ICBC demonstrated a strong and stable performance in 2024 with significant achievements in asset growth, capital adequacy, dividend payouts, and international operations. Despite challenges with a low net interest margin and rising NPLs in retail segments, the overall outlook remains positive, supported by strategic growth areas and technological advancements.

Company Guidance -

Q2 2025

In the 2024 Annual Earnings Call, ICBC provided comprehensive guidance on its financial performance and strategic initiatives. The bank reported total assets nearing RMB49 trillion, with customer loans surpassing RMB28 trillion and deposits close to RMB35 trillion. The annual operating revenue was RMB786.1 billion, and the net profit was RMB366.9 billion, with a net interest margin of 1.42% and a cost-to-income ratio of 29.43%. The capital adequacy ratio was 19.39%, and the NPL ratio stood at 1.34% with provision coverage at 214.91%. ICBC emphasized five transformations focusing on intelligent risk control, modern business layout, digital growth, diversified business structure, and ecological foundation. They reported progress in digital finance with over 200 million MAU for their mobile banking app and a transaction volume of RMB375 trillion in open banking. The bank also highlighted its support for the real economy, technological finance, and private enterprises, aiming for high-quality, sustainable value creation. For 2025, ICBC plans to maintain robust key operating indicators and continue its strategic focus on the five transformations.

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.

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

Daily Earnings Calendar >

IDCBY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 30, 2025	2025 (Q2)	0.67 / -	0.653	―	―	―
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)	―	―
Apr 28, 2023	2023 (Q1)	0.92 / 0.72	0.759	-4.87% (-0.04)	―	―

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
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%
Aug 30, 2024	$11.31	$10.99	-2.83%

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 & Commercial Bank of China (IDCBY) report earnings?

Industrial & Commercial Bank of China (IDCBY) is schdueled to report earning on Aug 30, 2025, TBA (Confirmed).

What is Industrial & Commercial Bank of China (IDCBY) earnings time?

Industrial & Commercial Bank of China (IDCBY) earnings time is at Aug 30, 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 (Q2) is 0.67.

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