)
Visual
earnings real time
Industrial and Commercial Bank of China (1398) investor relations material
Industrial and Commercial Bank of China Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Operating income for the first three quarters reached RMB 611 billion, up 2% year-on-year, and net profit was RMB 271.9 billion, up 0.5% year-on-year, reversing the decline from H1 2025.
Total assets surpassed RMB 52.81 trillion, up 8.2% from end-2024; customer loans reached RMB 30.45 trillion, up 7.3%, and deposits RMB 37.3 trillion, up 7.1%.
Maintained strong risk control, with NPL ratio at 1.33%, down 1 basis point from end-2024, and provision coverage ratio at 217.21%.
Annualized ROA at 0.71% and ROE at 9.3%.
Net interest income decreased by 0.70% to RMB 473.42 billion, while non-interest income rose 12.40% to RMB 137.55 billion.
Financial highlights
Net interest margin (NIM) was 1.28% for the first three quarters, down 14–15 basis points year-on-year, but the rate of decline narrowed.
Fee-based income reached RMB 90.9 billion, up 0.6% year-on-year, with trading-related non-interest income up 45.7%.
Cost-to-income ratio stood at 26.55%, reflecting strong operational efficiency.
Domestic subsidiaries' operating income rose 34.5%, increasing their contribution to group income.
Investments rose 16.33% to RMB 16.47 trillion.
Outlook and guidance
Management expects NIM to stabilize around 1.26% for the full year, with further stabilization likely in the next 1–2 years.
Confident in sustaining high-level development and positive growth, leveraging policy support and diversified income drivers.
Fee-based income expected to grow, driven by wealth management, payment services, and industrial finance.
Interim cash dividend of RMB1.414 per ten shares (pre-tax) proposed for 2025, pending shareholder approval.
Board plans to distribute dividends on preference shares and ordinary shares, maintaining a stable payout policy.
What factors drive NIM inflection point expectation?
Inclusive loan risk outlook given SME challenges
Assess deposit migration to WMP/stock market
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Industrial and Commercial Bank of China earnings date
H2 202527 Mar, 2026
Next Industrial and Commercial Bank of China earnings date
H2 202527 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
)
Frequently asked questions
Industrial and Commercial Bank of China Limited (ICBC) is a Chinese financial institution providing a comprehensive range of banking and financial services. Its offerings include corporate and personal banking, wealth management, investment banking, and global financial services. ICBC serves a diverse clientele, including individuals, businesses, and institutional clients, and operates both domestically and internationally. The company is headquartered in Beijing, China, and its shares are listed on the Hong Kong Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage