Operating Income and Net Profit Growth
ICBC achieved operating income of CNY 611 billion, up 2% year-on-year, and net profit reached CNY 271.9 billion, up 0.5% year-on-year, indicating a recovery trend.
Steady Asset and Customer Growth
Total assets exceeded CNY 52.81 trillion, up 8.2% from the end of last year. Customer loans reached CNY 30.45 trillion, up 7.3%, and customer deposits amounted to CNY 37.3 trillion, up 7.1%.
Improved Risk Control
The NPL ratio stood at 1.33%, down 1 bp from the end of 2024. The provision coverage ratio rose 2.3 percentage points to 217.1%, indicating stable asset quality.
Growth in Fee-Based Income
Fee-based income recorded CNY 19.9 billion, up by 0.6%, driven by growth in wealth management and effective cost containment.
Inclusive Finance Expansion
The balance of inclusive loans reached CNY 3.5 trillion, an increase of nearly CNY 600 billion from the end of last year, representing over 20% growth.