A regional Chinese bank that gathers deposits and other funding in Guizhou province and earns the spread between what it pays for that money and what it earns lending it to local individuals and businesses.
- Depends onUpstream position: supplies 5 industries, depends on 0
- ScaleMarket cap is $3.04B, above the global median of $1.2B
- FinancialsLow earnings quality
What this company is and how it runs — written from structure, not news.
The bank sits between people and businesses that place funds with it and those that want to borrow, moving money from one side to the other and absorbing the credit risk in between. In deciding who qualifies for funding and on what terms, it also enforces lending standards on the businesses and individuals it serves, inside a regulatory structure that limits how much risk it can carry against its own capital.
Its core income is the difference between what it pays to attract deposits and other funding and what it charges borrowers for loans, amplified by lending out a multiple of its own capital, supplemented by fees from cards and wealth management services. It has recorded a profit in every year CompanyGraph has on file for it.
As a bank funded mainly by deposits and other liabilities, how far it can grow its lending is set less by physical capacity than by the size of its own capital base, since leverage rules tie balance-sheet growth to equity. Its equity base has grown in every year on file, alongside a run of positive annual profit, a pattern consistent with capital accumulating through retained earnings within a business where capital, not physical capacity, sets the ceiling on growth.
CompanyGraph's industry-level mapping does not show this bank as depending on other industries upstream; it appears instead as a source of capital and financial services to industries around it. This reflects a graph classification rather than a claim that the bank has no funding or operating dependencies of any kind, which are not visible in what CompanyGraph holds.
CompanyGraph's mapping places this bank upstream of a number of other industries that draw on it, consistent with a bank's role of supplying capital and financial services that other sectors build on. Which specific businesses or sectors, and how concentrated that reliance is, is not visible in what CompanyGraph holds.
CompanyGraph places this bank within a large group of companies that run the same kind of margin-based, leverage-funded business. Beyond a stated focus on one province, CompanyGraph does not have evidence of a specific mechanism that would stop other companies of that kind from copying its approach. Structurally near is not the same as moving together or being interchangeable, it means CompanyGraph sees a shared way of operating or a detected pattern, not a price relationship or a comparison verdict.
CompanyGraph's general framework for this kind of business treats loss-absorbing capital and credit quality as its binding limit: how much it can lend is capped by how much equity it holds against regulatory leverage rules, and strain builds if loan losses or a narrowing margin erode that capital faster than profit rebuilds it. This is a general pattern CompanyGraph applies to businesses of this kind, not a measurement of this bank's own stated limits, which are not on file.
CompanyGraph's general pattern for this kind of business names outside forces pressing on it at all times: movement in the cost of the funding it gathers relative to what it earns lending that money out, and the credit quality of the borrowers it lends to, both operating inside a regulatory structure that limits how much risk it can carry relative to its capital. This is CompanyGraph's general pattern for businesses of this kind, not this specific bank's own account of its regulators or pending matters, which is not visible in what CompanyGraph holds.
Read from figures CompanyGraph recomputed from this company's statements and from its structural position. Written September 2026. A question with no evidence behind it is left out rather than answered.
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Structural observations derived from financial data, industry benchmarks, and supply chain position.
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