Qilu Bank Cash Flow 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
Net Income	5,507	4,986	4,234	3,587	3,036	2,519
Depreciation & Amortization	332.55	332.55	333.48	308.57	241.11	108.67
Other Amortization	89.14	89.14	76.74	74.12	96	92.6
Gain (Loss) on Sale of Assets	41.63	41.63	7.51	3.64	-405.71	-2.23
Gain (Loss) on Sale of Investments	-263.44	-263.44	-103.1	-65.61	-170.73	-20.56
Total Asset Writedown	140	140	102.6	20	20.57	6.62
Provision for Credit Losses	3,627	3,627	4,145	4,151	4,051	2,726
Change in Other Net Operating Assets	9,507	9,507	20,500	20,054	21,391	12,168
Other Operating Activities	8,430	387.25	56.21	511.14	622.34	648.9
Operating Cash Flow	27,274	18,711	28,974	27,816	28,531	17,941
Operating Cash Flow Growth	22.86%	-35.42%	4.16%	-2.51%	59.02%	81.75%
Capital Expenditures	-233.5	-245.27	-278.11	-193.22	-227.34	-356.05
Sale of Property, Plant and Equipment	114.52	8.45	0.57	0.65	4.53	2.76
Cash Acquisitions	-88.49	-	-31.22	-	-	-
Investment in Securities	-46,979	-40,119	-42,593	-30,963	-28,250	-19,608
Other Investing Activities	1,360	1,245	1,143	595.63	657.64	436.07
Investing Cash Flow	-45,826	-39,111	-41,759	-30,560	-27,815	-19,525
Long-Term Debt Issued	-	128,055	65,971	47,606	51,669	41,720
Long-Term Debt Repaid	-	-106,030	-43,910	-44,180	-50,900	-42,164
Net Debt Issued (Repaid)	35,242	22,025	22,061	3,426	769.4	-444.3
Issuance of Common Stock	-	-	2,000	-	4,916	2,999
Preferred Share Repurchases	-	-	-	-	-2,000	-
Common Dividends Paid	-2,205	-2,016	-1,671	-1,813	-	-
Total Dividends Paid	-2,205	-2,016	-1,671	-1,813	-1,697	-1,265
Other Financing Activities	-199.46	-169.44	-152.8	-170.97	-131.56	-
Financing Cash Flow	32,838	19,840	22,237	1,442	1,857	1,290
Foreign Exchange Rate Adjustments	4.47	5.93	13.19	53.84	-36.53	-12.72
Net Cash Flow	14,291	-554.95	9,466	-1,247	2,537	-306.82
Free Cash Flow	27,041	18,466	28,695	27,623	28,304	17,585
Free Cash Flow Growth	23.10%	-35.65%	3.88%	-2.40%	60.95%	83.29%
Free Cash Flow Margin	292.09%	211.41%	379.34%	405.19%	466.82%	337.95%
Free Cash Flow Per Share	4.35	3.06	4.82	5.88	6.50	4.26
Cash Interest Paid	11,100	10,692	7,373	5,886	5,899	4,805
Cash Income Tax Paid	1,954	2,151	2,004	1,830	1,522	1,400

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