Bank of China stock: Q3 profit rises as interest income leads

Bank of China reported stronger third-quarter earnings for the period ended September 30, 2026. Attributable profit rose 6.36 percent year on year to 63.888 billion yuan, extending the lender's earnings momentum into the latest reporting period.

The result was supported by higher interest income. Third-quarter net interest income increased 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 mix points to continued reliance on lending and balance-sheet income as fee-based activity remains under pressure.

Interest income leads earnings

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.

Credit costs remain the main 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. Non-performing loans stood at 304.11 billion yuan, and the non-performing loan ratio was 1.22 percent. The provision coverage ratio was 198.30 percent, below its level at the end of 2025.

Bank of China stock traded at 0.71 euros on Lang & Schwarz at 15:33 CET on Monday, November 9, 2026.

The Shanghai Composite provides the broader mainland Chinese market backdrop for financial stocks.

Investors will focus next on whether loan growth and margin stability can offset rising impairments and pressure on asset quality. More news and analyses on Bank of China stock.