Qilu Bank Income Statement

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

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	-	-	20,975	19,612	17,980	15,880
Interest Paid on Deposits	-	-	11,944	10,735	9,405	8,395
Net Interest Income	13,881	13,135	9,031	8,877	8,575	7,485
Net Interest Income Growth	44.36%	45.45%	1.73%	3.53%	14.56%	16.71%
Gain (Loss) on Sale of Assets	-22.64	-	-0.48	-7.95	-3.64	403.62
Gain (Loss) on Sale of Equity Investments	-89.16	-	151.2	152.13	122.61	103.24
Other Non-Interest Income	56.92	-	3,180	2,688	2,275	2,122
Total Non-Interest Income	-54.89	-	3,331	2,832	2,393	2,629
Non-Interest Income Growth	-	-	17.63%	18.31%	-8.94%	73.38%
Revenues Before Loan Losses	13,826	13,135	12,362	11,709	10,968	10,114
Provision for Loan Losses	-52.4	-	3,627	4,145	4,151	4,051
Revenue	13,879	13,135	8,734	7,565	6,817	6,063
Revenue Growth	53.30%	50.39%	15.46%	10.96%	12.44%	16.52%
Selling, General & Administrative	179.85	-	3,413	3,146	2,917	2,660
Other Non-Interest Expense	7,417	7,359	296.17	239.52	143.77	135.93
Total Non-Interest Expense	7,602	7,362	3,712	3,394	3,061	2,796
EBT Excluding Unusual Items	6,276	5,773	5,022	4,170	3,757	3,267
Other Unusual Items	25.27	-	134.1	242.75	112.22	72.89
Pretax Income	6,302	5,773	5,157	4,413	3,869	3,340
Income Tax Expense	136.16	59.62	211.79	143.94	237.9	267.67
Earnings From Continuing Operations	6,165	5,713	4,945	4,269	3,631	3,072
Minority Interest in Earnings	-12.77	-	41.53	-35.33	-43.54	-36.61
Net Income	6,153	5,713	4,986	4,234	3,587	3,036
Preferred Dividends & Other Adjustments	-120	-	329	255	255	237
Net Income to Common	6,273	5,713	4,657	3,979	3,332	2,799
Net Income Growth	24.35%	22.68%	17.05%	19.40%	19.07%	15.80%
Basic Shares Outstanding	6,468	5,713	4,824	4,592	4,581	4,352
Diluted Shares Outstanding	6,468	5,713	6,038	5,952	4,694	4,352
Shares Change	6.34%	-5.38%	1.45%	26.79%	7.87%	5.56%
EPS (Basic)	0.97	1.00	0.97	0.87	0.73	0.64
EPS (Diluted)	0.96	1.00	0.80	0.70	0.71	0.64
EPS Growth	12.32%	25.66%	14.17%	-2.22%	11.39%	9.18%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.128	0.249	0.266	0.220	0.186	0.184
Dividend Growth	-50.69%	-6.32%	20.91%	18.28%	1.09%	2.22%
Effective Tax Rate	2.16%	1.03%	4.11%	3.26%	6.15%	8.01%