Boc Hong Kong (holdings) Limited · HKEX:2388
Boc Hong Kong (holdings) — H1 2025 Earnings Presentation
35 slides from Boc Hong Kong (holdings)'s earnings presentation, Aug 29, 2025
Slide 1: 2025年中期業績
Slide 2: Disclaimer
Eggi) 6h (12) AR AS BOC HONG KONG (HOLDINGS) LIMITED, ARS 7B IG BS at oe a SS A A ER BU BB TE RAR. TERR AU eA Be A WMEBI FER, GIRS. HEE. PARR. FRat. ate. FAR. BR. UR. Ha, MARAT k RARSESRELRERSS. APARBD TRUS EBAKARSRRAN AMR. ee BUMS TE RU ERARRRA ARAMA ESR IR SERA. A ol AY BERR Se Aa) Re ie KR it SRA
Slide 3: Agenda
a] fe MERAH
Slide 4: Section divider: results overview
PRE 8 (2B) AR A ye 214 [Gl BA
Slide 5: Interim results highlights
IKS#@RRME RRORHMEA Pee (BR)AR AA ARSE HEAL SEAS) ARR HB SRE 221.5 2iax 12.92% 0.58387 aH) +10.5% voy +0.5353)24 Yoy +1.8% Yor
Slide 6: Business highlights
IFHRARBRERM, FORHAMHE PARE HE (12H) APR Al 7 Aah omar SER MEMOs HBS ses Lh BR HET RS Th B70 +p SRE MLR eA Bes nS aa BB ba SB BAREIS IPO Wakes Th 1 8 — HRB EE has aewmeig15% BASRA MEA, BUSRSRD MATA MAAS SR ASRS SHS ARE LISI5% (AASB 105% AaeRseee USA Ch SR ORAL A $45 SEIS IT IS AAT HA SAE GIS 19% ta D
Slide 7: Strategic progress and digital banking
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Slide 8: Business development highlights
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Slide 9: Business development highlights
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Slide 10: Business development highlights
Ii a: xHeHEE Firth ae P, RURFULSRH Shs RR Bu, BERBER BOSSSER ‘PORE khS, SHEHGKOARRPRRRERR PARE SRR ASMP BRY SMa, HVPERARERSABR HI RERA RGEDAFARBER, HRA OASARS, BPRSRARHERARR GARBER, HUMFRETHERTNRBRD, RRA RERRB ET Ratt BAF RRTERSARUE10% , APETRARARALISBAM RS BSR, FREER, Rt TARARK, CARLA ARHBM(78% iGT
Slide 11: ESG and sustainability
- dee ose F AG ST OME R SG LRRERADSMARRAR ESG {Ras 7A $5 ESG(R3 12 SBA +25% +124% +12% (fASRBHA, HHSSSIGNERNSTS SERENSRERASES UMEERBSSH, SRABBERME TARR TH SAEs FTSEAGood i SHR) ADHEMER, RHSARAROLGARTSMERES EUROMONEY PARA SAL ASHE CRRA RATER) AORIRA GS], SITS PATA M2 O25 Z HEBBIOMRSRB, MROOSAR LAH ra
Slide 12: Section divider: financial review
PER SS (12 Ae) APR AB) BOC HONG KONG (HOLDINGS) LIMITED. U y Mis RRA
Slide 13: Profit and income
|& Ke Se iafs Pio 3,282 (189) 1,292 || 20,463 2° = a s I (+0.4%) (+25.8%) (+216.1%) —(+2.3%) 1H24 BAU BERBBR OR th is = AERIS Saar) WA* RiRiae iKA* AERA * AEN EBBAMNAE RA LRA 13 (+59.4%) oP SR Be ree (18 AR) ABR 2S BOC HONG KONG (HOLDINGS) LIMITED. P| (695) (232) 22,796 (+234.8%) (+5.3%) —( ) WH RAM
Slide 14: Deposits and total assets
[te ok HS BL efigtld roadie — FRR 6% — — biathuees) | 2,875,521 2,724,221 CASALE : 57.9% +1SHD SE 15.26% Tee eR ll of Bat OH 2024.12 2025.06 @EMRAMER © SzlatE (CASA) 0 ERPBNE 14
Slide 15: Loans and advances
