Financial services: 45%
Agricultural loans: 30%
Retail banking: 25%

Top 3 markets:
China: 70%
Hong Kong: 15%
Southeast Asia: 10%

The Agricultural Bank of China Limited generates the majority of its revenue from financial services focusing on corporate clients and agricultural loans. The retail banking sector also contributes significantly to the revenue.

China remains the company's main market, which is not surprising given that the bank is one of the largest domestic banks. Hong Kong and Southeast Asia are also important markets that have gained significance through strategic expansion and investments in these regions.

Production Location: China

The Agricultural Bank of China Limited is one of the largest banks in China and mainly offers financial services. Since it is a bank, it does not produce physical products in the traditional sense, but provides services such as loans, deposits, and asset management. The bank mainly operates within China but also has international branches to offer its services globally.

Strategic Growth Areas:

• Digitization and Technology Focus
• Sustainable Financing Projects
• Expansion of International Business

The Agricultural Bank of China Limited is increasingly focusing on digitizing its services to work more efficiently and increase customer satisfaction. This includes investments in fintech solutions and improving their online banking platforms.

Another focus is on sustainable financing projects. The bank is increasingly involved in financing projects that promote ecological and social sustainability to meet the growing requirements of ESG criteria.

Additionally, the bank plans to expand its international business, especially in Asia and Africa. This is intended to be achieved through strategic partnerships and the opening of new branches to benefit from the growing markets in these regions.

Main Imported Raw Materials/Products: Agricultural products, technology products, financial services

Countries of Origin: USA, Brazil, Australia, Germany

The Agricultural Bank of China Limited is primarily active in the financial sector and does not import physical raw materials itself. However, it finances the import of agricultural products such as soybeans and corn, which mainly come from the USA and Brazil.

In addition, the bank supports the import of technology products and machinery sourced from countries like Germany and the USA. The bank plays a significant role in financing and facilitating these trade transactions by providing loans and other financial services.

Market share in China: 15% (estimated 2025)
Common Equity Tier 1 ratio (CET1): 11.5% (2024)
Return on Equity (ROE): 12.2% (2024)

The Agricultural Bank of China Limited (ABC) is one of the "Big Four" banks in China and holds a significant market share, especially in rural areas, giving it a strong competitive advantage. The focus on agricultural loans and services in less urbanized areas represents a niche that is less served by other major banks.

The solid Common Equity Tier 1 ratio of 11.5% indicates that the bank is well capitalized, providing it with stability and flexibility in a volatile market environment. A Return on Equity of 12.2% suggests efficient use of equity, which is considered healthy compared to international standards.

In summary, ABC's strong market position, specialization in the agricultural sector, and solid financial metrics give it a significant competitive advantage.

Institutional investor share: 40% (estimated, 2023)
Insider purchases/sales: No significant transactions reported (2023)

The institutional investor share in Agricultural Bank of China Limited is estimated to be around 40%. This reflects the interest of large investment funds and institutional investors, who are typically interested in stable and established financial institutions.

No significant insider purchases or sales were reported in 2023. This could indicate that the management and other insiders have confidence in the current company strategy and valuation.

Market share of Agricultural Bank of China Limited (SEHK:1288): 8% (estimated, 2025)

Top competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): 12% (2025)
2. China Construction Bank: 11% (2025)
3. Bank of China: 10% (2025)
4. Agricultural Bank of China: 8% (2025)
5. Bank of Communications: 6% (2025)
6. China Merchants Bank: 5% (2025)
7. Postal Savings Bank of China: 4% (2025)
8. Shanghai Pudong Development Bank: 3% (2025)

Moat of Agricultural Bank of China:

The Agricultural Bank of China has a significant moat, mainly derived from its extensive network in rural areas and its strong customer base in the agricultural sector. This specialization enables the bank to dominate a segment that is less accessible to other banks.

Compared to other major banks in China, such as ICBC or China Construction Bank, which are more active in urban areas and international business, the Agricultural Bank of China offers unique services to agricultural enterprises and rural communities. This gives it a competitive advantage in this specific market segment.

However, larger banks like ICBC and China Construction Bank have a broader moat due to their size, capital strength, and international presence, allowing them to be successful in various markets and sectors. The moat of the Agricultural Bank of China is therefore more specialized and less diversified than that of its largest competitors.

Revenue Growth: 6.8% (2024) Profit Growth: 5.2% (2024) Return on Equity: 11.5% (2024)

The Agricultural Bank of China Limited recorded solid revenue growth of 6.8% in 2024. This reflects stable demand for its services and effective expansion into new markets. The profit growth of 5.2% indicates that the company was able to control its costs while increasing profitability.

The return on equity of 11.5% suggests that the bank is efficiently utilizing its capital and generating a good return for its shareholders. This metric is a positive signal for investors, indicating a solid financial position and effective resource utilization.

Overall, the Agricultural Bank of China Limited demonstrates stable financial performance with continuous growth. This could make it an attractive investment, especially for investors interested in long-term growth in the banking sector. However, potential investors should also consider other factors such as the macroeconomic environment and regulatory changes in China.

Dividend yield: 5.2% (2024, estimated)
Dividend history: Continuous payout in the last 5 years

The Agricultural Bank of China Limited has regularly distributed dividends in recent years. The dividend yield is currently around 5.2%, which is competitive compared to other banks in the Asian region.

The reliability of the payout is evident in the continuous dividend payment over the past five years. This indicates a stable financial situation and solid earning power of the company. Analysts expect the bank to maintain its dividend policy in the coming years, provided there are no significant economic or regulatory changes.