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Bank of Communications
Bank of Communications (3328) investor relations material
Bank of Communications Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Total assets rose 4.02% year-to-date to RMB15.5 trillion, with stable business operations and sound growth.
Net operating income for the first nine months increased 1.86% year-over-year to RMB200.06 billion.
Net profit attributable to shareholders grew 1.90% year-over-year to RMB69.99 billion.
Financial highlights
Loans to customers increased 6.04% from year-end 2024 to RMB9.07 trillion; deposits from customers up 5.26% to RMB9.26 trillion.
Net interest income rose 1.46% year-over-year to RMB128.65 billion, accounting for 64.31% of net operating income.
Net fee and commission income was RMB29.40 billion, up 0.15% year-over-year.
Cost-to-income ratio improved by 0.28 percentage points to 30.07%.
Asset impairment losses decreased 3.02% year-over-year to RMB44.12 billion.
Outlook and guidance
Management emphasized commitment to serving the real economy and maintaining financial stability.
Impact of June 2025 A-share issuance on ownership
What drove the 8 bps NIM decrease
Reason for basic EPS decline despite net profit growth
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Latest events from Bank of Communications
- Net profit up 1.61% to RMB46.016bn, assets at RMB15.44tn, capital strengthened by share issue.3328
H1 20252 Dec 2025 - Net profit fell 1.63% year-over-year as fee income dropped, but asset quality and capital ratios improved.3328H1 20242 Dec 2025
- Net profit grew 0.93% to RMB 93.59bn, with improved asset quality and strong capital ratios.3328H2 20242 Dec 2025
- Asset growth continued, but profit and margins declined amid stable asset quality and strong capital.3328Q3 20242 Dec 2025
- Q1 2025 saw steady profit growth, stable asset quality, and plans for a major capital raise.3328Q1 20252 Dec 2025
Next Bank of Communications earnings date
H2 202527 Mar, 2026
Bank of Communications
Next Bank of Communications earnings date
H2 202527 Mar, 2026
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