According to the research report released by Goldman Sachs on the financial APP, the management of BOC Hong Kong (02388) indicated that the pricing of loans may face some pressure due to the drop in market interest rates, but relatively expensive timed deposits maturing in the fourth quarter of last year may offset this. Overall, due to the occurrence of these two different trends, the net interest spread may be relatively stable. Crediting costs in fiscal year 2024 may be lower than that in fiscal year 2023, and the target price for the next 12 months is HKD 30.1 with a "buy" rating.