Qilu Bank Co Ltd (601665) - Net Assets
Based on the latest financial reports, Qilu Bank Co Ltd (601665) has net assets worth CN¥52.74 Billion CNY (≈ $7.72 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CN¥840.53 Billion ≈ $123.00 Billion USD) and total liabilities (CN¥787.79 Billion ≈ $115.28 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Qilu Bank Co Ltd tangible book value ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | CN¥52.74 Billion |
| % of Total Assets | 6.27% |
| Annual Growth Rate | 36.26% |
| 5-Year Change | 2528.88% |
| 10-Year Change | 6555.53% |
| Growth Volatility | 352.18 |
Qilu Bank Co Ltd - Net Assets Trend (2004–2025)
This chart illustrates how Qilu Bank Co Ltd's net assets have evolved over time, based on quarterly financial data. See 601665 days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Qilu Bank Co Ltd (2004–2025)
The table below shows the annual net assets of Qilu Bank Co Ltd from 2004 to 2025. For live valuation and market cap data, see market value of Qilu Bank Co Ltd.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | CN¥857.14 Billion ≈ $125.43 Billion |
+1673.33% |
| 2024-12-31 | CN¥48.34 Billion ≈ $7.07 Billion |
+15.57% |
| 2023-12-31 | CN¥41.82 Billion ≈ $6.12 Billion |
+17.52% |
| 2022-12-31 | CN¥35.59 Billion ≈ $5.21 Billion |
+9.15% |
| 2021-12-31 | CN¥32.60 Billion ≈ $4.77 Billion |
+19.44% |
| 2020-12-31 | CN¥27.30 Billion ≈ $3.99 Billion |
+20.49% |
| 2019-12-31 | CN¥22.66 Billion ≈ $3.32 Billion |
+8.52% |
| 2018-12-31 | CN¥20.88 Billion ≈ $3.05 Billion |
+13.24% |
| 2017-12-31 | CN¥18.44 Billion ≈ $2.70 Billion |
+43.15% |
| 2016-12-31 | CN¥12.88 Billion ≈ $1.88 Billion |
+28.13% |
| 2015-12-31 | CN¥10.05 Billion ≈ $1.47 Billion |
+39.14% |
| 2014-12-31 | CN¥7.22 Billion ≈ $1.06 Billion |
+20.36% |
| 2013-12-31 | CN¥6.00 Billion ≈ $878.22 Million |
+12.65% |
| 2012-12-31 | CN¥5.33 Billion ≈ $779.59 Million |
+21.04% |
| 2011-12-31 | CN¥4.40 Billion ≈ $644.06 Million |
+21.38% |
| 2010-12-31 | CN¥3.63 Billion ≈ $530.64 Million |
+28.84% |
| 2009-12-31 | CN¥2.81 Billion ≈ $411.87 Million |
+5.40% |
| 2008-12-31 | CN¥2.67 Billion ≈ $390.79 Million |
+33.80% |
| 2007-12-31 | CN¥2.00 Billion ≈ $292.07 Million |
+7.94% |
| 2006-12-31 | CN¥1.85 Billion ≈ $270.59 Million |
+36.24% |
| 2005-12-31 | CN¥1.36 Billion ≈ $198.62 Million |
+4.96% |
| 2004-12-31 | CN¥1.29 Billion ≈ $189.23 Million |
-- |
Equity Component Analysis
This analysis shows how different components contribute to Qilu Bank Co Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 17174.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CN¥12.27 Billion | 23.26% |
| Other Comprehensive Income | CN¥52.61 Billion | 99.72% |
| Total Equity | CN¥52.76 Billion | 100.00% |
Qilu Bank Co Ltd Competitors by Market Cap
The table below lists competitors of Qilu Bank Co Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Credit Acceptance Corporation
NASDAQ:CACC
|
$5.46 Billion |
|
Zhejiang Huazheng New Material
SHG:603186
|
$5.46 Billion |
|
GalaxyCore Inc
SHG:688728
|
$5.47 Billion |
|
Gentex Corporation
NASDAQ:GNTX
|
$5.47 Billion |
|
NEXANS ADR EO 1
F:NXS0
|
$5.46 Billion |
|
West Fraser Timber Co Ltd
TO:WFG
|
$5.45 Billion |
|
Associated Banc-Corp
NYSE:ASB
|
$5.45 Billion |
|
Pepco Group B.V.
WAR:PCO
|
$5.45 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Qilu Bank Co Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 48,107,511,000 to 52,758,876,000, a change of 4,651,365,000 (9.7%).
- Net income of 5,713,491,000 contributed positively to equity growth.
- Dividend payments of 2,086,337,000 reduced retained earnings.
- Other comprehensive income increased equity by 52,609,642,000.
