Jiangsu Wujiang Rural Coml Bk (603323) - Net Assets
Based on the latest financial reports, Jiangsu Wujiang Rural Coml Bk (603323) has net assets worth CN¥19.38 Billion CNY (≈ $2.84 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¥239.73 Billion ≈ $35.08 Billion USD) and total liabilities (CN¥220.35 Billion ≈ $32.24 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 603323 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¥19.38 Billion |
| % of Total Assets | 8.08% |
| Annual Growth Rate | 16.45% |
| 5-Year Change | -87.16% |
| 10-Year Change | 139.77% |
| Growth Volatility | 243.92 |
Jiangsu Wujiang Rural Coml Bk - Net Assets Trend (2005–2025)
This chart illustrates how Jiangsu Wujiang Rural Coml Bk's net assets have evolved over time, based on quarterly financial data. See Jiangsu Wujiang Rural Coml Bk liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Jiangsu Wujiang Rural Coml Bk (2005–2025)
The table below shows the annual net assets of Jiangsu Wujiang Rural Coml Bk from 2005 to 2025. For live valuation and market cap data, see Jiangsu Wujiang Rural Coml Bk market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | CN¥18.89 Billion ≈ $2.76 Billion |
+4.63% |
| 2024-12-31 | CN¥18.06 Billion ≈ $2.64 Billion |
+14.30% |
| 2023-12-31 | CN¥15.80 Billion ≈ $2.31 Billion |
-90.49% |
| 2022-12-31 | CN¥166.05 Billion ≈ $24.30 Billion |
+12.91% |
| 2021-12-31 | CN¥147.07 Billion ≈ $21.52 Billion |
+13.12% |
| 2020-12-31 | CN¥130.02 Billion ≈ $19.03 Billion |
+11.55% |
| 2019-12-31 | CN¥116.55 Billion ≈ $17.06 Billion |
+1124.13% |
| 2018-12-31 | CN¥9.52 Billion ≈ $1.39 Billion |
+12.38% |
| 2017-12-31 | CN¥8.47 Billion ≈ $1.24 Billion |
+7.54% |
| 2016-12-31 | CN¥7.88 Billion ≈ $1.15 Billion |
+18.30% |
| 2015-12-31 | CN¥6.66 Billion ≈ $974.53 Million |
+9.08% |
| 2014-12-31 | CN¥6.11 Billion ≈ $893.44 Million |
+10.56% |
| 2013-12-31 | CN¥5.52 Billion ≈ $808.07 Million |
+14.57% |
| 2012-12-31 | CN¥4.82 Billion ≈ $705.33 Million |
+11.14% |
| 2011-12-31 | CN¥4.34 Billion ≈ $634.65 Million |
+19.26% |
| 2010-12-31 | CN¥3.64 Billion ≈ $532.15 Million |
+83.94% |
| 2009-12-31 | CN¥1.98 Billion ≈ $289.31 Million |
+19.24% |
| 2008-12-31 | CN¥1.66 Billion ≈ $242.63 Million |
+23.73% |
| 2007-12-31 | CN¥1.34 Billion ≈ $196.10 Million |
+23.40% |
| 2006-12-31 | CN¥1.09 Billion ≈ $158.91 Million |
+20.86% |
| 2005-12-31 | CN¥898.54 Million ≈ $131.48 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Jiangsu Wujiang Rural Coml Bk'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 707.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | CN¥3.37 Billion | 17.84% |
| Other Components | CN¥15.51 Billion | 82.16% |
| Total Equity | CN¥18.88 Billion | 100.00% |
Jiangsu Wujiang Rural Coml Bk Competitors by Market Cap
The table below lists competitors of Jiangsu Wujiang Rural Coml Bk ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Shanghai Prisemi Electronics Co Ltd
SHG:688230
|
$1.22 Billion |
|
China Communications Services Corporation Limited
F:CMW
|
$1.22 Billion |
|
Suzhou Shihua New Material Technology Co Ltd
SHG:688093
|
$1.22 Billion |
|
Jiangsu Wuyang Parking Industry Group Co Ltd
SHE:300420
|
$1.22 Billion |
|
Chang Wah Electromaterials Inc
TW:8070
|
$1.22 Billion |
|
Array Technologies Inc
NASDAQ:ARRY
|
$1.22 Billion |
|
Wanbangde Pharmaceutical Holding Group Co Ltd
SHE:002082
|
$1.22 Billion |
|
Clear Channel Outdoor Holdings Inc
NYSE:CCO
|
$1.22 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Jiangsu Wujiang Rural Coml Bk's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 18,041,841,000 to 18,877,363,000, a change of 835,522,000 (4.6%).
- Net income of 2,043,283,000 contributed positively to equity growth.
- Dividend payments of 607,076,000 reduced retained earnings.
- Other comprehensive income decreased equity by 11,036,495,000.
