Chongqing Rural Commercial Bank Co (601077) - Net Assets
Based on the latest financial reports, Chongqing Rural Commercial Bank Co (601077) has net assets worth CN¥139.30 Billion CNY (≈ $20.38 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CN¥1.67 Trillion ≈ $243.75 Billion USD) and total liabilities (CN¥1.53 Trillion ≈ $223.37 Billion USD). 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. Check 601077 intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | CN¥139.30 Billion |
| % of Total Assets | 8.36% |
| Annual Growth Rate | 18.29% |
| 5-Year Change | 30.81% |
| 10-Year Change | 157.05% |
| Growth Volatility | 30.48 |
Chongqing Rural Commercial Bank Co - Net Assets Trend (2009–2025)
This chart illustrates how Chongqing Rural Commercial Bank Co's net assets have evolved over time, based on quarterly financial data. See Chongqing Rural Commercial Bank Co liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Chongqing Rural Commercial Bank Co (2009–2025)
The table below shows the annual net assets of Chongqing Rural Commercial Bank Co from 2009 to 2025. For live valuation and market cap data, see Chongqing Rural Commercial Bank Co (601077) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | CN¥139.30 Billion ≈ $20.38 Billion |
+3.91% |
| 2024-12-31 | CN¥134.05 Billion ≈ $19.62 Billion |
+8.21% |
| 2023-12-31 | CN¥123.88 Billion ≈ $18.13 Billion |
+7.29% |
| 2022-12-31 | CN¥115.46 Billion ≈ $16.89 Billion |
+8.43% |
| 2021-12-31 | CN¥106.48 Billion ≈ $15.58 Billion |
+12.00% |
| 2020-12-31 | CN¥95.07 Billion ≈ $13.91 Billion |
+5.87% |
| 2019-12-31 | CN¥89.80 Billion ≈ $13.14 Billion |
+24.47% |
| 2018-12-31 | CN¥72.15 Billion ≈ $10.56 Billion |
+10.58% |
| 2017-12-31 | CN¥65.25 Billion ≈ $9.55 Billion |
+20.40% |
| 2016-12-31 | CN¥54.19 Billion ≈ $7.93 Billion |
+12.22% |
| 2015-12-31 | CN¥48.29 Billion ≈ $7.07 Billion |
+12.69% |
| 2014-12-31 | CN¥42.85 Billion ≈ $6.27 Billion |
+16.15% |
| 2013-12-31 | CN¥36.89 Billion ≈ $5.40 Billion |
+14.46% |
| 2012-12-31 | CN¥32.23 Billion ≈ $4.72 Billion |
+15.70% |
| 2011-12-31 | CN¥27.86 Billion ≈ $4.08 Billion |
+24.19% |
| 2010-12-31 | CN¥22.43 Billion ≈ $3.28 Billion |
+136.67% |
| 2009-12-31 | CN¥9.48 Billion ≈ $1.39 Billion |
-- |
Equity Component Analysis
This analysis shows how different components contribute to Chongqing Rural Commercial Bank Co'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 2785.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CN¥59.72 Billion | 45.54% |
| Common Stock | CN¥11.36 Billion | 8.66% |
| Other Comprehensive Income | CN¥39.74 Billion | 30.31% |
| Other Components | CN¥20.31 Billion | 15.49% |
| Total Equity | CN¥131.13 Billion | 100.00% |
Chongqing Rural Commercial Bank Co Competitors by Market Cap
The table below lists competitors of Chongqing Rural Commercial Bank Co ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Wayfair Inc
NYSE:W
|
$8.10 Billion |
|
Compania de Minas Buenaventura SAA ADR
NYSE:BVN
|
$8.11 Billion |
|
Everbright Securities Co Ltd
SHG:601788
|
$8.11 Billion |
|
NEW ORIENT.EDU.+TE.ADR/10
F:N1UA
|
$8.11 Billion |
|
Renault SA
PA:RNO
|
$8.10 Billion |
|
Lotes Co Ltd
TW:3533
|
$8.10 Billion |
|
Cullen/Frost Bankers Inc
NYSE:CFR
|
$8.09 Billion |
|
Redeia Corporacion S.A.
MC:RED
|
$8.09 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Chongqing Rural Commercial Bank Co's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 132,133,713,000 to 131,129,097,000, a change of -1,004,616,000 (-0.8%).
- Net income of 12,420,000,000 contributed positively to equity growth.
- Dividend payments of 3,717,308,000 reduced retained earnings.
- Other comprehensive income increased equity by 29,144,026,000.
