Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh (SG:HBND)
SGX:HBND
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Earnings Data
Report Date
Aug 28, 2026TBA (Not Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.04Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted multiple positive operational outcomes: steady revenue growth, improved efficiency (lower cost-to-income), robust noninterest income expansion, strengthened capital and risk buffers (RMB 165bn capital replenishment and CAR 18.85%), strong asset growth and very low NPL ratio, plus meaningful digital and globalization progress (overseas profit contribution ~28%, cross-border settlements and RMB internationalization milestones). Lowlights were present but moderate — NIM compression and only modest net profit growth, deposit competition/time-deposit repricing risk, and external geopolitical and sector-specific pressures (real estate, personal loans). Overall, the positive operational and strategic achievements materially outweigh the challenges, though management emphasized vigilance on margins, deposits and external risks.Company Guidance
Operating Income and Profit Growth
Operating income reached RMB 659.9 billion, up 4.28% year-on-year. Net profit and net profit attributable to shareholders grew by 2.06% and 2.18% respectively, with profit growth improving quarter-by-quarter.
Improved Operating Efficiency
Cost-to-income ratio declined by 0.93 percentage points year-on-year and pre-provision profit growth improved by 2.62 percentage points versus 2024, indicating better operating efficiency and margin on core operations.
Strong Noninterest Income Performance
Noninterest income rose 19.21% year-on-year and accounted for 33.21% of operating income (up 4.16 ppt). Total noninterest income was RMB 219.2 billion; net fee and commission income was RMB 82.2 billion, up 7.4%.
Asset and Deposit Expansion
Group total assets grew to RMB 38.36 trillion, up 9.4% year-on-year. Domestic RMB deposits increased by RMB 1.37 trillion and foreign currency deposits grew 15%, supporting liability base expansion.
Capital and Risk Buffer Strengthened
Completed first batch of capital replenishment of RMB 165 billion; Common Equity Tier 1 / CAR reached 18.85% at year-end (highest historical year-end level), improving capital adequacy and risk buffer capability.
Very Strong Asset Quality Metrics
NPL ratio stood at 1.23%, down 0.02 ppt from prior year-end and among the best levels versus peers. Watch-list ratio was stable at 1.47% and provision coverage remained robust (management cited ~200.37%).
Global Business and RMB Internationalization
Overseas pre-tax profit contribution rose to 27.99% (~28%). Domestic institutions handled international settlement of USD 4.45 trillion (+9.56% YoY) and cross-border e-commerce settlement reached USD 1.18 trillion (+45.07% YoY). London and Colombo branches qualified as RMB clearing banks, bringing total clearing banks to 18.
Strong Support for Real Economy and Thematic Lending
Domestic RMB loans increased by RMB 1.81 trillion (+9.9% YoY). Technology loan balances rose ~18.78%, green loan balance +27.83%, inclusive small & micro enterprise loan balances +21.32% and account numbers +22.86%, reflecting targeted credit allocation to strategic areas.
Digital and Automation Progress
Cloud services exceeded 51,000; deployed 400+ intelligent assistants and enterprise RPA covered over 3,600 scenarios (avg ~300,000 automated tasks/month). Mobile banking monthly active users exceeded 100 million; total personal clients ~554 million.
Shareholder Returns and Market Recognition
Completed 2024 year-end and 2025 midterm dividends with per-share dividend RMB 0.2310 and payout ratio maintained at 30%. S&P, Moody’s and Fitch rated BOC at the highest level among Chinese peers in 2025.
Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh (SG:HBND) Earnings, Revenues Date & History
SG:HBND Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SG:HBND Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 29, 2026 | S$0.83 | S$0.85 | +1.80% |
Mar 30, 2026 | S$0.80 | S$0.81 | +0.63% |
Oct 28, 2025 | S$0.72 | S$0.72 | +0.56% |
Aug 29, 2025 | S$0.70 | S$0.69 | -0.72% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh (SG:HBND) report earnings?
Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh (SG:HBND) is schdueled to report earning on Aug 28, 2026, TBA (Not Confirmed).
What is Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh (SG:HBND) earnings time?
Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh (SG:HBND) earnings time is at Aug 28, 2026, TBA (Not Confirmed).
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What companies are reporting earnings today?
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What is the P/E ratio of Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh stock?
The P/E ratio of Bank of China Ltd UnSp Singapore Depositary Receipt Repr 1 Sh is N/A.
What is SG:HBND EPS forecast?
Currently, no data Available