齐鲁银行股份有限公司董事会议事规则 （2025 年修订） 齐鲁银行股份有限公司董事会议事规则 第一章 总 则 第一条 为完善法人治理结构，提高董事会决策和监督的科 学性和规范化水平，根据《中华人民共和国公司法》《中华人民 共和国商业银行法》《银行保险机构公司治理准则》《上市公司 治理准则》《上市公司独立董事管理办法》《上海证券交易所股 票上市规则》等相关法律、法规、规章以及《齐鲁银行股份有 限公司章程》（以下简称"本行章程"）的规定，制定本规则。 第二条 董事会下设董事会办公室负责董事会日常事务。 第二章 董事会的工作方式 第三条 董事会会议是董事会的主要工作方式。董事按规定 参加董事会会议是履行董事职责的基本方式。 董事会会议应严格按照规定的程序进行。董事会应按规定 的时间事先通知所有董事，并提供足够的资料，包括会议议题 的相关背景材料和有助于董事理解本行业务进展的信息和数据。 第四条 董事会决议可以采用现场会议表决和书面传签表 决两种方式作出，实行一人一票。现场会议是指通过现场、视 频、电话等能够保证参会人员即时交流讨论方式召开的会议。 书面传签是指通过分别送达审议或者传阅送达审议方式对议案 作出决议的会 ...

齐鲁银行股份有限公司股东会议事规则 （2025 年修订） 齐鲁银行股份有限公司股东会议事规则 第一章 总 则 第一条 为规范齐鲁银行股份有限公司（以下简称"本行"） 行为，保证股东会依法行使职权，根据《中华人民共和国公司法》 （以下简称《公司法》）《中华人民共和国证券法》《中华人民 共和国商业银行法》《优先股试点管理办法》《银行保险机构公 司治理准则》《上市公司章程指引》《上市公司股东会规则》及 《齐鲁银行股份有限公司章程》（以下简称"本行章程"）等有 关规定，制定本规则。 第二条 本规则适用于本行年度股东会和临时股东会，对本行 全体股东、股东代理人、本行董事、高级管理人员和列席股东会 会议的其它有关人员均具有约束力。 第三条 本行应当严格按照法律、行政法规、本行章程及本规 则的相关规定召开股东会，保证股东能够依法行使权利。 本行董事会应当切实履行职责，认真、按时组织股东会。本 行全体董事应当勤勉尽责，确保股东会正常召开和依法行使职权。 第四条 股东会是本行最高权力机构，在《公司法》和本行章 程规定的范围内行使职权。 第五条 股东会会议分为年度股东会和临时股东会。年度股东 会每年召开一次，应当于上一会计年度结 ...

齐鲁银行股份有限公司章程 （2025 年修订） | | | 齐鲁银行股份有限公司章程 第一章 总则 本行在济南市市场监督管理局注册登记，取得营业执照，统一社会 信用代码为 91370000264352296L。 本行英文全称为：QILU BANK CO.，LTD.，简称：QILU BANK， 英文缩写：QLB。 1 第一条 为维护齐鲁银行股份有限公司（以下简称"本行"）、股东、职工 和债权人的合法权益，规范本行的组织和行为，根据《中国共产党 章程》、《中华人民共和国公司法》（以下简称《公司法》）、《中 华人民共和国证券法》（以下简称《证券法》）、《中华人民共和 国中国人民银行法》、《中华人民共和国商业银行法》（以下简称 《商业银行法》）、《中华人民共和国银行业监督管理法》（以下 简称《银行业监管法》）及其他有关法律、行政法规、部门规章， 制定本章程。 第二条 本行依据国家有关规定，在重组原济南市区 16 家城市信用社和 1 家 城市信用社联社的基础上于 1996 年 6 月 5 日依法设立，设立时名称 为济南城市合作银行。1998 年更名为济南市商业银行股份有限公司， 简称济南市商业银行。2009 年更名为齐 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-079 齐鲁银行股份有限公司关于公司章程修订获得核准 及不再设立监事会的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 齐鲁银行股份有限公司（以下简称"公司"）于 2025 年 9 月 23 日召开的 2025 年第一次临时股东大会审议通过了《关于不再设立监事会的议案》《关于修订〈齐 鲁银行股份有限公司章程〉的议案》。 1 / 1 近日，公司收到《山东金融监管局关于齐鲁银行修改公司章程的批复》（鲁 金复〔2025〕608 号），国家金融监督管理总局山东监管局已核准公司修订的《齐 鲁银行股份有限公司章程》。核准后的公司章程全文详见上海证券交易所网站 （www.sse.com.cn）。 自公司章程获得核准之日起，公司监事会及监事依法撤销，《齐鲁银行股份 有限公司监事会议事规则》等与监事会或监事相关的公司治理制度废止，董事会 审计委员会行使《公司法》和监管制度规定的监事会职权。徐建国先生、孙建波 先生、李文峰先生、刘成安先生、宋锋先生不再担任本行监事。本行对各位监 ...

