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Agricultural Bank of China Limited, together with its subsidiaries, provides banking products and services. The company operates through Corporate Banking, Personal Banking, Treasury operations, and Others segments. The Corporate Banking segment offers corporate loans and advances, trade finance, deposit products, corporate wealth management services, and other corporate intermediary services. The Personal Banking segment provides personal loans, deposit products, card business, and other personal intermediary services. The Treasury Operations segment conducts money market and repurchase transactions, debt instruments investments, precious metals transactions, and derivative transactions. It offers asset and fund management, financial leasing, life insurance, and investment banking services. It also provides inclusive finance, green finance, pension finance, digital and online financial services, and cross-border financial solutions, as well as services for rural revitalization. In addition, it provides demand, personal call, foreign currency call and time, time or demand optional, savings, agreed-term, and negotiated deposit accounts; certificates of deposit; and loans, including housing, consumer, personal auto, business, fixed asset, working capital, real estate, bonds, commercial drafts, entrusted syndicated loans, trade finances, guarantees and commitments, and loans with custody of export rebates accounts. In addition, it offers credit and debit cards, payment and settlement, private banking, cash management, custody, financial market, financial institution services, and trading. Further, it offers agro-related personal and corporate banking products and services; telephone, mobile, self-service, and SMS banking services; asset custodian services; and reinsurance. The company operates domestic and overseas branches, and representative offices. The company was founded in 1951 and is based in Beijing, the People's Republic of China.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Agricultural Bank of China (ABC) is a large state-owned commercial bank providing retail, corporate and rural banking, deposit-taking, lending and wealth-management services through an extensive branch network. Long-term growth may be supported by urbanization, expansion of rural finance, digital banking adoption and its sizable deposit franchise, making the bank attractive for scale, diversification and likely policy support.
Material risks include credit pressure from China's economic slowdown and property sector, regulatory or policy shifts affecting state-owned banks, and limited liquidity and disclosure constraints linked to its OTC Pink listing.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 323689.00M | 319201.00M | 307419.00M | 306216.00M | 295880.00M |
| Minority interest | -962.00M | -588.00M | -464.00M | 452.00M | -753.00M |
| Net income | 291041.00M | 282083.00M | 269356.00M | 259140.00M | 241183.00M |
| Selling general administrative | 255131.00M | 244420.00M | 235296.00M | 229273.00M | 219308.00M |
| Selling and marketing expenses | - | 183338.00M | 6115.00M | - | - |
| Gross profit | 724170.00M | 579715.00M | 1350874.00M | 724868.00M | 719506.00M |
| Reconciled depreciation | 23914.00M | 23200.00M | 21875.00M | 20331.00M | 1881.00M |
| Ebit | 323689.00M | - | -275.00M | 306668.00M | 295127.00M |
| Ebitda | 347603.00M | - | 21346.00M | 326999.00M | 314483.00M |
| Depreciation and amortization | 23914.00M | 23200.00M | 21875.00M | 20331.00M | 19356.00M |
| Operating income | 323689.00M | 450816.00M | 379757.00M | 306668.00M | 295127.00M |
| Other operating expenses | 1032225.00M | 189601.00M | 241411.00M | 271794.00M | 258103.00M |
| Interest expense | 631744.00M | 694988.00M | 651948.00M | 518581.00M | 430027.00M |
| Tax provision | 31686.00M | 36530.00M | 37599.00M | 47528.00M | 53944.00M |
| Interest income | 1201338.00M | 1275680.00M | 1223698.00M | 1108547.00M | 1008014.00M |
| Net interest income | 569594.00M | 580692.00M | 571750.00M | 589966.00M | 577987.00M |
