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Bank of China Limited (3988) investor relations material
Bank of China Limited H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary29 Aug, 2025
Executive summary
Operating income reached RMB329.42 billion in H1 2025, up 3.61% year-on-year, with profit for the period at RMB126.14 billion and profit attributable to equity holders at RMB117.59 billion; ROA was 0.70% and ROE was 9.11%.
Total assets grew 4.93% to RMB36.79 trillion, with total liabilities up 4.85% to RMB33.66 trillion and customer deposits increasing their share of liabilities.
Net interest margin declined to 1.26%, while non-interest income rose 25.70% year-on-year to RMB114.60 billion, representing 34.79% of operating income.
Maintained robust capital adequacy with core Tier 1 CAR at 12.57% and total CAR at 18.67% after a RMB165 billion capital injection.
Asset quality remained strong with NPL ratio at 1.24% and allowance coverage at 197.39%.
Financial highlights
Net interest income declined 5.27% year-on-year to RMB214.82 billion, while non-interest income surged 25.70% to RMB114.60 billion.
Operating expenses increased 10.35% year-on-year to RMB119.50 billion; cost-to-income ratio improved to 25.11%.
Net fee and commission income grew 9.17% year-on-year, accounting for over 30% of operational income.
Basic earnings per share was RMB0.36 for H1 2025.
Impairment losses on assets decreased 5.08% year-on-year to RMB57.50 billion.
Outlook and guidance
Plans to optimize financial supply, expand global operations, and enhance risk control, with a focus on digital transformation and supporting high-quality development.
Expects continued NIM pressure but aims to offset with non-interest income and global business expansion.
Will increase credit allocation to key sectors and support Belt and Road and RMB internationalization initiatives.
BOC's global strategy: regional focus & business?
BOC's AI strategy and tech finance focus?
Outlook for NIM and non-interest income trends?
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Next Bank of China Limited earnings date
Q3 202529 Oct, 2025
Next Bank of China Limited earnings date
Q3 202529 Oct, 2025
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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.
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