Boc Hong Kong (holdings) Limited · HKEX:2388
Boc Hong Kong (holdings) — H1 2026 Earnings Presentation
12 slides from Boc Hong Kong (holdings)'s earnings presentation, Aug 28, 2026
Slide 1: Data Pack 1H2026
BOC HONG KONG (HOLDINGS) LIMITED Data Pack 1H2026 1. Financial Highlights 2. Condensed Consolidated Income Statement 3. Condensed Consolidated Balance Sheet 4. Segmental Reporting 5. Net Interest Income and NIM 6. Net Fee and Commission Income 7. Operating Expenses 8. Deposits from Customers 9. Gros
Slide 2: Financial Highlights
Financial Highlights 30 June 2026 30 June 2025 For the period HK$’m HK$’m Net operating income before impairment allowances 39,903 40,137 Operating profit 28,451 28,403 Profit before taxation 28,772 27,284 Profit for the period 24,356 22,804 Profit attributable to equity holders of the Company 23,73
Slide 3: Condensed Consolidated Income Statement
Condensed Consolidated Income Statement (Restated) (Unaudited) (Unaudited) Half-year ended Half-year ended 30 June 2026 30 June 2025 HK$’m HK$’m Interest income 58,144 62,179 Interest income calculated using the effective interest method 54,516 59,140 Others 3,628 3,039 Interest expense (29,962) (37
Slide 4: Condensed Consolidated Balance Sheet
Condensed Consolidated Balance Sheet (Restated) (Unaudited) (Audited) At 30 June At 31 December 2026 2025 HK$’m HK$’m ASSETS Cash and balances and placements with banks and other financial institutions 570,298 567,599 Financial assets at fair value through profit or loss 324,744 306,069 Derivative f
Slide 5: Segmental Reporting
Revised Segmental reporting Personal Corporate Treasury Insurance Others Subtotal Eliminations Consolidated Half-year ended 30 June 2026 Banking Banking HK$’m HK$’m HK$’m HK$’m HK$’m HK$’m HK$’m HK$’m Net interest (expense)/income - External (1,431) 2,988 21,982 2,885 1,758 28,182 - 28,182 - Inter-s
Slide 6: Net Interest Income and Net Interest Margin
Net Interest Income and Net Interest Margin (Restated) (Restated) Half-year ended Half-year ended Half-year ended HK$’m, except percentages 30 June 2026 31 December 2025 30 June 2025 Interest income 58,144 58,383 62,179 Interest expense (29,962) (30,484) (37,060) Net interest income 28,182 27,899 25
Slide 7: Net Fee and Commission Income
Net Fee and Commission Income (Restated) (Restated) Half-year ended Half-year ended Half-year ended HK$’m 30 June 2026 31 December 2025 30 June 2025 Securities brokerage 1,610 1,711 1,579 Credit card business 1,474 1,446 1,314 Loan commissions 1,378 513 1,355 Insurance 691 829 1,162 Funds distributi
Slide 8: Operating Expenses
Operating Expenses (Restated) (Restated) Half-year ended Half-year ended Half-year ended HK$’m 30 June 2026 31 December 2025 30 June 2025 Staff costs 5,938 6,638 5,546 Premises and equipment expenses 864 866 758 (excluding depreciation and amortisation) Depreciation and amortisation 1,388 1,367 1,37
Slide 9: Deposits from Customers
Deposits from Customers At 30 June At 31 December 2026 2025 HK$’m HK$’m Current, savings and other deposit accounts 3,035,682 2,937,227 (per balance sheet) Structured deposits reported as financial 1,492 6,961 liabilities at fair value through profit or loss 3,037,174 2,944,188 Analysed by: Demand d
Slide 10: Gross Advances to Customers
Gross Advances to Customers At 30 June At 31 December 2026 2025 HK$’m HK$’m Loans for use in Hong Kong Industrial, commercial and financial - Property development 156,874 156,785 - Property investment 94,765 95,904 - Financial concerns 33,667 25,227 - Stockbrokers 4,283 4,362 - Wholesale and retail
Slide 11: Loan Quality
Loan Quality (Restated) At 30 June At 31 December HK$’m, except percentages 2026 2025 Advances to customers 1,818,618 1,717,092 Impaired loan ratio 0.89% 1.14% Total impairment allowances1 20,288 18,759 Total impairment allowances as a percentage of advances to customers 1.12% 1.09% Residential mort
Slide 12: Capital Ratio
Capital Ratio At 30 June At 31 December HK$’m, except percentages 2026 2025 Consolidated capital after deductions Common Equity Tier 1 capital 311,629 295,716 Tier 1 capital 311,629 295,716 Total capital 336,536 319,967 Total risk-weighted assets 1,309,167 1,231,680 Common Equity Tier 1 capital rati
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