面向未来，齐鲁银行表示，将继续聚焦高质量发展核心主线，深化改革转型与数字化赋能，夯实客户基 础与风控体系，在服务区域发展中实现自身成长，为股东、客户与社会创造可持续价值。 中证报中证网讯(记者张鹏飞)2月4日，齐鲁银行（601665）披露2025年业绩快报。该行坚持稳中求进总 基调，交出了一份量质双升的答卷，资产规模、归母净利润实现双位数增长，资产质量连续7年持续改 善。 在业绩稳步增长的同时，齐鲁银行积极践行股东回报承诺，宣布将于2月11日实施派息计划。2025年12 月，该行推出2025年度中期分红方案，拟向全体股东每10股派发现金红利1.21元，总计派发7.45亿元， 占2025年半年度归母普通股股东净利润的28.48%。自上市以来，齐鲁银行现金分红总额逐年提升，彰 显了其稳健持续的盈利能力，也展现出该行与股东共享发展成果、回馈投资者信任的坚定承诺。 快报显示，截至2025年末，齐鲁银行总资产突破8000亿元大关，达到8043.81亿元，较上年末增长 16.65%；贷款总额3828.34亿元，存款总额4895.31亿元，分别同比增长13.55%和11.37%。此外，齐鲁银 行经营效益稳步提升，2025年 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) reported a revenue of 640.03 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 2.17% [2][3] - Net profit for the same period reached 271.88 billion yuan, with a year-on-year increase of 0.52%, marking a turnaround from a decline in the previous year [2][3] - In Q3 2025, the bank's net profit exceeded 100 billion yuan for the first time, amounting to 103.08 billion yuan, reflecting a year-on-year growth of 3.93% [3] Financial Performance - Revenue growth accelerated compared to the first half of 2025, where it was 1.57%, while net profit growth improved from a decline of 1.46% to a positive figure [3] - The annualized average return on total assets for the first three quarters was 0.71%, and the annualized weighted average return on equity was 9.3%, both showing a decline compared to the previous year [3] - Net interest income was 473.42 billion yuan, down 0.7% year-on-year, with an annualized net interest margin of 1.28%, a decrease of 15 basis points year-on-year, but an improvement from 1.16% in the first half [3] Non-Interest Income - Non-interest income totaled 166.61 billion yuan, up 11.3% year-on-year, with net fee and commission income at 90.87 billion yuan, showing a growth of 0.60% after three consecutive years of negative growth [3][4] - Investment income increased significantly by 56.39% year-on-year to 48.62 billion yuan, while fair value changes resulted in a loss of 4.17 billion yuan, a decline of 64.75% [4] Asset Quality and Capital Adequacy - As of September 30, 2025, total assets reached 52.81 trillion yuan, an increase of 8.18% from the end of the previous year [5] - The non-performing loan ratio was 1.33%, slightly down by 0.01 percentage points from the end of the previous year, while the provision coverage ratio improved to 217.21%, up by 2.3 percentage points [6] - Core Tier 1 capital adequacy ratio stood at 13.57%, with slight declines in various capital adequacy ratios compared to the previous year, but all ratios remained above regulatory requirements [6]