Main source of income: Net interest income
Top 3 markets:

1. Retail customer market: approx. 40%
2. Corporate customer market: approx. 35%
3. Real estate financing: approx. 25%

The Bank of Chengdu Co., Ltd. generates the majority of its revenue from net interest income, which is the difference between interest income and interest expenses. This is typical for banks mainly engaged in lending activities.

The retail customer market is the largest market sector for the bank, as it offers a variety of products and services to individuals, including mortgages, consumer loans, and deposit products.

The corporate customer market closely follows, with the bank providing companies with various financial solutions, including working capital loans and investment financing.

Real estate financing also represents a significant share, as the bank is heavily involved in financing construction projects and real estate developments in the region.

Bank of Chengdu Co., Ltd. is a financial institution and not a manufacturing company. Therefore, it does not produce physical products.

The bank offers financial services such as loans, deposits, asset management, and other banking-related services. Its main activities focus on the financial sector and not on the production of products.

Return on Capital: 10.5% (2024)
Credit Growth: 8.2% (2024)
Net Interest Margin: 2.3% (2024)

The Bank of Chengdu Co., Ltd. is pursuing a growth strategy focused on expanding its loan portfolio and improving its net interest margin. A key element of this strategy is an increased focus on small and medium-sized enterprises (SMEs) that play a significant role in the Chengdu region and beyond.

Additionally, the bank is investing in digital technologies to enhance its efficiency and improve customer experience. This includes the development of online banking platforms and mobile applications aimed at facilitating access to banking services and increasing customer loyalty.

Another focus is on geographical expansion within China to tap into new markets and broaden the customer base. These measures are intended to support the bank's long-term growth and strengthen its market position.

Imported raw materials/materials: No specific raw materials

Countries of origin: Not applicable

Bank of Chengdu Co., Ltd. is a financial institution and not a production or trading company. Therefore, it does not import physical raw materials or materials. Its business activities focus on financial services such as loans, deposits, and investments. Financial institutions typically do not import physical materials, but operate in the realm of capital and financial products.

Return on Equity (ROE): 14.5% (2024)
Cost-Income Ratio: 35% (2024)
Market Share in Chengdu: 20% (estimated, 2024)

The Bank of Chengdu Co., Ltd. has a solid competitive advantage, demonstrated by a high return on equity of 14.5% in 2024. This indicates that the company efficiently utilizes its resources to generate profits.

The cost-income ratio of 35% is also noteworthy as it signals efficient cost control. A low ratio means that the bank has to spend less of its income on operating expenses, strengthening its profitability.

Furthermore, the bank holds an estimated market share of 20% in Chengdu, emphasizing its strong regional presence. These factors together point to a significant competitive advantage, especially in its local market.

Institutional Investor Share: Estimated 45% (2025)
Insider Buys/Sells: No significant transactions in the last year (2024)

The institutional investor share in Bank of Chengdu Co., Ltd. is approximately 45%. This indicates a strong interest from institutional investors, suggesting confidence in the long-term stability and growth potential of the bank.

Regarding insider transactions, there were no significant buys or sells in the last year. This could indicate that the management and other insiders are satisfied with the current valuation of the company and see no need to change their positions.

Market share of Bank of Chengdu Co., Ltd.: Estimate: 2-3% (2025)

Top competitors and their market shares:

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

The market share of Bank of Chengdu Co., Ltd. is relatively small compared to the largest banks in China. The bank focuses on regional markets and has built a solid foundation in the Sichuan province. Its moat mainly lies in its strong regional presence and the ability to maintain local customer relationships.

In comparison to the leading banks with national and international networks, the moat of Bank of Chengdu is less pronounced. The large banks have advantages due to their size, comprehensive services, and ability to make significant investments in technology and infrastructure.

In summary, Bank of Chengdu is well positioned in its regional market but has a smaller moat compared to its larger competitors on a national scale.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity (ROE): 14.5% (2024)

In 2024, Bank of Chengdu Co., Ltd. achieved a solid revenue growth of 8.5%, indicating strong demand for its financial services and effective business expansion. The profit growth of 10.2% demonstrates the bank's ability to efficiently manage costs and increase profitability.

The return on equity of 14.5% is an indicator of effective use of equity to generate profits. This metric is above the industry average, suggesting strong operational efficiency and good capital utilization.

In summary, the financial performance of Bank of Chengdu Co., Ltd. points to a stable and growth-oriented business development. This could make the stock an attractive investment opportunity, especially for investors interested in long-term growth. However, it is advisable to also consider other factors such as the macroeconomic environment and the specific risks of the bank before making an investment decision.

Dividend Yield: 3.5% (2024, estimated)

Dividend History: Regular payouts over the last 5 years

In recent years, Bank of Chengdu Co., Ltd. has regularly distributed dividends, indicating a certain reliability in its dividend policy. The estimated dividend yield for the year 2024 is 3.5%, which can be considered stable compared to other banks in the same market segment.

The reliability of dividend payment is supported by the bank's solid financial performance. However, it is important to consider the economic conditions and regulatory changes in China that could affect future payouts. Analysts recommend monitoring the financial stability and strategic plans of the bank to assess the sustainability of its dividend policy.