002807.SZ
002807.SZ
CNE100002BL6
JRCB
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Company Profile

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. provides various personal and corporate banking products and services in China. The company operates through Corporate Business, Personal Business, Treasury Business, and others segments. It offers fixed, current, smart, notice, time, and demand deposits, as well as deposit certificates; gold, mortgage, and personal business and consumption loans; business operating, project, syndicated, agricultural, fund pool, auction, commercial property, revolving, technology, and green energy loans; and corporate finance. The company also provides citizen, debit, and credit cards; international remittance, foreign currency exchange and settlement, and clean collection; and agency funds, precious metal sales, and third-party custody services. In addition, it offers letter of credit, documentary and clean collection, packaged loans, export bill purchase, forfaiting, export invoice financing, offshore non-financing guarantee, credit insurance, import bill purchase, import payment, and bill pledge financing; and cross border RMB business, online and mobile banking, Wechat bank, golden neighborhood, convenient services, points mall, cashier services, and micro finance products. Further, the company offers transactional financial instruments, bond investment, repurchase and resale bond business, and interbank lending business. Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. was founded in 2001 and is headquartered in Jiangyin, 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
23.5% p.a.
Max Drawdown (5Y)
-31.2%
Sharpe Ratio (5Y)
0.03
Beta Factor
0.16
Size Class
Large 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 (23.5% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -82.6% in the extended horizon.
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