Bank of Communications Co Class H ( (BKFCF) ) has released its Q2 earnings. Here is a breakdown of the information Bank of Communications Co Class H presented to its investors.
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Bank of Communications Co., Ltd., a prominent financial institution in China, operates primarily in the banking sector, offering a range of financial services including corporate and personal banking, investment banking, and asset management. In its latest earnings report for the first half of 2025, the bank reported a modest increase in net profit attributable to shareholders, reaching RMB 46.016 billion, a 1.61% rise from the previous year. The bank’s net interest income also saw a slight increase of 1.20%, amounting to RMB 85.247 billion, despite a challenging economic environment marked by reduced interest rates and competitive pressures.
Key financial metrics highlighted in the report include a 3.59% increase in total assets to RMB 15.435 trillion and a 5.18% rise in loans to customers, reaching RMB 9 trillion. The bank’s non-performing loan ratio improved slightly to 1.28%, while the provision coverage ratio increased to 209.56%. Despite a decrease in net fee and commission income by 2.58%, the bank maintained a stable cost-to-income ratio at 29.94%. The bank also issued significant green and sci-tech innovation bonds, reflecting its strategic focus on sustainable and innovative financial solutions.
The bank’s capital adequacy ratio improved to 16.59%, and the core tier-1 capital adequacy ratio increased to 11.42%, indicating a strong capital position. The leverage ratio also improved to 7.61%, meeting regulatory requirements. The bank’s strategic initiatives, including the issuance of green and sci-tech bonds, align with its focus on supporting sustainable development and technological innovation.
Looking ahead, Bank of Communications aims to continue optimizing its business structure and pricing strategies to navigate the challenging economic landscape. The bank remains committed to enhancing financial services quality and efficiency, supporting major national strategies, and focusing on key areas such as green finance and tech-innovation bonds to drive future growth.