Industrial Bank's net profit last year was 77.469 billion, an increase of 0.34%, with a non-performing loan ratio of 1.08%.

On the evening of March 26, Industrial Bank Co., Ltd. (601166.SH) released its annual report for 2025.

During the reporting period, Industrial Bank achieved operating revenue of 212.741 billion yuan, a year-on-year increase of 0.24%. Among this, net interest income reached 148.752 billion yuan, an increase of 0.44% year-on-year. The net profit attributable to shareholders of the parent company was 77.469 billion yuan, an increase of 0.34% year-on-year. The weighted average return on equity was 9.15%, a decrease of 0.74 percentage points year-on-year; the return on total assets was 0.72%, a decrease of 0.03 percentage points year-on-year; and the cost-to-income ratio was 29.56%, an increase of 0.06 percentage points year-on-year.

As of the end of the reporting period, Industrial Bank’s total assets amounted to 11,094.256 billion yuan, an increase of 586.358 billion yuan from the end of the previous year, a growth of 5.58%; among this, loans (excluding accrued interest) increased by 212.328 billion yuan from the end of the previous year, a growth of 3.7%, and net investments of various types increased by 96.405 billion yuan from the end of the previous year, a growth of 2.79%. As of the end of the reporting period, the loan ratio was 62.85%, an increase of 2.85 percentage points from the end of the previous year; the personal loan ratio was 32.33%, a decrease of 2.38 percentage points from the end of the previous year; the bill discount ratio was 4.82%, a decrease of 0.47 percentage points from the end of the previous year. As of the end of the reporting period, total liabilities amounted to 10,180.61 billion yuan, an increase of 566.323 billion yuan from the end of the previous year, a growth of 5.89%.

During the reporting period, Industrial Bank generated a net cash inflow from operating activities of 653.656 billion yuan, compared to a net outflow of 237.258 billion yuan in the same period last year. The main reason was the year-on-year increase in cash received from borrowing from the central bank, interbank deposits, borrowed funds, and cash from selling repurchased financial assets. Cash generated from investment activities was a net inflow of 19.877 billion yuan, compared to a net inflow of 23.438 billion yuan in the same period last year, mainly due to an increase in cash paid for investments year-on-year. Cash generated from financing activities resulted in a net outflow of 397.583 billion yuan, compared to a net inflow of 194.894 billion yuan in the same period last year, mainly due to an increase in cash paid for repaying interbank certificates of deposit year-on-year.

During the reporting period, Industrial Bank achieved net interest income of 148.752 billion yuan, an increase of 6.45 billion yuan year-on-year, a growth of 0.44%. Non-interest net income was 63.989 billion yuan, a decrease of 1.3 billion yuan year-on-year, a decline of 0.2%. As of the end of the reporting period, the balance of non-performing loans was 64.251 billion yuan, an increase of 2.774 billion yuan from the end of the previous year; the non-performing loan ratio was 1.08%, an increase of 0.01 percentage points from the end of the previous year. During the reporting period, a total of 57.622 billion yuan was provisioned for asset impairment losses, with an ending provision-to-loan ratio of 2.47%, a decrease of 0.08 percentage points from the end of the previous year; the provision coverage ratio was 228.41%, a decrease of 9.37 percentage points from the end of the previous year.

During the reporting period, Industrial Bank achieved net income from fees and commissions of 25.891 billion yuan, an increase of 1.795 billion yuan year-on-year, a growth of 7.45%. There is a high correlation between investment income and losses, changes in fair value, and foreign exchange gains and losses, with a consolidated overall profit and loss of 36.61 billion yuan, a year-on-year decrease of 5.52%.

For a wealth of information and precise interpretations, check out the Sina Finance APP.