* BoC 2016 FY profit falls 3.67 pct
* NIM falls to 1.83 pct in Q4 from 1.85 pct in Q3
* NPL ratio falls to 1.46 pct end-Dec from 1.48 pct end-Sept
(Recasts, adds earnings details, context)
SHANGHAI/BEIJING, March 31 (Reuters) - Bank of China Ltd
(BoC) , the country's fourth-largest lender
by assets, on Friday reported a fall in full-year profit for the
first time in over a decade, the only one of China's "Big Five"
banks to do so.
The most international of China's largest listed state-owned
lenders, BoC follows the other four banks that reported earnings
earlier this week in posting its lowest interest margin since at
least 2011, due to successive central bank interest rate cuts
between 2014 and 2015.
For 2016, net profit fell 3.67 percent to 164.58 billion
yuan ($23.89 billion) from 170.85 billion yuan a year earlier.
The compression in net interest margin - the difference
between interest earned on loans and interest paid out to
depositors - continued in the fourth quarter, falling to 1.83
percent from 1.85 percent at the end of September.
For just the fourth quarter, net profit fell about 24
percent to 29.8 billion yuan, missing analyst estimates of 32
BoC's non-performing loan ratio was 1.46 percent as at the
end of December, from 1.48 percent three months prior.
($1 = 6.8904 Chinese yuan renminbi)
(Reporting by Engen Tham in SHANGHAI and Matthew Miller in
BEIJING; Editing by Christopher Cushing)