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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bank of China
Bank of China (3988) investor relations material
Bank of China H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary28 Aug, 2026
Executive summary
Celebrated the 20th anniversary of IPO, with total assets increasing 8 times and global coverage expanding to 64 countries.
Operating income for H1 2026 reached RMB357.11 billion, up 8.41% year-over-year; net profit attributable to shareholders rose 4.67% to RMB132.03 billion.
Overseas profit contribution increased, with overseas net profit at $6.4 billion, accounting for 27.21% of group net profit.
Board adopted the 15th Five-Year Plan, focusing on high-quality development, tech finance, and global competitiveness.
Maintained key financial indicators within reasonable ranges, with ROA at 0.67% and ROE at 8.66%.
Financial highlights
Total assets exceeded RMB40.19 trillion, up 4.77% from end-2025; total liabilities reached RMB36.95 trillion, up 5.11%.
Net interest income grew by 10.20% year-on-year to RMB236.73 billion; NIM stabilized at 1.27%, up 1 basis point from Q1.
Non-interest income was RMB120.38 billion, up 5.04% year-on-year, accounting for 33.71% of total income.
Cost-income ratio improved to 23.43%, down 1.68 percentage points year-over-year.
Basic EPS remained at RMB0.36; net cash flows from operating activities surged to RMB515.80 billion.
Outlook and guidance
Focus on tech finance, green finance, inclusive finance, and digital transformation as key growth drivers.
Plans to leverage global business advantages, enhance risk management, and support the real economy.
Continued optimization of asset and liability structure, with emphasis on high-quality, long-term growth.
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Latest events from Bank of China
- Profit rose 3.95% year-over-year, with strong asset growth and improved loan quality.3988
Q1 2026 - Assets up 9.4%, profit up 2.18%, NPL ratio at 1.23%, and capital ratios at record highs.3988H2 2025
- Modest profit growth, improved asset quality, and strong capital ratios amid lower cash flow.3988Q3 2025
- Profit dipped 2.90% year-over-year as non-interest income offset weaker net interest income.3988Q1 2025
- Steady growth in income and assets, strong capital, and robust non-interest income gains.3988H1 2025
- Q3 2024 profit rose 3.64% year-over-year, with stable asset quality and strong non-interest income growth.3988Q3 2024
- Net profit RMB126.54B, assets up 4.55%, NPL ratio 1.24%, capital adequacy 18.91%.3988H1 2024
- Record assets, higher profit, strong capital, and digital and green finance leadership in 2024.3988H2 2024
Next Bank of China earnings date
Q3 202630 Oct, 2026
Bank of China
Next Bank of China earnings date
Q3 202630 Oct, 2026
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Frequently asked questions
Bank of China Limited is a China-based financial institution providing a comprehensive range of banking and financial services to individual, corporate, and institutional clients worldwide. The bank’s offerings include retail and corporate banking, investment banking, wealth management, insurance, and international trade financing. With an extensive global presence, Bank of China serves clients in sectors such as real estate, manufacturing, and international trade, supporting domestic and cross-border financial transactions. The company is headquartered in Beijing, China, and its shares are listed on the Hong Kong Stock Exchange and the Shanghai Stock Exchange.