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Anhui provincial commercial bank offering retail and corporate banking mainly within the province.
Anhui provincial commercial bank offering retail and corporate banking mainly within the province.
Earns mainly the spread on loans to Anhui companies and local-government-linked borrowers, funded by deposits through a provincial branch network. Anhui provincial state-owned companies are among its largest shareholders, and credit quality depends heavily on one province's economy and property market.
In one line: A Chinese regional/provincial commercial bank.
Moat: narrow (regulatory licence, distribution). Dense branch network within Anhui province but limited scale outside it.
Headquarters: Hefei, China · Founded: 1997 · Employees: 13,995
Size Huishang Bank (3698.HK) is a Hong Kong Financials company (Major Banks) with a market value of $8.31B, the 189th largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$4.69 on 6 Nov 2026.
Performance Over six months the shares fell 8.0%, against +3.8% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — 2nd lowest of 21 in its peer set.
Growth Revenue grew 1.2% over the last twelve months (peer median +9.9%); the operating margin is 43.0% (peer median 40.7%).
Valuation It trades at 0.36× book value against a peer median of 1.17× (2nd cheapest of 21).
Price implies The share price implies a return on equity of about 3.8%; Huishang Bank delivers 10.7%, so the price asks less than the business earns today.
Next results Next results expected around 1 Apr 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | HK$81.4B | HK$79.6B | HK$80.8B | HK$79.7B | HK$79.4B |
| Revenue growth | — | -1% | +1% | 0% | — |
| Net income | HK$17.9B | HK$17.2B | HK$15.8B | HK$15.4B | HK$15.0B |
| Free cash flow | HK$34.5B | HK$31.1B | HK$28.4B | HK$23.8B | HK$27.3B |
| Capital expenditure | HK$1.01B | HK$963M | HK$617M | HK$688M | HK$651M |
| Total debt | n/a | HK$629B | HK$493B | HK$524B | HK$389B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Huishang Bank 3698.HK | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% |
| Bank of Chongqing 1963.HK | $5.11B | +1% | +10% | 10% | 0.41× | 4.2% |
| Bank of East Asia 0023.HK | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% |
| Chongqing Rural Commercial Bank 3618.HK | $11.5B | -4% | +4% | 9% | 0.44× | 4.1% |
| Bank of Jiangsu 600919.SS | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 3698.HK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +2.0% | +2.8% | 8th lowest of 21 |
| 6-month return | -8.0% | +3.8% | 2nd lowest of 21 |
| Return on equity | 10.7% | 10.7% | 11th highest of 21 |
| Price / book | 0.36× | 1.17× | 2nd cheapest of 21 |
| Trailing P/E | 3.6× | 11.4× | 2nd cheapest of 21 |
| ROE the price implies | 3.8% | 10.6% | least demanding of 21 |
| ROE delivered | 10.7% | 10.8% | 11th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Huishang Bank 3698.HK | Hong Kong | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% | 10.7% |
| BOK Financial BOKF | United States | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% | 11.2% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | India | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% | 13.1% |
| Fukuoka Financial 8354.T | Japan | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% | 8.7% |
| Valley National Bancorp VLY | United States | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% | 9.4% |
| Jyske Bank A/S JYSK.CO | Denmark | $9.02B | +25% | +3% | 10% | 1.32× | 5.3% | 10.3% |
| IDBI Bank IDBI.NS | India | $9.04B | +5% | +3% | 12% | 1.18× | 26.1% | 11.8% |
| Mebuki Financial 7167.T | Japan | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% | 9.2% |
| AL Sydbank A/S ALSYDB.CO | Denmark | $9.20B | +37% | +27% | 10% | 1.78× | 6.3% | 9.6% |
| IndusInd Bank INDUSINDBK.NS | India | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% | 4.5% |
| Credito Emiliano CE.MI | Italy | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% | 12.3% |
| Lion Finance BGEO.L | United Kingdom | $7.39B | +20% | +19% | 27% | 1.89× | 21.1% | 27.3% |
| Old National Bancorp ONB | United States | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% | 11.5% |
| Unicaja Banco UNI.MC | Spain | $9.53B | +20% | -3% | 10% | 1.34× | 12.2% | 10.1% |
| Zions Bancorporation NA Depositary Shs Repr 1/40th Int Ser A Flt Rt Non Cum Perp Pfd ZIONP | United States | $9.72B | -16% | +4% | 16% | 0.31× | 4.0% | 16.5% |
| Bank of Maharashtra MAHABANK.NS | India | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% | 23.3% |
| SouthState Bank SSB | United States | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% | 10.3% |
| UMB Financial UMBF | United States | $10.2B | +2% | +17% | 14% | 1.34× | 11.2% | 13.5% |
| Shinkin Central Bank Pfd Subs Cert 8421.T | Japan | $10.3B | -1% | +47% | 3% | 1.02× | 4.4% | 3.0% |
| Bank of India BANKINDIA.NS | India | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% | 14.1% |
| F.N.B FNB | United States | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% | 9.0% |