Core Viewpoint - The personal loan non-performing ratio of Industrial and Commercial Bank of China (ICBC) rose to 1.58% by the end of 2025, an increase of 0.43 percentage points from the previous year, attributed to multiple factors affecting the economy and the real estate market [1] Group 1: Loan Quality and Economic Context - ICBC's personal loan asset quality has been relatively strong, but the non-performing ratio has entered an upward trend in line with the overall industry due to economic transformation, real estate market adjustments, and temporary supply-demand imbalances [1] - The bank's vice president, Wang Jingwu, expressed confidence in the long-term stability of the economy, stating that the foundational support and trends for personal loan risks remain positive [1] Group 2: Strategic Adjustments and Risk Management - In response to market changes, ICBC has made internal structural adjustments by establishing a personal credit business department to enhance the specialization and efficiency of personal loan operations [1] - The bank is focusing on digital empowerment and product innovation in the personal consumption sector while balancing development and safety to effectively manage various risk exposures [1] - Efforts in a coordinated three-line defense strategy have contributed to a slowdown in the rising trend of personal loan non-performing ratios [1]

Financial Performance - The total cash dividend for the year is approximately RMB 110.59 billion, with a proposed final cash dividend of RMB 1.689 per 10 shares [19]. - Net profit for 2025 reached RMB 370,766 million, up 1.1% from RMB 366,946 million in 2024 [29]. - Total operating income for 2025 was RMB 838,270 million, an increase of 2.0% from RMB 821,803 million in 2024 [29]. - Net interest income for 2025 was RMB 635,126 million, a decrease of 3.0% from RMB 637,405 million in 2024 [29]. - Operating income exceeded RMB 838.27 billion, with a year-on-year growth in non-interest income of 10.2% [36]. - The effective tax rate decreased by 2.2%, with income tax expenses amounting to 53.67 billion RMB [56]. - The company reported a credit impairment loss of 132.97 billion RMB, which increased by 7.23 billion RMB, or 5.8% [56]. - The average return on total assets was 0.72%, while the weighted average return on equity was 9.45% [55]. Asset and Liability Management - Total assets at the end of 2025 amounted to RMB 53,477,773 million, an increase of 9.4% from RMB 48,821,746 million in 2024 [29]. - Total liabilities amounted to CNY 492,057.49 billion, an increase of CNY 43,712.69 billion or 9.7% from the previous year [108]. - The bank's total liabilities reached CNY 49,205.75 billion, an increase from CNY 44,834.48 billion in the previous year [113]. - The total equity of shareholders amounted to CNY 42,720.24 billion, up CNY 2,847.58 billion or 7.1% from the previous year [120]. Customer Base and Loans - The bank serves over 1.4 million corporate clients and more than 780 million individual clients, showcasing its extensive customer base [2]. - Customer loans and advances totaled RMB 30,506,114 million, up 7.5% from RMB 28,372,229 million in 2024 [29]. - Total loans reached CNY 30,506.11 billion by the end of 2025, an increase of CNY 21,338.85 billion or 7.5% year-over-year [88]. - Personal consumption loans grew by 18.5%, supporting domestic demand [37]. - By the end of 2025, the balance of inclusive small and micro enterprise loans reached CNY 3.6 trillion, with agricultural loans exceeding CNY 5 trillion [128]. Risk Management - The bank emphasizes risk management and has improved its risk control capabilities [2]. - The non-performing loan ratio for 2025 was 1.31%, slightly improved from 1.34% in 2024 [33]. - The capital adequacy ratio for 2025 was 18.76%, down from 19.39% in 2024 [33]. - The bank's core tier 1 capital adequacy ratio for 2025 was 13.57%, a decrease from 14.10% in 2024 [33]. - Non-performing loan ratio improved to 1.31%, a decrease of 3 basis points, with a provision coverage ratio of 213.60% [47]. Digital Transformation and Technology - The bank is focused on digital transformation and financial technology development as part of its strategic goals [6]. - The bank's digital transformation efforts led to a significant increase in monthly active users of mobile banking, achieving the highest level of certification in digital transformation capabilities [39]. - The bank has implemented over 500 AI application scenarios across more than 30 business areas, with AI digital employees contributing the equivalent of 55,000 person-years of work [178]. - The bank's digital business is expected to account for 99% of total operations by 2025, maintaining its position as the best consumer and corporate digital bank in China [184]. Social Responsibility and Community Engagement - The bank's commitment to social responsibility includes support for manufacturing, inclusive finance, and green finance initiatives [2]. - The bank's green loan balance exceeded CNY 6.7 trillion by the end of 2025, maintaining the top position in the industry [128]. - The company actively supports the development of the silver-haired economy by optimizing investment and financing policies for the pension industry [165]. International Operations - Cross-border RMB transactions exceeded CNY 10 trillion annually, reflecting significant growth in international operations [45]. - The company has established 410 overseas institutions in 49 countries and regions, with a service network covering six continents and major international financial centers [199]. - The company processed cross-border remittances amounting to USD 6.481 billion in 2025, enhancing its cross-border financial services [197]. Awards and Recognition - The company has been recognized with multiple awards, including "Best Retail Bank in China" and "Best Digital Wealth Management Platform in Asia Pacific" by various financial publications [149]. - The company received multiple awards, including "Best Large Custodian Bank in China" and "Best Custodian Bank" from The Asian Banker [161]. - The bank has been recognized as the "Best Digital RMB Service Provider in China" by The Asian Banker [185].