|\SxRBBSME — B2PARB20% — assert Et: 1,710,380/+2.0% ESSGRHAR ED 680,252 Teste +1.6% ESSEANA EB 594,110 {BA Es 1.7% ESB LUMI 391,859 SRN AR I! +3.5% mh — 44,159 RBBB Ho -5% @ 2024.12 @ 2025.06 15 oP SR Be ree (18 AR) ABR 2S BOC HONG KONG (HOLDINGS) LIMITED. — thinRiat — Tee eR 16.20% e RKbhNe
Slide 16: Net interest income and margin
I3HEKAHER — iFABKAIOAK — 3,784,544 3,580,673 28,929 28,817 a fe +0.4% SI 7% zt a 1H24 1H25 1H24 1H25 e FARKA* e $HERAE "ES EHS MN ALA LAE oP SR Be ree (18 AR) ABR 2S BOC HONG KONG (HOLDINGS) LIMITED. — SABESRBERR — 1H25: 1.54% / -7bp YoY 1.63% 5. 1.55% ~~. 1.53% —O- = Oo A ss 0.73% & 14,787 15,252 1
Slide 17: Non-interest income and fees
ll of Bat OH \FRRKABERE — BFMAB258% — CS.000) 3,563 1,662 1,352 1H24 Oo BEAAKA @ RARRRRG 1,355 1H25 ORR RR ES RBS ARAE oP SR Be ree (18 AR) ABR 2S BOC HONG KONG (HOLDINGS) LIMITED. — RARRRRBMARBIER =_ HAMA +64.1% N BEDE +37.8% RUR +222.8% fast Rit S ARB +18.1% \ fa +6.9% SEKERES +6.6% 7
Slide 18: Operating expenses and cost-to-income
| ai AR hk RIS efigtld roadie — FERERKS — — RARER — 38.3% * gin 133 23 ——*(62) 958,310 35.9% a -__ —_—= zg iS 9, * r) 20.8% 1H24 AS BER WER Hf 1H25 1H24 1H25 BA aR | URS TELBRE: SELBG 2025 -F EMR 18
Slide 19: Asset quality
|JAEHEARUBR — *FREXZERHE — eee 1.97% Os 1.02% 2024.12 2025.06 © 72TH © $Rae TRUBRE: SELES oP SR Be ree (18 AR) ABR 2S BOC HONG KONG (HOLDINGS) LIMITED. — iiRREEaAR — ABér 3,264 643, 2,067 SERRA HARARE eS OD FER mA es—BR e#_—KR e A=RR
Slide 20: Capital and liquidity ratios
~ + a Sif a) ttt 75 — AALHEE _— . ED 25.0 a eo exw MED 25.60% CS (O58 sane 23 69% “Sac S752 @ 2024.12 @ 2025.06 oP SR Be ree (18 AR) ABR 2S BOC HONG KONG (HOLDINGS) LIMITED. — mat rRe =_ 237.19% Oo 216.44% 208.42% ™ =O 140.66% 141.06% 140.01% ° se) 1H24 2H24 1H25 O Fan te eS ee (FEHB) > HEALS AL FHA
Slide 21: Section divider: outlook
“PSR SS (18 Ae) APR AS 5) BOC HONG KONG (HOLDINGS) LIMITED,
Slide 22: Outlook
lk lic Tk oP SR Be ie (18 AR) ABR SB] BOC HONG KONG (HOLDINGS) LIMITED, F ie 2 HEBER +2 hia SBSH ARASH PHASE AR Rae BRSSMSeE RB Ett ‘ AEGIS SE ARE fe} FEGWMR ASE ) SSRAMRSR, ME RAPOstT, SUZ RDA J y ( BR BRMRA, BREA, ER T\ ie ALSRSA GRAD SRB SET SEMMPENBALESR ERE SRT SE TE Bat fe Bh ae RIR BRB BEE AY
Slide 23: Future priorities
Jie Ths hy TH Ly [ES oP SR Be ie (18 AR) ABR SB] BOC HONG KONG (HOLDINGS) LIMITED, lk SE RASBSRKUCES MEA TE EA ee eS qe SETA SIR), HSHUET AERO E BP, HASSHRSap eR LEE lah ee ded \s AGAARSMH, RUBGOMLORE MIEN SE BR ° MEME BRBwS RAERMAR Bea a 6 ° ant PIES aAR, PETERS
Slide 24: 附錄
Slide 25: Financial summary
(|KMEERBEGBEHE ABIAT 28,929 28,817 0.4% PRBARASMKA 6,292 5,000 25.8% RmaRA BU A* 4,801 1,519 216.1% RENMEI N SRSA 40,022 35,336 13.3% Bax (8,310) (8,121) 2.3% EMME NS Al 31,712 27,215 16.5% Wee See (3,318) (2,081) 59.4% SBA 28,394 25,134 13.0% FAP Al 22,796 20,463 11.4% AAT ARR BAA 22,152 20,040 10.
