中银国际指，农业银行去年第四季纯利按年升9.2%，全年增长4.7%，对比去年首三季的增长3.4%。该行指，农行去年业绩超过大型银行板块。全年净利息收入增长1.6%，优于首三季的1%按年增长，主要受惠生息资产稳定增长和净息差稳定。
农行去年第四季不良贷款比率下降，资产质量改善，其拨备覆盖不良贷款比率或处中国大型银行中较高水平。农行县域业务贡献未来或在农村金融业务中获得更多市场份额。
该行预测农行今年平均股本回报率将达10.3%，目标价从5.64港元上调至6.1港元，相当于预测今年市账率0.7倍，维持“买入”评级。
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