Core Viewpoint - In 2025, Industrial and Commercial Bank of China (ICBC) significantly increased its support for the real economy, achieving a record high in new credit and bond investments totaling 4.8 trillion yuan [1] Group 1: Financial Performance - By the end of 2025, ICBC's total assets reached 53.48 trillion yuan, reflecting a year-on-year growth of 9.5% [1] - The bank's operating income for 2025 was 801.395 billion yuan, an increase of 1.9% compared to the previous year [1] - Net profit for 2025 was 370.766 billion yuan, showing a growth of 1.0% year-on-year [1] Group 2: Loan and Investment Highlights - As of the end of 2025, the balance of technology loans was approximately 6 trillion yuan, while loans directed towards the manufacturing sector amounted to 5.24 trillion yuan [1] - Green loan balance exceeded 6.7 trillion yuan, with a total of 125 billion yuan in green financial bonds issued in the domestic interbank market [1] - Agricultural loans surpassed 5 trillion yuan, and inclusive loans reached 3.6 trillion yuan, with a growth rate of nearly 23% [1] - Loans for core digital economy industries exceeded 1 trillion yuan [1] Group 3: Asset Quality and Capital Adequacy - By the end of 2025, ICBC's non-performing loan ratio was 1.31%, a decrease of 0.03 percentage points year-on-year [1] - The capital adequacy ratio stood at 18.76%, and the provision coverage ratio was over 210%, indicating a stable and reasonable level [1]

中国工商银行股份有限公司（以下简称本行）按照会计师 事务所选聘相关规定，经履行决策程序，续聘安永华明会计师 事务所（特殊普通合伙）（以下简称安永华明）为本行 2025 年 度国内会计师事务所，聘请安永会计师事务所（以下简称安永 香港）为本行 2025 年度国际会计师事务所。根据《国有企业、 上市公司选聘会计师事务所管理办法》要求，本行董事会审计 委员会对安永华明和安永香港 2025 年度履职情况进行评估，具 体评估情况如下： 安永华明和安永香港按照审计服务协议约定，遵循中国注 册会计师审计准则、国际审计准则和其他执业规范及中国注册 会计师职业道德守则，已完成 2025 年度各项审计工作，出具了 相关审计报告。 中国工商银行股份有限公司 2025 年度会计师事务所履职情况评估报告 经评估，本行认为安永华明和安永香港担任本行 2025 年度 会计师事务所期间，在财务报表和内部控制审计过程中，能够 保持职业怀疑，客观公允发表审计意见，具备良好的职业操守 和执业水平，专业胜任能力、投资者保护能力和独立性满足本 行审计工作要求。 ...

2025 年度报告摘要 中国工商银行股份有限公司 股票代码：601398 1. 重要提示 本年度报告摘要来自年度报告全文，为全面了解中国工商银行股份有限公司 （以下简称"本行"）的经营成果、财务状况及未来发展规划，投资者应当到上 海证券交易所网站（www.sse.com.cn）及本行网站（www.icbc-ltd.com）仔细阅 读年度报告全文。 本行董事会及董事、高级管理人员保证年度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 2026 年 3 月 27 日，本行董事会审议通过了《2025 年度报告》正文及摘要。 会议应出席董事 13 名，亲自出席 12 名，委托出席 1 名，刘珺副董事长因其他公 务安排，书面委托廖林董事长出席会议并代为行使表决权。 本行按中国会计准则和国际财务报告准则编制的 2025 年度财务报告已经安 永华明会计师事务所（特殊普通合伙）和安永会计师事务所分别根据中国和国际 审计准则审计，并出具标准无保留意见的审计报告。 经 2025 年 11 月 28 日举行的 2025 年第二次临时股东会批准，本行已向截至 2025 年 12 月 ...

关于中国工商银行股份有限公司 2025 年度控股股东及其他关联方 占用资金情况的专项说明 关于中国工商银行股份有限公司 2025年度控股股东及其他关联方占用资金情况的专项说明 安永华明（2026）专字第70008879_A05号 中国工商银行股份有限公司 中国工商银行股份有限公司董事会： 我们审计了中国工商银行股份有限公司（以下简称"贵行"）及其子公司（以下统称"贵 集团"）的2025年度财务报表，包括2025年12月31日的合并及公司资产负债表、2025年度的 合并及公司利润表、股东权益变动表和现金流量表以及相关财务报表附注，并于2026年3月27 日出具了编号为安永华明（2026）审字第70008879_A01号的无保留意见审计报告。 按照《上市公司监管指引第8号——上市公司资金往来、对外担保的监管要求》的要求， 如实编制和对外披露2025年度非经营性资金占用及其他关联资金往来情况汇总表（以下简称 "汇总表"），并确保其真实性、合法性、完整性是贵行的责任。我们对汇总表所载资料与我 们审计贵集团2025年度财务报表时所复核的会计资料和经审计的财务报表的相关内容进行了 核对，在所有重大方面没有发现不一致之处。 ...

