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Industrial and Commercial Bank of China (1398) investor relations material
Industrial and Commercial Bank of China H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary29 Aug, 2025
Executive summary
Operating income rose 1.8% year-over-year to RMB409.1 billion, while net profit declined 1.5% to RMB168.8 billion, maintaining industry leadership in total assets, loans, and deposits.
Total assets surpassed RMB52.3 trillion, up 7.2% from year-end 2024, with loans and advances to customers increasing 6.4%.
Asset quality remained stable: NPL ratio at 1.33%, allowance to NPLs at 217.71%, and capital adequacy ratio at 19.54%.
Focused on digital transformation, green finance, and inclusive finance, launching over 100 AI application scenarios.
Supported the real economy through targeted lending, green finance, and technology finance, while advancing internationalization and diversification.
Financial highlights
Net interest income was RMB313.6 billion, down 0.1% year-over-year; net fee and commission income was RMB67.0 billion, down 0.6%.
Non-interest income increased 8.5% to RMB95.5 billion, driven by higher gains on financial investments.
Operating expenses rose 3.2% to RMB108.6 billion; cost-to-income ratio was 25.27%.
Basic and diluted EPS were RMB0.46.
Distributed RMB109.8 billion in cash dividends; interim dividend yield for A shares at 4.4–6.16%.
Outlook and guidance
Will focus on high-quality development, prudent operations, risk prevention, and digital transformation.
Plans to strengthen support for manufacturing, technology, green, and inclusive finance.
Expects to maintain positive growth in operating income and net profit for the full year, aligning with national economic trends.
Anticipates continued moderation in NIM decline, with stable asset quality and robust risk management.
Will further enhance digital capabilities, green finance, and global service network.
How will ICBC sustain NIM stability?
Future plans for AIC Equity Investment?
ICBC's strategy for internationalization?
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Next Industrial and Commercial Bank of China earnings date
Q3 202530 Oct, 2025
Next Industrial and Commercial Bank of China earnings date
Q3 202530 Oct, 2025
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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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