Revenue distribution by sector:

• Lending: approx. 60%
• Deposits and Treasury: approx. 25%
• Investment banking and other services: approx. 15%

TOP 3 markets and their percentage shares:

• China: approx. 85%
• Hong Kong: approx. 10%
• International (other Asian markets): approx. 5%

The Bank of Chongqing Co., Ltd. generates the majority of its revenue from lending, which is typical for regional banks in China. The Chinese market dominates with a share of approximately 85%, as the bank is strongly rooted in the Chongqing region and surrounding areas.

Hong Kong and other Asian markets also contribute to the revenue, but to a much lesser extent. The bank mainly focuses on domestic business, which is reflected in its high dependence on the Chinese market.

Bank of Chongqing Co., Ltd. is a regional commercial bank.

Production: Not applicable

Bank of Chongqing Co., Ltd. is a financial institution and does not produce physical products. Instead, it offers financial services such as loans, deposits, investments, and other banking-related services. As a regional bank, it operates mainly in Chongqing, China, focusing on providing financial services to local businesses and individual customers.

Growth Strategy:

1. Digitization and Technological Innovation: Bank of Chongqing is increasingly focusing on digitizing its services. This includes the development of online banking platforms and mobile applications to enhance customer experience and increase efficiency.

2. Expansion of the Loan Portfolio: The bank plans to expand its loan portfolio by focusing on small and medium-sized enterprises (SMEs) as well as retail customers. This will be achieved through tailored financial products and services.

3. Regional Expansion: Another pillar of the growth strategy is geographical expansion within China. The bank aims to strengthen its presence in economically emerging regions to benefit from the growth opportunities there.

These strategies are designed to strengthen the bank's market position and ensure sustainable growth in an increasingly competitive environment.

Imported Raw Materials/Materials: No direct imports

Countries of Origin: Not applicable

The Bank of Chongqing Co., Ltd. is a financial institution and not a production or trading company. Therefore, it does not import physical raw materials or materials. Its main activities include financial services such as lending, deposit management, and other banking-related services. Financial institutions like the Bank of Chongqing focus on capital flows and financial products rather than importing or exporting physical goods.

Return on Equity (ROE): 10.5% (2024) Net Profit Margin: 25.8% (2024) Market Share in Chongqing: 15% (estimated, 2024)

The Bank of Chongqing Co., Ltd. demonstrates a stable competitive advantage in the regional banking sector through its solid Return on Equity (ROE) of 10.5%. The Net Profit Margin of 25.8% highlights its ability to operate efficiently and remain profitable, indicating effective cost control and strong customer relationships.

The estimated 15% market share in the Chongqing region shows that the bank plays a significant role in the local market. This gives it an advantage over smaller competitors who may not have the same customer base or resources.

Additionally, the bank benefits from its deep roots in the region, helping it better understand and respond to local market trends and customer needs. This could lead to stronger customer loyalty and a sustainable competitive advantage in the long run.

Institutional Investor Share: 42% (estimate based on 2024 data)

Insider Buys/Sells: No significant transactions in the past year (2024)

The institutional investor share in Bank of Chongqing Co., Ltd. is estimated to be around 42%. This indicates a moderate interest from institutional investors in the stock, which may suggest confidence in the stability and growth potential of the bank.

There were no significant insider buys or sells in 2024, indicating that the management and other insiders do not currently expect any significant changes in the valuation of the stock. This could be seen as a sign of a stable internal assessment of the company's development.

Market share of Bank of Chongqing Co., Ltd.: Estimated around 2-3% (2025)

Top competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): around 15%
2. China Construction Bank (CCB): around 13%
3. Agricultural Bank of China: around 12%
4. Bank of China: around 11%
5. China Merchants Bank: around 8%
6. Postal Savings Bank of China: around 6%
7. Bank of Communications: around 5%
8. Shanghai Pudong Development Bank: around 4%
9. China Minsheng Bank: around 3%
10. Bank of Chongqing Co., Ltd.: around 2-3%

Moat of Bank of Chongqing Co., Ltd.: The moat of Bank of Chongqing is relatively limited compared to the large state-owned banks like ICBC or CCB. These large banks benefit from a comprehensive national presence, strong brands, and close government relationships, giving them a significant competitive advantage.

However, Bank of Chongqing has a certain regional advantage due to its strong presence in the Chongqing region and can benefit from local knowledge and relationships. Nevertheless, this advantage is less significant compared to the national banks.

The larger banks have a stronger moat due to their size, diversification, and capital strength. Bank of Chongqing would need to focus on niche markets or specialized services to develop a comparable competitive advantage.

Return on Equity: 10.5% (2024) Net Profit Growth: 8.2% (2024) Loan Growth: 9.0% (2024)

The Bank of Chongqing Co., Ltd. has demonstrated solid financial performance in recent years, particularly through a stable return on equity of 10.5% in 2024. This indicates efficient use of equity to generate profits.

The net profit growth of 8.2% in 2024 shows that the bank was able to increase its profitability despite a challenging economic environment. This is a positive signal for investors, as it suggests a robust business strategy and effective cost control.

Additionally, the bank has recorded a loan growth of 9.0%, indicating strong demand for its loan products and healthy lending practices. This could suggest positive economic development in the Chongqing region and a strong market position for the bank.

Overall, these indicators suggest that the Bank of Chongqing Co., Ltd. represents a stable and potentially lucrative investment opportunity, especially for investors interested in long-term growth.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Regular payouts in recent years

In recent years, Bank of Chongqing Co., Ltd. has regularly distributed dividends, indicating a certain level of reliability. The estimated dividend yield of 4.5% for 2025 is based on the payouts of recent years and current market conditions.

The bank has a solid financial foundation and a stable earnings situation, which increases the likelihood of continued dividend payments. However, investors should keep an eye on economic conditions and the bank's specific performance, as these factors can influence future dividend policy.