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Industrial Bank (601166) investor relations material
Industrial Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Aug, 2025
Executive summary
Total assets reached RMB 10,614.38 billion as of June 30, 2025, up 1.01% from year-end 2024.
Operating income for H1 2025 was RMB 110,458 million, down 2.29% year-over-year.
Net profit attributable to shareholders was RMB 43,141 million, a slight increase of 0.21% year-over-year.
Loan and deposit balances grew 2.91% and 6.10% respectively from year-end 2024.
Financial highlights
Net interest income decreased by 1.52% year-over-year to RMB 73,755 million.
Non-interest income fell 3.80% year-over-year to RMB 36,703 million.
Operating profit rose 3.35% year-over-year to RMB 50,502 million.
Basic EPS was RMB 1.91, down 1.55% year-over-year.
Cash flow from operating activities improved, with net outflow of RMB 77,951 million versus RMB 288,440 million last year.
Outlook and guidance
Focus remains on high-quality growth, digital transformation, and risk management.
Continued emphasis on expanding customer base and optimizing asset structure in both corporate and retail banking.
What drove the 9.24% drop in provision coverage?
What strategies will reverse declining net interest margin?
What caused Xingye International Trust's net loss?
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Next Industrial Bank earnings date
Q3 202531 Oct, 2025
Next Industrial Bank earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Industrial Bank Co., Ltd. is a Chinese commercial bank offering a wide range of financial services to individuals, businesses, and institutions. The bank provides traditional banking products, including deposits, loans, and credit services, as well as wealth management, investment banking, and financial advisory services. Industrial Bank operates extensively across China, focusing on corporate and retail banking, as well as green finance initiatives to support sustainable development. The bank also engages in international banking services to facilitate cross-border trade and investment. The company is headquartered in Fuzhou, China, and its shares are listed on the Shanghai Stock Exchange.
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