Bank of China (3988N) Stock Price & Analysis
3988N Stock Chart & Stats
- Day’s Range
- MXN 11.76 - MXN 11.76
- 52-Week Range
- MXN 9.00 - MXN 12.10
- Previous Close
- MXN 11.76
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 5.86T
- Enterprise Value
- MXN 10.23T
- Total Cash (Recent Filing)
- MXN 3.03T
- Total Debt (Recent Filing)
- MXN 10.10T
- Price to Earnings (P/E)
- 8.6
- Beta
- -0.12
- Next Earnings
- Mar 30, 2027 (Est.)
- EPS Estimate
- 0.59
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.15%
Bulls Say, Bears Say
Bulls Say
Global Cross-border Franchise
A broad international network and leading RMB-clearing position provide durable advantages in trade finance, settlement, custody and corporate banking. These capabilities deepen relationships with multinational and Chinese companies abroad, supporting recurring fee income and overseas growth over the medium term.
Asset Quality And Capital Strength
Low reported non-performing loans, high provision coverage and a strong capital ratio give the bank meaningful protection against credit losses. This supports lending capacity and financial resilience while allowing management to pursue growth without relying solely on balance-sheet expansion.
Diversified Fee-income Growth
Expansion in non-interest income reduces reliance on traditional lending spreads and broadens the earnings base. Growth across settlement, custody, agency sales and wealth management can improve revenue durability, particularly as the bank develops larger corporate and affluent-customer relationships.
Bears Say
Domestic Margin Pressure
Pressure on domestic loan pricing and the need to reduce deposit costs can compress the spread between asset yields and funding expenses. Even with stable reported NIM, prolonged low rates may limit the conversion of loan growth into proportionate profit growth and constrain earnings momentum.
Sector-specific Credit Risk
Credit risks across personal lending, domestic corporations and overseas operations could raise provisions or slow loan growth if economic conditions weaken. The breadth of these pressure areas means asset-quality performance remains an important constraint on sustainable returns and capital deployment.
Higher Balance-sheet Leverage
A meaningful rise in debt-to-equity increases the bank's exposure to funding and balance-sheet stress if operating conditions deteriorate. Greater leverage can reduce flexibility to absorb losses or pursue new initiatives, making strong asset quality and disciplined capital management increasingly important.
Bank of China News
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Bank of China Stock Smart Score
Company Description
Bank of China
Bank 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.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Haijiao Ge
- Employees
- 313,746
- Website
- www.boc.cn
- Address
- No. 1 Fuxingmen Nei Dajie, Beijing, BE, 100818, CN
Bank of China (3988N) Earnings & Revenues
3988N Company Deck
3988N Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. BOC reported steady revenue and profit growth, stable NIM, improved efficiency, strong capital and asset-quality metrics, higher shareholder distributions, continued overseas contribution, and broad-based expansion in technology finance, green finance, custody, wealth management, payments, bond underwriting, AI, and domestic consumption support. Management also acknowledged pressure on domestic asset yields, a low-interest-rate environment, uncertain U.S. dollar rates, slower growth, and sector-specific credit risks, but presented these as areas under active management.
View all MX:3988N earnings summaries3988N Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 6 | 3 |
| Technical Analysis | 1 | 6 | 1 |
| Moving Averages | 10 | 0 | 2 |
