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Industrial and Commercial Bank of China (1398) investor relations material
Industrial and Commercial Bank of China Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Operating income for the first nine months reached RMB610.968 billion, up 1.98% year-on-year, and net profit attributable to equity holders was RMB269.908 billion, up 0.33% year-on-year, reversing the first-half decline and indicating a recovery trend.
Annualized ROA was 0.71% and ROE was 9.3%, both slightly down year-on-year.
The bank continues to focus on digital transformation, intelligent risk control, and diversified operations to drive sustainable growth.
Net interest income decreased by 0.70% to RMB473.416 billion, while non-interest income rose 12.40% to RMB137.552 billion.
Financial highlights
Total assets as of 30 September 2025 were RMB52.813 trillion, up 8.18% from year-end 2024, with strong growth in loans, bond investments, and customer deposits.
Total loans and advances to customers increased 7.33% to RMB30.452 trillion; investments rose 16.33% to RMB16.465 trillion.
Due to customers grew 7.09% to RMB37.308 trillion; shareholders' equity increased 5.18% to RMB4.194 trillion.
NPL ratio was 1.33%, down 0.01 percentage points; provision coverage ratio rose to 217.21%.
Cost-to-income ratio stood at 26.55%, reflecting strong efficiency.
Outlook and guidance
Management expects NIM to stabilize around 1.26% for the full year, with a likely inflection point in the next 1-2 years.
Sustained growth is anticipated as macro policies take effect and market vitality increases.
Interim cash dividend of RMB1.414 per ten shares (pre-tax) proposed for 2025, pending shareholder approval.
Board plans to distribute dividends on preference shares and ordinary shares, maintaining a stable payout policy.
What factors drive NIM inflection point expectation?
Inclusive loan risk outlook given SME challenges
Assess deposit migration to WMP/stock market
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Next Industrial and Commercial Bank of China earnings date
H2 202527 Mar, 2026
Next Industrial and Commercial Bank of China earnings date
H2 202527 Mar, 2026
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Frequently asked questions
Industrial and Commercial Bank of China Limited (ICBC) is a Chinese financial institution providing a comprehensive range of banking and financial services. Its offerings include corporate and personal banking, wealth management, investment banking, and global financial services. ICBC serves a diverse clientele, including individuals, businesses, and institutional clients, and operates both domestically and internationally. The company is headquartered in Beijing, China, and its shares are listed on the Hong Kong Stock Exchange.
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