Industrial and Commercial Bank of China: Achieve a net profit attributable to the parent of 368.562 billion yuan by 2025, a year-on-year increase of 0.7%

On March 27, Industrial and Commercial Bank of China (ICBC) released its 2025 annual performance announcement. In 2025, the bank recorded net profit attributable to shareholders of the parent company of RMB 368.562 billion, up 0.7% year over year. Net profit was RMB 370.766 billion, which increased by RMB 3.820 billion from the previous year, up 1.0%. The return on average total assets was 0.72%, and the weighted average return on equity was 9.45%. Operating income was RMB 801.395 billion, up 1.9%. Of this, net interest income was RMB 635.126 billion, down 0.4%; non-interest income was RMB 166.269 billion, up 11.8%. Operating expenses were RMB 246.874 billion, up 1.9%, and the cost-to-income ratio was 29.48%. The bank made provisions for asset impairment losses of RMB 134.860 billion, up 6.5%. Income tax expense was RMB 53.669 billion, down 2.2%.

At the end of 2025, ICBC’s total assets were RMB 5.348 trillion, up RMB 466.0 billion from the end of the previous year, an increase of 9.5%. Of this, total customer loans and advances were RMB 3.051 trillion, up RMB 213.0 billion, an increase of 7.5%; investments were RMB 1.691 trillion, up RMB 275.0 billion, an increase of 19.5%. Total liabilities were RMB 4.921 trillion, up RMB 437.0 billion from the end of the previous year, an increase of 9.7%. Customer deposits were RMB 3.731 trillion, up RMB 247.0 billion, an increase of 7.1%.

In terms of asset quality, at the end of 2025, ICBC’s non-performing loans (NPLs) were RMB 399.013 billion, up RMB 19.555 billion. The NPL ratio was 1.31%, down 0.03 percentage points. The provision coverage ratio was 213.60%, down 1.31 percentage points from the end of the previous year; the loan loss provision ratio was 2.79%, down 0.08 percentage points.

(ICBC)

(Editor: Qian Xiaorui)

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