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The Bank of East Asia Limited (23) investor relations material
The Bank of East Asia Limited H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary20 Aug, 2025
Executive summary
Profit attributable to owners rose 14.1% year-over-year to HK$2,407 million for H1 2025, with EPS up 24.6% to HK$0.86 and annualised ROE at 4.5%.
Operating profit before impairment losses declined 3.9% to HK$5,447 million amid challenging market conditions.
Net interest income fell 10.7% to HK$7,344 million as NIM narrowed by 22 bps to 1.88%.
Non-interest income surged 29.2% to HK$2,915 million, driven by higher fee and commission income and trading gains.
Operating expenses remained stable at HK$4,812 million, with a cost-to-income ratio of 46.9%.
Financial highlights
Total operating income decreased 2.1% year-over-year to HK$10,259 million.
Impairment losses on financial instruments dropped 11.9% to HK$2,539 million, with CRE sector accounting for 70% of provisions.
Total assets grew 1.6% to HK$891,424 million; gross loans and advances rose 1.2% to HK$539,175 million.
Customer deposits increased 3.4% to HK$665,226 million; loan-to-deposit ratio improved to 78.1%.
Total equity attributable to owners increased 4.0% to HK$104,436 million.
Outlook and guidance
Management expects global growth risks to persist due to US trade policy and weak Western demand, but Chinese Mainland and Hong Kong economies are forecast to remain resilient.
The Group will focus on prudent risk management, digital transformation, and cross-border business expansion.
Focus remains on productivity, technology upgrades, and expanding revenue drivers.
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Next The Bank of East Asia Limited earnings date
H2 202519 Feb, 2026
Next The Bank of East Asia Limited earnings date
H2 202519 Feb, 2026
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Frequently asked questions
The Bank of East Asia Limited (BEA) is a Hong Kong-based financial institution providing a range of banking and financial services to individuals, businesses, and institutions. The bank offers products including personal and corporate banking, wealth management, loans, credit, and trade finance. BEA also provides investment, insurance, and treasury services, catering to customers in Hong Kong, mainland China, and other international markets. Focused on both traditional banking and digital solutions, BEA serves a diverse client base and supports cross-border financial activities. The company is headquartered in Hong Kong, and its shares are listed on the Hong Kong Stock Exchange.
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