The Bank of East Asia
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The Bank of East Asia (23) investor relations material

The Bank of East Asia H2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H2 2025 earnings summary13 Feb, 2026

Executive summary

  • Profit attributable to owners fell 24.0% year-over-year to HK$3,501 million, with basic EPS at HK$1.22 and return on average equity at 3.1%.

  • Pre-provision operating profit was stable at HK$11,198 million, while non-interest income surged 28% to HK$5,697 million, driven by higher fees and trading income.

  • Net interest income declined 7.3% to HK$15,322 million as NIM narrowed by 19 bps to 1.90%.

  • Operating expenses rose 1.9% to HK$9,821 million, with a cost-to-income ratio of 46.7%.

  • Impairment losses on financial instruments increased 2.6% to HK$5,642 million, with 77% related to commercial real estate (CRE).

  • Valuation losses on investment properties rose to HK$723 million; share of losses from associates and JVs was HK$305 million.

Financial highlights

  • Total operating income grew 0.2% to HK$21,019 million.

  • Gross advances to customers increased 3.1% to HK$549,279 million; total assets rose 4.9% to HK$920,993 million.

  • Customer deposits climbed 9.9% to HK$706,579 million; loan-to-deposit ratio improved to 75.3%.

  • Total equity attributable to owners rose 4.9% to HK$105,335 million.

  • Common Equity Tier 1, Tier 1, and total capital ratios improved to 24.7%, 24.7%, and 28.2%, respectively.

  • Average liquidity coverage ratio for Q4 2025 was 182.8%.

Outlook and guidance

  • Management expects further growth in wealth management and non-interest income, leveraging Hong Kong’s role as a cross-border financial hub.

  • Asset quality is expected to stabilise in 2026, with continued focus on diversifying the asset base and revenue streams.

  • The bank aims to build a resilient, sustainable growth platform over the next three years, supported by a strong balance sheet and capital position.

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Frequently asked questions

The Bank of East Asia Limited (BEA) is a Hong Kong-based financial institution providing a range of banking and financial services to individuals, businesses, and institutions. The bank offers products including personal and corporate banking, wealth management, loans, credit, and trade finance. BEA also provides investment, insurance, and treasury services, catering to customers in Hong Kong, mainland China, and other international markets. Focused on both traditional banking and digital solutions, BEA serves a diverse client base and supports cross-border financial activities. The company is headquartered in Hong Kong, and its shares are listed on the Hong Kong Stock Exchange.

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