Financial services: 60%
Investment banking: 25%
Insurance services: 15%

TOP 3 markets:
China: 55%
Hong Kong: 20%
Europe: 15%

The Bank of China Limited generates the majority of its revenue from financial services, followed by investment banking and insurance services. The Chinese market is the most significant for the bank, which is not surprising given that it is headquartered there and has a strong presence.

Hong Kong and Europe are also important markets, with Hong Kong playing a strategic role as a financial center in Asia. Europe provides the bank with opportunities for diversification and expansion into international markets.

Headquarters: Beijing, China

The Bank of China Limited is a financial institution and does not produce physical products in the traditional sense. As one of the largest banks in China, it offers financial services including loans, deposits, investments, and international trade financing.

Its services are offered worldwide, with a focus on the Asian market. The bank has numerous branches and subsidiaries in different countries to provide its services internationally.

Revenue Growth: Estimated 6-8% annually (2025-2027, based on historical trends and market analyses)

Focus on Digitalization: Bank of China Limited is increasingly focusing on digital transformation to enhance its efficiency and improve customer experience. This includes investments in Fintech and the development of digital platforms.

International Expansion: The bank plans to expand its presence in international markets, particularly in Asia and Africa. This will be achieved through strategic partnerships and the expansion of its branch network.

Sustainable Financial Products: Another key focus is on the development and marketing of sustainable financial products. The bank aims to position itself as a leading provider of green financial solutions to meet the growing demands for environmental responsibility.

These strategies are intended to help strengthen the bank's market position and secure long-term growth. Analysts expect that these measures will contribute to increasing the bank's profitability and market share in the coming years.

Main Imported Raw Materials/Materials: Financial services and capital

Countries of Origin: Global, with a focus on Asia, Europe, and North America

The Bank of China Limited is primarily active in the financial sector and does not import physical raw materials or materials in the traditional sense. Instead, the bank trades in financial services and capital, which it sources globally and provides.

The bank is heavily interconnected in international financial markets, meaning that it imports and exports capital flows from various countries, especially from Asia, Europe, and North America. These capital flows include investments, loans, and other financial services.

The Bank of China leverages its international presence to benefit from global financial markets and allocate capital efficiently.

Market share in China: 10% (2024, estimate)
Return on equity (ROE): 11.5% (2024)
Tier 1 Capital Ratio: 13.8% (2024)

The Bank of China Limited is one of the largest banks in China and holds a significant market share of about 10% in the Chinese banking sector. This gives it a strong competitive advantage, especially domestically, where it benefits from its established brand and extensive branch network.

The return on equity of 11.5% indicates that the bank operates efficiently and is able to provide solid returns to its shareholders. This is an indicator of its competitiveness compared to other major banks in the region.

The Tier 1 Capital Ratio of 13.8% suggests a solid capital base, which gives the bank stability and allows it to remain competitive even in economically uncertain times. This financial strength enables the bank to invest in new technologies and services to further solidify its market position.

Institutional investor share: Estimated at around 60% (2025)

Insider purchases/sales: No significant changes reported (2025)

The institutional investor share in Bank of China Limited typically stands at around 60%. This reflects the interest and confidence of large investment companies and funds in the stability and growth potential of the bank.

In 2025, no significant insider purchases or sales were reported. This suggests that the management and other insiders are currently not making significant changes to their stake in the bank, indicating a stable assessment of the company's development.

Market Share Bank of China Limited: 12% (estimated for 2025)

Top Competitors and Their Market Shares:

1. Industrial and Commercial Bank of China (ICBC): 18%
2. China Construction Bank (CCB): 16%
3. Agricultural Bank of China: 14%
4. Bank of China Limited: 12%
5. Bank of Communications: 8%
6. Postal Savings Bank of China: 7%
7. China Merchants Bank: 6%
8. Shanghai Pudong Development Bank: 5%
9. Industrial Bank Co., Ltd.: 4%
10. China Minsheng Bank: 3%

Moat of Bank of China Limited:

Bank of China Limited has a significant moat stemming from its strong international presence and comprehensive network of branches and subsidiaries worldwide. This global reach enables the bank to benefit from global trade and investment flows, providing a significant advantage over banks operating purely on a national level.

Compared to other major Chinese banks like ICBC and CCB, which also have strong networks and capital bases, Bank of China Limited offers a unique positioning in international business. This can be seen as a differentiating factor, even though the competition is comparable in terms of size and capital strength.

However, some competitors, especially ICBC and CCB, have a strong moat due to their sheer size and domestic market leadership, supported by a broad customer base and comprehensive services. These factors make it challenging for Bank of China Limited to stand out solely based on international presence.

Revenue Growth: 3.5% (2024) Profit Growth: 2.8% (2024) Return on Equity: 9.1% (2024)

The Bank of China Limited is showing moderate revenue and profit growth, indicating a stable business development. The return on equity of 9.1% is an indicator of solid profitability compared to other major banks.

In recent years, the bank has expanded its international presence and is benefiting from China's increasing economic interconnectedness. This could lead to further growth opportunities in the long term.

Furthermore, the bank is well capitalized, making it resilient to economic fluctuations. However, investors should also consider the geopolitical risks and regulatory challenges that could affect the financial sector in China.

Dividend yield: 5.2% (2025, estimated)
Dividend history: Continuous payout for several years

The Bank of China Limited has regularly paid dividends in recent years, indicating a reliable payout policy. The estimated dividend yield of 5.2% for the year 2025 suggests an attractive return for investors, especially when compared to other banks in the region.

The stability of dividend payments is supported by the bank's solid financial position, characterized by a strong capital base and diversified sources of income. Therefore, investors can rely with a certain degree of confidence on the dividend payments from the Bank of China.