Nan Fang Du Shi Bao·2026-03-30 13:17Core Viewpoint - In 2025, Bank of China reported a revenue of 659.87 billion yuan, a year-on-year increase of 4.28%, and a net profit of 257.94 billion yuan, up 2.18%, continuing the trend of dual growth in revenue and net profit [2][3] Financial Performance - The bank's total assets reached 38.36 trillion yuan by the end of 2025, growing by 9.4% year-on-year, with a non-performing loan ratio decreasing by 0.02 percentage points to 1.23% [2][5] - The net interest income was 440.71 billion yuan, down 1.83% year-on-year, with a net interest margin of 1.26%, a decrease of 0.14 percentage points [3] - Non-interest income rose to 219.16 billion yuan, a 19.21% increase, accounting for 33.21% of total revenue [3] Loan and Deposit Growth - The balance of technology loans exceeded 4.8 trillion yuan, representing over one-third of corporate loans, ranking first among peers [5][6] - Personal consumption loans reached 515.73 billion yuan, growing by 28.35% year-on-year [6] - Total customer loans amounted to 23.45 trillion yuan, an increase of 8.61% from the previous year [5] Asset Quality and Risk Management - The non-performing loan ratio for corporate loans was 1.22%, down 0.04 percentage points, while personal loan non-performing ratio increased to 1.10%, up 0.13 percentage points [8] - The bank's provision coverage ratio stood at 200.37%, remaining stable compared to the previous year [7] Dividend and Shareholder Returns - The bank plans to distribute a cash dividend of 2.263 yuan per 10 shares, totaling 72.92 billion yuan, with a payout ratio of 30% [2][8]