603323.SS
603323.SS
CNE100003035
JIANGSU SUZHOU RURAL COMMERCIAL
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Company Profile

Jiangsu Suzhou Rural Commercial Bank Co., Ltd provides various banking products and services in China. The company provides 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 offers corporate finance, such as corporate wealth management, self-operated wealth management; specialty loans; and settlement and SME financing services, as well as debit, credit, and citizen cards. In addition, the company provides international trade finance and settlement, letter of credit, and foreign currency savings and exchange services. Further, it offers digital RMB, personal and corporate online banking, mobile banking, Wechat, and SMS banking services, as well as customer service center and aggregated payment services. The company was formerly known as Jiangsu Wujiang Rural Commercial Bank Co., Ltd. and changed its name to Jiangsu Suzhou Rural Commercial Bank Co., Ltd in March 2019. Jiangsu Suzhou Rural Commercial Bank Co. was founded in 2004 and is headquartered in Suzhou, China.

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Key Metrics & Overview

Detailed metrics & financial data of the company

Company Profile
5 Metrics

🛡️ Risk & Structural Analysis

Multi-Factor Risk Model & Market Data

6/7 High
5Y Volatility
23.1% p.a.
Max Drawdown (5Y)
-30.6%
Sharpe Ratio (5Y)
-0.11
Beta Factor
0.20
Size Class
Mid Cap
Notes & Warnings
Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Exemplary balance sheet strength: Very solid ratio of equity to debt.
Strong cyclicality: The business model is sensitive to economic downturns.
🔴 Low analyst coverage – higher uncertainty in growth estimates & projections
Structurally High Volatility: Above-average fluctuations persist across 5 to 10 years (23.1% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -79.4% in the extended horizon.
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