Core Viewpoint - Qilu Bank's stock price has shown fluctuations, with a current price of 5.73 CNY per share and a market capitalization of 35.26 billion CNY, reflecting a year-to-date increase of 7.63% and a recent decline over the past 20 days [1] Group 1: Stock Performance - On December 18, Qilu Bank's stock rose by 2.14%, with a trading volume of 173 million CNY and a turnover rate of 0.50% [1] - The stock has experienced a 1.06% increase over the last five trading days, a 5.91% decrease over the last 20 days, and a 2.87% increase over the last 60 days [1] Group 2: Financial Performance - For the period from January to September 2025, Qilu Bank reported operating revenue of 9.92 billion CNY, representing a year-on-year growth of 4.63%, and a net profit attributable to shareholders of 3.96 billion CNY, reflecting a year-on-year increase of 15.14% [2] - Cumulatively, Qilu Bank has distributed dividends totaling 4.87 billion CNY since its A-share listing, with 3.21 billion CNY distributed over the last three years [3] Group 3: Shareholder Information - As of September 30, 2025, Qilu Bank had 56,100 shareholders, an increase of 30.16% from the previous period, with an average of 109,647 circulating shares per shareholder, a decrease of 7.07% [2] - The top ten circulating shareholders include Hong Kong Central Clearing Limited, holding 128 million shares, which is a decrease of 876,500 shares compared to the previous period [3] Group 4: Business Overview - Qilu Bank, established on June 5, 1996, and listed on June 18, 2021, is headquartered in Jinan, Shandong Province, and its main business segments include corporate banking (59.83%), personal banking (22.81%), and fund operations (16.05%) [1]

Core Viewpoint - The A-share market has seen a broad increase in bank stocks, indicating positive market sentiment towards the banking sector [1] Group 1: Stock Performance - Suzhou Bank, Xiamen Bank, Shanghai Bank, Hangzhou Bank, Jiangyin Bank, China Construction Bank, and Chongqing Rural Commercial Bank all experienced gains exceeding 2% [1] - Zhangjiagang Bank, Nanjing Bank, Jiangsu Bank, Qilu Bank, Changsha Bank, Qingdao Bank, and Chongqing Bank saw increases close to 2% [1]

Core Viewpoint - The article announces the launch of the "Top Ten Outstanding Chairmen of City Commercial Banks for 2025" list by a well-known financial media platform, focusing on the comprehensive performance of major city commercial banks in China and highlighting key figures from these institutions [1]. Group 1: List of Outstanding Chairmen - The list includes the following chairmen: - Ge Renyu from Jiangsu Bank - Gu Jianzhong from Shanghai Bank - Xie Ning from Nanjing Bank - Guo Hao from Zhongyuan Bank - Zhao Xiaozhong from Changsha Bank - Yang Xiuming from Chongqing Bank - Yu Jianzhong from Tianjin Bank - Zheng Zugang from Qilu Bank - Zhou Zerong from Guangdong Huaxing Bank - Hong Pipa from Xiamen Bank [2][3]. Group 2: Evaluation Criteria - The evaluation for the list considered multiple factors, including the annual revenue, net profit, and performance scale of the banks for 2025, as well as the significant contributions and achievements of the executives [3]. - The rankings are not absolute and do not serve any commercial purpose; they aim to recognize outstanding companies and their leaders for their performance in 2025 [3].

