Chongqing Rural Commercial Bank Balance Sheet Health
Financial Health criteria checks 6/6
Chongqing Rural Commercial Bank has total assets of CN¥1,517.5B and total equity of CN¥132.1B. Total deposits are CN¥940.9B, and total loans are CN¥776.2B. It earns a Net Interest Margin of 1.7%. It has sufficient allowance for bad loans, which are currently at 1% of total loans. Cash and short-term investments are CN¥181.9B.
Key information
11.5x
Asset to equity ratio
1.7%
Net interest margin
| Total deposits | CN¥940.93b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.0% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | CN¥181.89b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 3618's Assets to Equity ratio (11.5x) is moderate.
Allowance for Bad Loans: 3618 has a sufficient allowance for bad loans (357%).
Low Risk Liabilities: 68% of 3618's liabilities are made up of primarily low risk sources of funding.
Loan Level: 3618 has an appropriate level of Loans to Assets ratio (51%).
Low Risk Deposits: 3618's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: 3618 has an appropriate level of bad loans (1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/27 18:04 |
| End of Day Share Price | 2024/12/27 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Chongqing Rural Commercial Bank Co., Ltd. is covered by 53 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Meizhi Yan | Barclays |
| Judy Zhang | BNP Paribas Securities (Asia) |
| Cho Ming Lau | BOCI Research Ltd. |