Qilu Bank Co., Ltd. (SHA:601665)

Qilu Bank Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	4,986	4,234	3,587	3,036
Depreciation & Amortization	332.55	333.48	308.57	241.11
Other Amortization	89.14	76.74	74.12	96
Gain (Loss) on Sale of Assets	41.63	7.51	3.64	-405.71
Gain (Loss) on Sale of Investments	-263.44	-103.1	-65.61	-170.73
Total Asset Writedown	140	102.6	20	20.57
Provision for Credit Losses	3,627	4,145	4,151	4,051
Change in Other Net Operating Assets	9,507	20,500	20,054	21,391
Other Operating Activities	387.25	56.21	511.14	622.34
Operating Cash Flow	18,711	28,974	27,816	28,531
Operating Cash Flow Growth	-35.42%	4.16%	-2.51%	59.02%
Capital Expenditures	-245.27	-278.11	-193.22	-227.34
Sale of Property, Plant and Equipment	8.45	0.57	0.65	4.53
Cash Acquisitions	-	-31.22	-	-
Investment in Securities	-40,119	-42,593	-30,963	-28,250
Other Investing Activities	1,245	1,143	595.63	657.64
Investing Cash Flow	-39,111	-41,759	-30,560	-27,815
Long-Term Debt Issued	128,055	65,971	47,606	51,669
Long-Term Debt Repaid	-106,030	-43,910	-44,180	-50,900
Net Debt Issued (Repaid)	22,025	22,061	3,426	769.4
Issuance of Common Stock	-	2,000	-	4,916
Preferred Share Repurchases	-	-	-	-2,000
Common Dividends Paid	-2,016	-1,671	-1,813	-
Total Dividends Paid	-2,016	-1,671	-1,813	-1,697
Other Financing Activities	-169.44	-152.8	-170.97	-131.56
Financing Cash Flow	19,840	22,237	1,442	1,857
Foreign Exchange Rate Adjustments	5.93	13.19	53.84	-36.53
Net Cash Flow	-554.95	9,466	-1,247	2,537
Free Cash Flow	18,466	28,695	27,623	28,304
Free Cash Flow Growth	-35.65%	3.88%	-2.40%	60.95%
Free Cash Flow Margin	211.41%	379.34%	405.19%	466.82%
Free Cash Flow Per Share	3.06	4.82	5.88	6.50
Cash Interest Paid	10,692	7,373	5,886	5,899
Cash Income Tax Paid	2,151	2,004	1,830	1,522

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.