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Chongqing Rural Commercial Bank Co. Ltd. Class A

Chongqing Rural Commercial Bank Co. Ltd. Class A

7.11
CNY
+0.07
(+0.99%)
73.37BMarket Cap
Oct 29Next Earn
Chongqing Rural Commercial Bank Co. Ltd. Class A
SSE:601077
(Shanghai Stock Exchange)

Recent

price

7.11

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
CNY
1.13
1.1
1.41
1.62
1.88
2
2.05
2.13
2.61
2.47
2.4
2.73
2.54
2.36
2.44
2.49
- -
Revenue per Share
0.45
0.46
0.58
0.64
0.73
0.78
0.85
0.94
0.91
0.95
0.74
0.84
0.9
0.96
1.01
1.07
- -
Basic EPS, GAAP
-4.62
-0.71
2.25
0.55
5.12
9.07
0.58
-2.12
-8.18
2.24
3.66
3.55
6.19
3.38
0.36
-0.12
- -
Free Cash Flow per Basic Share
0.05
0.04
0.14
0.17
0.19
0.2
0.19
0.21
0.2
0.19
0.23
0.22
0.27
0.29
0.31
0.33
- -
Dividend per Share
2.47
3
3.43
3.9
4.45
5.03
5.66
6.37
7.07
7.77
8.25
9.24
10.01
10.76
11.63
12.11
12.11
Book Value per Share
2.42
2.89
3.33
3.78
4.35
4.92
5.55
6.27
6.97
7.68
8.15
9.15
9.92
10.66
11.54
12.02
12.02
Tangible Book Value per Share
6,847
9,297
9,300
9,300
9,300
9,300
9,300
9,494
10,000
10,279
11,357
11,357
11,357
11,357
11,357
11,357
11,355
Basic Weighted Avg Shares
7,745
10,229
13,112
15,054
17,458
18,638
19,075
20,252
26,117
25,433
27,252
31,014
28,880
26,811
27,683
28,321
- -
Sales/Revenue/Turnover
49.51
- -
57.8
60.5
52.15
51.38
69.26
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
331
347
374
493
581
659
697
806
751
782
850
851
820
857
877
885
- -
Depreciation Expense
3,061
4,246
5,361
5,991
6,828
7,223
7,945
8,936
9,058
9,760
8,401
9,560
10,276
10,902
11,513
12,128
- -
Net Income, GAAP
23.2
22.72
23.91
24.02
25.21
24.61
24.83
24.68
22.15
18.35
14.89
13.23
9.36
8.78
8.02
9.41
- -
Effective Tax Rate (%)
39.53
41.52
40.89
39.8
39.11
38.76
41.65
44.12
34.68
38.38
30.83
30.82
35.58
40.66
41.59
42.83
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,300
2,300
2,300
2,300
5,000
34,847
58,487
103,901
159,609
171,532
173,363
225,427
171,728
120,721
172,631
190,704
190,704
LT Debt
22,348
28,011
32,216
36,889
42,848
48,288
54,190
65,246
72,149
89,802
95,072
106,484
115,456
123,942
134,049
139,736
139,736
Total Equity
15.88
- -
17.31
18.37
15.3
10.85
10.03
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
16.79
15.45
16.49
16.19
15.73
11.02
8.06
6.29
4.47
3.87
3.11
3.13
3.25
4.02
4.08
3.72
- -
Return on Capital (%)
19.29
16.95
17.94
17.58
17.58
16.38
15.99
15.37
13.48
12.28
9.24
9.63
9.4
9.24
9.05
8.99
- -
Return on Common Equity (%)

Capital Structure

CNY

•

in mil. unless spec.
Mar'25
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8,844
11,357
11,357
Market Capitalization
53,769
81,089
73,366

Working Capital

CNY

•

in mil. unless spec.
Mar'25
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
194,033
197,931
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

CNY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.37%
8.03%
4.24%
Free Cash Flow
-50.65%
-39.3%
-133.11%
Net Income, GAAP
5.6%
7.67%
5.35%
Sales/Revenue/Turnover
4.73%
1.06%
2.3%
Total Cash Common Dividend
7.74%
7.55%
5.77%

Quarterly Revenue

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
7,021
- -
26,811
2024
- -
- -
- -
- -
27,683
2025
- -
- -
- -
- -
28,321

Quarterly Earnings Per Share

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
0.25
- -
0.96
2024
- -
- -
- -
- -
1.01
2025
- -
- -
- -
- -
1.07

Quarterly Dividends Per Share

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
0.02
- -
0.29
2024
- -
- -
- -
- -
0.31
2025
- -
- -
- -
- -
0.33
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Business
Chongqing Rural Commercial Bank Co., Ltd. operates as a regional commercial bank focused on providing comprehensive banking and financial services primarily in Chongqing, China, with emphasis on supporting agriculture, rural areas, farmers, and small-to-medium enterprises. Founded on June 27, 2008 and headquartered in Chongqing, the bank conducts operations through three main segments: Corporate Banking, which offers corporate loans, trade financing, deposit products, financial leasing, overdrafts, supply chain financing, foreign currency services, and intermediary services to corporations, government agencies, and financial institutions; Personal Banking, which provides personal loans, deposit accounts, credit and debit cards, wealth management products, consumer credit, and personal intermediary services to individual customers; and Financial Market Operations, which engages in money market transactions, repurchase agreements, debt instrument investments, international settlement, electronic banking, and asset custody for its own account or clients. The bank maintains an extensive network including its head office, branches, sub-branches, community outlets, 12 controlled village and township banks, and subsidiaries CQRC Wealth Management Co., Ltd. and CQRC Financial Leasing Co., Ltd., primarily serving urban and county areas in Chongqing and extending to the Chengdu-Chongqing Economic Circle and surrounding regions. In recent developments, the bank received regulatory approval in July 2025 to act as custodian for securities investment funds; reported steady asset growth with total assets reaching RMB1,515 billion, deposits at RMB942 billion, and loans at RMB714 billion as of December 2024, alongside net profit growth of 6% year-over-year; advanced digital transformation initiatives including the Grid Business Opportunity Marketing Platform, Smart Cloud Grid Management Platform, and Chongqing Agricultural Assets intelligent system; expanded green loans by 18% to RMB73 billion and technology loans to RMB77 billion; supported rural revitalization with agricultural loans of RMB245 billion via specialized products like Noodle Industry Loan and Pepper Loan; and enhanced risk management through new classification regulations, lifecycle product mechanisms, and intelligent risk controls, resulting in a non-performing loan ratio decline to 1.18% with provision coverage of 363%.