| Income tax expense | 31686.00M | 36530.00M | 37599.00M | 47528.00M | 53944.00M |
| Total revenue | 1355914.00M | 579715.00M | 559761.00M | 724868.00M | 719506.00M |
| Total operating expenses | 400481.00M | 189601.00M | 179364.00M | 271794.00M | 258103.00M |
| Cost of revenue | 631744.00M | 694988.00M | -791113.00M | - | - |
| Total other income expense net | - | -131615.00M | -72338.00M | -452.00M | 753.00M |
| Net income from continuing ops | 292003.00M | 282671.00M | 269820.00M | 258688.00M | 241936.00M |
| Net income applicable to common shares | - | - | - | - | 227385.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 48784674.00M | 43238135.00M | 39872989.00M | 33927533.00M | 29069155.00M |
| Intangible assets | 28853.00M | 29105.00M | 28674.00M | 27867.00M | 26572.00M |
| Other current assets | - | - | 6712366.00M | - | 2125789.00M |
| Total liab | 45541303.00M | 40140862.00M | 36976122.00M | 2203153.00M | 1798762.00M |
| Total stockholder equity | 3237182.00M | 3097273.00M | 2896867.00M | 2668412.00M | 2414605.00M |
| Deferred long term liab | - | - | - | - | 2718.00M |
| Other current liab | 38834294.00M | -15175.00M | -49275.00M | - | 249144.00M |
| Common stock | 349983.00M | 349983.00M | 349983.00M | 349983.00M | 349983.00M |
| Capital stock | 429983.00M | 429983.00M | 429983.00M | 429983.00M | 429882.00M |
| Retained earnings | 1272603.00M | 1150758.00M | 1844334.00M | 1032524.00M | 925955.00M |
| Other liab | - | - | - | - | 84789.00M |
| Good will | 10921.00M | 1381.00M | 1381.00M | 1381.00M | 1381.00M |
| Other assets | - | 43238135.00M | -21813435.00M | 20413009.00M | 18941511.00M |
| Cash | 4011911.00M | 3351428.00M | 4572660.00M | 3763734.00M | 3083354.00M |
| Total current liabilities | 38845648.00M | 34988759.00M | 19627936.00M | - | 26117238.00M |
| Net debt | -396463.00M | -3351428.00M | -4572660.00M | -1560581.00M | -1284592.00M |
| Short term debt | - | - | 6693773.00M | - | - |
| Short long term debt total | 3615448.00M | 692877.00M | 7923802.00M | 2203153.00M | 1798762.00M |
| Other stockholder equity | 1534596.00M | 1510067.00M | -400000.00M | 1205905.00M | 1058768.00M |
| Property plant equipment | - | - | - | - | 163490.00M |
| Total current assets | 4568905.00M | 3351428.00M | 11285026.00M | 3763734.00M | 3083354.00M |
| Long term investments | 16374650.00M | 13925355.00M | 11246972.00M | 9568970.00M | 6863038.00M |
| Net tangible assets | - | - | - | - | 2306753.00M |
| Short term investments | 556994.00M | - | -11213713.00M | - | - |
| Net receivables | - | - | - | - | 75835.00M |
| Inventory | - | - | - | - | 899.00M |
| Accounts payable | - | - | 96067.00M | - | 23208845.00M |
| Accumulated other comprehensive income | - | 675235.00M | 614931.00M | - | - |
| Non currrent assets other | 17637752.00M | -14110325.00M | 38956130.00M | -9750790.00M | -7044290.00M |
| Non current assets total | 44215769.00M | 39886707.00M | 50401398.00M | 9750790.00M | 7044290.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -2072349.00M | -2243537.00M | -1331207.00M | -1051990.00M | -558464.00M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -2071163.00M | -2243537.00M | -1331207.00M | -1051990.00M | -331237.00M |
| Net borrowings | 621619.00M | 420952.00M | 455935.00M | 373998.00M | 133114.00M |
| Total cash from financing activities | 352955.00M | 225628.00M | 307440.00M | 298217.00M | 54003.00M |
| Change to operating activities | - | - | - | -2811346.00M | -1700750.00M |
| Net income | 292003.00M | 282671.00M | 269820.00M | 258688.00M | 241936.00M |
| Change in cash | 392730.00M | -666113.00M | 807092.00M | 580871.00M | -50391.00M |
| Begin period cash flow | 1846612.00M | 2512725.00M | 1705633.00M | 1124762.00M | 1175153.00M |
| End period cash flow | 2239342.00M | 1846612.00M | 2512725.00M | 1705633.00M | 1124762.00M |
| Total cash from operating activities | 2112907.00M | 1353042.00M | 1825282.00M | 1322003.00M | 239615.00M |
| Depreciation | 23914.00M | 23200.00M | 21875.00M | 20331.00M | 19356.00M |
