ScoreWhy is Bank of Xi'an Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.00% 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 0.14%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.00% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.59% signifying low profitability per unit of total assets
2
Positive results in Sep 25
- NII(Q) Highest at CNY 2,411.53 MM
- OPERATING CASH FLOW(Y) Highest at CNY 19,948.01 MM
- NET SALES(Q) Highest at CNY 4,792.79 MM
3
With ROA of 0.33%, it has a fair valuation with a 0.51 Price to Book Value
- Over the past year, while the stock has generated a return of 8.45%, its profits have risen by 4.9% ; the PEG ratio of the company is 1.4
- At the current price, the company has a high dividend yield of 2.5
4
Underperformed the market in the last 1 year
- The stock has generated a return of 8.45% 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 Xi'an 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 Xi'an Co., Ltd. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Xi'an Co., Ltd.
1.69%
0.37
24.41%
China Shanghai Composite
15.17%
1.58
14.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.81%
EBIT Growth (5y)
2.71%
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
17.37%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.51
EV to EBIT
56.53
EV to EBITDA
51.96
EV to Capital Employed
0.88
EV to Sales
7.25
PEG Ratio
1.38
Dividend Yield
2.53%
ROCE (Latest)
1.55%
ROE (Latest)
7.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at CNY 2,411.53 MM
OPERATING CASH FLOW(Y)
Highest at CNY 19,948.01 MM
NET SALES(Q)
Highest at CNY 4,792.79 MM
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at CNY 71,068.19 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 88.68%
-2What is not working for the Company
NET PROFIT(Q)
Lowest at CNY 581.52 MM
EPS(Q)
Lowest at CNY 0.13
Here's what is working for Bank of Xi'an Co., Ltd.
NII
Highest at CNY 2,411.53 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at CNY 4,792.79 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (CNY MM)
Non Performing Loans (%)
Lowest at 1.5%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at CNY 19,948.01 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CNY MM)
Cash and Eqv
Highest at CNY 71,068.19 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 88.68%
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 (%)
Here's what is not working for Bank of Xi'an Co., Ltd.
Net Profit
Lowest at CNY 581.52 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (CNY MM)
EPS
Lowest at CNY 0.13
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (CNY)
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