Shanghai Rural Commercial Bank Co Ltd (601825) - Net Assets
Based on the latest financial reports, Shanghai Rural Commercial Bank Co Ltd (601825) has net assets worth CN¥136.12 Billion CNY (≈ $19.92 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CN¥1.63 Trillion ≈ $238.14 Billion USD) and total liabilities (CN¥1.49 Trillion ≈ $218.22 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 how tangible is Shanghai Rural Commercial Bank Co Ltd's equity to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | CN¥136.12 Billion |
| % of Total Assets | 8.36% |
| Annual Growth Rate | 17.24% |
| 5-Year Change | -87.25% |
| 10-Year Change | 177.35% |
| Growth Volatility | 269.51 |
Shanghai Rural Commercial Bank Co Ltd - Net Assets Trend (2006–2025)
This chart illustrates how Shanghai Rural Commercial Bank Co Ltd's net assets have evolved over time, based on quarterly financial data. See Shanghai Rural Commercial Bank Co Ltd defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Shanghai Rural Commercial Bank Co Ltd (2006–2025)
The table below shows the annual net assets of Shanghai Rural Commercial Bank Co Ltd from 2006 to 2025. For live valuation and market cap data, see 601825 market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | CN¥132.28 Billion ≈ $19.36 Billion |
+3.36% |
| 2024-12-31 | CN¥127.98 Billion ≈ $18.73 Billion |
+9.99% |
| 2023-12-31 | CN¥116.36 Billion ≈ $17.03 Billion |
-90.01% |
| 2022-12-31 | CN¥1.16 Trillion ≈ $170.42 Billion |
+12.25% |
| 2021-12-31 | CN¥1.04 Trillion ≈ $151.82 Billion |
+11.93% |
| 2020-12-31 | CN¥926.92 Billion ≈ $135.64 Billion |
+9.05% |
| 2019-12-31 | CN¥850.03 Billion ≈ $124.39 Billion |
+1211.75% |
| 2018-12-31 | CN¥64.80 Billion ≈ $9.48 Billion |
+22.23% |
| 2017-12-31 | CN¥53.02 Billion ≈ $7.76 Billion |
+11.16% |
| 2016-12-31 | CN¥47.69 Billion ≈ $6.98 Billion |
+10.08% |
| 2015-12-31 | CN¥43.33 Billion ≈ $6.34 Billion |
+13.59% |
| 2014-12-31 | CN¥38.14 Billion ≈ $5.58 Billion |
+15.63% |
| 2013-12-31 | CN¥32.99 Billion ≈ $4.83 Billion |
+11.45% |
| 2012-12-31 | CN¥29.60 Billion ≈ $4.33 Billion |
+18.09% |
| 2011-12-31 | CN¥25.07 Billion ≈ $3.67 Billion |
+7.92% |
| 2010-12-31 | CN¥23.23 Billion ≈ $3.40 Billion |
+77.72% |
| 2009-12-31 | CN¥13.07 Billion ≈ $1.91 Billion |
+12.25% |
| 2008-12-31 | CN¥11.64 Billion ≈ $1.70 Billion |
+4.33% |
| 2007-12-31 | CN¥11.16 Billion ≈ $1.63 Billion |
+73.12% |
| 2006-12-31 | CN¥6.45 Billion ≈ $943.27 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Shanghai 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 7172.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CN¥39.61 Billion | 30.97% |
| Other Components | CN¥88.30 Billion | 69.03% |
| Total Equity | CN¥127.91 Billion | 100.00% |
Shanghai Rural Commercial Bank Co Ltd Competitors by Market Cap
The table below lists competitors of Shanghai Rural Commercial Bank Co Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Bank of Chengdu Co Ltd
SHG:601838
|
$11.57 Billion |
|
Samsung SDS Co Ltd
KO:018260
|
$11.58 Billion |
|
Aritzia Inc
TO:ATZ
|
$11.59 Billion |
|
CENTRICA ADR NEW 2004/4
F:CENN
|
$11.61 Billion |
|
Ambuja Cements Limited
NSE:AMBUJACEM
|
$11.56 Billion |
|
Henan Shuanghui Investment & Development Co Ltd
SHE:000895
|
$11.55 Billion |
|
Bureau Veritas SA
PA:BVI
|
$11.54 Billion |
|
Kerry Group
IR:KRZ
|
$11.54 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Shanghai Rural Commercial Bank Co Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 123,836,410,000 to 127,905,738,000, a change of 4,069,328,000 (3.3%).
- Net income of 12,312,825,000 contributed positively to equity growth.
- Dividend payments of 6,067,037,000 reduced retained earnings.
- Other comprehensive income decreased equity by 60,494,390,000.
