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BOC Hong Kong (2388) investor relations material
BOC Hong Kong 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
Achieved 6.3% year-over-year growth in net operating income before impairment allowances for the first nine months of 2025, but saw a 13.9% sequential decline in Q3 compared to Q2.
Hong Kong's economy continued its growth momentum, with exports and the stock market performing strongly and property prices stabilizing.
Expanded customer base in Hong Kong, strengthened cross-border and Southeast Asian business, and maintained a leading position in RMB business.
Financial highlights
Net operating income before impairment allowances: HK$57,179 million for the first nine months (+6.3% YoY); Q3: HK$17,157 million (-13.9% QoQ).
Net interest margin narrowed 8 bps YoY to 1.54% for the nine months; widened 1 bp QoQ in Q3.
Net fee and commission income up 22.1% YoY to HK$9,051 million; down 3.8% QoQ in Q3.
Operating expenses rose 1.9% YoY and 2.6% QoQ, mainly due to higher staff and IT costs.
Net charge of impairment allowances increased by HK$1,800 million YoY to HK$5,123 million; annualized credit cost at 0.40% (+0.14 ppt YoY).
Outlook and guidance
Global economic uncertainty persists due to divergent monetary policies and US trade policy adjustments.
Hong Kong expected to maintain growth momentum, supported by stable consumer demand and vibrant financial markets.
How does CASA ratio improvement affect NIM?
What drove the QOQ decrease in impairment?
Explain BOCHK's role in HKMA's Project Cargo.
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Next BOC Hong Kong earnings date
H2 202525 Mar, 2026
Next BOC Hong Kong earnings date
H2 202525 Mar, 2026
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Frequently asked questions
BOC Hong Kong Holdings Limited is a financial services holding company that operates as a subsidiary of the Bank of China. The company provides a wide range of banking and financial services, including personal and corporate banking, wealth management, insurance, and treasury operations. BOC Hong Kong serves a diverse client base in Hong Kong and abroad, offering services such as deposits, loans, trade financing, investment products, and currency exchange. The company also plays a role in supporting China's "Belt and Road" initiative and facilitates cross-border financial activities between Hong Kong, mainland China, and other international markets. The company is headquartered in Hong Kong, China, and its shares are listed on the Hong Kong Stock Exchange.
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