The financial sector has brought you an understanding of Chongqing Rural Commercial Bank.

20 18 10 12 the IPO of Chongqing rural commercial bank co., ltd. entered the state of pre-disclosure and update. According to the prospectus, Chongqing Rural Commercial Bank Co., Ltd. plans to land on the Shanghai Stock Exchange, with CICC as the lead underwriter and CITIC Jiantou Securities as the joint lead underwriter. It is planned to issue no more than 65.438+35.7 million shares for the first time, accounting for 654.38+0.95% of the total issued share capital, and the raised funds will be used to enrich the Bank's core Tier 1 capital.

Basic profile

According to public information, Chongqing Rural Commercial Bank was established on June 27th, 2008, which is the third provincial rural commercial bank in China after Shanghai and Beijing. 20 10 12 16 was listed on the hong kong stock exchange. It became the first rural commercial bank listed in China, the first local bank listed overseas and the first bank listed in the West. The head office is in Chongqing.

20 10, the bank increased its capital for the first time, and its registered capital was changed from 6 billion yuan to 7 billion yuan. After the initial public offering of H shares and the issuance of domestic shares, the registered capital of the Bank was1000 million yuan as of June 30, 2008.

Since its establishment, the Bank's various businesses have maintained good and steady development, and its assets have grown steadily. As of 20 17, 12 and 3 1, the assets reached 905.338 billion yuan and the total loans reached 338.347 billion yuan; The total liabilities are 840.532 billion yuan, of which deposits are 572.65438+84 billion yuan; Shareholders' equity is 64.806 billion yuan, of which 63.249 billion yuan belongs to the parent company. In 20 17, the operating income was 23.988 billion yuan and the net profit was 9.008 billion yuan, of which the net profit attributable to shareholders of the parent company was 8.936 billion yuan.

The bank's asset quality has also maintained a good level. As of 20 17 12 3 1, the NPL ratio of this bank was 0.98%. The provision coverage ratio is 43 1.24%. By June 30th, 20 18, the bank had 5 branches, 37 tier-one branches and *** 1 777 business institutions, initiated the establishment of 1 financial leasing companies and 12 village banks, and its service network covered all administrative districts and counties in Chongqing.

equity structure

The bank's shareholding ratio is relatively scattered, with the largest shareholder holding 9.98% and the top ten shareholders holding 45.98% in total. There is no controlling shareholder holding more than 50% of the shares. As of August 3, 20 18, the top ten shareholders of the Bank are as follows:

During the reporting period, Chongqing Yufu and Chongqing Chengtou were the first and second largest shareholders of the Bank, and the change of major shareholders (shareholders holding more than 5%) was mainly due to the capital increase and share expansion in September 2065438+2007. During the reporting period, no single shareholder's shareholding ratio exceeded 65,438+00%, and the total shareholding ratio of major shareholders to the issuer never exceeded 30%. The bank has never had a controlling shareholder or actual controller.

financial data

By June 30th, 20 18, the total assets of Chongqing Rural Commercial Bank were 27.835 billion yuan, and the compound growth rate of assets from 20 15 to 20 17 was 44.88%. 20 18, 1-6 months, the bank realized operating income of 3 1 100 million yuan. From 20 15 to 20 17, the bank's compound income growth rate is 18.75%. From 20 18 to 1-6 months, the bank's net profit was 4.887 billion yuan; The net profit of 20 17 was 9.008 billion yuan, a year-on-year increase of 12.59%. From 20 15 to 20 17, the compound annual growth rate of net profit reached 1 1.64%. During the reporting period, the increase in net profit was mainly due to the rapid growth of net interest income and net income of handling fees and commissions.

Regulatory index

1, capital adequacy ratio

According to the Capital Management Measures for Commercial Banks (Trial) promulgated on 20 12, the Bank's current capital adequacy ratio requirements are: the capital adequacy ratio is not less than 10.5%, the tier-one capital adequacy ratio is not less than 8.5%, and the core tier-one capital adequacy ratio is not less than 7.5%. During the reporting period, the capital adequacy ratios at all levels met the regulatory requirements.

2. Non-performing loan ratio

The number and proportion of non-performing loans under the five-level classification system of the Bank maintained a good level. As of June 30th, 20 18, June 3rd15, June 3rd17, June 3rd16, June 3rd16, June 3rd15 and June 3rd/kloc.

3. Credit concentration of single group customers

As of June 30th, 20 18, June 3rd15, June 3rd17, June 3rd16, June 3rd16, June 3rd15 and June 3rd/kloc.

4. Liquidity indicators

20 18, June 30th, June 30th, June 30th, June 30th, June 30th, June 30th, June 30th, June 30th, June 30th, 20 17, June 30th, June 30th, 20th. The liquidity ratios of the Bank are 49. 1 1%, 44.20%, 37.88% and 36.97% respectively, and those of liquidity coverage ratio are 237.89%, 180.04%, 134.38% and 90.04 respectively. During the reporting period, the liquidity index was higher than the regulatory standards.

primary service

The main businesses of Chongqing Rural Commercial Bank include corporate banking, personal banking and financial market business. The following table lists the operating income and proportion of various businesses of the Bank during the reporting period:

1, corporate bank

The Bank provides a wide range of corporate banking products and services for enterprises, institutions, government agencies and financial institutions, mainly including corporate loans, trade financing loans, bill business and guarantee business. In 20 18, 1-6, 20 17, 20 16 and 20 15 years, the operating income of the company's banking business was 3.865 billion yuan and 810.30 billion yuan respectively. It accounts for 29. 14%, 33.89%, 33.32% and 35.07% of the company's banking income respectively, and the compound annual growth rate of the company's banking income from 20 15 to 20 17 years is 3. 19%.

By June 30th, 20 18, the Bank had 184300 corporate customers. From the location of customers, Chongqing Company's customers 18 1300 account for 98.40% of the total customers.

2. Personal banking business

The Bank's personal banking business mainly includes personal loan and deposit business, bank card business and intermediary business. From June to June of 20 18, the operating income of personal banking business was 477 10 billion yuan, accounting for 35.97% of the operating income respectively. From 20 15 to 205438+07, the average compound annual growth rate of personal banking income was 15.438+0.

As of June 30, 2008, the total number of personal deposit customers of the Bank was 26.706 million, and the total number of personal loan customers (excluding credit card overdraft) was 875.9 million. The Bank provides a wealth of loan products to individual customers, including personal loans, personal deposits, bank card business and intermediary business to meet the diversified needs of customers.

3. Financial market business

The Bank's financial market business mainly includes capital operation business, asset management business, investment banking business and asset custody business. The main development strategy of financial market business is to fully integrate channel resources, gradually build a trinity marketing model of "asset management+wealth management+investment bank", and constantly innovate advantageous and characteristic businesses. In 20 18,1-June, 20 17, 20 16 and 20 15 years, the bank's financial market business income was 4.622 billion yuan, 7.6365438 billion yuan and 79.5% respectively.

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