Hong Kong · Delayed Price · Currency is HKD Bank of China Earnings Call Transcripts
Fiscal Year 2026
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H1 2026 saw steady growth in revenue and profit, with total assets surpassing RMB 40 trillion and strong overseas contributions. The 15th Five-Year Plan prioritizes tech finance, global expansion, and risk management, while asset quality and capital ratios remain robust.
Fiscal Year 2025
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Delivered steady growth in 2025 with operating income up 4.28% and net profit up 2.18%. Asset quality remained robust, NPL ratio at 1.23%, and non-interest income surged 19.21%. Focus remains on digital transformation, global expansion, and risk management.
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Operating income rose 3.61% year-on-year to RMB 329.4 billion, with stable profits and improved asset quality. Core Tier 1 capital adequacy reached a record 12.57% after a major capital injection, and the interim dividend payout ratio remains at 30%.
Fiscal Year 2024
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Total assets and profits grew steadily in 2024, with stable asset quality and strong overseas contributions. The bank is prioritizing digital transformation, green finance, and global expansion, while proactively managing risks and supporting private and emerging industries.
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Operating income remained stable at CNY 317.9 billion in H1 2024, with non-interest income up 6.36% and asset quality improving. The bank expanded green and digital finance, strengthened global operations, and maintained robust risk management, supporting high-quality growth.