Bank of Communications reports steady q3 2025 growth

Bank of Communications (BoCom) reported consolidated asset growth of 4.02% to 15,499.783 bn yuan by September 30, 2025, compared to year-end 2024. Total liabilities increased by 3.37% to 14,208.315 bn yuan, while shareholder equity attributable to ordinary shareholders rose by 11.89% to 1,280.369 bn yuan. The group’s operating income for the first nine months of 2025 reached 199.645 bn yuan, a 1.80% year-on-year increase, and net profit attributable to ordinary shareholders grew by 1.90% to 69.994 bn yuan.

The bank maintained stable asset quality, with non-performing loan ratio decreasing by 0.05 percentage points to 1.26% by the end of September 2025. Provision coverage ratio improved by 8.03 percentage points to 209.97%. Customer loans increased by 6.04% to 9,071.428 bn yuan, and customer deposits rose by 5.26% to 9,263.005 bn yuan over the same period.

As of September 30, 2025, the group's capital adequacy ratio stood at 16.13%, with Tier 1 capital adequacy ratio at 12.83% and core Tier 1 capital adequacy ratio at 11.37%, all meeting regulatory requirements. Key shareholders include the Ministry of Finance of the People's Republic of China, HSBC Bank Hong Kong, and National Council for Social Security Fund.