Jiangsu Jiangyin Rural Commercial Bank Co Ltd
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. provides various personal and corporate banking products and services in China. The company operates through three segments: Corporate Business, Personal Business, and Treasury Business. It offers fixed, current, smart, notice, time, and demand deposits, as well as deposit certificates; gold, mortgage, and personal business and consumption loans; bu… Read more
Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) - Net Assets
Latest net assets as of September 2025: CN¥19.39 Billion CNY
Based on the latest financial reports, Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) has net assets worth CN¥19.39 Billion CNY as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CN¥208.04 Billion) and total liabilities (CN¥188.65 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | CN¥19.39 Billion |
| % of Total Assets | 9.32% |
| Annual Growth Rate | 14.47% |
| 5-Year Change | 53.82% |
| 10-Year Change | 150.98% |
| Growth Volatility | 7.31 |
Jiangsu Jiangyin Rural Commercial Bank Co Ltd - Net Assets Trend (2008–2024)
This chart illustrates how Jiangsu Jiangyin Rural Commercial Bank Co Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Jiangsu Jiangyin Rural Commercial Bank Co Ltd (2008–2024)
The table below shows the annual net assets of Jiangsu Jiangyin Rural Commercial Bank Co Ltd from 2008 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | CN¥18.86 Billion | +17.31% |
| 2023-12-31 | CN¥16.08 Billion | +11.52% |
| 2022-12-31 | CN¥14.42 Billion | +9.49% |
| 2021-12-31 | CN¥13.17 Billion | +7.39% |
| 2020-12-31 | CN¥12.26 Billion | +3.26% |
| 2019-12-31 | CN¥11.87 Billion | +11.08% |
| 2018-12-31 | CN¥10.69 Billion | +14.27% |
| 2017-12-31 | CN¥9.35 Billion | +3.78% |
| 2016-12-31 | CN¥9.01 Billion | +19.95% |
| 2015-12-31 | CN¥7.51 Billion | +14.76% |
| 2014-12-31 | CN¥6.55 Billion | +14.66% |
| 2013-12-31 | CN¥5.71 Billion | +12.87% |
| 2012-12-31 | CN¥5.06 Billion | +14.57% |
| 2011-12-31 | CN¥4.42 Billion | +24.17% |
| 2010-12-31 | CN¥3.56 Billion | +30.87% |
| 2009-12-31 | CN¥2.72 Billion | +25.26% |
| 2008-12-31 | CN¥2.17 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Jiangsu Jiangyin Rural Commercial Bank Co Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 843.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CN¥5.09 Billion | 27.38% |
| Common Stock | CN¥2.46 Billion | 13.24% |
| Other Components | CN¥11.04 Billion | 59.38% |
| Total Equity | CN¥18.59 Billion | 100.00% |
Jiangsu Jiangyin Rural Commercial Bank Co Ltd Competitors by Market Cap
The table below lists competitors of Jiangsu Jiangyin Rural Commercial Bank Co Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Guangdong Provincial Expressway Development Co Ltd
SHE:200429
|
$1.13 Billion |
|
Jamf Holding
NASDAQ:JAMF
|
$1.13 Billion |
|
Xior Student Housing NV
PINK:XIORF
|
$1.13 Billion |
|
DBV Technologies
NASDAQ:DBVT
|
$1.13 Billion |
|
Bristow Group Inc
NYSE:VTOL
|
$1.12 Billion |
|
J & J Snack Foods Corp
NASDAQ:JJSF
|
$1.12 Billion |
|
Shaanxi Huaqin Technology Industry Co. Ltd. A
SHG:688281
|
$1.12 Billion |
|
Astec Industries Inc
NASDAQ:ASTE
|
$1.12 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Jiangsu Jiangyin Rural Commercial Bank Co Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 15,790,674,000 to 18,589,690,000, a change of 2,799,016,000 (17.7%).
- Net income of 2,036,812,000 contributed positively to equity growth.
- Dividend payments of 612,107,000 reduced retained earnings.
- Other comprehensive income decreased equity by 7,575,452,000.