- Other factors decreased equity by 38,851,334,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CN¥12.42 Billion | +9.47% |
| Dividends Paid | CN¥3.72 Billion | -2.83% |
| Other Comprehensive Income | CN¥29.14 Billion | +22.23% |
| Other Changes | CN¥-38.85 Billion | -29.63% |
| Total Change | CN¥- | -0.76% |
Book Value vs Market Value Analysis
This analysis compares Chongqing Rural Commercial Bank Co'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: 0.54x
- 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 3.96x to 0.54x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-12-31 | CN¥1.58 | CN¥6.26 | x |
| 2010-12-31 | CN¥3.26 | CN¥6.26 | x |
| 2011-12-31 | CN¥3.00 | CN¥6.26 | x |
| 2012-12-31 | CN¥3.43 | CN¥6.26 | x |
| 2013-12-31 | CN¥3.90 | CN¥6.26 | x |
| 2014-12-31 | CN¥4.45 | CN¥6.26 | x |
| 2015-12-31 | CN¥5.03 | CN¥6.26 | x |
| 2016-12-31 | CN¥5.66 | CN¥6.26 | x |
| 2017-12-31 | CN¥6.71 | CN¥6.26 | x |
| 2018-12-31 | CN¥7.07 | CN¥6.26 | x |
| 2019-12-31 | CN¥8.58 | CN¥6.26 | x |
| 2020-12-31 | CN¥8.25 | CN¥6.26 | x |
| 2021-12-31 | CN¥9.24 | CN¥6.26 | x |
| 2022-12-31 | CN¥10.01 | CN¥6.26 | x |
| 2023-12-31 | CN¥10.19 | CN¥6.26 | x |
| 2024-12-31 | CN¥11.63 | CN¥6.26 | x |
| 2025-12-31 | CN¥11.55 | CN¥6.26 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Chongqing Rural Commercial Bank Co 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): 9.47%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 43.40%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 12.70x
- Recent ROE (9.47%) is below the historical average (13.05%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 19.92% | 33.26% | 0.03x | 21.25x | CN¥940.59 Million |
| 2010 | 13.70% | 39.53% | 0.03x | 12.78x | CN¥826.71 Million |
| 2011 | 15.24% | 24.60% | 0.05x | 12.35x | CN¥1.46 Billion |
| 2012 | 16.80% | 23.99% | 0.05x | 13.59x | CN¥2.17 Billion |
| 2013 | 16.53% | 22.58% | 0.05x | 13.86x | CN¥2.37 Billion |
| 2014 | 16.48% | 21.20% | 0.05x | 14.94x | CN¥2.69 Billion |
| 2015 | 15.45% | 21.45% | 0.05x | 15.33x | CN¥2.55 Billion |
| 2016 | 15.11% | 24.42% | 0.04x | 15.27x | CN¥2.69 Billion |
| 2017 | 14.03% | 23.49% | 0.04x | 14.22x | CN¥2.57 Billion |
| 2018 | 12.80% | 19.77% | 0.05x | 13.44x | CN¥1.98 Billion |
| 2019 | 11.06% | 20.68% | 0.05x | 11.68x | CN¥938.54 Million |
| 2020 | 8.97% | 17.19% | 0.04x | 12.13x | CN¥-965.68 Million |
| 2021 | 9.11% | 16.91% | 0.04x | 12.07x | CN¥-935.57 Million |
| 2022 | 9.04% | 18.77% | 0.04x | 11.89x | CN¥-1.10 Billion |
| 2023 | 9.42% | 20.49% | 0.04x | 12.45x | CN¥-671.24 Million |
| 2024 | 8.71% | 51.69% | 0.01x | 11.47x | CN¥-1.70 Billion |
| 2025 | 9.47% | 43.40% | 0.02x | 12.70x | CN¥-692.91 Million |
Industry Comparison
This section compares Chongqing Rural Commercial Bank Co's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $119,185,056,537
- Average return on equity (ROE) among peers: 10.82%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Chongqing Rural Commercial Bank Co (601077) | CN¥139.30 Billion | 19.92% | 10.96x | $8.10 Billion |
| Ping An Bank Co Ltd (000001) | $130.95 Billion | 15.12% | 15.70x | $29.87 Billion |
| Bank of Ningbo Co Ltd (002142) | $234.26 Billion | 11.58% | 12.34x | $29.74 Billion |
| Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) | $5.06 Billion | 19.39% | 13.51x | $1.41 Billion |
| Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839) | $19.89 Billion | 9.44% | 10.00x | $1.47 Billion |
| Bank of Zhengzhou Co Ltd Class A (002936) | $59.41 Billion | 5.43% | 8.68x | $1.77 Billion |
| Bank of Qingdao Co Ltd (002948) | $6.96 Billion | 10.61% | 10.07x | $2.86 Billion |
| Qingdao Rural Commercial Bank Corp Class A (002958) | $270.47 Billion | 1.04% | 0.26x | $2.29 Billion |
| Bank of Suzhou (002966) | $15.64 Billion | 10.22% | 9.48x | $5.06 Billion |
| Shanghai Pudong Development Bank Co Ltd (600000) | $418.97 Billion | 12.95% | 13.63x | $44.30 Billion |
| Hua Xia Bank Co Ltd (600015) | $30.23 Billion | 12.44% | 26.96x | $15.44 Billion |
About Chongqing Rural Commercial Bank Co
Chongqing Rural Commercial Bank Co., Ltd., together with its subsidiaries, provides banking and related financial services in the People's Republic of China. It operates through Corporate Banking, Personal Banking, and Financial Market Operations segments. The Corporate Banking segment offers current accounts, deposits, overdrafts, loans, and trade-related products, as well as engages in foreign … Read more