Chongqing Rural Commercial Bank Balance Sheet Health
Financial Health criteria checks 6/6
Chongqing Rural Commercial Bank has total assets of CN¥1,432.4B and total equity of CN¥119.4B. Total deposits are CN¥952.3B, and total loans are CN¥636.5B. It earns a Net Interest Margin of 2%. It has sufficient allowance for bad loans, which are currently at 1.2% of total loans. Cash and short-term investments are CN¥222.1B.
Key information
12x
Asset to equity ratio
2.0%
Net interest margin
| Total deposits | CN¥952.30b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | CN¥222.09b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: COGQ.F's Assets to Equity ratio (12x) is moderate.
Allowance for Bad Loans: COGQ.F has a sufficient allowance for bad loans (349%).
Low Risk Liabilities: 73% of COGQ.F's liabilities are made up of primarily low risk sources of funding.
Loan Level: COGQ.F has an appropriate level of Loans to Assets ratio (44%).
Low Risk Deposits: COGQ.F's Loans to Deposits ratio (67%) is appropriate.
Level of Bad Loans: COGQ.F has an appropriate level of bad loans (1.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2023/08/06 19:08 |
| End of Day Share Price | 2023/05/09 00:00 |
| Earnings | 2023/03/31 |
| Annual Earnings | 2022/12/31 |
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 51 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) |
| Wenqing Han | BofA Global Research |