Cash flow Qingdao Rural Commercial Bank Co., Ltd.

Stocks

002958

CNE100003JQ6

Banks

End-of-day quote Shenzhen S.E. 18/09/2026			5-day change	1st Jan Change
2.960 ^CNY	0.00%		-1.33%	-4.52%

08-28	Qingdao Rural Commercial Bank Co., Ltd. Reports Earnings Results for the Half Year Ended June 30, 2026	CI
06-26	Qingdao Rural Commercial Bank Co., Ltd. Approves the Final Cash Dividend (A Shares) for the Year 2025, Payable on 08 July 2026	CI

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Published financial data: QINGDAO RURAL COMMERCIAL BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Interest Income On Loans	16.62B	16.59B	16.47B	16B	15.13B
Interest Income, Total	16.62B	16.59B	16.47B	16B	15.13B
Interest On Deposits	8.58B	8.75B	9.11B	8.77B	7.77B
Interest Expense, Total	8.58B	8.75B	9.11B	8.77B	7.77B
Net Interest Income	8.05B	7.84B	7.36B	7.22B	7.36B
Gain (Loss) on Sale of Assets	-1.73M	2.35M	27.14M	76.8M	41.04M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	122M	-6.81M	-123M	103M	1.17B
Total Other Non Interest Income	2B	1.95B	2.79B	3.52B	1.4B
Non Interest Income, Total	2.12B	1.95B	2.69B	3.7B	2.6B
Revenues Before Provison For Loan Losses	10.17B	9.79B	10.04B	10.92B	9.97B
Provision For Loan Losses	3.75B	4.7B	4.66B	5.11B	3.28B
Total Revenues	6.41B	5.09B	5.38B	5.8B	6.69B
Selling General & Admin Expenses, Total	3.01B	3.02B	3.27B	3.39B	3.66B
(Income) Loss on Real Estate Property	-	-	-	-13M	-
Total Other Non Interest Expense	112M	106M	113M	125M	134M
Non Interest Expense, Total	3.12B	3.12B	3.39B	3.5B	3.79B
EBT, Excl. Unusual Items	3.29B	1.96B	2B	2.3B	2.9B
Asset Writedown	-55.98M	-16.03M	-40.2M	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	77.3M	121M	270M	187M	115M
EBT, Incl. Unusual Items	3.31B	2.07B	2.23B	2.49B	3.02B
Income Tax Expense	221M	-277M	-377M	-361M	-124M
Earnings From Continuing Operations	3.09B	2.35B	2.6B	2.85B	3.14B
Net Income to Company	3.09B	2.35B	2.6B	2.85B	3.14B
Minority Interest	-26.52M	-29.31M	-35.11M	7.17M	-10.86M
Net Income - (IS)	3.07B	2.32B	2.57B	2.86B	3.13B
Preferred Dividend and Other Adjustments	96M	241M	241M	241M	241M
Net Income to Common Incl Extra Items	2.97B	2.08B	2.33B	2.62B	2.89B
Net Income to Common Excl. Extra Items	2.97B	2.08B	2.33B	2.62B	2.89B
Per Share Items
Net EPS - Basic	0.53	0.37	0.42	0.47	0.52
Basic EPS - Continuing Operations	0.53	0.37	0.42	0.47	0.52
Basic Weighted Average Shares Outstanding	5.56B	5.56B	5.56B	5.56B	5.56B
Net EPS - Diluted	0.48	0.33	0.37	0.41	0.45
Diluted EPS - Continuing Operations	0.48	0.33	0.37	0.41	0.45
Diluted Weighted Average Shares Outstanding	6.43B	6.71B	6.74B	6.74B	6.81B
