Qingdao Rural Commercial Bank Co., Ltd. (SHE:002958)

SHE:002958 Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	25,674	19,412	14,114	13,296	13,873	16,600
Investment Securities	152,558	184,245	170,888	149,446	149,717	147,577
Trading Asset Securities	47,971	982.75	4,017	7,808	6,954	5,296
Total Investments	200,529	185,228	174,904	157,254	156,671	152,873
Gross Loans	285,573	276,004	264,130	249,096	243,092	220,073
Allowance for Loan Losses	-11,644	-11,956	-11,015	-10,923	-9,360	-8,745
Net Loans	273,929	264,047	253,115	238,173	233,732	211,328
Property, Plant & Equipment	3,488	3,665	3,866	4,124	4,256	3,786
Other Intangible Assets	69.39	71.08	77.25	79.53	80.51	83.06
Investments in Real Estate	0.01	0.01	0.02	0.07	0.07	0.2
Accrued Interest Receivable	-	1,002	1,073	1,088	844.19	1,095
Other Receivables	-	-	-	-	-	83.87
Restricted Cash	-	15,795	15,408	16,162	17,298	17,822
Other Current Assets	-	-	-	-	-	182.25
Long-Term Deferred Tax Assets	5,953	5,483	4,969	4,215	3,270	2,551
Other Real Estate Owned & Foreclosed	-	-	-	-	-	152.78
Other Long-Term Assets	278.66	328.87	409.73	400.53	412.82	108.88
Total Assets	509,920	495,032	467,937	434,791	430,438	406,811
Accrued Expenses	1,987	1,425	1,213	983.02	858.43	801.88
Interest Bearing Deposits	339,159	237,900	217,890	194,770	176,312	154,404
Non-Interest Bearing Deposits	-	84,756	84,356	91,335	94,063	100,467
Total Deposits	339,159	322,657	302,246	286,105	270,375	254,871
Short-Term Borrowings	30,231	36,286	25,747	16,272	21,400	27,828
Current Portion of Long-Term Debt	11,244	66,697	77,538	78,370	84,331	72,160
Current Portion of Leases	-	84.03	94.27	98.87	77.78	-
Current Income Taxes Payable	593.56	61.05	125.36	330.21	657.16	619.02
Accrued Interest Payable	-	7,257	7,230	6,542	5,404	4,139
Other Current Liabilities	278.42	307.53	440.18	1,005	319.3	291.19
Long-Term Debt	77,900	17,136	12,008	6,865	9,707	13,878
Long-Term Leases	188.45	122.7	117.72	156.42	159.27	-
Long-Term Unearned Revenue	-	274.59	292.06	303.91	284.93	306.05
Pension & Post-Retirement Benefits	-	924.4	947	978.03	1,015	977.64
Other Long-Term Liabilities	1,175	688.99	888.68	300.96	798.75	1,237
Total Liabilities	462,756	453,921	428,888	398,309	395,388	377,109
Common Stock	5,556	5,556	5,556	5,556	5,556	5,556
Additional Paid-In Capital	3,775	3,827	3,818	3,818	3,818	3,818
Retained Earnings	27,062	24,556	22,496	20,169	18,649	16,513
Comprehensive Income & Other	10,763	6,809	6,240	6,031	6,142	2,956
Total Common Equity	47,156	40,747	38,110	35,574	34,164	28,842
Minority Interest	7.9	363.98	938.72	908.57	885.67	860.71
Shareholders' Equity	47,164	41,111	39,049	36,483	35,050	29,702
Total Liabilities & Equity	509,920	495,032	467,937	434,791	430,438	406,811
Total Debt	119,563	120,326	115,505	101,762	115,675	113,865
Net Cash (Debt)	-28,670	-85,782	-91,985	-75,172	-93,078	-76,682
Net Cash Per Share	-4.27	-12.73	-13.65	-11.20	-14.48	-13.12
Filing Date Shares Outstanding	5,556	5,556	5,556	5,556	5,556	5,556
Total Common Shares Outstanding	5,556	5,556	5,556	5,556	5,556	5,556
Book Value Per Share	6.69	6.44	5.96	6.40	6.15	5.19
Tangible Book Value	47,086	40,676	38,033	35,495	34,084	28,759
Tangible Book Value Per Share	6.68	6.42	5.95	6.39	6.14	5.18

Source: S&P Global Market Intelligence. Banks template. Financial Sources.