Bank of China Limited released its 2025 Q3 Pillar 3 Disclosure Report, prepared in accordance with the Capital Rules for Commercial Banks (J.J.Z.J.L [2023] No. 4) issued by the National Financial Regulatory Administration. The document presents current risk management strategies, capital adequacy achievements, leverage ratio, and key liquidity metrics. The Bank utilizes advanced capital measurement approaches for selected credit risk exposures, while standardised methods remain in place for market and operational risk.

Capital positions continued to show resilience as of 30 September 2025. Net Common Equity Tier 1 Capital was reported at RMB 2,603,692 million, with a Common Equity Tier 1 (CET1) adequacy ratio of 12.58%. Tier 1 capital grew to RMB 3,034,150 million, translating to a Tier 1 ratio of 14.66%. Total risk-weighted assets stood at RMB 20,694,578 million, resulting in an overall capital adequacy ratio of 18.66%. The Bank—identified as a domestic systemically important bank (D-SIB) in bucket 4 and a global systemically important bank (G-SIB) in bucket 2—maintained a 1.5% additional capital requirement under prevailing regulations.

Leverage metrics were also robust. As of the end of the reporting period, the Bank’s adjusted on- and off-balance sheet exposures were RMB 39,304,166 million, yielding a 7.72% leverage ratio. Liquidity risk management remained strong, with a liquidity coverage ratio of 138.29% and a net stable funding ratio of 127.89%. These figures reflect the Bank’s adherence to regulatory requirements and its focus on maintaining a solid liquidity position. The Report underscores a governance framework that ensures the authenticity, reliability, and completeness of the disclosed information in line with applicable supervisory standards.