Hong Kong · Delayed Price · Currency is HKD Bank of China Earnings Call Transcripts
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 strong risk management and global expansion. The bank is prioritizing digital transformation, green finance, and support for new productive forces, while maintaining robust asset quality and preparing for continued growth and innovation in 2025.
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H1 2024 saw stable operating income, robust non-interest income growth, and improved asset quality, with strong expansion in green, digital, and cross-border finance. Risk management remains a priority, especially in real estate and overseas operations.