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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.
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.
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