Shanghai Rural Commercial Bank Co Ltd (601825) - Net Assets

Latest as of September 2025: CN¥130.21 Billion CNY ≈ $19.05 Billion USD

Based on the latest financial reports, Shanghai Rural Commercial Bank Co Ltd (601825) has net assets worth CN¥130.21 Billion CNY (≈ $19.05 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CN¥1.56 Trillion ≈ $228.00 Billion USD) and total liabilities (CN¥1.43 Trillion ≈ $208.94 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 Shanghai Rural Commercial Bank Co Ltd (601825) liquid assets ratio to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric Value
Current Net Assets CN¥130.21 Billion
% of Total Assets 8.36%
Annual Growth Rate 18.06%
5-Year Change -86.19%
10-Year Change 195.39%
Growth Volatility 276.34

Shanghai Rural Commercial Bank Co Ltd - Net Assets Trend (2006–2024)

This chart illustrates how Shanghai Rural Commercial Bank Co Ltd's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Shanghai Rural Commercial Bank Co Ltd for the complete picture of this company's asset base.

Annual Net Assets for Shanghai Rural Commercial Bank Co Ltd (2006–2024)

The table below shows the annual net assets of Shanghai Rural Commercial Bank Co Ltd from 2006 to 2024. For live valuation and market cap data, see 601825 market cap overview.

Year Net Assets Change
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		 --

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 6721.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2024)

Component Amount Percentage
Retained Earnings CN¥37.15 Billion 30.00%
Common Stock CN¥9.64 Billion 7.79%
Other Comprehensive Income CN¥60.49 Billion 48.85%
Other Components CN¥16.55 Billion 13.36%
Total Equity CN¥123.84 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
Renaissancere Holdings Ltd
NYSE:RNR
 $12.69 Billion
China XD Electric Co Ltd
SHG:601179
 $12.69 Billion
GRAB HOLDINGS LTD CL.A
F:A6I
 $12.71 Billion
Goertek Inc
SHE:002241
 $12.71 Billion
Zhangzhou Pientzehuang Pharmaceutical Co Ltd
SHG:600436
 $12.67 Billion
Align Technology Inc
NASDAQ:ALGN
 $12.66 Billion
Permian Resources Corporation
NYSE:PR
 $12.66 Billion
Wuxi Lead Auto Equipment Co Ltd
SHE:300450
 $12.66 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 2023 to 2024, total equity changed from 112,426,981,000 to 123,836,410,000, a change of 11,409,429,000 (10.1%).
  • Net income of 12,288,156,000 contributed positively to equity growth.
  • Dividend payments of 8,125,747,000 reduced retained earnings.
  • Other comprehensive income increased equity by 10,536,701,000.
  • Other factors decreased equity by 3,289,681,000.

Equity Change Factors (2023 to 2024)

Factor Impact Contribution
Net Income CN¥12.29 Billion +9.92%
Dividends Paid CN¥8.13 Billion -6.56%
Other Comprehensive Income CN¥10.54 Billion +8.51%
Other Changes CN¥-3.29 Billion -2.66%
Total Change CN¥- 10.15%

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: 0.70x
  • 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 11.11x to 0.70x 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¥8.98 x
2007-12-31 CN¥1.40 CN¥8.98 x
2008-12-31 CN¥1.46 CN¥8.98 x
2009-12-31 CN¥1.63 CN¥8.98 x
2010-12-31 CN¥4.61 CN¥8.98 x
2011-12-31 CN¥4.87 CN¥8.98 x
2012-12-31 CN¥3.60 CN¥8.98 x
2013-12-31 CN¥4.00 CN¥8.98 x
2014-12-31 CN¥4.62 CN¥8.98 x
2015-12-31 CN¥5.25 CN¥8.98 x
2016-12-31 CN¥5.80 CN¥8.98 x
2017-12-31 CN¥6.49 CN¥8.98 x
2018-12-31 CN¥7.92 CN¥8.98 x
2019-12-31 CN¥7.38 CN¥8.98 x
2020-12-31 CN¥8.01 CN¥8.98 x
2021-12-31 CN¥10.42 CN¥8.98 x
2022-12-31 CN¥10.56 CN¥8.98 x
2023-12-31 CN¥11.67 CN¥8.98 x
2024-12-31 CN¥12.80 CN¥8.98 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): 9.92%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 24.26%
  • • Asset Turnover: 0.03x
  • • Equity Multiplier: 12.01x
  • Recent ROE (9.92%) is below the historical average (10.93%), 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

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: $28,244,587,797
  • Average return on equity (ROE) among peers: 13.36%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Shanghai Rural Commercial Bank Co Ltd (601825) CN¥130.21 Billion 5.55% 10.97x $12.67 Billion
Ping An Bank Co Ltd (000001) $3.68 Billion 19.42% 9.72x $32.63 Billion
Bank of Ningbo Co Ltd (002142) $149.94 Billion 13.04% 12.44x $32.08 Billion
Jiangsu Jiangyin Rural Commercial Bank Co Ltd (002807) $11.87 Billion 8.53% 9.64x $1.65 Billion
Jiangsu Zhangjiagang Rural Commercial Bank Co Ltd (002839) $15.73 Billion 10.70% 10.93x $1.63 Billion
Bank of Zhengzhou Co Ltd Class A (002936) $39.89 Billion 8.24% 11.55x $1.89 Billion
Bank of Qingdao Co Ltd (002948) $3.94 Billion 10.69% 9.97x $3.14 Billion
Qingdao Rural Commercial Bank Corp Class A (002958) $13.49 Billion 13.82% 11.24x $2.47 Billion
Bank of Suzhou (002966) $28.95 Billion 8.54% 10.86x $5.57 Billion
Shanghai Pudong Development Bank Co Ltd (600000) $13.51 Billion 14.29% 32.72x $45.18 Billion
Hua Xia Bank Co Ltd (600015) $1.46 Billion 26.35% 67.59x $16.05 Billion

About Shanghai Rural Commercial Bank Co Ltd

SHG:601825 China Banks - Regional
Market Cap
$12.67 Billion
CN¥86.61 Billion CNY
Market Cap Rank
#1853 Global
#202 in China
Share Price
CN¥8.98
Change (1 day)
+0.45%
52-Week Range
CN¥8.11 - CN¥10.37
All Time High
CN¥10.37
Categories
Companies in China Banks - Regional Banking & Financial
About

Shanghai Rural Commercial Bank Co., Ltd. engages in commercial banking business in China. The company provides public deposits, short-term, medium-term, and long-term loans, domestic and foreign settlements, bill acceptance and discounting, and safe deposit box services. It also offers financial leasing and other services, including foreign exchange settlement and sale business, and buys and sell… Read more