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Bank of China Limited (3988) investor relations material
Bank of China Limited Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Profit for the nine months ended 30 September 2025 rose 1.12% year-over-year to RMB189.589 billion, with profit attributable to equity holders up 1.08% to RMB177.660 billion.
Operating income for the nine-month period increased 2.72% year-over-year to RMB492.115 billion.
Total assets reached RMB37,550.163 billion, up 7.10% from the prior year-end.
Financial highlights
Net interest income for the nine months was RMB325.792 billion, down 3.04% year-over-year; net interest margin was 1.26%.
Non-interest income grew 16.22% to RMB166.323 billion, representing 33.80% of total operating income.
Net fee and commission income increased 8.07% to RMB65.591 billion.
Operating expenses rose 8.03% to RMB186.575 billion; cost-to-income ratio was 26.90%.
Impairment losses on assets decreased 6.20% to RMB80.518 billion.
Outlook and guidance
Interim cash dividend of RMB1.094 per ten ordinary shares (before tax), totaling RMB35,250 million, was approved and awaits general meeting approval.
Dividend of RMB882.9 million (before tax) on Domestic Preference Shares (Fourth Tranche) distributed at an annual rate of 3.27%.
Operating cash flow decline: What are the implications?
Strategy behind revenue stream divergence?
Personal loan growth: What are the factors?
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Next Bank of China Limited earnings date
H2 202525 Mar, 2026
Next Bank of China Limited earnings date
H2 202525 Mar, 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.
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