Bank of China Limited (3988) Earnings Call Transcripts

Bank of China Limited's Latest Earnings Call - March 30, 2026

In the 2025 fiscal year, Bank of China Limited (3988:HK) reported a steady increase in operating income to approximately RMB 65.9 billion, reflecting a 4.28% year-on-year growth, while net profit attributable to shareholders rose by 2.8%. The bank's net interest margin remained stable at 1.26%, and the non-interest income surged by 91.21% year-on-year, indicating a strong diversification of revenue streams. Management maintained a positive outlook for 2026, emphasizing continued support for the real economy and a focus on digital transformation, although they acknowledged challenges related to asset quality and competition for deposits.

Reported metrics

Guidance from management

Management maintained a positive outlook for 2026, emphasizing continued support for the real economy and digital transformation initiatives, while also addressing challenges related to asset quality and deposit competition.

What management said

Thank you, President Zhang. We move on to the Q&A session in order for more friends to have a chance to raise questions. Each person only can ask 1 question. Before that, please identify yourself and your organization first. [Operator Instructions]

And today, we have a lot of friends who are with us today, especially some share investors who are also joining us online. So now we will invite the friends who are online to raise questions and also please identify yourself and then ask your questions.

What analysts pressed on

Analysts expressed concerns regarding the competitive landscape for deposits and the potential impact of maturing time deposits on growth. There were also questions about the bank's strategies to maintain asset quality amid economic uncertainties.

Main topics on the call

• Revenue Growth — Bank of China reported operating income of approximately RMB 65.9 billion, an increase of 4.28% year-on-year. Management noted, "Net profit attributable to shareholders grew by 2.8%, with growth improving quarter-by-quar...
• Non-Interest Income Surge — Non-interest income increased significantly by 91.21% year-on-year, indicating a successful diversification strategy. Management stated, "Income sources were further broadened with rapid growth in wealth management and i...
• Stable Asset Quality — The bank's non-performing loan (NPL) ratio stood at 1.23%, down by 0.02% from the previous year, maintaining the best level among peers. Management emphasized, "We are confident in maintaining the stability of the group'...
• Digital Transformation Initiatives — Management highlighted ongoing efforts in digital transformation, stating, "We have implemented AI initiatives and formulated a construction plan, deploying over 400 intelligent assistants across various operations."

Read the full Bank of China Limited transcript (March 30, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 13 Bank of China Limited earnings call transcripts on record, spanning March 27, 2020 to August 28, 2026. Based on this history, Bank of China Limited reports semi-annually. The most recent call on file is dated August 28, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

3988

Exchange

SEHK

Country

HK

Sector

Financials

Industry

Banks

Calls on record

13

First call

March 27, 2020

Most recent

August 28, 2026

Reporting cadence

semi-annually