- Other factors increased equity by 10,435,810,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | CN¥2.04 Billion | +10.82% |
| Dividends Paid | CN¥607.08 Million | -3.22% |
| Other Comprehensive Income | CN¥-11.04 Billion | -58.46% |
| Other Changes | CN¥10.44 Billion | +55.28% |
| Total Change | CN¥- | 4.63% |
Book Value vs Market Value Analysis
This analysis compares Jiangsu Wujiang Rural Coml Bk'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: 0.44x
- 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 2.17x to 0.44x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | CN¥1.91 | CN¥4.14 | x |
| 2006-12-31 | CN¥2.30 | CN¥4.14 | x |
| 2007-12-31 | CN¥2.83 | CN¥4.14 | x |
| 2008-12-31 | CN¥2.68 | CN¥4.14 | x |
| 2009-12-31 | CN¥3.10 | CN¥4.14 | x |
| 2010-12-31 | CN¥4.13 | CN¥4.14 | x |
| 2011-12-31 | CN¥3.87 | CN¥4.14 | x |
| 2012-12-31 | CN¥4.29 | CN¥4.14 | x |
| 2013-12-31 | CN¥4.92 | CN¥4.14 | x |
| 2014-12-31 | CN¥5.48 | CN¥4.14 | x |
| 2015-12-31 | CN¥5.92 | CN¥4.14 | x |
| 2016-12-31 | CN¥6.96 | CN¥4.14 | x |
| 2017-12-31 | CN¥5.20 | CN¥4.14 | x |
| 2018-12-31 | CN¥5.51 | CN¥4.14 | x |
| 2019-12-31 | CN¥5.75 | CN¥4.14 | x |
| 2020-12-31 | CN¥5.90 | CN¥4.14 | x |
| 2021-12-31 | CN¥6.44 | CN¥4.14 | x |
| 2022-12-31 | CN¥6.93 | CN¥4.14 | x |
| 2023-12-31 | CN¥7.67 | CN¥4.14 | x |
| 2024-12-31 | CN¥9.93 | CN¥4.14 | x |
| 2025-12-31 | CN¥9.35 | CN¥4.14 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Jiangsu Wujiang Rural Coml Bk 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): 10.82%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 49.84%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 12.23x
- Recent ROE (10.82%) is below the historical average (14.23%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 28.96% | 36.91% | 0.05x | 17.39x | CN¥170.39 Million |
| 2006 | 18.95% | 22.07% | 0.05x | 18.67x | CN¥97.18 Million |
| 2007 | 25.07% | 27.81% | 0.06x | 15.89x | CN¥201.19 Million |
| 2008 | 22.35% | 25.21% | 0.06x | 15.67x | CN¥204.17 Million |
| 2009 | 19.07% | 25.90% | 0.04x | 16.46x | CN¥173.80 Million |
| 2010 | 15.17% | 32.72% | 0.04x | 11.19x | CN¥184.86 Million |
| 2011 | 17.86% | 30.17% | 0.05x | 12.66x | CN¥335.10 Million |
| 2012 | 18.22% | 26.74% | 0.06x | 12.06x | CN¥389.64 Million |
| 2013 | 17.75% | 28.05% | 0.06x | 11.50x | CN¥420.98 Million |
| 2014 | 12.77% | 21.00% | 0.06x | 10.31x | CN¥166.68 Million |
| 2015 | 9.21% | 16.93% | 0.05x | 10.89x | CN¥-51.74 Million |
| 2016 | 8.36% | 18.95% | 0.04x | 10.46x | CN¥-127.33 Million |
| 2017 | 8.74% | 18.33% | 0.04x | 11.39x | CN¥-105.52 Million |
| 2018 | 8.52% | 15.94% | 0.04x | 12.41x | CN¥-138.88 Million |
| 2019 | 7.93% | 16.18% | 0.04x | 10.94x | CN¥-238.00 Million |
| 2020 | 7.92% | 15.81% | 0.04x | 11.60x | CN¥-250.56 Million |
| 2021 | 8.83% | 17.68% | 0.04x | 12.07x | CN¥-154.37 Million |
| 2022 | 10.58% | 21.32% | 0.04x | 12.70x | CN¥81.76 Million |
| 2023 | 11.04% | 22.83% | 0.04x | 12.83x | CN¥164.31 Million |
| 2024 | 10.78% | 24.75% | 0.04x | 11.86x | CN¥140.81 Million |
| 2025 | 10.82% | 49.84% | 0.02x | 12.23x | CN¥155.55 Million |
Industry Comparison
This section compares Jiangsu Wujiang Rural Coml Bk'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 |
|---|---|---|---|---|
| Jiangsu Wujiang Rural Coml Bk (603323) | CN¥19.38 Billion | 28.96% | 11.37x | $1.22 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 Jiangsu Wujiang Rural Coml Bk
Jiangsu Suzhou Rural Commercial Bank Co., Ltd provides various banking products and services in China. The company offers savings and demand, fixed deposit and withdrawal, lump-sum, flexible, call, and agreement deposits, as well as certificates of deposits; personal consumer, business, mortgage, and other loans; and financial and intermediate services. It also provides corporate finance, such as… Read more