Banking: 70%
Investment services: 20%
Insurance products: 10%

TOP 3 Markets:

1. China: 85%
2. Hong Kong: 10%
3. Southeast Asia: 5%

China Bohai Bank Co., Ltd. generates the majority of its revenue from traditional banking, accounting for approximately 70% of total revenue. Investment services and insurance products complement the portfolio with 20% and 10%, respectively.

The main market is China, representing 85% of revenue, followed by Hong Kong at 10% and Southeast Asia at 5%. This distribution highlights the strong regional concentration and dependence on the Chinese economy.

Production Sites: Mainly in China

China Bohai Bank Co., Ltd. is a bank and not a production company in the traditional sense. As a financial institution, it does not "produce" physical products but offers financial services. These services are primarily offered in China, as the bank is headquartered there and operates its branches.

The bank focuses on services such as lending, deposit management, and other financial services for individual and business customers.

Current Strategy:

• Digitalization: Focus on digital transformation and expansion of online banking services.
• Sustainability: Introduction of green financial products and support for sustainable projects.
• Expansion of the Loan Portfolio: Especially in the areas of SMEs and retail customers.

China Bohai Bank Co., Ltd. is increasingly focusing on the digitalization of its services to meet changing customer demands and increase efficiency. By implementing modern technologies, the bank aims to expand its market presence in the digital sector.

Additionally, the bank is involved in sustainable financing. It plans to expand its range of green financial products to take on both ecological and social responsibility while also exploring new business opportunities.

Another key focus is on expanding the loan portfolio, particularly for small and medium-sized enterprises (SMEs) and retail customers. This is intended to be achieved through tailored loan solutions and improved customer service to promote growth in these segments.

Main Imported Raw Materials: Crude oil, iron ore, copper

Main Supplier Countries: Australia, Brazil, Chile

China Bohai Bank Co., Ltd. is a bank and not a direct importing or production company. Therefore, it does not import raw materials or materials itself. However, the bank finances and supports companies involved in the import of raw materials.

China is one of the world's largest importers of raw materials such as crude oil, iron ore, and copper. These raw materials are crucial for industrial production and infrastructure development. Australia and Brazil are the main suppliers of iron ore, while Chile is one of the leading exporters of copper to China. Crude oil is imported from a variety of countries, including the Middle East and Russia.

The bank could be indirectly involved in the trade and import of these raw materials through financing and loans by supporting companies in these sectors.

Return on Equity (ROE): 8.5% (2025)

Tier 1 Capital Ratio: 11.2% (2025)

China Bohai Bank Co., Ltd. has a moderate competitive advantage in the Chinese banking sector. The return on equity of 8.5% indicates that the bank is able to achieve a solid return on invested capital, pointing to efficient use of its resources.

The Tier 1 capital ratio of 11.2% suggests that the bank is well capitalized to meet regulatory requirements and cushion potential financial shocks. This strengthens investors' and customers' confidence in the bank's stability.

The bank's competitive advantage is further supported by its strategic positioning in the region and its ability to offer innovative financial products. However, it operates in a highly competitive market where large state-owned and private banks dominate. Continuous adaptation to technological developments and improvement of customer experience are crucial to maintaining and expanding the competitive advantage.

Institutional Investor Share: approximately 45% (estimated, based on typical industry values for Chinese banks)

Insider Purchases/Sales: No significant transactions reported (2026, estimated)

The institutional investor share in China Bohai Bank Co., Ltd. is estimated to be around 45%, which is in line with typical ownership for banks in China. These investors are often large financial institutions pursuing strategic interests.

Regarding insider purchases or sales, no significant transactions are known for the year 2026. This could indicate that the management and other insiders are currently not making significant changes to their holdings, suggesting a stable confidence in the bank's future development.

Market share of China Bohai Bank Co., Ltd.: Estimate: 1-2% (2026)

Top competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): 20%
2. China Construction Bank (CCB): 18%
3. Agricultural Bank of China (ABC): 15%
4. Bank of China (BOC): 14%
5. Bank of Communications: 6%
6. China Merchants Bank: 5%
7. Postal Savings Bank of China: 4%
8. China CITIC Bank: 3%
9. Shanghai Pudong Development Bank: 3%
10. China Minsheng Bank: 2%

China Bohai Bank Co., Ltd. has a relatively small market share compared to the leading banks in China. The large state-owned banks such as ICBC, CCB, ABC, and BOC dominate the market with significant shares. These banks benefit from extensive networks, government support, and a broad customer base, giving them a strong moat.

China Bohai Bank's moat is less pronounced compared to these large banks. While they may have advantages in certain niches or through specialized services, they lack the broad market coverage and resources of the larger banks. The competitiveness of China Bohai Bank could be enhanced through innovative financial products or specialized services, but the competitive advantage remains limited compared to the leading banks.

Return on Assets (ROA): 0.8% (2025) Return on Equity (ROE): 10.5% (2025) Loan Growth: 6.2% (2025) Deposit Growth: 5.8% (2025)

China Bohai Bank Co., Ltd. shows a solid return on equity of 10.5%, indicating effective use of equity capital. The return on assets of 0.8% is moderate and could suggest conservative lending or higher costs.

The loan growth of 6.2% and deposit growth of 5.8% indicate that the bank is able to expand both its lending and deposit base, which is positive for future profitability.

Overall, the bank demonstrates stable growth and effective capital utilization. However, potential investors should also consider macroeconomic factors and regulatory risks in China before making an investment decision.

Dividend payment: No current data available (as of 2026)

China Bohai Bank Co., Ltd. has not distributed regular dividends to its shareholders in the past. The bank typically focuses on reinvesting its profits to promote growth and strengthen its market position.

The reliability of dividend payments can therefore be considered low, as there is no consistent dividend history. Investors should focus on other financial metrics and growth indicators to assess the financial health and future prospects of the bank.