Normalized Basic EPS	0.37	0.22	0.22	0.26	0.32
Normalized Diluted EPS	0.32	0.18	0.18	0.21	0.26
Dividend Per Share	0.1	-	0.1	0.12	0.12
Payout Ratio	30.11	34.41	10.32	99.07	80.48
Supplemental Items
Effective Tax Rate - (Ratio)	6.68	-13.37	-16.94	-14.5	-4.11
Total Current Taxes	1.01B	628M	447M	326M	280M
Total Deferred Taxes	-787M	-905M	-824M	-687M	-404M
Normalized Net Income	2.03B	1.2B	1.21B	1.45B	1.8B
Non-Cash Pension Expense	55.56M	49.48M	47.05M	64.32M	32M

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Assets
Cash And Equivalents	13.87B	13.3B	14.11B	19.41B	15.26B
Investment Securities, Total	150B	149B	171B	184B	173B
Trading Asset Securities, Total	6.95B	7.81B	4.02B	983M	7.01B
Total investments	157B	157B	175B	185B	180B
Gross Loans	243B	249B	264B	276B	293B
Allowance For Loan Losses	-9.36B	-10.92B	-11.01B	-11.96B	-12.63B
Net Loans	234B	238B	253B	264B	280B
Gross Property Plant And Equipment	6.51B	6.66B	6.69B	6.63B	6.52B
Accumulated Depreciation	-2.26B	-2.53B	-2.83B	-2.96B	-3.06B
Net Property Plant And Equipment	4.26B	4.12B	3.87B	3.67B	3.46B
Other Intangibles, Total	80.51M	79.53M	77.25M	71.08M	68.83M
Investment in Real Estate	71K	71K	19K	5K	5K
Accrued Interest Receivable	844M	1.09B	1.07B	1B	1.16B
Other Receivables	-	-	-	-	34.96M
Restricted Cash	17.3B	16.16B	15.41B	15.79B	15.95B
Other Current Assets, Total	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	3.27B	4.21B	4.97B	5.48B	6.15B
Other Real Estate Owned And Foreclosed	-	-	-	-	800K
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	413M	401M	410M	329M	255M
Total Assets	430B	435B	468B	495B	503B
Liabilities
Accrued Expenses, Total	858M	983M	1.21B	1.43B	1.75B
Interest Bearing Deposits	176B	195B	218B	238B	253B
Non-Interest Bearing Deposits	94.06B	91.33B	84.36B	84.76B	80.57B
Total Deposits	270B	286B	302B	323B	334B
Short-Term Borrowings	21.4B	16.27B	25.75B	36.29B	27.64B
Current Portion of Long-Term Debt	84.33B	78.37B	77.54B	66.7B	71.61B
Current Portion of Leases	77.78M	98.87M	94.27M	84.03M	23.41M
Long-Term Debt	9.71B	6.86B	12.01B	17.14B	8.94B
Long-Term Leases	159M	156M	118M	123M	160M
Current Income Taxes Payable	657M	330M	125M	61.05M	8.9M
Accrued Interest Payable	5.4B	6.54B	7.23B	7.26B	5.86B
Other Current Liabilities - (Bank / Utility Template)	319M	265M	967M	308M	6.15B
Unearned Revenue Non Current	285M	304M	292M	275M	230M
Pension & Other Post Retirement Benefits	1.02B	978M	947M	924M	854M
Other Non Current Liabilities	799M	1.04B	362M	689M	628M
Total Liabilities	395B	398B	429B	454B	458B
Common Stock, Total	5.56B	5.56B	5.56B	5.56B	5.56B
Additional Paid In Capital	3.82B	3.82B	3.82B	3.83B	3.72B
