ICBC reports profit growth, stable asset quality in Q3 2025

Industrial and Commercial Bank of China Limited (ICBC) reported a net profit of RMB271,882 million for the first nine months of 2025, a 0.52% increase year-on-year. Operating income reached RMB610,968 million, up 1.98%. The bank maintained robust asset quality, with a non-performing loan ratio of 1.33%, down 0.01 percentage points from the end of the previous year, and a provision coverage ratio of 217.21%. Total assets grew by 8.18% to RMB52,813,421 million, with customer loans and advances increasing by 7.33% to RMB30,451,929 million.

The bank's capital adequacy remained strong, with a core Tier 1 capital adequacy ratio of 13.57% and a total capital adequacy ratio of 18.85%. ICBC also executed several capital management activities during the period, including the issuance of RMB50,000 million in Tier 2 capital bonds and the redemption of $2,900 million in offshore preference shares and RMB60,000 million in onshore preference shares.

In line with its cash dividend policy, ICBC distributed a 2024 final cash dividend of RMB1.646 per 10 shares to ordinary shareholders. The board also proposed an interim 2025 cash dividend of RMB1.414 per 10 shares.