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# Bank of China Posts 2% Net Profit Rise to CNY 243 Billion in 2025
- URL: https://www.theglobalbanker.com/bank-of-china-posts-2-net-profit-rise-to-cny-243-billion-in-2025/
- Published: 2026-03-31T00:30:50.000Z
- Updated: 2026-10-01T23:25:17.000Z
- Description: Bank of China Limited's full-year 2025 net income climbed 2.2% to CNY 243.021 billion despite net interest income dipping amid margin pressures. Total assets grew 9.40% from the end of 2024.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific

Bank of China Limited, one of China's "Big Four" state-owned lenders, delivered a 2.2% increase in full-year 2025 net income to CNY 243.021 billion. The bank's operating income rose 4.3% year-on-year to RMB659.866 billion, as a 19.21% rise in non-interest income offset a 1.83% fall in net interest income. The board recommended a final dividend of RMB0.1169 per share, subject to shareholder approval, with full-year dividend reaching RMB0.2263 per share.

#### NET INTEREST PRESSURES MOUNT

Net interest income fell 1.83% to RMB440.705 billion, while non-interest income rose 19.21% to RMB219.161 billion, including a 7.37% increase in net fee and commission income to RMB82.237 billion. The non-performing loan ratio fell to 1.23% from 1.25%, and the capital adequacy ratio rose to 18.85% from 18.76%.

Overseas commercial banking business and overseas comprehensive operations contributed 22.18%, 23.88% and 27.99% of the group's total assets, operating income and profit before income tax, respectively. The cost-to-income ratio improved to 27.84% from 28.77%, while basic earnings per share were RMB0.74, compared with RMB0.75 in 2024\. Across China's commercial banks, net profit for 2025 rose 2.3% to RMB2.4 trillion, according to figures cited in the bank's annual report.

#### HONG KONG ARM DRIVES REGIONAL STRENGTH

BOC Hong Kong (Holdings), a key subsidiary, exemplified the group's regional prowess with profit for 2025 reaching HK$41,189 million, a 5.3% year-on-year increase. Profit attributable to equity holders hit HK$40,121 million, up 4.9%, while return on average shareholders' equity stood at 11.51%. The subsidiary's net operating income before impairment allowances amounted to HK$77,019 million, up 8.1% year-on-year.

The Hong Kong unit achieved solid income growth, with net fee and commission income jumping 13.9% to HK$11,269 million, driven by strong demand for wealth management services. Including the funding income or cost of foreign exchange swap contracts, net interest income rose 1.4% to HK$59,667 million, though the adjusted net interest margin dipped 6 basis points to 1.58%. The Hong Kong unit's impaired loan ratio remained low at 1.14%, with cost-to-income ratio improving to 23.62%. Capital buffers were robust, with total capital ratio at 25.98% and Common Equity Tier 1 at 24.01%.

#### MARGINS NARROW

The group's net interest margin narrowed 14 basis points to 1.26% in 2025, as the average yield on its interest-earning assets fell 49 basis points.