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Bank of Communications Co (3328) investor relations material
Bank of Communications Co 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
Net profit attributable to shareholders rose 1.61% year-over-year to RMB46.016 billion for H1 2025, with net operating income up 0.72% to RMB133.498 billion and net interest income up 1.20% to RMB85.247 billion.
Total assets increased 3.59% from end-2024 to RMB15.44 trillion, with loans to customers up 5.18% to RMB9 trillion and deposits up 4.22% to RMB9.17 trillion.
Shareholders' equity increased 13.08% to RMB1.29 trillion.
The bank maintained a stable non-performing loan (NPL) ratio of 1.28% and improved provision coverage to 209.56%.
Strategic focus continued on green, inclusive, sci-tech, ageing, and digital finance, with green loans exceeding RMB870 billion and inclusive loans to small/micro enterprises up 11.45%.
Financial highlights
Earnings per share rose 5.36% year-over-year to RMB0.59.
Net interest margin declined by 8 bps to 1.21% due to lower loan yields and market rates.
Capital adequacy ratio: 16.59%; core tier-1: 11.42%; leverage ratio: 7.61%.
Cost-to-income ratio remained stable at 29.94%.
NPL ratio: 1.28% (down 0.03pp); provision coverage: 209.56% (up 7.62pp).
Outlook and guidance
Management expects stable and steady development in H2 2025, focusing on the “five priorities” and digital transformation.
Plans to enhance Shanghai-based bank advantages, promote digital transformation, optimize business structure, and strengthen risk management.
Risk prevention in real estate and local government debt remains a key focus.
Explain personal banking profit before tax decline
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Next Bank of Communications Co earnings date
Q3 202531 Oct, 2025
Next Bank of Communications Co earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Bank of Communications Co., Ltd. is a China-based financial institution offering a comprehensive range of banking and financial services. The bank provides retail and corporate banking, wealth management, asset management, and investment banking services. Its core products include deposits, loans, credit cards, foreign exchange, and trade financing. Additionally, the bank engages in treasury operations, financial leasing, and trust services through its subsidiaries. The company is headquartered in Shanghai, China, and its shares are listed on the SSE and HKEX.
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