Retained Earnings	18.65B	20.17B	22.5B	24.56B	26.79B
Comprehensive Income and Other	6.14B	6.03B	6.24B	6.81B	9.03B
Total Common Equity	34.16B	35.57B	38.11B	40.75B	45.09B
Minority Interest	886M	909M	939M	364M	-
Total Equity	35.05B	36.48B	39.05B	41.11B	45.09B
Total Liabilities And Equity	430B	435B	468B	495B	503B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	5.56B	5.56B	5.56B	5.56B	5.56B
ECS Total Common Shares Outstanding	5.56B	5.56B	5.56B	5.56B	5.56B
Book Value / Share	6.15	6.4	6.86	6.44	6.68
Tangible Book Value	34.08B	35.49B	38.03B	40.68B	45.02B
Tangible Book Value Per Share	6.14	6.39	6.85	6.42	6.67
Average Loans	229B	236B	246B	259B	268B
Total Debt	116B	102B	116B	120B	108B
Deposits at Interest - Cash	13.09B	12.2B	12.8B	18.14B	14.35B
Debt Equivalent of Unfunded Proj. Benefit Obligation	970M	941M	919M	893M	831M
Net Debt	93.08B	75.17B	91.98B	85.78B	76.93B
Full Time Employees	5.12K	5.18K	5.5K	5.83K	6.02K
Number Of Offices	358	352	344	344	370

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Net Income	3.07B	2.32B	2.57B	2.86B	3.13B
Depreciation, Depletion & Amortization	412M	403M	414M	385M	373M
Amortization of Goodwill and Intangible Assets - (CF)	2.3M	2.32M	2.32M	2.25M	2.25M
Total Depreciation, Depletion & Amortization	415M	405M	416M	387M	375M
Amortization of Deferred Charges, Total	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	1.73M	-2.35M	-27.14M	-76.8M	-41.04M
(Gain) Loss on Sale of Investments - (CF)	259M	152M	-289M	-868M	915M
Total Asset Writedown	55.98M	16.03M	40.2M	-13M	-
Provision for Credit Losses	3.75B	4.7B	4.66B	5.11B	3.28B
Change In Deferred Taxes	-787M	-905M	-824M	-687M	-421M
Change in Other Net Operating Assets (Collected)	-3.3B	-1.95B	12.67B	3.47B	-14.09B
Other Operating Activities	-2.68B	-2.76B	-3.17B	-3.71B	-4.38B
Cash from Operations	780M	1.97B	16.05B	6.47B	-11.24B
Capital Expenditure	-336M	-250M	-122M	-124M	-88.41M
Sale of Property, Plant, and Equipment	13.3M	25.49M	37.12M	85.8M	46.59M
Investment in Marketable and Equity Securities, Total	-16.3B	3.59B	-20.93B	-3.53B	3.95B
Other Investing Activities, Total	5.01B	5.09B	5.09B	7.42B	6.63B
Cash from Investing	-11.61B	8.46B	-15.93B	3.85B	10.54B
Long-Term Debt Issued, Total	106B	76.76B	106B	117B	118B
Total Debt Issued	106B	76.76B	106B	117B	118B
Long-Term Debt Repaid, Total	-95.61B	-84.85B	-103B	-119B	-119B
Total Debt Repaid	-95.61B	-84.85B	-103B	-119B	-119B
Issuance of Common Stock	-	-	-	-	-
Common Dividends Paid	-923M	-797M	-265M	-2.83B	-2.52B
Common & Preferred Stock Dividends Paid	-923M	-797M	-265M	-2.83B	-2.52B
Other Financing Activities, Total	-2.12B	-2.17B	-1.79B	-69.67M	-117M
