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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 summary27 Oct, 2025
Executive summary
Net operating income before impairment allowances rose 6.3% year-over-year for the first nine months of 2025, but fell 13.9% sequentially in Q3 2025.
Net interest margin narrowed by 8 basis points year-over-year to 1.54%, but widened by 1 basis point quarter-on-quarter in Q3.
Net fee and commission income surged 22.1% year-over-year, driven by strong investment and insurance business performance.
Deposits from customers and advances to customers increased by 10.2% and 3.1% respectively from end-2024.
Impaired loan ratio remained low at 0.96%, below market average.
Financial highlights
Net operating income before impairment: HK$57,179 million for nine months (+6.3% YoY), HK$17,157 million for Q3 (-13.9% QoQ).
Net interest income (including swap contracts): HK$43,300 million for nine months (-0.7% YoY).
Net fee and commission income: HK$9,051 million for nine months (+22.1% YoY).
Operating profit before impairment: HK$44,570 million for nine months (+7.5% YoY), HK$12,858 million for Q3 (-18.3% QoQ).
Cost to income ratio: 22.05%.
Outlook and guidance
Global economic uncertainty persists due to divergent monetary policies and US trade policy adjustments.
Hong Kong's economy continues to grow, with stable property prices and vibrant stock market.
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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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