Qilu Bank Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	21,663	20,975	19,612	17,980	15,880	13,346
Interest Paid on Deposits	11,486	11,944	10,735	9,405	8,395	6,933
Net Interest Income	10,177	9,031	8,877	8,575	7,485	6,414
Net Interest Income Growth (YoY)	16.51%	1.73%	3.53%	14.56%	16.71%	9.12%
Gain (Loss) on Sale of Assets	35.14	-0.48	-7.95	-3.64	403.62	-4.24
Gain (Loss) on Sale of Investments	284.88	-	-	-	-	-
Gain (Loss) on Sale of Equity Investments	159.58	151.2	152.13	122.61	103.24	90.98
Other Non-Interest Income	2,144	3,180	2,688	2,275	2,122	1,429
Total Non-Interest Income	2,624	3,331	2,832	2,393	2,629	1,516
Non-Interest Income Growth (YoY)	-21.94%	17.63%	18.31%	-8.94%	73.38%	-0.32%
Revenues Before Loan Losses	12,801	12,362	11,709	10,968	10,114	7,930
Provision for Loan Losses	3,543	3,627	4,145	4,151	4,051	2,726
Revenue	9,258	8,734	7,565	6,817	6,063	5,204
Revenue Growth (YoY)	13.33%	15.46%	10.96%	12.44%	16.52%	5.25%
Selling, General & Administrative	3,576	3,413	3,146	2,917	2,660	2,277
Other Non-Interest Expense	159.4	296.17	239.52	143.77	135.93	84.38
Total Non-Interest Expense	3,734	3,712	3,394	3,061	2,796	2,361
EBT Excluding Unusual Items	5,523	5,022	4,170	3,757	3,267	2,842
Other Unusual Items	134.1	134.1	242.75	112.22	72.89	40.8
Pretax Income	5,657	5,157	4,413	3,869	3,340	2,883
Income Tax Expense	160.05	211.79	143.94	237.9	267.67	338.33
Earnings From Continuing Operations	5,497	4,945	4,269	3,631	3,072	2,545
Minority Interest in Earnings	10.18	41.53	-35.33	-43.54	-36.61	-25.91
Net Income	5,507	4,986	4,234	3,587	3,036	2,519
Preferred Dividends & Other Adjustments	329	329	255	255	237	102
Net Income to Common	5,178	4,657	3,979	3,332	2,799	2,417
Net Income Growth	16.22%	17.77%	18.02%	18.18%	20.52%	7.75%
Basic Shares Outstanding	5,041	4,824	4,592	4,581	4,352	4,123
Diluted Shares Outstanding	6,217	6,038	5,952	4,694	4,352	4,123
Shares Change (YoY)	4.33%	1.45%	26.79%	7.87%	5.56%	-
EPS (Basic)	1.03	0.97	0.87	0.73	0.64	0.59
EPS (Diluted)	0.86	0.80	0.70	0.71	0.64	0.59
EPS Growth	9.69%	14.17%	-2.22%	11.39%	9.18%	8.56%
Dividend Per Share	0.260	0.266	0.220	0.186	0.184	0.180
Dividend Growth	-25.07%	20.91%	18.28%	1.09%	2.22%	14.65%
Effective Tax Rate	2.83%	4.11%	3.26%	6.15%	8.01%	11.73%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.