- Other factors decreased equity by 51,585,431,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CN¥5.71 Billion | +10.83% |
| Dividends Paid | CN¥2.09 Billion | -3.95% |
| Other Comprehensive Income | CN¥52.61 Billion | +99.72% |
| Other Changes | CN¥-51.59 Billion | -97.78% |
| Total Change | CN¥- | 9.67% |
Book Value vs Market Value Analysis
This analysis compares Qilu Bank Co Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.66x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 11.10x to 0.66x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | CN¥0.55 | CN¥6.06 | x |
| 2005-12-31 | CN¥0.57 | CN¥6.06 | x |
| 2006-12-31 | CN¥0.78 | CN¥6.06 | x |
| 2007-12-31 | CN¥0.84 | CN¥6.06 | x |
| 2008-12-31 | CN¥1.13 | CN¥6.06 | x |
| 2009-12-31 | CN¥1.19 | CN¥6.06 | x |
| 2010-12-31 | CN¥1.53 | CN¥6.06 | x |
| 2011-12-31 | CN¥1.85 | CN¥6.06 | x |
| 2012-12-31 | CN¥2.24 | CN¥6.06 | x |
| 2013-12-31 | CN¥2.51 | CN¥6.06 | x |
| 2014-12-31 | CN¥3.04 | CN¥6.06 | x |
| 2015-12-31 | CN¥3.86 | CN¥6.06 | x |
| 2016-12-31 | CN¥4.51 | CN¥6.06 | x |
| 2017-12-31 | CN¥5.98 | CN¥6.06 | x |
| 2018-12-31 | CN¥4.81 | CN¥6.06 | x |
| 2019-12-31 | CN¥5.19 | CN¥6.06 | x |
| 2020-12-31 | CN¥5.91 | CN¥6.06 | x |
| 2021-12-31 | CN¥7.06 | CN¥6.06 | x |
| 2022-12-31 | CN¥7.71 | CN¥6.06 | x |
| 2023-12-31 | CN¥6.98 | CN¥6.06 | x |
| 2024-12-31 | CN¥7.72 | CN¥6.06 | x |
| 2025-12-31 | CN¥9.23 | CN¥6.06 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Qilu Bank Co Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.83%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 98.97%
- • Asset Turnover: 0.01x
- • Equity Multiplier: 15.25x
- Recent ROE (10.83%) is below the historical average (11.41%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 3.90% | 5.05% | 0.04x | 18.19x | CN¥-78.82 Million |
| 2005 | 5.02% | 5.69% | 0.05x | 18.51x | CN¥-67.56 Million |
| 2006 | 7.72% | 9.47% | 0.05x | 17.53x | CN¥-42.17 Million |
| 2007 | 11.71% | 12.32% | 0.05x | 18.96x | CN¥34.12 Million |
| 2008 | 13.15% | 11.86% | 0.06x | 18.55x | CN¥84.09 Million |
| 2009 | 17.24% | 17.07% | 0.05x | 21.95x | CN¥203.90 Million |
| 2010 | 9.19% | 9.72% | 0.04x | 23.66x | CN¥-29.24 Million |
| 2011 | 18.03% | 19.70% | 0.05x | 17.65x | CN¥351.63 Million |
| 2012 | 16.24% | 20.58% | 0.05x | 15.77x | CN¥330.87 Million |
| 2013 | 16.75% | 21.86% | 0.05x | 15.73x | CN¥403.50 Million |
| 2014 | 15.15% | 18.46% | 0.05x | 17.08x | CN¥370.54 Million |
| 2015 | 11.92% | 16.64% | 0.05x | 15.35x | CN¥191.02 Million |
| 2016 | 12.85% | 19.79% | 0.04x | 16.21x | CN¥363.96 Million |
| 2017 | 11.03% | 20.16% | 0.04x | 12.94x | CN¥188.32 Million |
| 2018 | 10.40% | 18.38% | 0.04x | 12.84x | CN¥82.86 Million |
| 2019 | 10.41% | 17.86% | 0.04x | 13.69x | CN¥91.68 Million |
| 2020 | 9.30% | 17.04% | 0.04x | 13.30x | CN¥-189.42 Million |
| 2021 | 9.38% | 16.82% | 0.04x | 13.39x | CN¥-200.02 Million |
| 2022 | 10.16% | 17.63% | 0.04x | 14.33x | CN¥57.13 Million |
| 2023 | 10.19% | 18.78% | 0.04x | 14.55x | CN¥78.32 Million |
| 2024 | 10.36% | 20.53% | 0.04x | 14.33x | CN¥175.54 Million |
| 2025 | 10.83% | 98.97% | 0.01x | 15.25x | CN¥437.60 Million |
Industry Comparison
This section compares Qilu Bank Co Ltd's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $119,185,056,537
- Average return on equity (ROE) among peers: 10.82%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Qilu Bank Co Ltd (601665) | CN¥52.74 Billion | 3.90% | 14.94x | $5.46 Billion |
| Ping An Bank Co Ltd (000001) | $130.95 Billion | 15.12% | 15.70x | $29.87 Billion |
| Bank of Ningbo Co Ltd (002142) | $234.26 Billion | 11.58% | 12.34x | $29.74 Billion |
| Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) | $5.06 Billion | 19.39% | 13.51x | $1.41 Billion |
| Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839) | $19.89 Billion | 9.44% | 10.00x | $1.47 Billion |
| Bank of Zhengzhou Co Ltd Class A (002936) | $59.41 Billion | 5.43% | 8.68x | $1.77 Billion |
| Bank of Qingdao Co Ltd (002948) | $6.96 Billion | 10.61% | 10.07x | $2.86 Billion |
| Qingdao Rural Commercial Bank Corp Class A (002958) | $270.47 Billion | 1.04% | 0.26x | $2.29 Billion |
| Bank of Suzhou (002966) | $15.64 Billion | 10.22% | 9.48x | $5.06 Billion |
| Shanghai Pudong Development Bank Co Ltd (600000) | $418.97 Billion | 12.95% | 13.63x | $44.30 Billion |
| Hua Xia Bank Co Ltd (600015) | $30.23 Billion | 12.44% | 26.96x | $15.44 Billion |
About Qilu Bank Co Ltd
QILU BANK CO., LTD. provides personal and corporate banking services in the People's Republic of China. The company offers personal savings products, including fixed deposits and withdrawals; personal demand, savings, personal notice deposits, and personal monthly profit; personal consumer loans, housing mortgage, consumer credit, home and home improvement, car, and other loans; wealth management… Read more