Bank of China stock: Q3 profit rises 6.36% to 63.888 billion yuan

Published on 11/09/2026 at 09:34 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Bank of China stock enters the week after stronger quarterly earnings. Higher interest income outweighed weaker fee income in the third quarter.

Profit growth meets credit costs

Bank of China increased third-quarter attributable profit while net interest income strengthened.
Fee income remained under pressure as impairment losses rose sharply in the first nine months.
Investors are weighing earnings resilience against asset-quality and credit-cost risks.

Bank of China, CNE1000001Z5, Illustration mit AI erstellt.

Bank of China reported a 6.36 percent year-on-year increase in attributable profit for the third quarter ended September 30, 2026, according to China Labour Bulletin Board. Profit reached 63.888 billion yuan, extending the lender's earnings momentum into the latest reporting period.

The result was supported by stronger interest income. Third-quarter net interest income rose 10.7 percent year on year to 122.873 billion yuan, while net fee and commission income declined by nearly 2 percent to 18.43 billion yuan. The figures point to continued reliance on lending and balance-sheet income as fee-based activity remains more difficult.

Credit costs remain the key risk

For the first nine months, attributable profit increased 5.53 percent year on year to 187.482 billion yuan. Net interest income climbed 10.38 percent to 359.606 billion yuan, while net fee and commission income edged up nearly 0.1 percent to 65.639 billion yuan.

Asset-quality pressure remains an important counterweight to the earnings improvement. Impairment losses on assets reached 95.84 billion yuan in the first nine months, more than 19 percent above the same period a year earlier. Total non-performing loans stood at 304.11 billion yuan, with a non-performing loan ratio of 1.22 percent. The provision coverage ratio was 198.30 percent, lower than at the end of 2025.

Bank of China stock traded at 0.71 euros on Lang & Schwarz at 09:30 CET on Monday, November 9, 2026.

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For investors, the latest figures combine resilient core interest income with weaker fee dynamics and higher credit costs. The next focus will be whether loan growth and margin stability can offset the pressure from impairments and asset quality.

More developments can be followed through more news and analyses on Bank of China stock.