2026-03-30 09:00Financial Performance - Profit attributable to equity holders reached HK$40.121 billion, representing a 4.9% year-on-year increase[7, 62] - Net operating income before impairment allowances grew by 8.1% to HK$77.019 billion[62] - Net fee and commission income rose by 13.9% to HK$11.269 billion, driven by strong growth in wealth management and insurance[45, 62] - Total dividend per share increased by 6.8% to HK$2.125, with the payout ratio rising by 1 percentage point to 56.0%[7, 54, 62] Business Growth and Market Leadership - Customer deposits grew by 7.9% to HK$2.940 trillion, with the CASA ratio reaching 53.4%[38, 62, 66] - Gross advances to customers increased by 2.3% to HK$1.716 trillion[40, 62, 67] - BOC Life standard new premiums surged by 49.5% to HK$25.862 billion, maintaining a 52.1% market share in RMB insurance[82, 89] - Cross-border high-end customer base expanded by 21%, with wealth management income increasing by 40% year-on-year[13, 81] Risk and Capital Management - CET 1 capital ratio improved by 3.99 percentage points to 24.01%[54, 68] - Commercial real-estate (CRE) related loans to corporates decreased by 2.9% to HK$326.5 billion, accounting for 19.0% of total loans[76]