ScoreWhy is Bank of Chengdu Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.41% 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 18.31%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.41% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.75% signifying low profitability per unit of total assets
2
Flat results in Sep 25
- GROSS NPA (%)(Q) Highest at 0.63%
3
With ROA of 0.69%, it has a fair valuation with a 0.89 Price to Book Value
- Over the past year, while the stock has generated a return of 3.71%, its profits have risen by 8.5% ; the PEG ratio of the company is 0.7
4
Underperformed the market in the last 1 year
- The stock has generated a return of 3.71% in the last 1 year, much lower than market (China Shanghai Composite) returns of 22.49%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Chengdu Co., Ltd. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Chengdu Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Chengdu Co., Ltd.
-100.0%
0.43
19.60%
China Shanghai Composite
15.17%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.82%
EBIT Growth (5y)
17.04%
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
29.56%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.89
EV to EBIT
19.46
EV to EBITDA
18.77
EV to Capital Employed
0.97
EV to Sales
6.79
PEG Ratio
0.65
Dividend Yield
4.61%
ROCE (Latest)
4.99%
ROE (Latest)
16.12%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 94.46%
NET SALES(Q)
Highest at CNY 11,041.58 MM
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Bank of Chengdu Co., Ltd.
Net Sales
Highest at CNY 11,041.58 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (CNY MM)
Credit Deposit Ratio
Highest at 94.46%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 10.52%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Bank of Chengdu Co., Ltd.
Non Performing Loans (%)
Highest at 0.63%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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