信风统计发现，A股42家上市银行中，前三季度利润增速突破15%的机构仅有2家，齐鲁银行正是其中之一。 下行周期中持续发酵的县域金融业务，正在成为银行业绩新的价值锚地。 前三季度，齐鲁银行录得营收、归母净利99.24亿元、39.63亿元，同比增幅分别为4.63%、15.14%。 尽管从更长时间回溯，该行近五年营收、净利增速已处于下行通道，4.63%的营收增幅甚至创下历史新低； 但与同业横向比较，两位数的利润增速在上市银行中已较为鲜见。 如今的稳健表现，很大程度上可追溯至六年前的前瞻性布局。 当同业普遍聚焦城市业务时，齐鲁银行曾将县域金融确立为全行核心战略； 如今其县域存贷款占比均已达到全行约三成，广阔的下沉市场不仅为其提供了差异化的竞争优势，亦成为其穿越周期、实现稳健增长的重要支柱。 收入结构上，该行利息、中收、投资收益对营收的贡献率分别为78.24%、10.44%、14.82%。 支柱业务传统信贷的量价齐增，支撑其利息净收入增长17.31%，成为营收向好的关键。 一方面，是齐鲁银行仍维持了较高的扩表速度： 前三季度，资产、负债分别较年初增长12.93%、13.22%，大幅领先行业整体水平； 其中贷款、存款增幅 ...

Core Viewpoint - The article emphasizes the importance of financial support for rural revitalization in China, highlighting the efforts of the Bank of Communications Shandong Branch to innovate financial products and services tailored to the needs of agricultural enterprises and farmers [1][3]. Group 1: Financial Innovations and Support - The Bank of Communications Shandong Branch is focusing on key areas of rural revitalization by enhancing financial supply and innovating financial products and services [1]. - The bank has introduced the "Xingnong e-loan," a specialized agricultural loan product designed for new agricultural operators, characterized by short processing times, quick approvals, high limits, and low interest rates [2]. - The bank has also launched online products like "Rugrain Quick Loan" and "Vegetable Loan," as well as scenario-based loans such as "Apple Loan" and "Fruit and Vegetable Loan," to address the financing challenges faced by agricultural entities [2]. Group 2: Case Study and Impact - A case study of Mr. Tian, a large-scale grower in Yantai, illustrates the bank's support; he faced a funding gap of 3 million yuan, which was addressed through a special guarantee loan in collaboration with the Shandong Agricultural Development Credit Guarantee Co., Ltd. [2]. - The loan application process for Mr. Tian was completed in just 4 days, allowing him to procure essential agricultural inputs for his 26.97 million square meters of planting area, effectively supporting his production operations [2]. - The bank's initiatives aim to lower financing costs and thresholds for agricultural enterprises and ensure that loans are accurately directed to agricultural operators [2]. Group 3: Commitment to Rural Revitalization - The Bank of Communications Shandong Branch is committed to enhancing financial services for rural revitalization, demonstrating a strong sense of responsibility in supporting rural industry development and the growth of new agricultural operators [3]. - The bank plans to continue improving the quality and level of financial services for rural revitalization with greater determination and genuine effort [3].