What does BOC Hong Kong do?

BOC Hong Kong is a bank based in Hong Kong. It serves individuals and businesses in Hong Kong, mainland China and other countries. It offers savings accounts, loans, mortgages, credit cards, investments and insurance, and it moves money across borders, including in Chinese renminbi (RMB).

Financial Services · Banks - Regional · 2388.HK

What BOC Hong Kong Does & How It Makes Money (2388.HK)

Updated October 2026 · reflects BOC Hong Kong's latest reported financials

Hong Kong commercial bank serving individuals and businesses, founded 1917. It earns interest income on the gap between what it charges on loans and mortgages and what it pays on deposits.

BOC Hong Kong's story, moat and numbers — in a 3-minute visual book.

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How BOC Hong Kong makes money

It earns interest income on the gap between what it charges on loans and mortgages and what it pays on deposits. It also earns fees and commissions from wealth management, securities and funds, cards, trade finance, custody and payments, and income from its treasury and insurance businesses.

What BOC Hong Kong does

BOC Hong Kong (Holdings) is a banking group founded in 1917 and headquartered in Central, Hong Kong. It is a subsidiary of BOC Hong Kong (BVI) Limited. It reports four segments: Personal Banking, Corporate Banking, Treasury and Insurance. It serves customers in Hong Kong, mainland China and internationally, from everyday savers to large corporations. Its products include deposits, mortgages, credit cards and personal loans. For businesses it offers SME, syndicated and green financing, trade finance, cash management and custody. It also provides wealth management, securities and FX trading, insurance and mandatory provident fund (MPF) schemes. Its role as an RMB clearing bank and its cross-border services tie it closely to financial flows between Hong Kong and mainland China.

Products & services

Personal and corporate deposit accounts
Mortgages and business, SME and syndicated loans
Credit cards and payment services
Wealth management, securities, funds and FX services
Life, medical and general insurance plus MPF schemes
RMB clearing bank and cross-border services

Fair value: not published

For banks and lenders, deposits and loans drive the cash flows, so free cash flow doesn't measure what owners earn — and TacticScale's fair value is built on it, so it doesn't publish a number here.

We show a fair value only when the method is trustworthy. See BOC Hong Kong on TacticScale →

Sector Financial Services Industry Banks - Regional HQ Hong Kong Ticker 2388.HK Official site

Related companies

BOC International (China) (601696.SS) · Bank of China (601988.SS) · BOC Aviation (2588.HK) · Bank of Communications (601328.SS)

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