- Other factors increased equity by 58,317,930,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CN¥12.31 Billion | +9.63% |
| Dividends Paid | CN¥6.07 Billion | -4.74% |
| Other Comprehensive Income | CN¥-60.49 Billion | -47.3% |
| Other Changes | CN¥58.32 Billion | +45.59% |
| Total Change | CN¥- | 3.29% |
Book Value vs Market Value Analysis
This analysis compares Shanghai 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: 0.62x
- 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 10.15x to 0.62x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-12-31 | CN¥0.81 | CN¥8.20 | x |
| 2007-12-31 | CN¥1.40 | CN¥8.20 | x |
| 2008-12-31 | CN¥1.46 | CN¥8.20 | x |
| 2009-12-31 | CN¥1.63 | CN¥8.20 | x |
| 2010-12-31 | CN¥4.61 | CN¥8.20 | x |
| 2011-12-31 | CN¥4.87 | CN¥8.20 | x |
| 2012-12-31 | CN¥3.60 | CN¥8.20 | x |
| 2013-12-31 | CN¥4.00 | CN¥8.20 | x |
| 2014-12-31 | CN¥4.62 | CN¥8.20 | x |
| 2015-12-31 | CN¥5.25 | CN¥8.20 | x |
| 2016-12-31 | CN¥5.80 | CN¥8.20 | x |
| 2017-12-31 | CN¥6.49 | CN¥8.20 | x |
| 2018-12-31 | CN¥7.92 | CN¥8.20 | x |
| 2019-12-31 | CN¥7.38 | CN¥8.20 | x |
| 2020-12-31 | CN¥8.01 | CN¥8.20 | x |
| 2021-12-31 | CN¥10.42 | CN¥8.20 | x |
| 2022-12-31 | CN¥10.56 | CN¥8.20 | x |
| 2023-12-31 | CN¥11.67 | CN¥8.20 | x |
| 2024-12-31 | CN¥12.80 | CN¥8.20 | x |
| 2025-12-31 | CN¥13.26 | CN¥8.20 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Shanghai 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): 9.63%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 48.67%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 12.41x
- Recent ROE (9.63%) is below the historical average (10.86%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | 5.55% | 7.83% | 0.03x | 21.11x | CN¥-287.02 Million |
| 2007 | 3.32% | 6.40% | 0.04x | 14.11x | CN¥-745.38 Million |
| 2008 | 6.36% | 9.85% | 0.04x | 14.89x | CN¥-423.51 Million |
| 2009 | 15.14% | 24.35% | 0.04x | 16.30x | CN¥669.00 Million |
| 2010 | 9.58% | 22.75% | 0.04x | 10.88x | CN¥-97.65 Million |
| 2011 | 12.75% | 22.10% | 0.05x | 12.40x | CN¥687.72 Million |
| 2012 | 12.96% | 20.25% | 0.05x | 12.59x | CN¥850.22 Million |
| 2013 | 13.23% | 20.40% | 0.05x | 13.21x | CN¥1.03 Billion |
| 2014 | 13.14% | 19.91% | 0.05x | 13.16x | CN¥1.16 Billion |
| 2015 | 13.45% | 20.57% | 0.05x | 14.01x | CN¥1.44 Billion |
| 2016 | 12.77% | 20.97% | 0.04x | 15.38x | CN¥1.28 Billion |
| 2017 | 13.10% | 20.70% | 0.04x | 15.52x | CN¥1.60 Billion |
| 2018 | 11.48% | 20.99% | 0.04x | 13.10x | CN¥944.59 Million |
| 2019 | 12.43% | 23.92% | 0.04x | 13.07x | CN¥1.73 Billion |
| 2020 | 10.57% | 19.78% | 0.04x | 13.69x | CN¥439.59 Million |
| 2021 | 10.34% | 21.23% | 0.04x | 12.35x | CN¥321.06 Million |
| 2022 | 10.78% | 22.73% | 0.04x | 12.58x | CN¥790.98 Million |
| 2023 | 10.80% | 23.80% | 0.04x | 12.38x | CN¥899.26 Million |
| 2024 | 9.92% | 24.26% | 0.03x | 12.01x | CN¥-95.48 Million |
| 2025 | 9.63% | 48.67% | 0.02x | 12.41x | CN¥-477.75 Million |
Industry Comparison
This section compares Shanghai 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: $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 |
|---|---|---|---|---|
| Shanghai Rural Commercial Bank Co Ltd (601825) | CN¥136.12 Billion | 5.55% | 10.96x | $11.57 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 Shanghai Rural Commercial Bank Co Ltd
Shanghai Rural Commercial Bank Co., Ltd. engages in commercial banking business in China. The company accepts public deposits; acts as agent for the issuance, redemption, and underwriting of government bonds; buying and selling government bonds and financial bonds. It also provides short-term, medium-term, and long-term loans; handling domestic and foreign settlements; handling bill acceptance an… Read more