- Other factors increased equity by 8,949,763,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CN¥2.04 Billion | +10.96% |
| Dividends Paid | CN¥612.11 Million | -3.29% |
| Other Comprehensive Income | CN¥-7.58 Billion | -40.75% |
| Other Changes | CN¥8.95 Billion | +48.14% |
| Total Change | CN¥- | 17.73% |
Book Value vs Market Value Analysis
This analysis compares Jiangsu Jiangyin Rural Commercial Bank Co Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.63x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.93x to 0.63x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | CN¥1.55 | CN¥4.55 | x |
| 2009-12-31 | CN¥1.95 | CN¥4.55 | x |
| 2010-12-31 | CN¥2.48 | CN¥4.55 | x |
| 2011-12-31 | CN¥3.11 | CN¥4.55 | x |
| 2012-12-31 | CN¥3.22 | CN¥4.55 | x |
| 2013-12-31 | CN¥3.64 | CN¥4.55 | x |
| 2014-12-31 | CN¥3.35 | CN¥4.55 | x |
| 2015-12-31 | CN¥3.87 | CN¥4.55 | x |
| 2016-12-31 | CN¥4.48 | CN¥4.55 | x |
| 2017-12-31 | CN¥4.31 | CN¥4.55 | x |
| 2018-12-31 | CN¥4.49 | CN¥4.55 | x |
| 2019-12-31 | CN¥5.10 | CN¥4.55 | x |
| 2020-12-31 | CN¥4.73 | CN¥4.55 | x |
| 2021-12-31 | CN¥5.05 | CN¥4.55 | x |
| 2022-12-31 | CN¥5.50 | CN¥4.55 | x |
| 2023-12-31 | CN¥6.04 | CN¥4.55 | x |
| 2024-12-31 | CN¥7.18 | CN¥4.55 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Jiangsu Jiangyin Rural Commercial Bank Co Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.96%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 29.12%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 10.77x
- Recent ROE (10.96%) is below the historical average (14.60%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | 28.21% | 32.04% | 0.06x | 15.11x | CN¥386.43 Million |
| 2009 | 23.46% | 36.49% | 0.04x | 15.53x | CN¥359.24 Million |
| 2010 | 25.32% | 37.41% | 0.04x | 15.65x | CN¥517.09 Million |
| 2011 | 20.94% | 29.01% | 0.05x | 13.33x | CN¥462.10 Million |
| 2012 | 20.35% | 23.17% | 0.06x | 15.23x | CN¥498.98 Million |
| 2013 | 18.35% | 23.71% | 0.06x | 13.96x | CN¥455.01 Million |
| 2014 | 13.07% | 18.82% | 0.05x | 13.35x | CN¥191.95 Million |
| 2015 | 11.26% | 18.32% | 0.05x | 12.51x | CN¥91.07 Million |
| 2016 | 8.89% | 17.89% | 0.04x | 11.89x | CN¥-97.27 Million |
| 2017 | 8.84% | 17.07% | 0.04x | 11.96x | CN¥-106.43 Million |
| 2018 | 8.11% | 15.52% | 0.05x | 10.87x | CN¥-199.61 Million |
| 2019 | 8.61% | 17.18% | 0.05x | 10.75x | CN¥-163.06 Million |
| 2020 | 8.71% | 17.66% | 0.04x | 11.77x | CN¥-156.27 Million |
| 2021 | 9.78% | 20.31% | 0.04x | 11.76x | CN¥-28.89 Million |
| 2022 | 11.32% | 23.72% | 0.04x | 11.82x | CN¥188.56 Million |
| 2023 | 11.96% | 26.79% | 0.04x | 11.78x | CN¥309.02 Million |
| 2024 | 10.96% | 29.12% | 0.03x | 10.77x | CN¥177.84 Million |
Industry Comparison
This section compares Jiangsu Jiangyin Rural Commercial Bank Co Ltd's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $37,913,281,840
- Average return on equity (ROE) among peers: 11.85%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) | CN¥19.39 Billion | 28.21% | 9.73x | $1.12 Billion |
| Ping An Bank Co Ltd (000001) | $202.17 Billion | 11.18% | 13.61x | $11.97 Billion |
| Bank of Ningbo Co Ltd (002142) | $18.71 Billion | 17.39% | 12.92x | $12.56 Billion |
| Bank of Zhengzhou Co Ltd Class A (002936) | $39.89 Billion | 8.24% | 11.55x | $1.61 Billion |
| Bank of Qingdao Co Ltd (002948) | $3.94 Billion | 10.69% | 9.97x | $1.05 Billion |
| Qingdao Rural Commercial Bank Corp Class A (002958) | $21.34 Billion | 11.33% | 12.78x | $1.41 Billion |
| Bank of Suzhou (002966) | $24.59 Billion | 9.12% | 11.65x | $3.53 Billion |
| Shanghai Pudong Development Bank Co Ltd (600000) | $13.51 Billion | 14.29% | 32.72x | $19.89 Billion |
| Hua Xia Bank Co Ltd (600015) | $11.64 Billion | 12.51% | 37.22x | $4.17 Billion |
| China Minsheng Banking Corp Ltd (600016) | $5.42 Billion | 11.91% | 24.60x | $12.93 Billion |