)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
BOC Hong Kong (2388) investor relations material
BOC Hong Kong 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
Profit attributable to equity holders rose 10.5% year-on-year to HK$22,152 million, with ROE up 0.53 percentage points to 12.92%.
Net operating income before impairment allowances increased 13.3% year-on-year to HK$40,022 million, driven by higher net fee and commission income and trading gains.
Interim dividends totaled HK$0.58 per share, reflecting year-on-year growth.
Wealth management income surged 53% year-on-year, and BOC Life's new premiums grew 33.6%.
The Group maintained strong capital and liquidity positions, with a total capital ratio of 25.69%.
Financial highlights
Profit for the period increased 11.4% year-on-year to HK$22,796 million; ROE and ROA improved to 12.92% and 1.05%, respectively.
Net interest income was HK$25,063 million; adjusted net interest margin was 1.54%, down 7 bps year-on-year.
Net fee and commission income rose 25.8% year-on-year to HK$6,292 million, led by insurance, securities brokerage, and funds distribution.
Net trading gain surged 131.9% year-on-year to HK$12,231 million.
Operating expenses increased 2.3% year-on-year to HK$8,310 million; cost-to-income ratio improved to 20.76%.
Outlook and guidance
The Group expects continued steady growth in Hong Kong and Southeast Asia, leveraging digital transformation and cross-border business opportunities.
Focus remains on risk management, sustainable finance, and digital innovation to support long-term growth.
NIM and net interest income expected to remain under pressure due to low interest rates.
Dividend payout ratio to remain within previously stated range; share buybacks and treasury shares under consideration.
Key priorities include expanding private banking, asset management, and Southeast Asia operations.
Drivers of 7bps NIM decline year-on-year
Basel III impact on risk-weighted assets
Payment Connect service: features and impact
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next BOC Hong Kong earnings date
Q3 202528 Oct, 2025
Next BOC Hong Kong earnings date
Q3 202528 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage