Stable Operating Performance
ICBC maintained stable operations with total assets nearly RMB49 trillion and customer deposits of nearly RMB35 trillion, both maintaining a global lead. Annual operating revenue was RMB786.1 billion, and net profit was RMB366.9 billion, remaining at the forefront of the domestic industry.
Capital Adequacy and Asset Quality
The capital adequacy ratio was 19.39%, an increase of 29 basis points from the beginning of the year, ranking among the top global banks. The NPL ratio was 1.34% with provision coverage at 214.91%.
Dividend Payouts
For the first time, ICBC paid interim dividends, resulting in two dividends per year, with interim dividends amounting to RMB51.1 billion. An additional year-end dividend of RMB58.7 billion was announced.
Growth in Strategic Areas
Customer loans increased by 8.8% year-on-year and the investment balance increased by 20.1%. Green loans exceeded RMB6 trillion, and loans to manufacturing sector exceeded RMB4.4 trillion.
Expansion in Technology and Digital Finance
The mobile banking application MAU exceeded 200 million and the annual transaction volume of open banking exceeded RMB375 trillion. The use of AI and fintech improved risk management efficiency.
International Operations and RMB Internationalization
ICBC's service network covers 49 countries, with pretax profit from overseas institutions exceeding US$3.9 billion, up 21.6%. Cross-border RMB business volume reached RMB9.8 trillion.