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Bank of China
Bank of China (3988) investor relations material
Bank of China Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary29 Apr, 2026
Executive summary
Profit for the period reached RMB60.959 billion, up 3.95% year-over-year; profit attributable to equity holders rose 4.17% to RMB56.631 billion.
Operating income increased 8.44% year-over-year to RMB178.822 billion, with net interest income up 7.81% and non-interest income up 9.61%.
Total assets grew 3.22% from year-end to RMB39,594.197 billion; loans and advances to customers rose 4.25%.
Non-performing loan ratio improved to 1.22%, with allowance coverage at 203.17%.
Financial highlights
Net interest margin was 1.26%; cost-to-income ratio stood at 24.80%.
Operating expenses increased 10.55% year-over-year; impairment losses on assets rose 18.73%.
Basic and diluted EPS remained at RMB0.18.
Net cash inflow from operating activities was RMB196.208 billion, reversing an outflow in the prior year.
Outlook and guidance
A 2025 final cash dividend of RMB1.169 per ten ordinary shares (before tax) was approved, pending general meeting approval.
Explain the 18.7% rise in asset impairment losses
Analyze corporate vs personal loan growth
Drivers of the interbank-driven cash flow swing
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Latest events from Bank of China
- Assets up 9.4%, profit up 2.18%, NPL ratio at 1.23%, and capital ratios at record highs.3988
H2 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
Q2 202629 Aug, 2026
Bank of China
Next Bank of China earnings date
Q2 202629 Aug, 2026
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