of large enterprises, and limitations in marketing personnel's understanding of the products [2] - The marketing approach is shifting from "experience-driven" to "data-driven" as the company develops a public settlement opportunity system with product opportunity management features [2] Group 2: Future Opportunities and Innovations - The company anticipates that the launch of innovative products and cross-business penetration will uncover more specialized and scenario-based opportunities, allowing for precise targeting of potential clients and enhancing the coverage of cash management products [3] Group 3: Recommendations for Optimizing Cash Management Product Services - To optimize cash management product services, the company should focus on solidifying data foundations, ensuring smooth marketing processes through comprehensive data lifecycle management [4] - System optimization is necessary to unify opportunity push notifications and synchronize content details across channels [5] - The company should deepen the industry-specific and scenario-based applications of cash management products, providing customized solutions based on the cash flow characteristics of different industries [6][7] Group 4: Professional Development and Team Building - Establishing a specialized product manager team is crucial to enhance the professional level of marketing personnel, with a focus on building a talent pool for cash management professionals and setting clear training objectives [8] - Regular systematic training on key cash management products and a mentorship mechanism for new personnel should be implemented to strengthen marketing capabilities [9]