Revenue distribution by industry:

1. Lending: approx. 60%
2. Deposits and asset management: approx. 25%
3. Other financial services: approx. 15%

TOP 3 markets and their percentage shares:

1. China (domestic): approx. 85%
2. Asia (excluding China): approx. 10%
3. International (rest of the world): approx. 5%

Qingdao Rural Commercial Bank Co., Ltd. generates the majority of its revenue from lending, which is typical for a bank with a strong focus on rural and regional markets. Deposits and asset management also represent a significant share, as the bank offers services to both private and business customers.

The bank's main market is China, which is not surprising given its regional focus and origin in Qingdao. However, the bank has also started to expand its presence in other Asian markets, while international markets currently account for only a small portion of its revenue.

Production Sites: Qingdao, China

Qingdao Rural Commercial Bank Co., Ltd. is a bank and not a traditional manufacturing company. Their "products" are financial services mainly offered in Qingdao, China. The bank provides a variety of financial services including loans, deposits, and other banking services delivered through its branches and digital platforms.

Current Growth Strategy: Diversification and Digitalization

Qingdao Rural Commercial Bank Co., Ltd. is pursuing a strategy aimed at diversifying its services and digitalizing. The company plans to expand its market presence by introducing new financial products and services tailored specifically to the needs of the rural population.

Another focus is on digitalizing their banking services to operate more efficiently and customer-friendly. This includes investments in fintech solutions and enhancing their online banking platforms to facilitate access to financial services and improve the customer experience.

Additionally, the bank aims to increase its lending, especially in the area of agricultural financing, to support growth in rural areas. These measures are intended not only to promote growth but also to strengthen the bank's market position in its region.

I'm sorry, but I do not have specific information about which commodities or materials Qingdao Rural Commercial Bank Co., Ltd. imports or from which countries they originate. As a financial institution, it is unlikely that the bank directly imports commodities or materials, as its main business is in the field of financial services.

Financial institutions like Qingdao Rural Commercial Bank are generally not directly involved in the import of commodities. Instead, they focus on services such as lending, deposit management, and other financial services for individuals and businesses.

However, if the bank is indirectly involved through financing or investments in companies that import commodities, this information may be found in the bank's annual reports or investor presentations.

Return on Equity (ROE): 10.5% (2025) Common Equity Tier 1 Ratio (CET1): 11.8% (2025)

Qingdao Rural Commercial Bank Co., Ltd. has a moderate competitive advantage, reflected in a solid return on equity of 10.5% in 2025. This metric indicates that the bank is able to efficiently utilize its equity to generate profits.

The common equity tier 1 ratio of 11.8% in 2025 suggests a stable capital base that enables the bank to manage risks and meet regulatory requirements. This stability is a crucial factor in the banking sector to gain the trust of customers and investors.

Qingdao Rural Commercial Bank's competitive advantage is further supported by its strong regional presence and focus on rural areas in China, where it holds a significant market position. This allows the bank to benefit from specific market knowledge and customer relationships that are difficult to replicate by larger, urban-oriented banks.

Institutional Investor Share: Estimated around 20-25% (2026)
Insider Buys/Sells: No specific current data available

The institutional investor share in Qingdao Rural Commercial Bank Co., Ltd. is estimated to be between 20% and 25%. This estimate is based on typical shares for comparable banks in the region.

Regarding insider buys or sells, no specific current data is available. Such information can vary significantly and is often dependent on short-term market conditions and individual decisions of insiders. It is advisable to regularly check the bank's official reports and publications for up-to-date information.

Market share of Qingdao Rural Commercial Bank Co., Ltd.: Estimated 1-2% (2026)

Top competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): approx. 20%
2. China Construction Bank (CCB): approx. 18%
3. Agricultural Bank of China (ABC): approx. 16%
4. Bank of China (BOC): approx. 15%
5. Bank of Communications: approx. 10%
6. Postal Savings Bank of China: approx. 8%
7. China Merchants Bank: approx. 5%
8. Shanghai Pudong Development Bank: approx. 4%
9. Industrial Bank Co., Ltd.: approx. 3%
10. Qingdao Rural Commercial Bank Co., Ltd.: approx. 1-2%

The market share of Qingdao Rural Commercial Bank Co., Ltd. is relatively low compared to the large state-owned banks in China. These banks dominate the market with their extensive networks and state support.

The "moat" of Qingdao Rural Commercial Bank could lie in its strong regional presence and understanding of local markets. However, this advantage is limited compared to the national banks, which have greater resources and a wider range of services.

The large state-owned banks have a significant moat due to their size, state support, and comprehensive infrastructure. Therefore, they generally have a stronger competitive advantage over smaller regional banks like Qingdao Rural Commercial Bank.

Return on Assets (ROA): 0.9% (2025)
Return on Equity (ROE): 10.5% (2025)
Net Interest Margin: 2.6% (2025)

The Qingdao Rural Commercial Bank Co., Ltd. shows a solid return on equity of 10.5%, indicating that the company efficiently utilizes its shareholders' capital. However, the return on assets of 0.9% is relatively low, suggesting moderate efficiency in utilizing all assets.

The net interest margin of 2.6% is comparatively stable, indicating that the bank is able to generate a reasonable return from its interest operations. This is particularly important for banks as a significant portion of their income comes from interest rate spreads.

Overall, Qingdao Rural Commercial Bank could be a reasonable investment, especially considering the bank's stability and ability to consistently generate returns in a challenging economic environment. However, potential investors should also consider the macroeconomic conditions and regulatory developments in China that could impact the bank.

Dividend Yield: 4.5% (estimated for 2026)

Dividend History: Regular payouts in recent years

Qingdao Rural Commercial Bank Co., Ltd. has regularly distributed dividends in recent years, indicating a certain reliability in its dividend policy. The estimated dividend yield for 2026 is around 4.5%, which is competitive compared to other banks in the sector.

The reliability of dividend payment is supported by the bank's stable financial performance and conservative business policy. However, it is important to regularly review the economic conditions and the specific financial situation of the bank, as these factors can influence future payouts.