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Bank of China
Bank of China (3988) investor relations material
Bank of China Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Profit for the nine months ended 30 September 2025 rose 1.12% year-over-year to RMB189.589 billion; profit attributable to equity holders increased 1.08% to RMB177.660 billion.
Operating income for the nine months reached RMB492.115 billion, up 2.72% year-over-year.
Total assets as of 30 September 2025 were RMB37,550.163 billion, up 7.10% from year-end 2024.
Net interest income declined 3.04% year-over-year, while non-interest income grew 16.22%.
Non-performing loan ratio improved to 1.24%, down 0.01 percentage point from year-end 2024.
Financial highlights
Net interest income for nine months was RMB325.792 billion, down 3.04% year-over-year.
Non-interest income reached RMB166.323 billion, up 16.22% year-over-year.
Net fee and commission income increased 8.07% to RMB65.591 billion.
Operating expenses rose 8.03% to RMB186.575 billion; cost-to-income ratio was 26.90%.
Impairment losses on assets decreased 6.20% to RMB80.518 billion.
Outlook and guidance
Interim cash dividend of RMB1.094 per ten ordinary shares (before tax) totaling RMB35,250 million was approved, pending general meeting approval.
Dividend of RMB882.9 million (before tax) on Domestic Preference Shares (Fourth Tranche) was distributed at a 3.27% annual rate.
Impact of loan growth on operating cash flow
Non-interest income's role in revenue growth
Personal vs corporate loan growth divergence
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Next Bank of China earnings date
H2 202530 Mar, 2026
Bank of China
Next Bank of China earnings date
H2 202530 Mar, 2026
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