The earnings call highlighted steady growth and strong performance in key areas like technology and green finance, as well as international expansion. However, challenges such as a narrowing net interest margin and pressure in the retail loan sector were noted. Overall, the bank demonstrated resilience and adaptability in a challenging environment.

Company Guidance

During the 2025 interim results announcement call, ICBC's management highlighted several key metrics reflecting the bank's performance and strategic directions. Total assets reached CNY 52 trillion, with loans surpassing CNY 30 trillion, marking an increase of CNY 1.8 trillion. Deposits from customers climbed to nearly CNY 37 trillion, up by CNY 2.1 trillion. Operating income rose by 1.8% to CNY 409.1 billion, while net profit stood at CNY 168.8 billion. The return on assets (ROA) and return on equity (ROE) were 0.67% and 8.82%, respectively. The cost-to-income ratio was reported at 25.27%, with the net interest margin (NIM) at 1.3%. The capital adequacy ratio (CAR) was 19.54%, and the provision coverage ratio increased to 217.71%, indicating enhanced risk resilience. The non-performing loan (NPL) ratio was 1.33%, while special mention loans accounted for 1.91% of the asset quality. A cash dividend of CNY 109.8 billion was distributed, with expected interim dividends amounting to CNY 50.4 billion. Loans grew by 6.4%, and bond investments increased by 10.2%, with credit structures continually optimizing. Key sectors like technology finance and green finance saw substantial growth, with sci-tech loans up 20% to CNY 6 trillion and green loans rising 16.4% to exceed CNY 6 trillion.

Steady Growth in Operating Results

Total assets reached CNY 52 trillion, loans exceeded CNY 30 trillion, and deposits from customers were nearly CNY 37 trillion. Operating income was CNY 409.1 billion, up by 1.8%.

Solid Financial Performance

Net profit reached CNY 168.8 billion, ROE was 8.82%, and the bank distributed CNY 109.8 billion in cash dividends. Dividend yield for A and H shares was 4.44% and 6.16%.

Strong Growth in Key Areas

Sci-tech loans totaled CNY 6 trillion (up 20%), green loans exceeded CNY 6 trillion (up 16.4%), and loans to core industries of the digital economy were over CNY 1 trillion (up 19.3%).

International Expansion and Diversification

International network reached 69 countries and regions. Overseas total assets were nearly USD 460 billion, contributing 9.5% to pre-tax income.

Industrial & Commercial Bank of China (IDCBY) 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

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IDCBY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.73 / -	0.703	―	―	―
Aug 29, 2025	2025 (Q2)	0.68 / 0.65	0.653	-1.07% (>-0.01)	―
Apr 29, 2025	2025 (Q1)	0.71 / 0.63	0.663	-4.52% (-0.03)	―	―
Mar 28, 2025	2024 (Q4)	0.74 / 0.74	0.719	2.78% (+0.02)	―
Oct 30, 2024	2024 (Q3)	0.71 / 0.70	0.656	7.16% (+0.05)	―
Aug 30, 2024	2024 (Q2)	0.68 / 0.65	0.629	3.82% (+0.02)
Apr 29, 2024	2024 (Q1)	0.75 / 0.66	0.722	-8.17% (-0.06)	―	―
Mar 27, 2024	2023 (Q4)	0.68 / 0.72	0.699	2.86% (+0.02)	―	―
Oct 28, 2023	2023 (Q3)	0.89 / 0.66	0.661	-0.76% (>-0.01)	―
Aug 31, 2023	2023 (Q2)	0.64 / 0.63	0.656	-4.12% (-0.03)	―	―

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

IDCBY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 29, 2025	$14.85	$14.80	-0.34%
Apr 29, 2025	$13.92	$13.82	-0.72%
Mar 28, 2025	$13.94	$13.81	-0.93%
Oct 30, 2024	$11.54	$11.34	-1.73%

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 (IDCBY) report earnings?

Industrial And Commercial Bank Of China (IDCBY) is schdueled to report earning on Oct 27, 2025, TBA (Confirmed).

What is Industrial And Commercial Bank Of China (IDCBY) earnings time?

Industrial And Commercial Bank Of China (IDCBY) 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 IDCBY EPS forecast?

IDCBY EPS forecast for the fiscal quarter 2025 (Q3) is 0.73.

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