Cash from Financing	7.22B	-11.05B	741M	-5.09B	-3.22B
Foreign Exchange Rate Adjustments	-13.09M	43.06M	4.88M	19.63M	-35.38M
Net Change in Cash	-3.63B	-577M	868M	5.25B	-3.96B
Supplemental Items
Cash Interest Paid	7.16B	7.75B	8.23B	7.17B	7.79B
Cash Income Tax Paid (Refund)	1.71B	1.65B	1.31B	1.15B	1.25B
Net Debt Issued / Repaid	10.26B	-8.09B	2.8B	-2.2B	-583M

Fiscal Period: December	2021 (CNY)	2022 (CNY)	2023 (CNY)	2024 (CNY)	2025 (CNY)
Profitability
Return on Assets	0.74	0.54	0.58	0.59	0.63
Return On Equity %	9.55	6.56	6.89	7.11	7.28
Return on Common Equity	9.43	5.95	6.32	6.63	6.73
Shareholders Value Added	-713M	-1.86B	-1.85B	-1.87B	-2.02B
Margin Analysis
SG&A Margin	46.92	59.3	60.81	58.42	54.65
Net Interest Income / Total Revenues %	125.49	154.06	136.64	124.4	110.02
EBT Excl. Non-Recurring Items Margin %	51.33	38.61	37.08	39.65	43.34
Income From Continuing Operations Margin %	48.21	46.12	48.35	49.09	46.91
Net Income Margin %	47.8	45.54	47.7	49.21	46.75
Net Avail. For Common Margin %	46.3	40.8	43.22	45.06	43.15
Normalized Net Income Margin	31.67	23.56	22.52	24.9	26.93
Asset quality
Nonperforming Loans / Total Loans %	1.66	2.11	1.76	1.73	1.66
Nonperforming Loans / Total Assets %	0.94	1.21	0.99	0.97	0.97
Nonperforming Assets / Total Assets %	0.95	1.22	1	0.97	0.97
NPAs / Loans and OREO	1.68	2.13	1.78	1.73	1.66
NPAs / Equity	11.65	14.55	12.01	11.63	10.8
Allowance for Credit Losses / Net Charge-offs %	299.88	359.86	250.98	277.56	453.47
Allowance for Credit Losses / Nonperforming Loans %	231.82	207.67	237.29	250.08	259.43
Allowance for Credit Losses / Total Loans %	3.85	4.39	4.17	4.33	4.31
Net Charge-offs / Total Average Loans %	1.36	1.29	1.78	1.66	1.04
Provision for Loan Losses / Net Charge-offs %	120.29	154.84	106.22	118.7	117.61
Earning Assets / IBL	98.72	99.63	99.72	100.36	100.66
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.53	8.06	8.16	8.19	8.6
Total Average Equity / Total Average Assets %	7.73	8.27	8.37	8.32	8.64
Total Equity + Allowance for Loan Losses / Total Loans %	17.9	18.67	18.6	19.1	19.69
Gross Loans / Total Deposits %	89.91	87.06	87.39	85.54	87.79
Net Loans / Total Deposits %	86.45	83.25	83.74	81.84	84.01
Tier 1 Capital Ratio %	11.27	11.41	11.48	12.26	12.38
Total Capital Ratio %	13.07	13.18	13.21	13.96	14.06
Core Tier 1 Capital Ratio	9.62	9.77	9.91	10.7	10.07
Tier 2 Capital Ratio	1.8	1.76	1.73	1.7	1.68
Coverage Ratio	231.82	207.67	237.29	250.08	259.43
Interbank Ratio	73.49	81.29	72.76	108.48	132.95
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.39	1.24	1.24	1.28	1.39
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.46	-2.6	-6.17	-1.83	1.95
