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Investor Relations14 Oct 2025
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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 summary21 Aug, 2025
Executive summary
Profit attributable to owners rose 14.1% year-over-year to HK$2,407 million for H1 2025, with basic EPS up 24.6% to HK$0.86.
Annualised ROA was 0.5% and ROE was 4.5% for the period.
Pre-provision operating profit declined 3.9% to HK$5,447 million amid challenging conditions.
Interim dividend declared at HK$0.39 per share, up from HK$0.31 last year.
Financial highlights
Net interest income fell 10.7% year-over-year to HK$7,344 million as NIM narrowed by 22 bps to 1.88%.
Non-interest income increased 29.2% to HK$2,915 million, with net fee and commission income up 16.7% to HK$1,654 million.
Operating income decreased 2.1% to HK$10,259 million.
Operating expenses remained stable at HK$4,812 million; cost-to-income ratio rose to 46.9%.
Impairment losses on financial instruments dropped 11.9% to HK$2,539 million.
Gross loans and advances to customers increased 1.2% to HK$539,175 million; total assets rose 1.6% to HK$891,424 million.
Customer deposits grew 3.4% to HK$665,226 million; loan-to-deposit ratio at 78.1%.
Total equity attributable to owners increased 4.0% to HK$104,436 million.
Outlook and guidance
Chinese Mainland GDP expected to grow around 5.0% in 2025, with Hong Kong GDP forecasted at 2.0–3.0%.
Group anticipates continued stable expansion in Hong Kong and solid growth in the Chinese Mainland.
Focus remains on digital transformation, cross-border business, and operational efficiency.
Ongoing investment in technology, AI, and workforce development to drive future growth.
How is BEA managing CRE sector risks?
OneBank and GSC impact on operations?
How is BEA refining its deposit mix?
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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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