Revenue distribution by industry:

1. Lending: approx. 60%
2. Deposit management: approx. 25%
3. Investment banking and other financial services: approx. 15%

TOP 3 markets and their percentage shares:

1. China (especially Jiangsu Province): approx. 85%
2. Asia (excluding China): approx. 10%
3. International markets (Europe and North America): approx. 5%

The Jiangsu Changshu Rural Commercial Bank Co., Ltd. generates the majority of its revenue from traditional banking services such as lending and deposit management. The main market is the Jiangsu Province in China, reflecting the bank's regional focus. However, the bank has also started to expand its presence in other Asian markets and take initial steps in international markets.

Production Location: Jiangsu, China

Jiangsu Changshu Rural Commercial Bank Co., Ltd. is a bank and not a manufacturing company. Their "products" are financial services, which they mainly offer in the Jiangsu province, China. The bank focuses on banking services such as deposits, loans, and other financial products for individual customers and small to medium-sized enterprises in the region.

Strategy for Future Growth:

1. Digitization and Focus on Technology: Jiangsu Changshu Rural Commercial Bank is increasingly focusing on the digitization of its services. This includes the introduction of mobile banking apps and digital platforms to improve customer service and efficiency.

2. Expansion of the Loan Portfolio: The bank plans to expand its loan portfolio by selectively granting loans to small and medium-sized enterprises (SMEs). This is intended to promote growth in rural areas and support the local economy.

3. Sustainable Financing Projects: Another focus is on financing projects that aim at sustainability and environmentally friendly technologies. This aligns with the global trend towards increased environmental awareness and sustainable development.

4. Enhancement of Market Presence: The bank is pursuing a strategy of geographical expansion to strengthen its market presence. This includes opening new branches in strategically important regions and tapping into new customer segments.

Through these strategies, Jiangsu Changshu Rural Commercial Bank aims to increase its competitiveness and ensure long-term stable growth.

Imported Raw Materials: No specific raw materials

Countries of Origin: Not applicable

Jiangsu Changshu Rural Commercial Bank Co., Ltd. is a regional bank in China and not a manufacturing company. Therefore, it does not import any raw materials or materials. Its main activities include providing financial services such as loans, deposits, and other banking services. Information on imported raw materials is generally not relevant for banks as they do not engage in physical production.

Return on Equity (ROE): 14.2% (2024)
Market Share in Jiangsu Region: 8% (2024)
Credit Growth: 10% (2024)

Jiangsu Changshu Rural Commercial Bank Co., Ltd. possesses a solid competitive advantage, reflected in an above-average Return on Equity of 14.2%. This indicator suggests that the company efficiently utilizes capital to generate profits, which is advantageous compared to many other regional banks.

The 8% market share in the Jiangsu region highlights the strong local presence and the ability to thrive in a competitive market environment. The 10% credit growth in 2024 also indicates that the bank can successfully acquire new customers and expand existing customer relationships.

In summary, the bank benefits from its strong regional presence and its ability to efficiently utilize capital, giving it a significant competitive advantage.

Institutional Investor Share: 23.5% (2025)
Insider Purchases/Sales: No significant changes (2025)

The institutional investor share in Jiangsu Changshu Rural Commercial Bank Co., Ltd. is approximately 23.5%. This indicates a moderate interest from institutional investors, suggesting a certain level of stability and trust in the bank.

Regarding insider purchases or sales, there were no significant changes in 2025. This could indicate that the management and other insiders consider the current market environment to be stable and do not expect drastic changes in the company's valuation.

Market share of Jiangsu Changshu Rural Commercial Bank Co., Ltd.: Estimated around 1-2% (2025)

Major competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): around 20%
2. China Construction Bank: around 18%
3. Agricultural Bank of China: around 15%
4. Bank of China: around 12%
5. Bank of Communications: around 8%
6. China Merchants Bank: around 7%
7. Postal Savings Bank of China: around 5%
8. Industrial Bank Co., Ltd.: around 4%
9. Shanghai Pudong Development Bank: around 3%
10. China Minsheng Banking Corp.: around 3%

Moat of Jiangsu Changshu Rural Commercial Bank:

Jiangsu Changshu Rural Commercial Bank has a limited moat compared to China's large state-owned banks. Its advantage mainly lies in its strong regional presence and focus on rural areas and small to medium-sized enterprises (SMEs) that are often neglected by larger banks.

The major state-owned banks like ICBC and China Construction Bank have a significant moat due to their comprehensive national presence, strong capital base, and close government connections. These factors enable them to serve a broader customer base and offer a wider range of financial services.

Jiangsu Changshu Rural Commercial Bank needs to focus on its niche markets and develop innovative products and services to maintain and expand its market share. The competitive advantage could be strengthened through specialized local knowledge and personalized customer relationships.

Return on Equity (ROE): 12.5% (2024) Total Assets: 200 billion CNY (2024) Net Interest Margin: 2.8% (2024)

Jiangsu Changshu Rural Commercial Bank Co., Ltd. shows a solid return on equity of 12.5%, indicating efficient use of its equity. The total assets of 200 billion CNY highlight the size and stability of the bank in its regional market.

The net interest margin of 2.8% suggests that the bank is able to effectively manage its interest costs while achieving a reasonable margin. This is particularly important in an environment with volatile interest rates.

The bank benefits from its strong regional presence and a stable customer base, providing it with some resilience to economic fluctuations. Furthermore, in recent years, it has invested in digital transformation and risk management, which could strengthen its competitive position.

Overall, Jiangsu Changshu Rural Commercial Bank appears to be a stable and well-managed institution that could be attractive to investors looking for exposure to the Chinese banking sector. However, potential investors should consider the macroeconomic conditions and regulatory developments in China before making an investment decision.

Dividend Yield: 4.5% (2024) Dividend History: Consistent payout over the last 5 years

Jiangsu Changshu Rural Commercial Bank Co., Ltd. has distributed dividends in recent years, with a dividend yield of approximately 4.5% in 2024. The bank has a solid history of dividend payments, indicating a reliable payout policy.

The consistent payout over the past five years demonstrates the bank's commitment to providing its shareholders with a steady return. This can be attributed to stable financial performance and a conservative business policy that enables the bank to pay dividends even in economically challenging times.