Tear Sheet: Bank of China (Hong Kong) Ltd.

This report does not constitute a rating action. Bank of China (Hong Kong) Ltd. (BOCHK) continues to demonstrate its strong franchise in Hong Kong, with its CASA (current account and savings account) market share rising to 18.8% at the end of 2025, from 15.7% at the end of 2021. The bank?s shift in funding mix toward lower?cost deposits will enhance its earnings resilience amid narrowing lending spreads. Meanwhile, BOCHK's derisking of its property portfolio helped raise its risk-adjusted capital (RAC) ratio to 13.8% as of end-2025, up from 12.9% as of end-2024. BOCHK?s solid capital buffer will help it absorb profitability strains from lower net interest margins and elevated credit losses. We believe the bank will prudently calibrate its three-year

...Ratings Detail (as of April 21, 2026)* Bank of China (Hong Kong) Ltd. Issuer Credit Rating A+/Stable/A-1 Commercial Paper Foreign Currency A-1 Issuer Credit Ratings History 29-Nov-2011 A+/Stable/A-1 21-Sep-2010 A-/Positive/A-2 16-Feb-2007 A-/Stable/A-2 Sovereign Rating Hong Kong ##+/Stable/A-1+ Related Entities Bank of China (Europe) S.A. Issuer Credit Rating A-/Stable/A-2 Bank of China Ltd. Issuer Credit Rating A/Stable/A-1 Commercial Paper A-1 Senior Unsecured A Senior Unsecured A-1 Bank of China Ltd. (Dubai Branch) Certificate Of Deposit A/A-1 Commercial Paper A/A-1 Senior Unsecured A Bank of China Ltd. (Frankfurt Branch) Senior Unsecured A Bank of China Ltd. (Hong Kong Branch) Certificate Of Deposit A/A-1 Commercial Paper Foreign Currency A-1 Senior Unsecured A Bank of China Ltd. (London Branch) Certificate Of Deposit Foreign Currency A/A-1 Senior Unsecured A Bank of China Ltd. (Luxembourg Branch) Senior Unsecured A Bank of China Ltd. (Macau Branch) Senior Unsecured A Bank of China...

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