齐鲁银行股份有限公司 2024 年 12 月 31 日 内部控制审计报告 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 内部控制审计报告 毕马威华振审字第 2512047 号 齐鲁银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计了齐鲁银行 股份有限公司（以下简称"齐鲁银行"）2024 年 12 月 31 日的财务报告内部控制的有效性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评 ...

齐鲁银行股份有限公司 独立董事 2024 年度述职报告 二〇二五年四月 独立董事 2024 年度述职报告 （陈进忠） 作为齐鲁银行股份有限公司（以下简称"公司"）的独立董事，根 据《上市公司独立董事管理办法》及《上海证券交易所上市公司自 律监管指引第1号——规范运作》，现将本人2024年度履职情况报告 如下。 一、基本情况 （一）工作履历、专业背景以及兼职情况 本人陈进忠，1960年4月出生，中国国籍，无境外永久居留权， 博士研究生，高级经济师，现任公司独立董事。历任河北银行学校 教师；河北保定金融高等专科学校金融系副主任、讲师，办公室主 任、副教授；中国人民银行河北保定分行副行长；中国民生银行总 行人力资源部副处长，总行办公室处长、主任助理、副总经理（主 持工作）、总经理，第四届、第五届监事会监事，北京管理部党委 书记、总经理，总行党委委员、纪委书记兼人力资源部总经理、党 委组织部部长，总行党委委员、纪委书记。2020年9月起任公司独立 董事。 本人符合相关法律法规规章关于上市公司和商业银行独立董事 任职资格条件的规定，已经上交所备案审查，并获得银行业监督管 理机构任职资格核准。 2 （二）不存在影响独立性 ...

齐鲁银行股份有限公司董事会 关于独立董事独立性情况的专项意见 根据《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》《上海证券交易所上市公司自律监管指引第 1 号—— 规范运作》等要求，结合独立董事独立性自查情况，齐鲁银行股 份有限公司董事会就在任独立董事陈进忠、卫保川、王庆彬、刘 宁宇、张骅月的独立性情况进行评估并出具如下专项意见： 经核查独立董事陈进忠、卫保川、王庆彬、刘宁宇、张骅月 的任职情况以及签署的相关自查文件，上述人员符合相关法律法 规、规范性文件及公司章程中关于独立董事任职独立性的要求， 不存在任何妨碍其进行独立客观判断的关系，不存在影响独立董 事独立性的情况。 齐鲁银行股份有限公司董事会 2025 年 4 月 24 日 ...

齐鲁银行（601665）公告，2024年营业收入124.96亿元，同比增长4.55%。归属于上市公司股东的净利 润49.86亿元，同比增长17.77%。董事会决议通过的利润分配预案为每10股派发现金股利人民币1.39元 (含税)。 ...

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-007 可转债代码：113065 可转债简称：齐鲁转债 齐鲁银行股份有限公司 关于召开 2024 年度暨 2025 年第一季度 业绩说明会的公告 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。 重要内容提示： 投资者可于 2025 年 4 月 22 日（星期二）至 4 月 28 日（星期一）16:00 前 登录上证路演中心网站首页点击"提问预征集"栏目或通过齐鲁银行股份有 限公司（以下简称"公司"）投资者沟通邮箱（ir@qlbchina.com）进行提问。 公司将在业绩说明会上对投资者普遍关注的问题进行回答。 公司拟于 2025 年 4 月 26 日在上海证券交易所网站（www.sse.com.cn）披露 2024 年年度报告和 2025 年第一季度报告，为便于广大投资者更全面深入地了解 公司经营成果、财务状况等，公司计划于 2025 年 4 月 29 日（星期二）上午 10:00- 11:30 举行 2024 年度暨 2025 年第一季度业绩说明会，就投资者关心 ...

Core Points - Qilu Bank's stock price increased by 1.17% to 6.03 yuan as of March 28, 2025, with a market capitalization of 29.929 billion yuan [1] - The bank's stock reached a high of 6.13 yuan and a low of 5.95 yuan during the week [1] Company Announcements Summary - As of March 31, 2025, a total of 1,395,536,000 yuan of "Qilu Convertible Bonds" have been converted into A-shares, representing 5.5491% of the total A-shares before conversion [1] - The unconverted amount of "Qilu Convertible Bonds" stands at 6,604,464,000 yuan, which is 82.5558% of the total issuance [1] - From January 1 to March 31, 2025, 160,000 yuan of "Qilu Convertible Bonds" were converted into A-shares, totaling 31,079 shares [1] - The "Qilu Convertible Bonds" were publicly issued on November 29, 2022, with a total issuance of 8 billion yuan and a maturity of 6 years [1] - The bonds have been trading on the Shanghai Stock Exchange since December 19, 2022, with a conversion price of 5.14 yuan per share starting from June 5, 2023 [1] - The total number of unrestricted circulating shares increased from 4,834,996,988 to 4,835,028,067 shares as of March 31, 2025, leading to a corresponding increase in total share capital [1]

证券代码：601665 证券简称：齐鲁银行 公告编号：2025-006 可转债代码：113065 可转债简称：齐鲁转债 齐鲁银行股份有限公司 可转债转股结果暨股份变动公告 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。 重要内容提示： 累计转股情况：截至 2025 年 3 月 31 日，累计共有人民币 1,395,536,000 元"齐鲁转债"转为齐鲁银行股份有限公司（以下简称"公司"）A 股普通股股 票，累计转股股数为 254,194,733 股，占"齐鲁转债"转股前公司已发行 A 股普 通股股份总额的 5.5491%。 未转股可转债情况：截至 2025 年 3 月 31 日，尚未转股的"齐鲁转债" 金额为人民币 6,604,464,000 元，占"齐鲁转债"发行总量的比例为 82.5558%。 本季度转股情况：自 2025 年 1 月 1 日至 2025 年 3 月 31 日，共有人民币 160,000 元"齐鲁转债"转为公司 A 股普通股股票，转股股数为 31,079 股。 经上海证券交易所自律监管决定书〔2022〕34 ...