Slide 26: Average balances and yields
IF DREAR EH AER 7a ERT RA HEME ZCARREREM 633,508 2.14% 627,359 1.81% SFRARA HABLA 1,467,450 3.26% 1,280,523 3.92% BPARRA HRA 1,665,456 3.78% 1,662,295 4.81% Rihteae 18,130 4.33% 10,496 5.95% QtRae 3,784,544 3.31% 3,580,673 3.97% RTRAMHSMRECERRER 275,484 1.55% 294,307 2.44% ER, HBRERER 2,774,722 2.37
Slide 27: Net fee and commission income
(RBBRASKA a ee ee ee BESSA AS 1,579 64.1% BRAS 1,355 1,352 0.2% feARRB 1,314 1,229 6.9% RR 1,162 360 222.8% fast Rat SRS 509 431 18.1% Bou 445 323 37.8% ERAS 388 364 6.6% RBA 247 267 -7.5% ERAS 214 216 -0.9% REA 146 143 2.1% 22e8 55 7 223.5% Rite 675 913 -26.1% RBR RASA 8,089 6,577 23.0% ARES Be Aes
Slide 28: Operating income
(|eSen LS AS8A 5,484 5,351 2.5% BERRBRH 756 733 3.1% ERB 1,374 1,436 4.3% Rib@e sw 1,256 1,193, 5.3% ial: SARIS BTA BABY EE BAN (560) (592) -5.4% ER WeB 8,310 8,121 2.3% SHaLRA 15,228 14,910 2.1% 28
Slide 29: Deposits breakdown
|ZFRER pamee0rs0e —| come | BPRRBE 2,875,521 2,724,221 5.6% Ree 1,664,187 1,263,804 31.7% BDA TEaR ERE 339,370 230,347 47.3% eR 1,324,817 1,033,457 28.2% FER, ARM Te 1,205,262 1,449,606 16.9% SHEER 6,072 10,811 43.8% 29
Slide 30: Loans breakdown by industry
ISAaR ASRERMEAR - THAME 680,252 669,434 1.6% BOR 154,183 166,412 13% WERE 92,994 90,844 24% See 24,040 16,140 48.9% BERGE 4,589 3,475 321% HERS 41,506 35,172 18.0% wiede 60,058 54,468 10.3% EMRE 66,613 65,531 17% BRAK 35,201 40,297 712.6% th 201,068 197,095 2.0% ES8GRWAR - BA 594,110 583,967 17% epi
Slide 31: Loan quality by stage
RAR RARRBR DH CRAM BPR 1,654,576 | 38,360 17,444 1,710,380 | 1,624,103 34,322 17,652 1,676,077 ate 1,652,484 17,950 - 1,670,434 | 1,621,815 13,574 a 1,635,389 meet 2,092 20,410 - 22,502 2,288 20,748 - 23,036 RARE - - 17,444 17,444 - - 17,652 17,652 BARE 2,963 - - 2,963 2,154 a a 2,154 ate 2,963 - -
Slide 32: Debt securities investments
)4EGR 77 RR BERRRANARR _ re ame epue | Ho: me | coeRett : sine | “avene | intB BUT. PRB ASANTE Sm aRSS RE 276,797 62,228 121,259 398,056 43,367 441,423 HBF BUT. SHA BSS BUH HWBADRSAOE 66,653 26,723 9,170 75,822 5,800 81,622 op SiR Ae eae Rte ee Po at AY an EM AGR ARO 80,170 22,423 10,865 91,035 29,7
Slide 33: Segment results
pa ith RS EK WE2025F6AR, ASP RMA AMSS — AERRSK — MBPT 7 Of TC, HOLE GIE8.9%; (GS BEPRRbB45%, tLe ROR DR SPERUSBESSRARERPHANI — ARTE Sai Th BS BE th REDRESS , ZEUEB RRA BE BARRA (E86%, RECA RIAL 14% RO PR AM EAh45%, RASS 52% AR ARH .32%, HEE EASE. AR GRE fe 62.4% +3, 297 IC, HL IEI%; (HARP RRI.3%, EA
Slide 34: Business segment performance
\@\ Sa RueeEe = {al A ase RIE = + Y. + 4 1H24 1H25 1H24 1H25 #ainan Bo e Ik} T BS © 2025 b+ SEMA BIS R53% Ap, BEKA +66% RRA SEIA +71% RADERA +40% * Sina AbATERPREGHMEP, “ES. RRA 34 — MhARTARSLRARG — FALb+33% 1H24 1H25 FFABIKA © 20254 EXER BIA BILLIE 33% © UREA SAMAR ASBRHEAIAM, 25 URBAN FP ° SAKE PR
Slide 35: Subsidiary and ratings summary
MiERERA MisRB A Mis BAS [pRABEREE 2025¢ 20246 a ee 33.6% 14,831 11,100 2,178 1,600 14.7% 14.4% — BEHGRHiRH, ARBRREB Riba ARB RRS 56.5% > 2025 Sais ee Ra Ta 17.2%, THiBHES B27 > 2025 HS RO RREBHMIA Thea (w, (a56.5% PHORARTRERREBES, Hibas), MRR BORESE Bee, bese iS I LIE83%, ARS IB CEI LEI57% @ PRA @ R
BOC Hong Kong (Holdings) — H1 2025 Earnings Presentation on 6ix