QILU BANK(601665)2024-12-20 08:23Group 1: Financial Outlook - The bank anticipates downward pressure on net interest margin in the coming year due to factors such as declining interest rates on new loans and adjustments to existing mortgage rates [1] - The bank aims to optimize its asset-liability structure and enhance management to maintain a reasonable net interest margin [1] Group 2: Dividend Policy - The bank has established a stable and predictable dividend mechanism, with cash dividends increasing annually since its listing in 2021, totaling CNY 3.583 billion [1] - The bank plans to respond to calls from the State Council and the China Securities Regulatory Commission to increase the frequency of dividend distributions, aiming for implementation of mid-year profit distribution in 2024 [1]