Group 1 - Qilu Bank has been operating in Tianjin for nearly 20 years, integrating its culture with the local economy and focusing on human-centered financial services [1][10] - The bank emphasizes the importance of talent in financial risk management, prioritizing people over traditional risk indicators [1][4] - Qilu Bank has provided timely financial support to small and micro enterprises, exemplified by its quick response to Tianjin Runchen Precision Technology Co., Ltd.'s funding needs [1][6] Group 2 - Tianjin Runchen, with an annual output value of approximately 800 million yuan, faces increased funding demands due to economic pressures and delayed payments from downstream clients [2][3] - The bank's approach includes thorough pre-loan investigations, assessing financial data and the business philosophy of company leaders [4][5] - Qilu Bank approved a 10 million yuan unsecured credit loan for Runchen within five working days, showcasing its efficient loan processing [4][8] Group 3 - Qilu Bank is pioneering the use of patents as collateral for loans, supporting technology-driven enterprises like Tianjin Huanbo New Materials Co., Ltd. [7][8] - The bank has established a green channel for rapid loan approvals, focusing on the future growth potential of technology companies rather than traditional collateral [8][9] - As of the end of 2024, Qilu Bank has supported 149 technology enterprises, aiming to enhance financial support for small and medium-sized tech firms [9][10] Group 4 - Qilu Bank's total assets approached 700 billion yuan by the end of 2024, reflecting a 14.01% increase from the beginning of the year [10][11] - The bank's net profit for 2024 reached 4.986 billion yuan, a year-on-year increase of 17.77% [11] - The bank's non-performing loan ratio improved to 1.19%, with a provision coverage ratio of 322.38%, indicating enhanced asset quality [11]

Group 1 - The banking sector showed significant gains on the 18th, with Qilu Bank rising nearly 4%, and other banks like Xiamen Bank, Qingnong Commercial Bank, CITIC Bank, and China Bank all increasing over 2% [1] - Notably, major banks such as Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and Agricultural Bank of China reached new highs during the trading session [1] - According to CITIC Securities, the preliminary reports for 2024 indicate stable overall operations for listed banks, with strong credit growth in January and effective early investment strategies contributing to stable interest margins [1] Group 2 - The banking sector has shown signs of stabilization and recovery since last week, reflecting a return to investment logic based on fundamentals [1] - The core drivers for investment in the banking sector in the first half of 2025 will stem from a reassessment of business models, with expectations for absolute returns remaining positive in the current capital market environment [1] - Two main investment themes are recommended: 1) selecting stocks with stable performance, dividend rates, asset quality, and low valuation volatility; 2) focusing on companies with high ROE and strong certainty, where current valuation premiums are still low [1]

Investment Rating - The report maintains a "Buy" rating for Qilu Bank [1][5]. Core Views - Qilu Bank has consistently ranked among the top tier of listed banks in terms of growth rate, indicating sustainable growth potential as a city commercial bank. The bank's expansion of branches, increased market share in local lending, steady performance growth, and continuous improvement in asset quality form a clear operational logic [3][8]. - The bank's dividend payout ratio has increased to 27.6% for the first half of 2024, with an expected annual dividend yield of 4.6%. Revenue growth is projected at 4.5% year-on-year for 2025, while net profit attributable to shareholders is expected to grow by 11.5% year-on-year [3][8]. - The current valuation stands at 0.64 times the 2025 price-to-book ratio (PB) and 5.4 times the 2025 price-to-earnings ratio (PE), with the current stock price approximately 15% away from the mandatory redemption price of convertible bonds [3][8]. Summary by Sections Financial Performance - Qilu Bank reported a revenue growth of 4.6% year-on-year for 2024, with a quarterly growth of 5.5%. The net profit attributable to shareholders increased by 17.8% year-on-year, with a quarterly growth of 19.1%. The non-performing loan ratio decreased significantly by 4 basis points to 1.19%, with an annual decline of 7 basis points. The provision coverage ratio rose by 9.6 percentage points to 322% [3][4][8]. Loan Growth and Market Position - By the end of 2024, Qilu Bank's loans increased by 12.3% compared to the beginning of the year, with a quarterly growth of 1.4%. The expansion of branches in Heze and Zibo is expected to enhance the bank's market share in external loans. The bank's focus on corporate loans remains strong, with inclusive small and micro loans maintaining a 22% share [3][8]. Revenue and Profitability - The bank's net interest income was impacted by a significant decline in net interest margin, which fell by 2.1% year-on-year in the first three quarters. However, a recovery is anticipated in Q4 2023, leading to positive growth in net interest income. Non-interest income is expected to benefit from strong performance in the bond market [3][8]. Asset Quality - Qilu Bank has seen a continuous decline in non-performing loans and attention rates, achieving record lows since its listing. The bank's exposure to real estate loans is minimal, with only 1.34% of corporate loans allocated to this sector, indicating a lower risk profile compared to the industry [3][8].