Industrial Bank reports mixed Q3 2025 results, approves dividend and credit facilities

Industrial Bank announced a slight dip in Q3 2025 operating income by 0.78% to 50,776 million yuan, while net interest income increased by 1.38% to 37,204 million yuan. Year-to-date, operating income decreased by 1.82% to 161,234 million yuan, and net profit attributable to shareholders slightly increased by 0.12% to 63,083 million yuan. The bank maintains a non-performing loan ratio of 1.08% and a provision coverage ratio of 227.81%.

The board approved a profit distribution plan for H1 2025, proposing a cash dividend of 0.565 yuan per 10 shares (tax inclusive) from the bank's total ordinary share capital. This distribution amounts to 11,957 million yuan, representing 27.72% of H1 2025 net profit attributable to parent company shareholders.

Additionally, Industrial Bank disclosed a related party transaction with Fujian Investment & Development Group Co., Ltd., extending a credit facility of 13,000 million yuan and non-credit facilities of 29,967 million yuan for three years. This transaction, representing 0.5% to 5% of the bank's net assets, was approved by the board without the participation of related party director Chen Gongxian.