China Bohai Bank posts modest profit growth, improved cost-to-income ratio in H1 2025

China Bohai Bank Co., Ltd. reported a net profit of RMB3,830 million for the six months ended June 30, 2025, a 3.61% increase year-on-year. Operating income rose by 8.14% to RMB14,215 million, while profit before taxation increased by 11.28% to RMB4,578 million. Basic and diluted earnings per share stood at RMB0.22, up from RMB0.21 in the prior year period. The bank's cost-to-income ratio improved significantly, decreasing by 4.10 percentage points to 32.17%.

Total assets as of June 30, 2025, were RMB1,823,802 million, a slight decrease of 1.09% from the end of the previous year. Gross loans and advances to customers increased by 1.91% to RMB954,421 million, while gross deposits from customers decreased by 4.01% to RMB1,004,184 million. The non-performing loan (NPL) ratio saw a marginal increase of 0.05 percentage points to 1.81%, with the allowance coverage ratio at 159.70%.

The bank's capital adequacy ratios remained robust, with the capital adequacy ratio at 11.24%, Tier 1 capital adequacy ratio at 9.31%, and Core Tier 1 capital adequacy ratio at 8.39%. The total number of retail customers increased by 265,500 to 8,468,100, and the balance of inclusive loans reached RMB56.430 billion, demonstrating continued growth in key business areas.