| Other cashflows from investing activities | 37013.00M | 7059.00M | 290265.00M | 266576.00M | 247470.00M |
| Dividends paid | 232861.00M | 210474.00M | 95765.00M | -155760.00M | -119106.00M |
| Change to account receivables | -2775705.00M | -1506726.00M | -3631623.00M | - | - |
| Sale purchase of stock | - | -120000.00M | 4851682.00M | - | - |
| Other cashflows from financing activities | -35803.00M | 135150.00M | -47880.00M | 2110585.00M | 1670112.00M |
| Change to netincome | - | - | - | -119236.00M | -33385.00M |
| Capital expenditures | 27348.00M | 24223.00M | 28827.00M | 22092.00M | 26033.00M |
| Change in working capital | 1998087.00M | 1221355.00M | 1670955.00M | 1146799.00M | 19318.00M |
| Other non cash items | -201097.00M | -174184.00M | -137368.00M | -103815.00M | -40995.00M |
| Free cash flow | 2085559.00M | 1328819.00M | 310725.00M | 1299911.00M | 213582.00M |
Sector: Financial Services Industry: Banks - Diversified
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ACGBY Agricultural Bank of China PK |
0.12 0.55% |
21.89 | 6.92 | 6.73 | 0.67 | 0.60 | 6.34 |
| JPM JPMorgan Chase & Co |
-2.85 0.84% |
334.49 | 15.10 | 14.01 | 5.03 | 2.63 | 5.76 |
| IDCBF Industrial and Commercial Bank of China |
- -% |
1.00 | 6.53 | 6.02 | 0.67 | 0.56 | 5.72 |
| IDCBY Industrial and Commercial Bank of China |
0.10 0.52% |
20.26 | 6.49 | 6.00 | 0.65 | 0.55 | 5.72 |
| BAC Bank of America Corp |
-0.26 0.52% |
49.50 | 13.44 | 12.15 | 3.49 | 1.38 | 6.81 |
Agricultural Bank of China Limited, together with its subsidiaries, provides banking products and services. The company operates through Corporate Banking, Personal Banking, Treasury operations, and Others segments. The Corporate Banking segment offers corporate loans and advances, trade finance, deposit products, corporate wealth management services, and other corporate intermediary services. The Personal Banking segment provides personal loans, deposit products, card business, and other personal intermediary services. The Treasury Operations segment conducts money market and repurchase transactions, debt instruments investments, precious metals transactions, and derivative transactions. It offers asset and fund management, financial leasing, life insurance, and investment banking services. It also provides inclusive finance, green finance, pension finance, digital and online financial services, and cross-border financial solutions, as well as services for rural revitalization. In addition, it provides demand, personal call, foreign currency call and time, time or demand optional, savings, agreed-term, and negotiated deposit accounts; certificates of deposit; and loans, including housing, consumer, personal auto, business, fixed asset, working capital, real estate, bonds, commercial drafts, entrusted syndicated loans, trade finances, guarantees and commitments, and loans with custody of export rebates accounts. In addition, it offers credit and debit cards, payment and settlement, private banking, cash management, custody, financial market, financial institution services, and trading. Further, it offers agro-related personal and corporate banking products and services; telephone, mobile, self-service, and SMS banking services; asset custodian services; and reinsurance. The company operates domestic and overseas branches, and representative offices. The company was founded in 1951 and is based in Beijing, the People's Republic of China.
No. 69, Jianguomen Nei Avenue, Beijing, China, 100005
86 10 85108888
457835
| Name | Title | Year Born |
|---|---|---|
| Mr. Shu Gu | Exec. Chairman | 1967 |
| Mr. Han Xu | Chief Information Officer | 1965 |
| Mr. Zhi Cheng Li | Chief Risk Officer | 1963 |
| Mr. Xuguang Zhang | Exec. VP & Exec. Director | 1964 |
| Dr. Li Lin | Exec. VP & Exec. Director | 1968 |
| Mr. Yi Zhang | Exec. VP | 1971 |
| Mr. Guoqiang Han | Company Sec. | 1967 |
| Mr. Wanjun Fu | Pres | 1968 |
| Mr. Mingde Yao | Gen. Mang. of the Fin. & Accounting Department | NA |
| Ms. Lee Wah Woo | Assistant Company Sec. | NA |
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