Operating Income Growth
Operating income reached RMB 659.9 billion, up 4.28% year-on-year, reflecting steady top-line expansion despite a challenging environment.
Non‑interest Income Expansion and Mix Shift
Non‑interest income increased 19.21% year‑on‑year, accounting for 33.21% of operating income (up 4.16 ppt YoY), supported by wealth management, custody and trading businesses.
Asset and Liability Growth
Group total assets rose to RMB 38.36 trillion (+9.4% YoY) and total liabilities to ~RMB 35.15 trillion (+9.47% YoY); domestic RMB deposit balances increased by RMB 1.37 trillion and foreign currency deposits grew 15%.
Capital Strengthening
Completed capital replenishment of RMB 165 billion, with capital adequacy ratio (CAR) reaching 18.85% — the highest year‑end level historically for the bank, improving loss‑absorbing capacity.
Asset Quality Remained Strong
NPL ratio was 1.23% (down 0.02 ppt YoY) and watch list ratio ~1.47%; provision coverage reported (group figures later cited ~200.37%), maintaining asset quality at top‑peer levels.
Improved Operating Efficiency and Cost Control
Cost‑to‑income ratio fell 0.93 ppt YoY and operating efficiency further improved; liability interest payout rate improved (down ~37 bps), supporting margin stability.
Solid Global / International Performance
Overseas pretax profit contribution rose to 27.99%; domestic institutions handled international settlement of USD 4.45 trillion (+9.56% YoY); cross‑border e‑commerce settlement reached USD 1.18 trillion (+45.07% YoY).
Growth in Strategic Loan Categories
Domestic RMB loans increased by RMB 1.81 trillion (+9.9% YoY). Technology loan balances rose ~18.78%, green loans +27.83%, inclusive small & micro loans balances +21.32% and account numbers +22.86%.
Wealth, Custody and Client Base Expansion
Total personal clients approached ~554 million; mobile banking monthly active users exceeded 100 million; agency sales of personal wealth products and public mutual funds rose ~11.8% and ~12.73% respectively; custody assets scale increased ~21%.
Digital & Automation Progress
Cloud services exceeded 51,000; deployed 400+ intelligent assistants; enterprise RPA covered >3,600 scenarios; digital RMB pilots and cross‑border e‑commerce connect exceeded RMB 1 trillion annual transaction volume.
Shareholder Returns & Market Recognition
Delivered per share dividend of RMB 0.2310 with payout ratio maintained at 30%; credit rating agencies placed BOC at top peer levels; multi‑year double‑digit return claims and sustained dividend distributions.