Bank of China limited products, services and reviews

About Bank of China limited

Bank of China Limited is a large state-owned commercial bank headquartered in Beijing and one of China’s “Big Four.” It traces its origins to 1912 and was reorganized as a joint‑stock company in 2004; it is majority owned by Central Huijin Investment and listed in Hong Kong and Shanghai (HKEX: 3988; SSE: 601988). The bank provides corporate and personal banking, trade finance, treasury and financial markets services, cross‑border RMB settlement, wealth management, and investment banking through BOC International, with insurance and other financial services offered via affiliates. It has a broad international footprint across Asia‑Pacific, Europe, the Americas, the Middle East, and Africa, with Bank of China (Hong Kong) serving as a key overseas platform. Funding is anchored by customer deposits and supplemented by interbank borrowings and capital market instruments, including Additional Tier 1 and Tier 2 capital securities issued onshore and offshore. Reported capital ratios comply with Basel III and domestic requirements, and liquidity metrics such as LCR and NSFR are generally maintained above regulatory minimums as disclosed in periodic reports. Credit ratings from major agencies are in the single‑A range, reflecting systemic importance and close linkage to the sovereign. Operating performance is influenced by policy rate moves and deposit pricing pressures on net interest margin, cyclical fee income from wealth and settlement activities, and credit costs tied to economic conditions. Key risk factors include exposure to China’s property sector and local government financing vehicles, market and FX risk from an extensive international book, operational and cyber risks associated with scale and digitalization, and geopolitical or sanctions considerations affecting cross‑border business. Governance follows PRC, HKEX, and SSE rules, with a board including independent directors and dividend distributions subject to regulatory approval and capital plans.