Non Interest Income, 1 Yr. Growth %	52.69	-8.05	37.97	37.47	-29.54
Provision For Loan Losses, 1 Yr. Growth %	6.32	25.18	-0.81	9.68	-35.95
Total Revenues, 1 Yr. Growth %	7.93	-20.67	5.8	7.83	15.28
Earnings From Cont. Operations, 1 Yr. Growth %	3.85	-24.11	10.93	9.46	10.17
Net Income, 1 Yr. Growth %	3.58	-24.41	10.82	11.24	9.51
Normalized Net Income, 1 Yr. Growth %	6.3	-40.99	1.15	21.74	24.65
Diluted EPS Before Extra, 1 Yr. Growth %	-6.1	-31.68	11.06	11.86	8.9
Dividend Per Share, 1 Yr. Growth %	-33.33	-	-	20	0
Gross Loans, 1 Yr. Growth %	10.46	2.47	6.04	4.5	6.19
Allowance For Loan Losses, 1 Yr. Growth %	7.03	16.7	0.83	8.55	5.62
Net Loans, 1 Yr. Growth %	10.6	1.9	6.27	4.32	6.22
Non Performing Loans, 1 Yr. Growth %	28.73	30.27	-11.75	3	1.81
Non Performing Assets, 1 Yr. Growth %	24.18	29.92	-11.65	1.96	1.82
Total Assets, 1 Yr. Growth %	5.81	1.01	7.62	5.79	1.57
Total Deposits, 1 Yr Growth %	6.08	5.82	5.64	6.75	3.46
Tangible Book Value, 1 Yr. Growth %	18.52	4.14	7.15	6.95	10.68
Average Interest Earning Assets, 1 Yr. Growth %	16.16	5.07	6.49	3.21	6.62
Average Interest Bearing Liabilities, 1 Yr. Growth %	13.45	4.11	6.4	2.55	6.3
Common Equity, 1 Yr. Growth %	18.45	4.13	7.13	6.92	10.66
Total Equity, 1 Yr. Growth %	18	4.09	7.03	5.28	9.68
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.54	-1.54	-4.4	-4.03	0.04
Non Interest Income, 2 Yr. CAGR %	15.42	18.49	12.63	37.72	-1.58
Provision For Loan Losses, 2 Yr. CAGR %	17.97	15.36	11.43	4.3	-16.18
Total Revenues, 2 Yr. CAGR %	3.53	-7.47	-8.38	6.81	11.49
Earnings From Cont. Operations, 2 Yr. CAGR %	4.21	-11.23	-8.25	10.2	9.82
Net Income, 2 Yr. CAGR %	4.17	-11.52	-8.48	11.03	10.37
Normalized Net Income, 2 Yr. CAGR %	0.53	-20.8	-22.74	9.82	23.18
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.65	-19.9	-12.89	11.46	10.37
Dividend Per Share, 2 Yr. CAGR %	-18.35	-	0	-	9.54
Gross Loans, 2 Yr. CAGR %	16.05	6.39	4.24	5.26	5.34
Allowance For Loan Losses, 2 Yr. CAGR %	7.38	11.76	8.48	4.62	7.07
Net Loans, 2 Yr. CAGR %	16.45	6.16	4.06	5.29	5.26
Non Performing Loans, 2 Yr. CAGR %	24.25	29.5	7.22	-4.66	2.4
Non Performing Assets, 2 Yr. CAGR %	13.81	27.02	7.14	-5.09	1.89
Total Assets, 2 Yr. CAGR %	12.24	3.38	4.26	6.7	3.66
Total Deposits, 2 Yr CAGR %	11.26	5.95	5.73	6.2	5.1
Tangible Book Value, 2 Yr. CAGR %	18.36	11.1	5.63	7.05	8.8
Average Interest Earning Assets, 2 Yr. CAGR %	17.3	10.47	5.78	4.84	4.9
Average Interest Bearing Liabilities, 2 Yr. CAGR %	14.55	8.68	5.25	4.46	4.41
Common Equity, 2 Yr. CAGR %	18.29	11.06	5.62	7.02	8.77
Total Equity, 2 Yr. CAGR %	17.79	10.83	5.55	6.15	7.46
