2月4日晚，齐鲁银行（601665）发布2025年度业绩快报，经营效益稳步提升、资产负债稳健增长、资产质量稳中向好。 值得一提的是，在行业净息差普遍承压的背景下，齐鲁银行2025年净息差同比逆势上升2个基点，至1.53%。量价齐升之下，利息净收入同比大幅增长 16.48%至105.19亿元，成为推动营收与净利润增长的重要动力。 此前多家券商在年度展望中表示，行业净息差有望在2026年触底并逐步趋稳。而这一改善过程将更利好于负债基础扎实、活期存款占比高的大型银行，以及 部分存款成本改善空间较大的中小银行。 此外，截至2025年末，齐鲁银行不良贷款率1.05%，较上年末下降0.14个百分点；拨备覆盖率355.91%，较上年末提高33.53个百分点，主要资产质量指标连 续七年保持优化。 齐鲁银行成立于1996年，是全国首批、山东省首家成立的城市商业银行。2015年6月，齐鲁银行挂牌新三板；2018年开启转A之路；于2021年6月18日完成上 市，成为新三板首家成功登陆主板的银行。 齐鲁银行在业绩快报中表示，2025年，该行按照"稳中求进、以进促稳，改革转型、协同发力，守正创新、强基固本"的总体工作思路，持续夯实发展 ...

Core Viewpoint - Chongqing Bank has demonstrated strong operational growth in its third-quarter report, achieving historic milestones in several key indicators, significantly enhancing its market competitiveness and influence, thereby injecting robust financial momentum into the high-quality development of the local economy [1] Financial Performance - As of the end of the third quarter, the bank's total assets reached 1,022.7 billion yuan, marking a 19.4% increase from the beginning of the year, making it the first city commercial bank in China to surpass the trillion yuan mark in both A and H shares [1] - The bank's revenue and net profit both experienced over 10% year-on-year growth, increasing by 10.40% and 10.42% respectively, reaching 11.74 billion yuan and 5.196 billion yuan [1] - The deposit balance stood at 554.245 billion yuan, reflecting a 16.9% increase since the start of the year, while the loan balance reached 520.385 billion yuan, up 18.1% [1] - Net interest income grew by 15.2% year-on-year [1] Strategic Positioning - Analysts attribute Chongqing Bank's recent success to its clear strategic positioning and efficient management, which have contributed to the improvement of operational indicators and a steady increase in market share [1] - The bank is expected to leverage its new trillion-yuan asset milestone to further enhance its role as a financial state-owned enterprise, contributing more significantly to regional economic development [1]