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Bank of Chengdu (601838) is a city commercial bank in Sichuan province, China. The bank has achieved remarkable results in its transformation since 2019, guided by strategies of "digitization, refinements and big retail". In 2021, the company ranked fourth in revenue growth and first in ROE among Chinese city commercial banks. The bank's success can be attributed to three major advantages: regional, resource and operational edges. By combining the innate regional and resource edge with acquired operational advantage, BOCD reinforces its business moat of high customer stickiness and low-cost debt. The bank enjoys rich government resources in the Chengdu-Chongqing Metropolitan Area, which lays solid foundation for its expansion of efficient assets, stable liabilities and key customer base. On the assets side, 70% of loans came from corporate loans, of which nearly 60% came from government affairs, represented by infrastructure, leasing and business services. On the liability side, as one of the payroll banks for the government as well as some enterprises and public institutions, BOCD is able to accumulate large amounts of demand deposits and maintain low cost of capital.
