China Bohai Bank Co (FRA:4B1) Effective Interest Rate on Debt %: 10.25% (As of Dec. 2025)

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FRA:4B1 China Bohai Bank Co Ltd FRA:4B1
64 GF Score
Price €0.08
GF Value €0.10
! 4 Warning Signs
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What is China Bohai Bank Co Effective Interest Rate on Debt %?

China Bohai Bank Co FRA:4B1 -0.59% 64 Effective Interest Rate on Debt % is 10.25% as of Dec. 2025. GuruFocus rates FRA:4B1 with a GF Score™ of 64/100 and a GF Value™ of €0.10. The stock has 4 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. China Bohai Bank Co's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €4,094 Mil. China Bohai Bank Co's average total debt for the quarter that ended in Dec. 2025 was €39,958 Mil. Therefore, China Bohai Bank Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 10.25%.


China Bohai Bank Co  (FRA:4B1) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


China Bohai Bank Co Effective Interest Rate on Debt % Related Terms


China Bohai Bank Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for China Bohai Bank Co's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

China Bohai Bank Co Effective Interest Rate on Debt % Chart

China Bohai Bank Co Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only 16.51 14.64 15.08 14.07 10.47

China Bohai Bank Co Semi-Annual Data
Dec17 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.65 14.82 13.82 10.72 10.25

China Bohai Bank Co Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, China Bohai Bank Co's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


China Bohai Bank Co Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, China Bohai Bank Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where China Bohai Bank Co's Effective Interest Rate on Debt % falls into.


FRA:4B1
64GF Score
China Bohai Bank Co Ltd FRA:4B1
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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China Bohai Bank Co Effective Interest Rate on Debt % Calculation

China Bohai Bank Co's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -4146.58/( (38663.015+40572.665)/ 2 )
=-1  *  -4146.58/39617.84
=10.47 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=38663.015 + 0
=38663.015

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=40572.665 + 0
=40572.665

China Bohai Bank Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -4094.134/( (39342.475+40572.665)/ 2 )
=-1  *  -4094.134/39957.57
=10.25 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=39342.475 + 0
=39342.475

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=40572.665 + 0
=40572.665

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 10.25% mean?
China Bohai Bank Co (FRA:4B1) has a Effective Interest Rate on Debt % of 10.25% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on China Bohai Bank Co and its competitors.
Is China Bohai Bank Co's Effective Interest Rate on Debt % too high?
China Bohai Bank Co's current Effective Interest Rate on Debt % is 10.25%. Overall, China Bohai Bank Co has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does China Bohai Bank Co's Effective Interest Rate on Debt % compare to competitors?
China Bohai Bank Co's Effective Interest Rate on Debt % of 10.25% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on China Bohai Bank Co and its competitors. China Bohai Bank Co's current Effective Interest Rate on Debt % is 10.25%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Bohai Bank Co stock overvalued right now?
China Bohai Bank Co (FRA:4B1) has a current Effective Interest Rate on Debt % of 10.25%. The stock's GF Value™ is €0.10, compared to a current price of €0.08 — trading 16% below its estimated fair value. The current Effective Interest Rate on Debt % is 10.25%. China Bohai Bank Co's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For China Bohai Bank Co (FRA:4B1), the current Effective Interest Rate on Debt % is 10.25% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is China Bohai Bank Co (FRA:4B1) Overvalued in 2026?

Based on GuruFocus' analysis, China Bohai Bank Co stock appears to be undervalued. The current stock price of €0.08 is trading 16% below its estimated GF Value™ of €0.10.

Key valuation signals for FRA:4B1:

  • Effective Interest Rate on Debt %: 10.25%
  • GF Value™: €0.10 vs. price of €0.08 (16% below fair value)
  • GF Score™: 64/100 with 4 warning signs

No single metric tells the full story. See the FRA:4B1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


China Bohai Bank Co Business Description

Other Exchanges 09668:Hong Kong
Address No. 218 Haihe East Road, Hedong District, Tianjin, CHN, 300012
China Bohai Bank Co Ltd offers banking services in China. Its operating segments are: Corporate Banking, Retail Banking, Financial Market Business, and Others. Maximum revenue is generated from the Corporate Banking segment, which provides a range of financial products and services to corporations, government agencies, and financial institutions. These products and services include corporate loans and advances, trade financing, deposit-taking activities, agency services, consulting and advisory services, remittance and settlement services, guarantee services, etc. The Retail banking segment caters to individual customers, and the financial markets business enters into interbank money market transactions, repurchase transactions, interbank investments, and bond investments and trading.
64GF Score

Get the complete analysis for FRA:4B1

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.08
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