中国工商银行股份有限公司 （股票代码：601398） 2025 年度报告 公司简介 中国工商银行成立于 1984 年 1 月 1 日。2005 年 10 月 28 日，本行整体改制 为股份有限公司。2006 年 10 月 27 日，本行成功在上交所和香港联交所同日挂 牌上市。 本行致力于建设中国特色世界一流现代金融机构，拥有优质的客户基础、多 元的业务结构、强劲的创新能力和市场竞争力。本行将服务作为立行之本，坚持 以服务创造价值，向全球超 1,400 万对公客户和超 7.8 亿个人客户提供丰富的金 融产品和优质的金融服务，以自身高质量发展服务经济社会高质量发展。本行自 觉将社会责任融入发展战略和经营管理活动，在服务制造业、发展普惠金融、支 持乡村振兴、发展绿色金融、支持公益事业等方面受到广泛赞誉。 本行始终聚焦主业，坚持服务实体经济的本源，与实体经济共荣共存、共担 风雨、共同成长；始终坚持风险为本，牢牢守住底线，不断提高控制和化解风险 的能力；始终坚持对商业银行经营规律的把握与遵循，致力于成为基业长青的银 行；始终坚持稳中求进、创新求进，持续深化重点发展战略，积极发展金融科技， 加快数智化转型；始终坚持专业专 ...

中国工商银行股份有限公司董事会审计委员会 对会计师事务所履行监督职责情况的报告 根据《国有企业、上市公司选聘会计师事务所管理办法》 《上海证券交易所上市公司自律监管指引第1号——规范运作》 及《中国工商银行股份有限公司章程》等规定，中国工商银行 股份有限公司（以下简称本行）董事会审计委员会对会计师事 务所履行监督职责，具体情况如下： 一、提议聘请 2025 年度会计师事务所 1 进度、审计工作成果的汇报，就审计工作范围、总体审计策略、 重点关注领域、关键审计事项、独立性、沟通机制等进行持续 交流，并督促会计师事务所配备充足的审计人员、持续加强质 量控制和信息安全管理，保障会计师事务所独立性作用的发挥。 三、审阅定期报告 本行董事会审计委员会适时了解外部审计工作开展情况， 定期审阅外部审计报告，督促会计师事务所保持独立性和专业 性，按时保质完成审计工作。 四、会计师事务所履职评估 本行董事会审计委员会对会计师事务所2025年度履职情况 进行综合评价，认为安永华明和安永香港担任本行 2025 年度会 计师事务所期间，在财务报告和内部控制审计过程中，能够坚 持独立性，保持职业怀疑，客观公允发表审计意见。 本行董事会 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2026-009 号 中国工商银行股份有限公司 2025 年度利润分配方案公告 中国工商银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚 假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法 律责任。 重要内容提示： ● 每股分配金额：每股普通股派发末期现金红利人民币 0.1689 元（含税）。 1. 提取法定公积金人民币 355.19 亿元。 2. 提取一般准备人民币 445.86 亿元。 ● 本行拟以 356,406,257,089 股普通股为基数向普通股股东派发 2025 年末 期股息。A 股派息日为 2026 年 5 月 13 日，H 股派息日为 2026 年 6 月 16 日。 ● 本次利润分配方案尚需提交本行股东会审议通过后方可实施。 ● 本行不触及《上海证券交易所股票上市规则》第 9.8.1 条第一款第（八） 项规定的可能被实施其他风险警示的情形。 一、利润分配方案内容 （一）利润分配方案的具体内容 截至 2025 年 12 月 31 日，中国工商银行股份有限公司（简称本行）期末归 属于母公司股东净利润为人民 ...

中国工商银行股份有限公司 内部控制审计报告 2025 年 12 月 31 日 我们的责任是在实施审计工作的基础上，对财务报告内部控制的有效性发表审计 意见，并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、内部控制的固有局限性 内部控制具有固有局限性，存在不能防止和发现错报的可能性。此外，由于情况 的变化可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低，根据内 部控制审计结果推测未来内部控制的有效性具有一定风险。 内部控制审计报告 安永华明（2026）专字第70008879_A04号 中国工商银行股份有限公司 中国工商银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审 计了中国工商银行股份有限公司（以下简称"贵行"）2025年12月31日的财务报告内 部控制的有效性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价 指引》的规定，建立健全和有效实施内部控制，并评价其有效性是企业董事会的责任。 二、注册会计师的责任 四、财务报告内部控制审计意见 我们认为，贵行于2025年12月31日按照《企业 ...