Stable and Positive Profitability
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, reflecting a recovery trend.
Strong Asset 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 bond investments totaled CNY 16.01 trillion, up 16.2%.
Improved Risk Management
The NPL ratio stood at 1.33%, down 1 basis point from the end of 2024, and the provision coverage ratio rose 2.3 percentage points to 217.1%.
Fee-Based Income Growth
Fee-based income recorded CNY 19.9 billion, up by 0.6%, with significant contributions from wealth management and fundamental service growth.
Inclusive Finance Expansion
Inclusive loans reached CNY 3.5 trillion, representing over 20% growth, with significant support to SMEs and manufacturing firms.