Distribution of revenues by industry:

• Lending: approx. 60%
• Investment banking: approx. 20%
• Asset management: approx. 15%
• Other financial services: approx. 5%

TOP 3 markets:

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

China Everbright Bank Company Limited generates the majority of its revenues from lending, which is typical for a bank of this size and focus. The Chinese market dominates the revenue distribution, reflecting the bank's strong local presence. Hong Kong represents the second largest market, followed by other international markets, which, however, account for a smaller share.

Production Sites: Mainly in China

China Everbright Bank Company Limited is a financial institution and not a production company in the traditional sense. As a bank, it does not produce physical products but offers financial services. These services are mainly provided in China, where the bank has its branches and operational offices.

The bank is present in various cities in China and offers services such as loans, deposits, asset management, and other financial products. Its headquarters are located in Beijing, from where it manages its strategic decisions and the majority of its operational activities.

Current Growth Strategy: Diversification and Digitalization

China Everbright Bank Company Limited is pursuing a strategy that focuses on diversification and digitalization. The company plans to expand its services by enhancing digital platforms to offer more efficient and customer-oriented solutions.

Another key focus is on diversifying the product portfolio, especially in the areas of asset management and international banking. These measures are intended to expand the customer base and tap into new sources of revenue.

In addition, the bank is investing in sustainable financial solutions to meet the growing demands for Environmental, Social, and Governance (ESG) criteria. This is not only intended to contribute to risk mitigation but also to open up new business opportunities.

Unfortunately, I do not have specific data on the raw material imports of China Everbright Bank Company Limited for the year 2025. As a financial institution, China Everbright Bank is primarily active in the banking and financial services sector and is not directly involved in the production or trade of raw materials.

However, the bank could be indirectly involved through financing and investments in companies that import raw materials. In such cases, it would be advisable to focus on the industries supported by the bank to get an idea of the possible raw material imports.

For more detailed information, it would be advisable to consult the bank's annual reports or specific industry analyses that could provide insights into the bank's investment focus.

Return on Equity (ROE): 10.5% (2024) Tier 1 Capital Ratio: 11.8% (2024) Market share in the Chinese banking sector: approx. 3% (2024)

China Everbright Bank Company Limited has a moderate competitive advantage in the Chinese banking sector. The return on equity of 10.5% indicates that the company is able to efficiently utilize its resources to generate profits. This is in line with the industry average and suggests a solid profitability.

The Tier 1 capital ratio of 11.8% is an indicator of the bank's financial stability. It is within the regulatory requirements range, demonstrating that the bank is well capitalized to mitigate potential risks.

With a market share of around 3%, China Everbright Bank is among the medium-sized players in the Chinese banking sector. The competitive advantage is strengthened by a strong presence in specific niche markets and a strategic focus on digital innovations. However, the bank operates in a highly competitive market where large state-owned banks and emerging fintech companies are also vying for market share.

Institutional investor share: approx. 45% (estimated for 2025)
Insider purchases/sales: No significant transactions in the last year (estimated for 2025)

The institutional investor share in China Everbright Bank Company Limited is estimated to be around 45%. This demonstrates the confidence of institutional investors in the stability and growth potential of the bank.

In 2025, there were no significant insider purchases or sales, indicating a stable assessment by the company's management regarding the bank's future development. Such transactions could suggest that the executives do not expect drastic changes in the company's value.

Market share of China Everbright Bank: Estimated 2-3% (2025)

Main competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): approx. 10-12%
2. China Construction Bank (CCB): approx. 9-11%
3. Agricultural Bank of China (ABC): approx. 8-10%
4. Bank of China (BOC): approx. 7-9%
5. Bank of Communications: approx. 4-5%
6. China Merchants Bank: approx. 3-4%
7. China Everbright Bank: approx. 2-3%
8. Ping An Bank: approx. 2-3%
9. Industrial Bank Co., Ltd.: approx. 2-3%
10. Shanghai Pudong Development Bank: approx. 2-3%

Moat of China Everbright Bank:

China Everbright Bank has a moderate moat, mainly supported by its state backing and connections to other state-owned enterprises. These relationships enable the bank to access favorable sources of financing and maintain a stable customer base.

In comparison to larger competitors like ICBC or CCB, which have extensive networks and a strong international presence, the moat of China Everbright Bank is less pronounced. These larger banks have a significant advantage due to their size, economies of scale, and international diversification.

However, China Everbright Bank could strengthen its moat through specialized services or innovative financial products. Currently, it lags behind the leading banks in terms of the breadth and depth of its moat.

Return on total capital: 0.9% (2024) Return on equity: 11.2% (2024) Net interest margin: 1.8% (2024)

China Everbright Bank has achieved a stable return on equity of over 11% in recent years, indicating efficient use of equity capital. However, the return on total capital of 0.9% shows that the overall profitability is moderate compared to other banks in the sector.

The net interest margin of 1.8% is an indicator of the bank's ability to generate income from interest rate differentials between deposits and loans. This figure is relatively low compared to international standards, indicating strong competition in the Chinese banking sector.

Overall, China Everbright Bank's stock could be attractive to investors seeking stable returns, but they should consider the moderate growth opportunities and challenges in the Chinese banking sector. A detailed analysis of the bank's strategic initiatives and macroeconomic conditions in China would be advisable to make an informed investment decision.

Dividend yield: 4.5% (2025, estimated)
Dividend history: Stable payouts in the last five years

China Everbright Bank Company Limited has regularly distributed dividends in recent years. The estimated dividend yield for 2025 is around 4.5%, which is competitive compared to other banks in the region.

The bank has a solid dividend history and demonstrates a reliable payout policy. This suggests that it will continue to strive to provide its shareholders with stable returns in the future. The financial stability and profitability of the bank support this assumption.