3988 Share Price Performance
HK$0
-4.65 (-100.00%)
Price HK$0
Fair ValueHK$5.69
Share Pricen/a
Narrative Update • Jun 03
Bank of China Limited Stock Price
- 4 Narratives written by author
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- 106 Fair Values set on narratives written by author
3988 Community Narratives
KA
Fair Value
·Fair Value HK$5.69 4.7% undervalued intrinsic discount
BOC is the most internationally oriented Chinese bank
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AN
Fair Value
·Fair Value HK$5.83 7.1% undervalued intrinsic discount
China Urbanization And Digital Payments Will Unlock Potential
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AN
Fair Value
·Fair Value HK$6.77 19.9% undervalued intrinsic discount
China's Middle Class And Global RMB Trends Will Drive Expansion
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BOC is the most internationally oriented Chinese bank
One of China’s biggest banks stands out because it’s the most global, helping companies and people move money and do business across borders while still benefiting from state support at home. The catch is that it also carries China’s biggest economic worries, from property stress to political influence over lending decisions.Read more
Aging Demographics And Rising Credit Costs Will Impair Performance
Bank of China faces a tough mix of a cooling property market, growing pressure from unpaid debts, and an aging population that could make it harder to grow loans at home. Add rising global tensions and fast-moving digital rivals, and the bank’s overseas ambitions and fee income may be more fragile than they look.Read more
AN
HK$5.25
3.3% overvalued intrinsic discount
Fair Value
Revenue
10.07% p.a.
Profit Margin
36.37%
Future PE
6.72x
Price in 2029
HK$6.65
China Urbanization And Digital Payments Will Unlock Potential
Key Takeaways Growing demand for diverse financial and wealth management products, plus green and tech-focused lending, is strengthening Bank of China's revenue streams and earnings stability. Investment in digital innovation and leveraging cross-border business advantages are likely to enhance efficiency, customer engagement, and support sustainable long-term growth.Read more
AN
HK$5.83
7.1% undervalued intrinsic discount
Fair Value
Revenue
11.79% p.a.
Profit Margin
34.94%
Future PE
9.18x
Price in 2029
HK$7.38
China's Middle Class And Global RMB Trends Will Drive Expansion
Key Takeaways Aggressive global expansion and digital innovation position the bank to outperform peers in noninterest income, overseas profits, and high-growth financial segments. Advancements in technology, product innovation, and infrastructure lending drive sustained asset growth, margin expansion, and industry-leading profitability.Read more
AN
HK$6.77
19.9% undervalued intrinsic discount
Fair Value
Revenue
13.94% p.a.
Profit Margin
33.78%
Future PE
10.54x
Price in 2029
HK$8.57
Trending Discussion
Recently Updated Narratives
KA
BOC is the most internationally oriented Chinese bank
Fair Value: HK$5.69 4.7% undervalued intrinsic discount
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AN
3988: Higher Profitability Assumptions Will Temper Share Return Potential
Fair Value: HK$5.25 3.3% overvalued intrinsic discount
2 fair values setusers have set this as their fair value
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3988: Rising Margins And Upcoming Dividend Will Support Future Share Performance
Fair Value: HK$5.83 7.1% undervalued intrinsic discount
49 fair values setusers have set this as their fair value
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Snowflake Analysis
Bank of China Limited Key Details
Last Reported Earnings
Mar 31, 2026
Next Reporting Earnings
n/a
- 0.72
- 100.00%
- 40.82%
- 251.2%
About 3988
- Founded
- 1912
- Employees
- 313746
- CEO
- WebsiteView website
Bank of China Limited, together with its subsidiaries, provides various banking and financial services in Chinese Mainland, Hong Kong, Macao, Taiwan, and internationally. The company operates through six segments: Corporate Banking, Personal Banking, Treasury Operations, Investment Banking, Insurance, and Other. The Corporate Banking segment provides current accounts, deposits, overdrafts, loans, payments and settlements, trade-related products, and other credit facilities, as well as foreign currency, derivative, and wealth management products for corporate customers, government authorities, and financial institutions. The Personal Banking segment offers savings deposits, personal loans, credit cards and debit cards, payments and settlements, wealth management, and funds and insurance agency services to retail customers. The Treasury Operations segment offers foreign exchange transactions, customer-based interest rate, and foreign exchange derivative transactions, as well as money market transactions, proprietary trading, and asset and liability management. The Investment Banking segment provides debt and equity underwriting and financial advisory, sale and trading of securities, stock brokerage, investment research, asset management services, and private equity investment services. The Insurance segment provides underwriting services for general and life insurance business, and insurance agency services. In addition, it operates debt-to-equity swaps and other supporting, and aircraft and financial leasing business. The company was founded in 1912 and is headquartered in Beijing, China.
