Bank of China Limited (Stock Code: 3988) released its unaudited results for the third quarter ended 30 September 2025. The Group reported a profit of RMB189.589 billion for the period, rising 1.12% compared with the same period of 2024. Profit attributable to equity holders stood at RMB177.660 billion, up 1.08%.

During the first three quarters of 2025, operating income reached RMB492.115 billion, an increase of 2.72%. Within this, net interest income slipped 3.04% to RMB325.792 billion, while non-interest income grew 16.22% to RMB166.323 billion, accounting for 33.80% of total operating income. The net interest margin was 1.26%. Fee and commission income totaled RMB65.591 billion, up 8.07%.

Total assets rose 7.10% year-end to RMB37.550 trillion, driven primarily by increases in loans and advances and financial investments. Loans and advances to customers grew 8.15% to RMB23.353 trillion. Total liabilities stood at RMB34.313 trillion, up 6.87%. Due to customers amounted to RMB25.679 trillion, increasing 6.10%, with both corporate and personal deposits recording growth.

As of 30 September 2025, the non-performing loan ratio stood at 1.24%, a decrease of 0.01 percentage point from the prior year-end, while the allowance coverage ratio was 196.60%. The Group’s capital adequacy ratio reached 18.66%, with the common equity tier 1 and tier 1 capital adequacy ratios at 12.58% and 14.66%, respectively.

On 29 August 2025, a dividend payment of RMB882.9 million (before tax) on one tranche of Domestic Preference Shares was completed. A 2025 interim cash dividend distribution plan of RMB35,250 million (before tax) for ordinary shareholders was approved by the Board and awaits General Meeting approval.