ScoreWhy is Bank of Shanghai Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.46% 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 4.84%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.46% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.73% 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 4.84%
3
Negative results in Sep 25
- OPERATING CASH FLOW(Y) Lowest at CNY 14,949.47 MM
- NET SALES(Q) Lowest at CNY 20,161.48 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 93.66%
4
With ROA of 0.48%, it has a very attractive valuation with a 0.49 Price to Book Value
- Over the past year, while the stock has generated a return of 5.79%, its profits have risen by 5% ; the PEG ratio of the company is 1.1
- At the current price, the company has a high dividend yield of 5.5
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Shanghai 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 Shanghai Co., Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank of Shanghai Co., Ltd.
4.03%
1.32
20.59%
China Shanghai Composite
15.17%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
0.13%
EBIT Growth (5y)
6.70%
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
31.21%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.49
EV to EBIT
45.22
EV to EBITDA
41.88
EV to Capital Employed
0.90
EV to Sales
13.50
PEG Ratio
1.07
Dividend Yield
5.53%
ROCE (Latest)
1.98%
ROE (Latest)
9.05%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-12What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CNY 14,949.47 MM
NET SALES(Q)
Lowest at CNY 20,161.48 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 93.66%
OPERATING PROFIT(Q)
Lowest at CNY -942.36 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -4.67 %
PRE-TAX PROFIT(Q)
Lowest at CNY 5,111.32 MM
Here's what is not working for Bank of Shanghai Co., Ltd.
Net Sales
Lowest at CNY 20,161.48 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (CNY MM)
Operating Cash Flow
Lowest at CNY 14,949.47 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CNY MM)
Operating Profit
Lowest at CNY -942.36 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CNY MM)
Operating Profit Margin
Lowest at -4.67 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at CNY 5,111.32 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (CNY MM)
Credit Deposit Ratio
Lowest at 93.66%
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 (%)
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