ScoreWhy is Bank of Beijing Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.97% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 3.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.97% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.55% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 3.80%
3
Flat results in Mar 25
- NII(Q) Lowest at CNY 12,592 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 95.96%
- NET SALES(Q) Lowest at CNY 29,060 MM
4
With ROA of 0.34%, it has a fair valuation with a 0.35 Price to Book Value
- Over the past year, while the stock has generated a return of -1.23%, its profits have risen by 1% ; the PEG ratio of the company is 4
- At the current price, the company has a high dividend yield of 6
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Beijing Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Beijing Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Beijing Co., Ltd.
-1.4%
-0.12
19.03%
China Shanghai Composite
15.19%
1.01
14.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.20%
EBIT Growth (5y)
-1.85%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
29.95%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.35
EV to EBIT
63.51
EV to EBITDA
56.36
EV to Capital Employed
0.90
EV to Sales
13.34
PEG Ratio
3.98
Dividend Yield
6.01%
ROCE (Latest)
1.41%
ROE (Latest)
8.81%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-4What is not working for the Company
NII(Q)
Lowest at CNY 12,592 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 95.96%
NET SALES(Q)
Lowest at CNY 29,060 MM
Here's what is not working for Bank of Beijing Co., Ltd.
NII
Lowest at CNY 12,592 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (CNY MM)
Net Sales
Lowest at CNY 29,060 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (CNY MM)
Credit Deposit Ratio
Lowest at 95.96%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 11.53%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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