Bank Of China Limited Class A · SSE:601988
Bank Of China Limited Class A — Bank Of China Ltd Ord — FY2025 Earnings Presentation
19 slides from Bank Of China Limited Class A's earnings presentation, Mar 30, 2026
Slide 1: 2025 Annual Results Release
@ Fat 2025 Annual Results Release 2026.03.30
Slide 2: Forward-looking statements disclaimer
©) + B66 4; BANK OF CHINA This presentation and subsequent discussions may contain forward-looking statements that involve risks and uncertainties. These statements generally use the words "believe", "expect", "anticipate", "estimate", "plan", "forecast", "target", "may", "will" and other forward-lo
Slide 3: Operating Results / Major Business Development / Outlook for Next Stage
© FH ike BANK OF CHINA 01 / Operating Results 02 Major Business Development 03 Outlook for Next Stage
Slide 4: Operating performance achieved steady growth
© Operating performance achieved steady growth RMB milion Operating income +4.28% a 659,866 2024 2025 Profit for the year RMB milion PPOP MB milion +1.57% 403,243 397,001 2024 2025 Profit attributable to equity holders of the Bank RMB million +2.06% 257,936 252,719 2024 2025 +2.18% 243,021 237,841 2
Slide 5: Development resilience significantly enhanced
©) Development resilience significantly enhanced Net interest income RMB million 4ago34 = 440,705 2024 2025 Non-interest income —2vemition 219,161 183,837 2024 2025 > Net interest income stabilised and improved Since mid-2025, the decline in net interest income narrowed quarter by quarter, the yoy g
Slide 6: Assets and liabilities achieved balanced growth
© Assets and liabilities achieved balanced growth Assets RMB bilion Loans RMB bilion +9.40% +8.61% 38,358 23,453 35,061 21,594 2024 2025 2024 2025 Liabilities RMB bilion Deposits RMB bition +9.47% +8.18% 35,150 26,182 32,108 24,203 2024 2025 2024 2025 > Asset structure continued to improve Proportio
Slide 7: Asset quality remained stable and sound
© Asset quality remained stable and sound Key risk indicators eee eee oa NPL ratio 1.25% 1.23% SML ratio 1.47% 1.47% Allowance for loan 200.60% 200.37% impairment losses to NPLs + The Group's NPL ratio maintained a leading position among major peers * The Group's allowance for loan impairment losses
Slide 8: Market recognition and shareholder returns sustained high level
© Market recognition and shareholder returns sustained high level te) Ranked 4th in the Top 1000 Ranked 38" in the Best RMB Clearing Bank in Asia Pacific World Banks Fortune Global 500 Best Private Bank for Global Entrepreneurs and Business Owners in China The Banker Fortune The Asian Banker te) Chi
Slide 9: Major Business Development
© FH ike BANK OF CHINA 01 Operating Results 02 / Major Business Development 03 Outlook for Next Stage
Slide 10: Supported high-quality development of real economy
© Supported high-quality development of real economy e::: up support for major lies, key areas and weak links « Balance of overall manufacturing loan amounted to RMB3.60 trillion, up 17.18% + Balance of medium to long-term manufacturing loan reached RMB1.50 trillion, up 15.28% + Loan balance to stra
Slide 11: Consolidated global business advantages
© Consolidated global business advantages Overseas institutions' contribution increased Overseas institutions maintained a high level of contribution in total assets, operating income and pre-tax profit 22.18% 23.88% 27.99% Contribution to Contribution to ——— ~~ eee ae Overseas commercial banking bu
Slide 12: Supported high-standard opening up
@ Supported high-standard opening up Led the way to help stabilise foreign trade and investment International settlement volume of domestic institutions USD4.45 trillion up 9.56% Scale of cross-border e-commerce settlement exceeded RMB1.18 trillion, up 45.07% Established the first global custodian b
Slide 13: Market competitiveness of key businesses improved
@® Market competitiveness of key businesses improved Customer Base + Number of corporate clients increased by 13.88% + Number of personal customers reached 554 million, up 2.66% + MAU of personal mobile banking services reached 105 million, up 7.11% + Number of credit card customers reached 87.01 mi
Slide 14: Adhere to a balanced approach to development and security
Adhere to a balanced approach to development and security Deeply promoted the development of comprehensive risk management system Firmly safeguarded the bottom line of risk management and compliance Credit risk management Market risk management Internal control and operational risk management Money
Slide 15: Accelerated digital transformation
@® Accelerated digital transformation —@ Ce juously reinforced the technology foundation Strategic project development Steadily advanced 40 technological and strategic projects Project management optimisation Reduced the average project delivery time by 13.4% yoy Infrastructure construction Number o
Slide 16: Embedded sustainability principles into practice
@ Embedded sustainability principles into practice Environment >> Became "bank of choice" for green financial services Improved the "BOC Green+" product and service system and launched dozens of green products and services in five major categories Led Chinese peers in green bond investment and under
Slide 17: Outlook for Next Stage
© FH ike BANK OF CHINA 01 Operating Results 02 Major Business Development 03 / Outlook for Next Stage
Slide 18: Outlook
@® Outlook Delivering high- quality service to real economy Step up support for key sectors while advancing the "five major tasks" Help unlock consumption potential and optimise investment structure Facilitating high-quality opening up Develop service mechanism of "accessing the Bank’s global resour
Slide 19: Thanks!
© Fe BANK OF CHINA Thanks!