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.22	3.4	-3.1	-3.55	-2.07
Non Interest Income, 3 Yr. CAGR %	33.7	7	24.66	20.37	10.15
Provision For Loan Losses, 3 Yr. CAGR %	-	20.33	9.7	10.84	-11.34
Total Revenues, 3 Yr. CAGR %	-4.73	-5.26	-3.24	-3.27	9.56
Earnings From Cont. Operations, 3 Yr. CAGR %	8.15	-6.24	-4.38	-2.69	10.19
Net Income, 3 Yr. CAGR %	8.22	-6.39	-4.62	-2.33	10.52
Normalized Net Income, 3 Yr. CAGR %	-12.74	-15.82	-14.07	-10.72	14.55
Diluted EPS Before Extra, 3 Yr. CAGR %	0.19	-14.08	-10.68	-5.32	10.6
Dividend Per Share, 3 Yr. CAGR %	-12.64	-	-12.64	6.27	-
Gross Loans, 3 Yr. CAGR %	20.54	11.34	6.27	4.32	5.57
Allowance For Loan Losses, 3 Yr. CAGR %	14.61	10.4	7.99	8.5	4.95
Net Loans, 3 Yr. CAGR %	20.81	11.38	6.2	4.15	5.6
Non Performing Loans, 3 Yr. CAGR %	23.5	26.22	13.96	5.8	-2.55
Non Performing Assets, 3 Yr. CAGR %	15.18	18.95	12.54	5.39	-2.84
Total Assets, 3 Yr. CAGR %	13.53	8.37	4.78	4.77	4.96
Total Deposits, 3 Yr CAGR %	11.78	9.42	5.85	6.07	5.28
Tangible Book Value, 3 Yr. CAGR %	18.61	13.42	9.76	6.07	8.25
Average Interest Earning Assets, 3 Yr. CAGR %	12.56	13.07	9.13	4.92	5.43
Average Interest Bearing Liabilities, 3 Yr. CAGR %	16.6	10.96	7.91	4.34	5.07
Common Equity, 3 Yr. CAGR %	18.53	13.37	9.73	6.05	8.22
Total Equity, 3 Yr. CAGR %	17.98	13.03	9.55	5.46	7.32
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	8.14	6.25	2.41	0.36	-1.86
Non Interest Income, 5 Yr. CAGR %	40.43	50.39	24.84	18.36	13.41
Provision For Loan Losses, 5 Yr. CAGR %	24.79	34.33	-	13.64	-1.5
Total Revenues, 5 Yr. CAGR %	6.92	0.48	-6.21	-0.61	2.4
Earnings From Cont. Operations, 5 Yr. CAGR %	10.19	1.86	1.27	0.01	1.06
Net Income, 5 Yr. CAGR %	9.74	1.64	1.2	0.22	1.11
Normalized Net Income, 5 Yr. CAGR %	5.35	-6.75	-16.89	-6.38	-1.17
Diluted EPS Before Extra, 5 Yr. CAGR %	4.61	-5.05	-5.26	-4.65	-2.79
Dividend Per Share, 5 Yr. CAGR %	-	-	-7.79	-4.36	-4.36
Gross Loans, 5 Yr. CAGR %	19.19	17.24	13.74	8.87	5.9
Allowance For Loan Losses, 5 Yr. CAGR %	12.18	13.94	12.12	8.05	7.62
Net Loans, 5 Yr. CAGR %	19.53	17.41	13.81	8.9	5.82
Non Performing Loans, 5 Yr. CAGR %	14.75	20.27	16.71	12.82	9.19
Non Performing Assets, 5 Yr. CAGR %	11.2	16.22	11.89	8.68	8.16
Total Assets, 5 Yr. CAGR %	15.71	11.61	9.73	7.7	4.33
Total Deposits, 5 Yr CAGR %	11.53	10.02	9.32	8.12	5.55
Tangible Book Value, 5 Yr. CAGR %	18.03	15.82	13.24	10.83	9.38
Average Interest Earning Assets, 5 Yr. CAGR %	-	11.99	9.8	9.7	7.42
Average Interest Bearing Liabilities, 5 Yr. CAGR %	-	14.33	11.92	8.31	6.5
Common Equity, 5 Yr. CAGR %	17.98	15.76	13.19	10.79	9.35
Total Equity, 5 Yr. CAGR %	17.35	15.28	12.84	10.23	8.71