ICBC demonstrated strong growth in key financial metrics and successfully expanded internationally and in green finance. Despite pressure on interest margins and non-interest income, the bank maintained robust asset quality and delivered record dividends.

Company Guidance

During the call, ICBC provided a comprehensive overview of its 2025 interim results, emphasizing several key metrics. The bank reported total assets of CNY 52 trillion, with loans exceeding CNY 30 trillion, up by CNY 1.8 trillion, and deposits reaching nearly CNY 37 trillion, up by CNY 2.1 trillion. Operating income increased by 1.8% to CNY 409.1 billion, while net profit stood at CNY 168.8 billion, maintaining a leading position. The cost-to-income ratio was 25.27%, and the return on assets (ROA) and return on equity (ROE) were 0.67% and 8.82%, respectively. The bank also highlighted its strong risk management, with a non-performing loan (NPL) ratio of 1.33% and a provision coverage ratio of 217.71%. Additionally, the bank distributed a cash dividend of CNY 109.8 billion, with an expected interim dividend of CNY 50.4 billion. ICBC's focus on strategic sectors was evident in the 20% increase in sci-tech loans and the 16.4% rise in green loans, both leading the peers. The bank's international presence grew, with cross-border RMB settlements reaching CNY 5.1 trillion. The digital finance sector also saw significant growth, with loans to digital economy core industries surpassing CNY 1 trillion, up by 19.3%.

Steady Growth in Key Metrics

ICBC's total assets reached CNY 52 trillion, loans exceeded CNY 30 trillion, and customer deposits were nearly CNY 37 trillion, all leading peers. Operating income was CNY 409.1 billion, up by 1.8%. Net profit reached CNY 168.8 billion.

Strong Performance in Green and Technology Finance

Sci-tech loans totaled CNY 6 trillion, up by 20%, and green loans exceeded CNY 6 trillion, up by 16.4%.

Robust International and Diversification Strategy

ICBC's international network covered 69 countries and regions with total overseas assets of USD 460 billion, contributing to 9.5% of pretax income.

Record High Dividend Payout

ICBC distributed CNY 109.8 billion in cash dividends, the largest in A-share history, with a dividend yield of 4.44% for A shares and 6.16% for H shares.

Asset Quality and Risk Management

NPL ratio was 1.33%, and provision coverage ratio increased to 217.71%, reflecting strong risk resistance capabilities.

Industrial and Commercial Bank of China (HK:1398) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

HK:1398 Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.28 / -	0.273	―	―	―
Aug 29, 2025	2025 (Q2)	0.27 / 0.25	0.251	0.00% (0.00)	―
Apr 29, 2025	2025 (Q1)	0.28 / 0.25	0.262	-4.17% (-0.01)	―	―
Mar 28, 2025	2024 (Q4)	0.30 / 0.30	0.284	3.85% (+0.01)	―
Oct 30, 2024	2024 (Q3)	0.27 / 0.27	0.262	4.17% (+0.01)	―
Aug 30, 2024	2024 (Q2)	0.27 / 0.25	0.251	0.00% (0.00)
Apr 29, 2024	2024 (Q1)	0.30 / 0.26	0.273	-4.00% (-0.01)	―	―
Mar 27, 2024	2023 (Q4)	0.27 / 0.28	0.257	10.64% (+0.03)	―	―
Oct 28, 2023	2023 (Q3)	0.35 / 0.26	0.262	0.00% (0.00)	―
Aug 31, 2023	2023 (Q2)	0.25 / 0.25	0.251	0.00% (0.00)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HK:1398 Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 29, 2025	HK$5.79	HK$5.77	-0.35%
Apr 29, 2025	HK$5.36	HK$5.32	-0.71%
Mar 28, 2025	HK$5.38	HK$5.33	-0.91%
Oct 30, 2024	HK$4.43	HK$4.35	-1.72%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Industrial and Commercial Bank of China Limited Class H (HK:1398) report earnings?

Industrial and Commercial Bank of China Limited Class H (HK:1398) is schdueled to report earning on Oct 27, 2025, TBA (Confirmed).

What is Industrial and Commercial Bank of China Limited Class H (HK:1398) earnings time?

Industrial and Commercial Bank of China Limited Class H (HK:1398) earnings time is at Oct 27, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is the P/E ratio of Industrial and Commercial Bank of China Limited Class H stock?

The P/E ratio of Industrial and Commercial Bank of China is N/A.

What is HK:1398 EPS forecast?

HK:1398 EPS forecast for the fiscal quarter 2025 (Q3) is 0.28.

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