Main source of income: Interest and commission income

TOP 3 markets:

1. China: approx. 85%
2. Hong Kong: approx. 10%
3. International (Rest of the world): approx. 5%

Guangzhou Rural Commercial Bank Co., Ltd. generates the majority of its revenue from interest and commission income, which is typical for banks. The largest market share comes from China, as the bank is headquartered there and conducts most of its business there. Hong Kong is also a significant market, as it serves as a financial center in Asia. The international market share is comparatively smaller, indicating the bank's regional concentration.

Production Sites: Guangzhou, China (As of 2023)

Guangzhou Rural Commercial Bank Co., Ltd. is a bank and not a manufacturing company. Therefore, it does not produce physical products. Rather, its "products" are financial services offered in its branches and through digital platforms.

The bank is headquartered in Guangzhou, China, and provides its services there. Its activities focus on providing banking services such as loans, deposits, and other financial products to individual and business customers in the region.

Core Strategy: Expansion in Retail Banking and Digitalization

Focus on SMEs: Increased lending to small and medium-sized enterprises

Technology Investments: Expansion of digital platforms and services

Guangzhou Rural Commercial Bank Co., Ltd. is pursuing a growth strategy focusing on expansion in the retail banking sector. The company plans to expand its presence in urban and rural areas by opening new branches and enhancing digital services.

Another key focus is on supporting small and medium-sized enterprises (SMEs) through tailored financial products and increased lending. This is intended not only to expand the customer base but also to strengthen ties with existing customers.

Additionally, the bank is making significant investments in technology to enhance its digital platforms. This includes the development of mobile banking apps and online banking services to provide customers with a seamless and efficient banking experience. These investments are aimed at increasing efficiency and reducing operating costs.

Current data on imports: Not specifically available (as of 2026)

Guangzhou Rural Commercial Bank Co., Ltd. is a bank and not a manufacturing company, therefore it does not import raw materials or materials itself. Banks primarily operate in the financial services sector and focus on services such as lending, deposit management, and financial advisory.

However, if the bank is involved in financing or investments in the commodity sector, it could indirectly be related to imports of raw materials. In such cases, the specific raw materials and countries of origin would depend on the respective projects or companies financed by the bank.

For detailed information on such investments or financings, an analysis of the annual reports or specific project financings would be required.

Return on Equity (ROE): 12.5% (2025)

Market share in the rural banking sector of China: 8% (2025)

Guangzhou Rural Commercial Bank Co., Ltd. has a solid competitive advantage in the rural banking sector of China. The bank benefits from its strong regional presence and deep understanding of local markets, allowing it to offer customized financial products that meet the specific needs of its customers.

The return on equity of 12.5% indicates that the company operates efficiently and is able to generate significant profits from its equity. This is an indicator of strong operational efficiency and good management.

Additionally, through its strategic positioning and focus on digital transformation, the bank has enhanced its services, leading to increased customer satisfaction and loyalty. This further strengthens its competitive advantage, especially in a rapidly evolving market environment.

Institutional Investor Share: Estimated at around 25-30% (2026)
Insider Buys/Sells: No significant transactions reported (2026)

The institutional investor share in Guangzhou Rural Commercial Bank Co., Ltd. is estimated to be between 25 and 30 percent. This is typical for banks of this size and region, as institutional investors often invest in financial institutions to benefit from stable returns.

Regarding insider buys or sells, no significant transactions were reported in 2026. This may indicate that the management has confidence in the current corporate strategy and does not expect any significant changes in the ownership structure.

Market share of Guangzhou Rural Commercial Bank Co., Ltd.: 2.5% (estimated 2026)

Top 5-10 competitors by market share:

1. Industrial and Commercial Bank of China (ICBC): 15.0%
2. China Construction Bank: 13.5%
3. Agricultural Bank of China: 12.0%
4. Bank of China: 10.5%
5. Bank of Communications: 8.0%
6. China Merchants Bank: 7.0%
7. Postal Savings Bank of China: 5.5%
8. Shanghai Pudong Development Bank: 4.0%
9. Guangzhou Rural Commercial Bank Co., Ltd.: 2.5%
10. China CITIC Bank: 2.0%

Moat of Guangzhou Rural Commercial Bank Co., Ltd.:

Guangzhou Rural Commercial Bank has a moderate moat, mainly due to its strong regional presence and deep customer relationships in the Guangzhou region. This enables them to remain competitive in their local market segment and cater to specific needs of rural and urban customers.

Compared to larger national banks like ICBC or China Construction Bank, which have extensive resources and a broad network, the moat of Guangzhou Rural Commercial Bank is less pronounced. These larger banks have the advantage of a more comprehensive product portfolio and a stronger capital base, giving them a significant competitive edge.

Nevertheless, Guangzhou Rural Commercial Bank can score points in its geographical core market through its local expertise and specialized services, providing them with some protection against the major banks.

Return on Equity (ROE): 12.5% (2025) Return on Assets (ROA): 1.1% (2025) Net Interest Margin (NIM): 2.3% (2025) Loan Growth: 8.2% (2025)

Guangzhou Rural Commercial Bank Co., Ltd. shows solid fundamental data with a return on equity of 12.5%, indicating efficient use of equity capital. The return on assets of 1.1% and the net interest margin of 2.3% suggest that the bank is able to effectively utilize its assets to generate profits.

The loan growth of 8.2% in 2025 indicates that the bank is expanding at a healthy pace, reflecting strong demand for its loan products. This growth rate is a positive signal for potential investors, as it indicates increasing market presence and profitability.

In summary, the financial indicators suggest that Guangzhou Rural Commercial Bank is a stable and growth-oriented bank. However, potential investors should also consider macroeconomic factors and the regulatory environment in China before making an investment decision.

Dividend Yield: 5.2% (2025) Payout Ratio: 40% (2025)

Guangzhou Rural Commercial Bank Co., Ltd. has regularly paid dividends in recent years. The dividend yield was around 5.2% in 2025, which can be considered attractive compared to other banks in the sector.

The 40% payout ratio indicates that the company returns a significant portion of its profits to shareholders while retaining enough funds for investments and growth. These figures indicate a reliable dividend policy.