Bank of China (DE:W8VS)
FRANKFURT:W8VS
Earnings Data
Report Date
Aug 28, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.63Last Year’s EPS
0.54Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized broad progress: steady revenue growth (operating income +4.28%), strong diversification into non‑interest income (+19.21%), robust asset and liability expansion, enhanced capital ratio after a RMB 165 billion replenishment, stable/low NPLs (1.23%) and significant global business traction (overseas pretax contribution ~28%). Management acknowledged margin pressure (NIM 1.26%, down ~14 bps) and external/sector risks (real estate transition, geopolitical uncertainty, deposit competition), but laid out clear strategic responses (digital transformation, targeted credit allocation, active liability management and risk controls). Overall the positives — diversified revenue growth, improved efficiency, stronger capital and resilient asset quality — materially outweigh the challenges discussed, though margin and external risks warrant monitoring.Company Guidance
Operating Income and Profitability
Operating income reached about RMB 659.9 billion, up 4.28% year‑on‑year; net profit and net profit attributable to shareholders rose by 2.06% and 2.18% respectively. Cost‑to‑income ratio improved, falling 0.93 percentage points year‑on‑year, and pre‑provision profit growth improved by 2.62 percentage points versus 2024.
Strong Non‑interest Income Diversification
Non‑interest income grew 19.21% year‑on‑year and accounted for 33.21% of operating income (up 4.16 ppt YoY). Net fee and commission income was RMB 82.2 billion (+7.4% YoY); agency wealth management and custody fees saw notable growth (agency fees +26.67%, custody assets +21%).
Asset and Liability Expansion
Group total assets reached RMB 38.36 trillion, up 9.4% year‑on‑year; total liabilities were RMB 35.15 trillion (+9.47%). Domestic RMB loans increased by RMB 1.81 trillion (+9.9%). RMB deposits increased by RMB 1.37 trillion and foreign currency deposits grew 15%.
Capital Strengthened
Completed first batch of capital replenishment of RMB 165 billion; Common Equity Tier 1 / CAR reached 18.85% at year‑end — the highest historical year‑end level — enhancing loss‑absorbing capacity.
Asset Quality Resilience
NPL ratio was 1.23% (down 0.02 ppt from prior year‑end), watch‑list ratio ~1.47%, and provision coverage reported at c.200.37% — asset quality described as stable and among the best versus peers; overseas NPL balances and ratios declined.
Global Business and Opening‑up Contribution
Overseas pretax profit contribution rose to 27.99%. Domestic institutions handled USD 4.45 trillion in international settlement (+9.56% YoY); cross‑border e‑commerce settlement USD 1.18 trillion (+45.07% YoY). Expanded global custody network covering 100+ countries and launched several RMB clearing qualifications overseas.
Support for the Real Economy — Targeted Credit Growth
Strong targeted lending: technology loan balances +18.78% YoY, green loan balance +27.83% YoY, inclusive small and micro enterprise loan balances +21.32% and accounts +22.86% YoY; personal consumption loans +28.35% and personal housing loans > RMB 500 billion.
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 Bank of China at the highest level among Chinese peers in 2025.
Digital Transformation and Operational Efficiency
Accelerated tech adoption: cloud services >51,000, deployed 400+ intelligent assistants, enterprise RPA covered 3,600+ scenarios. Mobile banking monthly active users exceeded 100 million; digital RMB cumulative consumption RMB 27.762 billion; cross‑border e‑commerce connect transactions > RMB 1 trillion.
DE:W8VS 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
DE:W8VS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 29, 2026 | €14.30 | €13.60 | -4.90% |
Mar 30, 2026 | €13.00 | €13.90 | +6.92% |
Oct 28, 2025 | €11.58 | €12.36 | +6.78% |
Aug 29, 2025 | €11.18 | €11.28 | +0.89% |
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 (DE:W8VS) report earnings?
Bank of China (DE:W8VS) is schdueled to report earning on Aug 28, 2026, TBA (Confirmed).
What is Bank of China (DE:W8VS) earnings time?
Bank of China (DE:W8VS) earnings time is at Aug 28, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Bank of China stock?
The P/E ratio of Bank of China is N/A.
What is DE:W8VS EPS forecast?
DE:W8VS EPS forecast for the fiscal quarter 2026 (Q2) is 0.63.