Bank of China (3988) investor relations material

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.