Core Insights - The Qi Lu Bank's Science and Technology Financial Center Branch has achieved a remarkable 97.90% and 88.65% ratio of technology enterprise loan balances and clients, respectively, indicating a strong focus on serving technology-driven companies [1] - The branch has developed specialized financial products and services tailored to the unique needs of technology enterprises, aiming to provide comprehensive financial support throughout their lifecycle [2][3] Group 1: Financial Performance and Client Base - As of the end of Q1 2025, the branch has a loan balance of 1.575 billion yuan (approximately 15.75 billion) for various technology enterprises, serving 125 clients [1] - The high percentage of technology enterprise loans indicates a strategic focus on this sector, with the branch's loan balance and client count significantly surpassing traditional corporate lending metrics [1] Group 2: Innovative Financial Products - The branch offers a "Research Loan" product with a maximum credit term of 10 years, allowing flexible collateral options such as credit and intellectual property pledges, covering various funding needs [2] - The "Forward Win-Win Interest Rate Loan" product provides a three-year mid-term working capital loan with a unique interest structure, supporting the growth of enterprises [2] Group 3: Tailored Services and Solutions - The branch has developed a range of financial solutions, including the "Future Star" and "Morning Star" series, to meet the specific needs of technology enterprises at different innovation stages [3] - A comprehensive service brand called "Science and Technology Financial Steward" has been established, offering various management solutions to enhance client support [3][4] Group 4: Team and Ecosystem Engagement - The branch employs a specialized team of 9 out of 16 staff members dedicated to technology finance, emphasizing expertise in the sector [4] - Collaborative efforts with ecosystem partners, including associations and government platforms, are aimed at empowering technology enterprises through combined resources and support [4]

2014年，这家从事污水治理、废气污染治理、土壤污染治理的环保企业，通过创始人房产抵押的方式， 获得中国银行济南分行200万元贷款，解决了资金运转不畅的难题。2021年，该公司签约烟台嘉信化学 科技有限公司污水处理项目，通过投贷联动模式，分别获得山东山科创新股权投资有限公司和中国银行 济南分行各1000万元融资，顺利解决项目建设的流动资金需求，迎来业务爆发期。今年，山东省财金资 本管理有限公司通过股权融资方式为其注资2000万元，助力北成环境一举拿下成立以来首个千万元级市 场订单，打开京津冀市场。 "我们最早是在一所民宅办公，当时来调研的银行工作人员觉得我们规模太小，放贷的可能性比较低。 今年我们完成股权变更后，公司管理层陆续收到多家银行的合作来电。"肖岛笑称。从首次获贷的一波 三折到两获资本市场青睐，肖岛将成功的秘诀总结为"会说银行话"和用好政策。"有人可能会说银行'嫌 贫爱富'，我不认同。作为企业，我们要做的是给银行一份相对清楚的报表、一个明确的需求和一个客 观的产业前景，银行自然就会形成正确的判断。" 一人行速，众人行远。 当东方智慧融入黄河畔的科创浪潮，一场金融合力托举下的产业跃迁在"泉城"济南聚势显 ...

转自：新华财经 "武"能激起市场的一池春水，用金融"五篇大文章"挥斥方遒，创新不断；"文"可激发内在的一腔热血， 用家园文化的"七张文化牌"成风化人，修炼不止——这正是齐鲁银行的"文武双全"之路。 齐鲁银行以深学促思想动力，更注重思想上的深化、内化、转化。齐鲁银行全面贯彻落实党的二十大和 二十届二中、三中全会精神，将培育和弘扬中国特色金融文化作为重要政治任务来抓，坚持稳健合规审 慎的经营理念不动摇，将"五要五不"内化于心、外化于行。 为落实中国特色金融文化建设、深化"五型总部"建设，4月12日，齐鲁银行"见贤思齐登山小鲁——齐鲁 大讲堂"正式揭牌，旨在通过"以讲促学、以学促思、以思促行"，全面提升员工政治素养、专业能力和 创新思维，为齐鲁银行战略落地和高质量发展注入强劲动能。结合自身实际，齐鲁银行打造了特色"宣 传文化墙"，组织全体党员认真学习中国特色金融文化，开展交流研讨活动，做好深化、内化、转化文 章；依托"灯塔"山东党员网络学院、"齐鲁e学"以及各类宣传媒介，组织"我来讲党课""我来讲党务"等活 动，围绕重大主题、重点工作、重要节点开展系列特色宣讲。 通过系列活动的举办，齐鲁银行内部形成了弘扬中国特色金 ...

Core Viewpoint - Qilu Bank has demonstrated balanced and coordinated development in scale, efficiency, and quality, achieving significant improvements in asset quality and delivering a high-quality development report for 2024 [1] Financial Performance - Total assets of Qilu Bank reached 6895.39 billion yuan, a year-on-year increase of 14.01% [2] - Operating income was 12.496 billion yuan, up 4.55% year-on-year, while net profit attributable to shareholders was 4.986 billion yuan, reflecting a 17.77% increase [1][2] - The bank's loan total was 3371.42 billion yuan, growing by 12.31%, and deposits reached 4395.41 billion yuan, increasing by 10.42% [2] Asset Quality Improvement - Non-performing loan ratio decreased to 1.19%, down 0.07 percentage points from the previous year [3] - The coverage ratio for provisions rose to 322.38%, an increase of 18.80 percentage points, indicating enhanced risk mitigation capabilities [3] Business Structure Optimization - Qilu Bank's net interest income was 9.031 billion yuan, a 1.73% increase, while non-interest income grew by 12.70% to 3.465 billion yuan [2] - The proportion of fee and commission income in total revenue increased by 0.76 percentage points to 10.12% [2] Shareholder Returns - The bank has a consistent cash dividend policy, proposing a cash dividend of 1.39 yuan per 10 shares for 2024, marking a 21% increase from the previous year [4] - Qilu Bank's stock price has seen significant appreciation, ranking among the top in A-share listed banks [4] Innovation and Strategic Focus - The bank focuses on serving urban and rural residents, small and medium enterprises, and local economic development, with a strong emphasis on inclusive finance, green finance, and technology finance [5][6] - Qilu Bank's inclusive finance loans reached 747.04 billion yuan, growing by 13.97%, with an average interest rate of 4.27% [6] Digital Transformation - Qilu Bank is actively embracing digital transformation, enhancing customer engagement and operational efficiency through data analysis and automation [9][10] - The bank has developed a digital talent framework and is fostering a team of over 500 data analysts to support its digital initiatives [11] Social Responsibility - The bank is committed to supporting local economic development, with a 15.51% increase in corporate loan balances and a 46.64% rise in loans to technology enterprises [12] - Qilu Bank has launched various initiatives to promote rural revitalization and enhance its corporate culture [13] Future Outlook - Qilu Bank aims to strengthen its market competitiveness and enhance its strategic business pillars by focusing on steady progress and innovation [14]