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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Industrial and Commercial Bank of China
Industrial and Commercial Bank of China (1398) investor relations material
Industrial and Commercial Bank of China Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
9M 2026 operating income rose 9.19% YoY to RMB667,137 million; net profit was RMB288,278 million, up 6.03%, with Q3 operating income up 9.45% and profit attributable to equity holders up 9.97%.
Results reflected growth in net interest income and investment gains; NIM was 1.29%, while the NPL ratio declined 2 bps from year-end 2025.
Financial highlights
9M net interest income rose 9.64% to RMB519,054 million; non-interest income increased 7.66% to RMB148,083 million.
Net fee and commission income grew 1.55% to RMB92,280 million; net gains on financial investments rose to RMB46,233 million from RMB28,129 million.
Total assets rose 8.13% from year-end 2025 to RMB57,823,437 million; customer loans grew 5.66% to RMB32,234,230 million and investments increased 12.78% to RMB19,069,019 million.
Customer deposits increased RMB2.44 trillion to over RMB39 trillion, up 6.5%; domestic RMB deposits rose 7.9% YoY by Q3-end.
Basic and diluted EPS were RMB0.78 for 9M, up 6.85% YoY; Q3 EPS was RMB0.30, up 11.11%.
Outlook and guidance
Full-year loan growth is expected at ~6%, with credit expansion balancing volume, structure, returns and risk; fiscal interest subsidies supported over RMB80 billion in equipment-renewal loan disbursements.
With policy rates stable, NIM is expected to find a floor this year; narrowing pressure is expected to increase next year as deposit repricing benefits fade and asset yields decline.
Full-year revenue and net profit momentum is expected to remain favorable; 2027 growth faces a high base for other non-interest income and rising risk costs.
Q4 bond rates are expected to remain broadly range-bound; fiscal deployment, projected government and local government issuance, domestic recovery and external volatility are key factors.
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Latest events from Industrial and Commercial Bank of China
- Net profit up 4.5% to RMB176.5B, assets at RMB57.07T, and interim dividend of RMB53.85B proposed.1398
H1 2026 - Q1 profit rose 3.9%, assets topped RMB55 trillion, and capital strength remained high.1398Q1 2026
- 2025 net profit grew 1.0% to RMB370.8B, with strong asset growth and digital leadership.1398H2 2025
- Year-on-year profit growth, strong asset and deposit growth, and robust capital ratios.1398Q3 2025
- Profit and income fell, but capital and liquidity remain robust after a major bond issuance.1398Q1 2025
- Net profit fell 1.5% to RMB168.8B, but capital and asset quality remained robust.1398H1 2025
- Net profit grew 0.2% with stable asset quality and strong capital ratios.1398Q3 2024
- Net profit fell 2% year-on-year, but asset quality and capital strength improved.1398H1 2024
- Net profit up 0.5% to RMB366.9B; asset quality, capital ratios, and digital growth improved.1398H2 2024
Next Industrial and Commercial Bank of China earnings date
H2 202626 Mar, 2027
Industrial and Commercial Bank of China
Next Industrial and Commercial Bank of China earnings date
H2 202626 Mar, 2027
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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.