Qilu Bank Balance Sheet

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
Cash & Equivalents	34,989	12,998	11,775	14,425	16,176	13,839
Investment Securities	323,375	269,739	229,268	178,980	154,786	128,905
Trading Asset Securities	41,186	45,590	37,035	29,610	22,609	23,131
Total Investments	364,562	315,329	266,303	208,590	177,395	152,037
Gross Loans	385,672	339,942	302,293	259,112	217,322	172,524
Allowance for Loan Losses	-14,659	-12,304	-11,042	-8,992	-7,024	-4,912
Net Loans	371,013	327,638	291,252	250,119	210,299	167,613
Property, Plant & Equipment	2,375	2,494	2,561	2,581	2,693	1,018
Other Intangible Assets	23.67	36.85	26.92	27.79	20.26	42.5
Accrued Interest Receivable	-	723.09	732.55	702.4	672.79	622.26
Other Receivables	-	-	-	85.17	87.81	146.88
Restricted Cash	-	26,290	27,620	25,483	22,933	21,223
Other Current Assets	-	167.4	276.71	1.78	7.57	517.88
Long-Term Deferred Tax Assets	4,484	3,098	3,707	3,448	2,535	2,289
Other Real Estate Owned & Foreclosed	-	56.82	224.96	347.71	363.58	452.07
Other Long-Term Assets	1,257	509.78	122.71	76.07	103.22	246.48
Total Assets	778,703	689,539	604,816	506,013	433,414	360,232
Accrued Expenses	2,777	1,955	1,646	1,547	1,433	1,732
Interest Bearing Deposits	510,764	331,895	282,803	266,771	219,343	178,599
Non-Interest Bearing Deposits	-	123,233	128,009	92,659	84,440	77,211
Total Deposits	510,764	455,127	410,812	359,430	303,783	255,810
Short-Term Borrowings	37,730	96,099	64,021	40,325	41,287	41,531
Current Portion of Leases	-	169.7	145.22	132.66	157.35	-
Current Income Taxes Payable	696.38	44.93	285.96	676.05	412.27	417.72
Accrued Interest Payable	-	9,558	10,062	7,822	5,492	4,299
Other Current Liabilities	387.69	1,079	86.32	78.08	96.81	95.75
Long-Term Debt	170,998	75,050	74,743	59,334	47,099	28,465
Long-Term Leases	588.98	408.85	434.38	391.24	427.54	-
Pension & Post-Retirement Benefits	-	191.15	195.95	249.14	244.61	228.76
Other Long-Term Liabilities	2,002	1,521	560.71	438.46	376.94	352.94
Total Liabilities	725,944	641,204	562,992	470,424	400,809	332,934
Preferred Stock, Redeemable	-	-	-	-	-	1,998
Common Stock	6,154	4,835	4,708	4,581	4,581	4,123
Additional Paid-In Capital	15,134	9,470	8,880	8,305	8,305	6,349
Retained Earnings	24,955	21,884	18,905	15,769	13,265	11,291
Comprehensive Income & Other	6,366	11,919	9,061	6,647	6,206	3,322
Total Common Equity	52,610	48,108	41,554	35,302	32,357	25,084
Minority Interest	149.23	227.62	269.14	286.78	248.15	216.45
Shareholders' Equity	52,759	48,335	41,823	35,589	32,605	27,299
Total Liabilities & Equity	778,703	689,539	604,816	506,013	433,414	360,232
Total Debt	209,317	171,728	139,344	100,183	88,970	69,996
Net Cash (Debt)	-104,704	-100,602	-75,094	-52,778	-46,701	-28,289
Net Cash Per Share	-16.84	-16.66	-12.62	-11.24	-10.73	-6.86
Filing Date Shares Outstanding	6,154	4,835	4,708	4,581	4,581	4,123
Total Common Shares Outstanding	6,154	4,835	4,708	4,581	4,581	4,123
Book Value Per Share	7.82	8.40	7.23	6.51	5.86	5.36
Tangible Book Value	52,586	48,071	41,527	35,275	32,336	25,042
Tangible Book Value Per Share	7.81	8.39	7.23	6.50	5.86	5.35

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