Investment Rating - The industry investment rating is "Increase" (maintained) [2][21] Core Insights - The external environment and major power competition remain important starting points for policy, with increased confidence in addressing internal and external issues [4][11] - Fiscal policy will maintain a stable and more proactive stance, with a focus on domestic demand and innovation [4][12] - Monetary policy will continue to be moderately loose, emphasizing flexible decision-making and policy efficiency [4][12] - The regulatory approach for small and medium financial institutions has shifted from "risk resolution" to "quality improvement" [4][18] Summary by Sections Overall Thoughts - The report emphasizes that the external environment and major power competition are crucial for economic policy, with a more confident outlook on both internal and external challenges [4][11] Fiscal Policy - The fiscal policy will continue to be more proactive, focusing on maintaining stability. The emphasis will be on domestic demand and innovation, with a potential tightening of tax incentives and subsidies [4][12][18] Monetary Policy - The monetary policy will remain moderately loose, with a focus on flexible and efficient decision-making. The use of various policy tools, including adjustments to reserve requirements and interest rates, will be prioritized [4][12][18] Financial Regulation - The regulatory focus for small and medium financial institutions has transitioned to enhancing quality rather than merely resolving risks, indicating a shift towards reform and consolidation in the sector [4][18] Investment Recommendations - Investment strategies for bank stocks have shifted from "pro-cyclical" to "weak-cyclical," with a focus on high-dividend stability during economic downturns. Recommendations include regional banks with strong certainty and large banks with high dividends [4][20]

2025年12月12日，齐鲁银行（601665）发布公告称，为了向您提供更优质的金融服务，齐鲁银行对《齐 鲁银行信用卡现金分期业务条款及细则》进行修订，取消现金分期业务转入分期款项的借记卡账户必须 为"一类账户"的限制要求。新版业务协议自2025年12月15日起生效。如您对协议的内容有任何疑问，敬 请拨打齐鲁银行信用卡客服专线4001096588垂询。 ...

Investment Rating - The industry investment rating is "Overweight (Maintain)" [2] Core Viewpoints - The report indicates that the total social financing (社融) in November increased by 2.49 trillion yuan, which is 159.7 billion yuan more than the same period last year, exceeding the consensus expectation of 2.02 trillion yuan [5][8] - The cumulative social financing for the first eleven months shows a year-on-year growth of 8.5%, maintaining the same growth rate as in October [5][8] - The report highlights a structural differentiation in financing, with trust loans, bond financing, and unendorsed bank acceptance bills showing significant year-on-year increases, while credit and government bonds experienced declines [5][9] Summary by Sections Social Financing Situation - In November, social financing increased by 2.49 trillion yuan, with a year-on-year increase of 159.7 billion yuan, surpassing expectations [5][8] - The cumulative social financing for the first eleven months shows an 8.5% year-on-year increase, consistent with October's growth rate [5][8] Credit Situation - The report notes that the credit supply is lower than in previous years, with November's new RMB loans amounting to 405.3 billion yuan, which is 116.3 billion yuan less than the same month last year [5][12] - The credit balance grew by 6.4% year-on-year, with a slight decline in growth rate compared to the previous month [12] Liquidity and Deposit Situation - The report indicates that M1 growth has slowed, while M2 and M1's differential has slightly expanded [19] - In November, RMB deposits increased by 1.4 trillion yuan, which is 760 billion yuan less than the same period last year, with a year-on-year growth rate of 7.7% [21] Investment Recommendations - The report suggests a shift in the investment logic for bank stocks from "pro-cyclical" to "weak-cyclical," indicating that during periods of economic stagnation, high dividend yields from bank stocks will remain attractive [24] - Two main investment lines are recommended: regional banks with strong certainty and large banks with high dividend yields [24]