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酒泉市(玉门市、敦煌市、阿克塞哈萨克族自治县、金塔县、肃州区、瓜州县、肃北蒙古族自治县)焦作市(修武县、中站区、武陟县、解放区、温县、沁阳市、博爱县、马村区、孟州市、山阳区)








玉溪市(江川区、元江哈尼族彝族傣族自治县、通海县、易门县、红塔区、澄江市、华宁县、峨山彝族自治县、新平彝族傣族自治县)








辽源市(东辽县、西安区、东丰县、龙山区)








漯河市(临颍县、召陵区、源汇区、舞阳县、郾城区)








吉林市(桦甸市、船营区、永吉县、龙潭区、磐石市、舒兰市、昌邑区、蛟河市、丰满区)








周口市(淮阳区、鹿邑县、郸城县、川汇区、西华县、项城市、太康县、沈丘县、扶沟县、商水县)








蚌埠市(龙子湖区、禹会区、怀远县、蚌山区、淮上区、五河县、固镇县)








茂名市(茂南区、高州市、化州市、电白区、信宜市)








安庆市(宿松县、望江县、迎江区、桐城市、太湖县、宜秀区、岳西县、怀宁县、潜山市、大观区)








株洲市(石峰区、渌口区、醴陵市、荷塘区、攸县、天元区、茶陵县、芦淞区、炎陵县)








娄底市(娄星区、冷水江市、涟源市、双峰县、新化县)








七台河市(桃山区、茄子河区、勃利县、新兴区)








白山市(靖宇县、长白朝鲜族自治县、浑江区、抚松县、江源区、临江市)








中山市








松原市(宁江区、乾安县、长岭县、扶余市、前郭尔罗斯蒙古族自治县)








香港特别行政区








吉安市(永丰县、万安县、泰和县、青原区、吉安县、峡江县、遂川县、永新县、吉水县、井冈山市、新干县、吉州区、安福县)

  来源:城商行研究

  2025年一季度,齐鲁银行总资产突破7164亿元,同比增长3.9%,连续第5个季度保持资产规模扩张;净利润同比增长15.69%至13.64亿元,在上市银行中增速位居前列。这份成绩单的背后,是这家扎根山东的城商行对“攻守平衡”的深刻理解——以“攻”拓增量,以“守”固根基,在区域经济浪潮中走出了一条高质量发展之路。

  攻:县域金融、绿色转型与数字服务的“三重引擎” 

  1.县域经济深挖潜力 

  2024年,齐鲁银行县域存款、贷款余额分别增长11.23%、13.84%,县域客户突破210万户。通过新设菏泽、淄博分行,该行将服务触角延伸至县域经济毛细血管,仅2024年就为超12%的山东小微企业提供信贷支持。这种“下沉战略”既契合山东省“走在前、挑大梁”的发展导向,也为其带来稳定利差空间。

  2.绿色金融与科创突围 

  在传统息差承压的背景下,齐鲁银行将绿色贷款、科创贷款作为新增长极。2024年金融市场业务贡献营收28.32%,其中绿色贷款增速显著,支撑第四季度净利润同比飙升19.14%。通过债券波段交易和利率债承销,该行在金融市场波动中捕捉到结构性机会。

  3.数字化服务擦亮品牌 

  “一根电话线”的故事成为服务标杆:2025年春节,远程银行团队连夜协调多个部门,解决企业农民工工资发放难题。这种“金融为民”的温度,推动该行零售贷款显著增长,中高端客户占比提升,“泉心理财”等特色产品获评“杰出资产管理银行”奖项。

  守:六年降不良背后的“三重防线” 

  1.风险管控的“铁三角” 

  齐鲁银行不良率连续6年下降,从2018年的1.36%压降至2025年一季度的1.17%。其秘诀在于:贷前审查的“火眼金睛”(如对异地业务的严格准入)、贷中监控的“数据雷达”(数字化风控系统)、贷后管理的“长尾服务”(存量不良清收团队)。例如,济南本地不良率仅0.64%,显著优于异地分支机构。

  2.资本充足构筑安全垫 

  截至2024年末,该行核心一级资本充足率达10.26%,2022年发行的可转债已有17.44%完成转股,为后续扩张储备弹药。高拨备覆盖率(322.38%)和审慎的异地业务策略(如严控天津分行风险),让其在经济波动中保持韧性。

  3.股东回报的长期主义 

  2024年每股派息0.347元,股息率超6%;上市以来累计分红41.98亿元,达IPO募资额的1.7倍。这种“真金白银”的回馈,既是对股东的承诺,也反哺了市场信心。

  未来棋局:如何在“攻守转换”中行稳致远? 

  机遇:山东省新旧动能转换带来基建、制造业升级需求;绿色金融、县域金融政策红利持续释放。 

  挑战:市场利率下行可能压缩息差;异地业务风险仍需警惕(如天津分行不良率较高)。 

  从“守”住风险底线,到“攻”向价值高地,齐鲁银行用六年时间证明:真正的稳健不是止步不前,而是在动态平衡中实现螺旋上升。当区域银行普遍面临增长焦虑时,这家7000亿城商行以“攻守有道”的实践,为行业提供了“既要规模,更要质量”的鲜活样本。 

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