Industry Revenues:

• Lending and Loans: approx. 55%
• Deposits and Account Management: approx. 25%
• Investment Banking and Asset Management: approx. 15%
• Other Financial Services: approx. 5%

TOP 3 Markets:

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

The Bank of Shanghai Co., Ltd. generates the majority of its revenues from lending and the associated interest income. Deposits and account management fees also contribute significantly to the revenues, followed by investment banking services.

The bank's main market is China, which is not surprising as it is one of the leading banks in Shanghai. Hong Kong represents the second largest market, followed by international markets, which, however, account for a relatively small share of the total revenue.

Bank of Shanghai Co., Ltd. is a financial institution and does not produce physical products.

The bank offers a variety of financial services, including retail banking, corporate banking, asset management, and investment banking. Its services are mainly provided in China, with a focus on the Shanghai region.

As it is a bank, its "products" are in the form of financial services and not physical.

Strategy for Future Growth:

1. Digitization and Technological Innovation: The Bank of Shanghai is increasingly focusing on digitizing its services. This includes the development and implementation of fintech solutions to enhance customer experience and create more efficient processes.

2. Expansion of the Loan Portfolio: The bank plans to diversify its loan portfolio, particularly by providing loans to small and medium-sized enterprises (SMEs) to support their growth while promoting its own revenue growth.

3. Sustainability and ESG Initiatives: Another focus is on sustainable financing projects. The bank is involved in Environmental, Social, and Governance (ESG) initiatives to meet regulatory requirements and take on social responsibility.

4. International Expansion: The Bank of Shanghai is exploring opportunities to expand into international markets to strengthen its presence outside of China and tap into new sources of revenue.

These strategic measures aim to increase the bank's competitiveness and secure long-term stable growth opportunities.

Commodities/Materials: No specific commodities

Import countries: Not applicable

The Bank of Shanghai Co., Ltd. is a financial institution and not a production or trading company. Therefore, it does not import physical commodities or materials. Banks primarily operate in the financial services sector, including lending, asset management, and payment processing.

If you need information about the financial services or investments of the bank, I am happy to assist.

Return on Equity (ROE): 10.5% (2024)
Common Equity Tier 1 Ratio (CET1): 11.2% (2024)
Market Share in Shanghai: 15% (estimated, 2024)

The competitive advantage of Bank of Shanghai Co., Ltd. can be assessed through several factors. The return on equity of 10.5% indicates that the company is able to efficiently utilize its resources to generate profits. This is an indicator of solid financial performance compared to other banks in the region.

The common equity Tier 1 ratio of 11.2% suggests a strong capital base that enables the bank to manage risks and meet regulatory requirements. A solid capital adequacy is crucial to survive in a competitive market environment.

The estimated market share of 15% in Shanghai shows that the bank has a significant presence in one of China's key economic regions. This local market strength can be considered a competitive advantage as it provides the bank with access to a large customer base and potential growth opportunities.

In summary, Bank of Shanghai has a solid competitive advantage due to its financial stability and strong market position in Shanghai. However, it must continue to invest in innovation and customer service to maintain its position against domestic and international competitors.

Institutional Investor Share: approximately 45% (2025, estimate based on previous years)

Insider Buys/Sells: No significant transactions reported (2025, estimate)

The institutional investor share at Bank of Shanghai Co., Ltd. is estimated to be around 45%. This figure is based on trends and data from previous years, as precise current data for 2025 is not available. Institutional investors play a significant role in the stability and trust in the bank.

Regarding insider buys and sells, there have been no significant transactions reported for 2025. This could indicate that insiders have confidence in the current business strategy and market position of the bank.

Market share of Bank of Shanghai: Estimated 3.5% (2025)

Top competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): 12.5%
2. China Construction Bank (CCB): 11.8%
3. Agricultural Bank of China: 10.2%
4. Bank of China: 9.7%
5. China Merchants Bank: 6.5%
6. Bank of Communications: 5.8%
7. Postal Savings Bank of China: 5.0%
8. Industrial Bank Co., Ltd.: 4.2%
9. Bank of Shanghai: 3.5%
10. China CITIC Bank: 3.0%

Moat of Bank of Shanghai:

In comparison to China's largest state-owned banks, the moat of Bank of Shanghai is relatively small. The bank benefits from its strong regional presence and a good network in Shanghai, giving it a certain advantage in this region. However, it lacks international reach and the comprehensive resources that larger banks like ICBC or CCB possess.

The biggest competitors, especially the "Big Four" (ICBC, CCB, Agricultural Bank of China, Bank of China), have significant advantages due to their size, extensive networks, and government support. These factors give them a stronger moat, particularly in terms of economies of scale, international presence, and access to capital.

In summary, Bank of Shanghai is well positioned in its regional market, but compared to the large national banks, it has a less pronounced moat. To strengthen its competitive position, the bank could benefit from strategic partnerships or expansion into specialized financial services.

Return on Equity: 10.5% (2024) Return on Total Capital: 0.9% (2024) Core Capital Ratio: 10.8% (2024)

The Bank of Shanghai Co., Ltd. shows a solid return on equity of 10.5%, indicating efficient use of equity. This is a positive sign for investors as it suggests a strong ability to generate profits from the capital employed.

The return on total capital of 0.9% is relatively low, indicating that the bank may have difficulties in generating high returns from its total assets. This could be an area of interest for potential investors, especially when compared to other banks in the industry.

The core capital ratio of 10.8% shows that the bank is well capitalized and has a solid financial foundation to mitigate potential risks. A strong capital base is crucial for the stability and growth potential of a bank.

Overall, the Bank of Shanghai could be an attractive investment considering the solid return on equity and strong capital base. However, investors should take into account the low return on total capital and the overall economic situation in China before making a final decision.

Dividend Yield: 3.5% (2024)

Dividend History: Continuous payout over the last 5 years

Bank of Shanghai Co., Ltd. regularly pays dividends to its shareholders. The dividend yield was recently around 3.5%, which can be considered stable compared to other banks in the Asian region.

Over the past five years, the bank has consistently distributed dividends, indicating a reliable dividend policy. This stability is often a sign of a solid financial foundation and a conservative business policy.

Analysts view the bank's dividend policy as sustainable, particularly due to its strong capitalization and ability to compete in a challenging market environment.