
Bank of China Limited
3988.HKHKSEFinancial ServicesBanks - Diversified
Latest quote
HK$5.485
−HK$0.02 · -0.36%
3988.HK company overview
Regular session · HKT · Market data may be delayed.
Company profile
Company websiteBank of China Limited, along with its various affiliates, delivers a comprehensive array of banking and financial products and services. The institution's operations are strategically divided into six key divisions: Corporate Banking, Personal Banking, Treasury Operations, Investment Banking, Insurance, and other business activities. The Corporate Banking segment caters to corporate clients, government entities, and financial institutions by offering services such as current accounts, deposit accounts, overdrafts, diverse loan products, trade finance, foreign currency exchange, derivative instruments, and wealth management solutions. For retail customers, the Personal Banking segment provides savings facilities, personal lending options, credit and debit cards, payment and settlement services, wealth management offerings, and acts as an agent for investment funds and insurance policies. Treasury Operations focus on foreign exchange transactions, client-driven interest rate and currency derivative dealings, money market activities, proprietary trading, and the management of assets and liabilities. The Investment Banking arm is involved in underwriting debt and equity, financial advisory services, stock brokerage, investment research, asset management, and private equity investments, alongside securities trading. The Insurance division underwrites general and life insurance policies and provides related agency services. Furthermore, the company has an interest in the aircraft leasing business. As of December 31, 2021, the Bank of China maintained an extensive global footprint, operating through 10,382 branches and outlets. This network included 520 institutions located in mainland China and an additional 550 establishments distributed across Hong Kong, Macao, Taiwan, and other international territories. The company was founded in 1912 and its corporate headquarters are located in Beijing, China.
- Industry
- Banks - Diversified
- Sector
- Financial Services
- Headquarters
- CN
- CEO
- Haijiao Ge
- Listed since
- Jun 1, 2006
- Employees
- 313,746
Market position
Day range
Current HK$5.485
52-week range
Current HK$5.485
- Open
- HK$5.485
- Previous close
- HK$5.505
- Volume
- 132M
- 0.63× average
- Average volume
- 209M
- Average daily volume
- Market cap
- 2.33T HKD
- Beta
- 0.11
- Market reference 1
- 50-day average
- HK$5.2361
- +4.75% above average
- 200-day average
- HK$4.8926
- +12.11% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- -232.46B CNY
- EV / EBITDA
- -0.71×
- Earnings yield
- 18.47%
- Free cash flow yield
- 57.83%
Profitability & efficiency
- Return on equity
- 7.93%
- Return on assets
- 0.63%
- Return on invested capital
- 2.93%
Financial health
- Current ratio
- 0.17×
- Altman Z-score
- 0.22
- Piotroski F-score
- 7 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (CNY) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.22T CNY | 531.26B CNY | 518.28B CNY | 488.48B CNY | 503.07B CNY |
| Cost of goods sold | 560.2B CNY | — | −103.65B CNY | 421.58B CNY | 364.35B CNY |
| Gross profit | 657.18B CNY | 531.26B CNY | 518.28B CNY | 584.72B CNY | 604.08B CNY |
| Selling, general, and administrative | 183.27B CNY | 44.24B CNY | 177.5B CNY | 172.31B CNY | 170.6B CNY |
| Operating expenses | 355.89B CNY | 181.26B CNY | 177.5B CNY | 169.31B CNY | 170.6B CNY |
| Interest income | 1T CNY | 1.07T CNY | 1.05T CNY | 882.27B CNY | 789.49B CNY |
| Interest expense | 560.2B CNY | 622.61B CNY | 582.31B CNY | 421.6B CNY | 364.35B CNY |
| Depreciation and amortization | 28.03B CNY | 29.22B CNY | 30.42B CNY | 28.87B CNY | 28.79B CNY |
| Operating income | 301.29B CNY | 350B CNY | 340.77B CNY | 319.16B CNY | 332.46B CNY |
| Net income | 243.02B CNY | 237.84B CNY | 231.9B CNY | 226.52B CNY | 216.56B CNY |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 30%
- 3 beats, 5 misses, 2 met estimates
- Average EPS surprise
- -1.31%
- 10 comparable reports
- Latest EPS result
- 0.2
- Estimate 0.22 · Miss by 5.23%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
ETFs holding 3988.HK
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Total International Stock ETFVXUS700.49M0.11%646.2B USD0.05%$87.71+0.78%
Vanguard FTSE Emerging Markets ETFVWO665.22M0.39%162.3B USD0.06%$60.45+0.72%
iShares Core MSCI Emerging Markets ETFIEMG534.65M0.34%160B USD0.09%$81.57+0.64%
iShares China Large-Cap ETFFXI162.51M3.82%4.27B USD0.73%$35.86+0.53%
Avantis Emerging Markets Equity ETFAVEM143.24M0.52%27.89B USD0.33%$94.24+0.75%
Schwab Fundamental Emerging Markets Large Company Index ETFFNDE131.94M1.29%10.2B USD0.39%$41.87+0.92%
iShares MSCI Emerging Markets ETFEEM118.57M0.38%31.22B USD0.72%$67.12+0.75%
iShares MSCI China ETFMCHI113.2M1.81%6.29B USD0.59%$55.66+0.27%
Vanguard Total International Stock ETFVXUS- Market value
- 700.49M
- Weight
- 0.11%
- AUM
- 646.2B USD
- Expense ratio
- 0.05%
- Price / 1D
- $87.71+0.78%
Vanguard FTSE Emerging Markets ETFVWO- Market value
- 665.22M
- Weight
- 0.39%
- AUM
- 162.3B USD
- Expense ratio
- 0.06%
- Price / 1D
- $60.45+0.72%
iShares Core MSCI Emerging Markets ETFIEMG- Market value
- 534.65M
- Weight
- 0.34%
- AUM
- 160B USD
- Expense ratio
- 0.09%
- Price / 1D
- $81.57+0.64%
iShares China Large-Cap ETFFXI- Market value
- 162.51M
- Weight
- 3.82%
- AUM
- 4.27B USD
- Expense ratio
- 0.73%
- Price / 1D
- $35.86+0.53%
Avantis Emerging Markets Equity ETFAVEM- Market value
- 143.24M
- Weight
- 0.52%
- AUM
- 27.89B USD
- Expense ratio
- 0.33%
- Price / 1D
- $94.24+0.75%
Schwab Fundamental Emerging Markets Large Company Index ETFFNDE- Market value
- 131.94M
- Weight
- 1.29%
- AUM
- 10.2B USD
- Expense ratio
- 0.39%
- Price / 1D
- $41.87+0.92%
iShares MSCI Emerging Markets ETFEEM- Market value
- 118.57M
- Weight
- 0.38%
- AUM
- 31.22B USD
- Expense ratio
- 0.72%
- Price / 1D
- $67.12+0.75%
iShares MSCI China ETFMCHI- Market value
- 113.2M
- Weight
- 1.81%
- AUM
- 6.29B USD
- Expense ratio
- 0.59%
- Price / 1D
- $55.66+0.27%
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