Hong Kong · Delayed Price · Currency is HKD BOC Hong Kong (Holdings) Earnings Call Transcripts
Fiscal Year 2026
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Profit attributable to equity holders rose 7.1% to HKD 23.7 billion, with ROE at 13.18%. Customer loans and deposits grew, NIM widened, and asset quality improved. A three-year shareholder return program was launched, and the bank maintained market leadership in key segments.
Fiscal Year 2025
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Profit after tax rose 5.3% to HKD 41.2 billion, with strong deposit and loan growth, improved cost efficiency, and robust capital ratios. Wealth management, cross-border, and digital initiatives drove segment gains, while prudent risk management contained asset quality pressures.
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Profit rose 10.5% to HKD 22.2B with strong fee and wealth management income growth, while NIM narrowed and CRE sector pressures led to higher provisions. Southeast Asia and RMB businesses outperformed, and digital, ESG, and capital initiatives advanced.
Fiscal Year 2024
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Profit attributable to equity holders rose 16.8% to HKD 38.2 billion, with ROE at 11.6% and strong deposit and loan growth in Southeast Asia. Dividend payout increased to 55%, and quarterly dividends will begin in 2025. Asset quality remains stable amid market uncertainties.
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First-half profit rose 17.9% year on year, with strong growth in Southeast Asia and robust asset quality. Interim dividend increased 8.2%, and the group remains focused on risk management, digital innovation, and expanding diversified income sources.
Fiscal Year 2023
Fiscal Year 2022
Fiscal Year 2021
Fiscal Year 2020
Fiscal Year 2019
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2019 profit rose 4.3% to HKD 34.1bn, supported by loan and NII growth, while fee income declined. COVID-19 and rate cuts cloud 2020; guidance targets mid- to high-single-digit loan growth and a 40%–60% dividend payout range.
Fiscal Year 2018
Fiscal Year 2017
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Continuing-operations profit rose 24.5% to a listing-era record, with strong loan and deposit growth and NIM expansion. Guidance calls for double-digit full-year lending and deposit growth, while ASEAN expansion and risk controls remain priorities.
Fiscal Year 2016
Fiscal Year 2015
Fiscal Year 2014
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H1 profit rose 7.4% to HKD 12.1bn, driven by 17.4% net interest income growth; NIM improved 7 bps. Mainland asset quality and funding costs remained key risks, with H2 loan growth expected to slow.
Fiscal Year 2013
Fiscal Year 2012
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Record 2012 profit reached HKD 20.9bn, with adjusted growth of 14.9% excluding a prior-year Lehman-related recovery. Offshore RMB lending surged, while management expected broadly stable NIM amid deposit and loan-pricing pressure.