Bank of China (03988) shareholders' after-tax profit of 187.482 billion yuan in the first three quarters increased 5.53% year-on-year

According to the Zhitong Finance App, the Bank of China (03988) announced that for the first three quarters of 2026, the Group achieved after-tax profit of 19.232 billion yuan and the Bank's shareholders' after-tax profit of 187.482 billion yuan, an increase of 5.09% and 5.53%, respectively. Average return on total assets (ROA) of 0.67%, weighted average return on net assets (ROE) of 8.70%.

The Group achieved revenue of 526.802 billion yuan, an increase of 34.687 billion yuan over the previous year, an increase of 7.05%. Net interest income was $359.606 billion, an increase of $33.814 billion over the previous year, or 10.38%. Net interest spread 1.27%. Non-interest income was 167.196 billion yuan, an increase of 873 million yuan over the previous year, an increase of 0.52%. Non-interest income accounted for 31.74% of operating income. Among them, the net income and expenditure of handling fees and commissions was 65.639 billion yuan, an increase of 0.07%; the total amount of other non-interest income was 101,557 billion yuan, an increase of 825 million yuan, an increase of 0.82% over the previous year. Operating expenses amounted to $185.799 billion, a year-on-year decrease of 776 million yuan, or 0.42%. The cost-to-revenue ratio is 25.72%. The Group's asset impairment loss was 295.840 billion yuan, an increase of 15.322 billion yuan over the previous year, an increase of 19.03%.

The Group's total non-performing loans amounted to RMB 34.110 billion, with a non-performing loan ratio of 1.22%, down 0.01 percentage points from the end of the previous year. The non-performing loan provision coverage ratio was 198.30%, down 2.07 percentage points from the end of the previous year.