Core Insights - The Industrial and Commercial Bank of China (ICBC) reported a revenue of 640.03 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 2.17% [2][3] - Net profit for the same period reached 271.88 billion yuan, with a year-on-year increase of 0.52%, marking a turnaround from a decline in the previous year [2][3] - In Q3 2025, the bank's net profit exceeded 100 billion yuan for the first time, amounting to 103.08 billion yuan, reflecting a year-on-year growth of 3.93% [3] Financial Performance - Revenue growth accelerated compared to the first half of 2025, where it was 1.57%, while net profit growth improved from a decline of 1.46% to a positive figure [3] - The annualized average return on total assets for the first three quarters was 0.71%, and the annualized weighted average return on equity was 9.3%, both showing a decline compared to the previous year [3] - Net interest income was 473.42 billion yuan, down 0.7% year-on-year, with an annualized net interest margin of 1.28%, a decrease of 15 basis points year-on-year, but an improvement from 1.16% in the first half [3] Non-Interest Income - Non-interest income totaled 166.61 billion yuan, up 11.3% year-on-year, with net fee and commission income at 90.87 billion yuan, showing a growth of 0.60% after three consecutive years of negative growth [3][4] - Investment income increased significantly by 56.39% year-on-year to 48.62 billion yuan, while fair value changes resulted in a loss of 4.17 billion yuan, a decline of 64.75% [4] Asset Quality and Capital Adequacy - As of September 30, 2025, total assets reached 52.81 trillion yuan, an increase of 8.18% from the end of the previous year [5] - The non-performing loan ratio was 1.33%, slightly down by 0.01 percentage points from the end of the previous year, while the provision coverage ratio improved to 217.21%, up by 2.3 percentage points [6] - Core Tier 1 capital adequacy ratio stood at 13.57%, with slight declines in various capital adequacy ratios compared to the previous year, but all ratios remained above regulatory requirements [6]

资产质量方面，截至报告期末，按照贷款质量五级分类，工商银行不良贷款余额4048.38亿元，比上年末增加253.80亿元，不良贷款率1.33%，下降0.01个百 分点。 北京商报讯（记者 宋亦桐）10月30日，工商银行发布2025年三季度报告，数据显示，2025年前三季度，该行实现净利润2718.82亿元，同比增长0.52%。年 化平均总资产回报率0.71%，年化加权平均净资产收益率9.30%，分别下降0.07和0.47个百分点。实现营业收入6400.28亿元，同比增长2.17%。利息净收入 4734.16亿元，下降0.70%。 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) reported a year-on-year increase in both revenue and net profit for Q3 2025, indicating stable financial performance [1] Financial Performance - The bank's operating revenue for the third quarter reached 610.968 billion yuan, reflecting a year-on-year growth of 1.98% [1] - The net profit attributable to shareholders of the parent company was 269.908 billion yuan, showing a year-on-year increase of 0.33% [1] Asset Quality - As of September 30, 2025, the non-performing loan (NPL) ratio stood at 1.33%, a decrease of 0.01 percentage points [1] - The provision coverage ratio improved to 217.21%, an increase of 2.30 percentage points [1]

证券代码：601398 证券简称：工商银行 公告编号：临 2025-041 号 中国工商银行股份有限公司 董事会决议公告 本行独立董事对本议案发表如下意见：上述优先股股息分配议案符合相关法 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。 中国工商银行股份有限公司（简称本行）董事会于 2025 年 10 月 30 日在北 京市西城区复兴门内大街 55 号本行总行召开会议。会议应出席董事 13 名，亲自 出席 12 名；委托出席 1 名，段红涛董事委托廖林董事长出席会议并代为行使表 决权。高级管理层成员列席会议。会议的召开符合法律法规、《中国工商银行股 份有限公司章程》（简称《公司章程》）以及《中国工商银行股份有限公司董事 会议事规则》的规定。 会议由廖林董事长主持召开。出席会议的董事审议通过了以下议案： 一、关于 2025 年第三季度报告的议案 议案表决情况：有效表决票 13 票，同意 13 票，反对 0 票，弃权 0 票。 本议案已经本行董事会审计委员会审议通过，全体成员同意提交董事会审 议。 具体内容请见 ...

Core Insights - The core viewpoint of the article is the financial performance of Industrial and Commercial Bank of China (ICBC) for the third quarter of 2025, highlighting modest growth in revenue and net profit along with improvements in asset quality [1] Financial Performance - The bank reported operating income of 610.968 billion yuan, representing a year-on-year increase of 1.98% [1] - The net profit attributable to shareholders of the parent company was 269.908 billion yuan, showing a year-on-year growth of 0.33% [1] Asset Quality - As of the end of September 2025, the non-performing loan ratio stood at 1.33%, a decrease of 0.01 percentage points [1] - The provision coverage ratio was 217.21%, an increase of 2.30 percentage points [1]

Core Insights - The Industrial and Commercial Bank of China (ICBC) reported a net profit of 271.882 billion yuan for the first three quarters of 2025, reflecting a year-on-year growth of 0.52% [1] - The annualized average return on total assets was 0.71%, and the annualized weighted average return on equity was 9.30%, both showing a decline of 0.07 and 0.47 percentage points respectively [1] Financial Performance - Operating revenue reached 640.028 billion yuan, marking a year-on-year increase of 2.17% [1] - Net interest income was 473.416 billion yuan, which represents a decrease of 0.70% [1] - The annualized net interest margin was 1.28%, down by 15 basis points [1] - Non-interest income totaled 166.612 billion yuan, an increase of 11.30%, with net fee and commission income at 90.868 billion yuan, growing by 0.60% [1] - Business and management expenses amounted to 161.592 billion yuan, up by 2.97% [1] - The cost-to-income ratio stood at 25.25% [1] Asset Quality - Provisions for various asset impairment losses were 127.093 billion yuan, a decrease of 1.69% [1] - Loan impairment losses increased by 12.00%, totaling 137.473 billion yuan [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性或完整性亦不發表 任何聲明，並明確表示，概不就因本公告全部或任何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任 何責任。 中國工商銀行股份有限公司 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） 股份代號：1398 中國工商銀行股份有限公司 二〇二五年第三季度報告 中國工商銀行股份有限公司（「本行」）董事會宣佈本行及其子公司（「本集團」）截至2025 年9月30日止第三季度的業績。本公告乃根據《證券及期貨條例》（香港法例第571章）第 XIVA部及《香港聯合交易所有限公司證券上市規則》第13.09條的要求而作出。 重要內容提示： 本行董事會及董事、高級管理人員保證季度報告內容的真實、準確、完整，不存在虛假 記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本行法定代表人廖林、主管財會工作負責人劉珺及財會機構負責人許志勝保證本季度報 告中財務信息的真實、準確、完整。 本季度財務報表未經審計。 1 一、主要財務數據 （一）主要會 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) reported significant improvements in key operating indicators for the first three quarters of the year, attributed to effective measures taken by the bank [1] Group 1: Financial Performance - ICBC's management highlighted that the improvements in operating indicators were a result of a series of effective measures implemented [1] - The bank aims to maintain a good balance between volume and price while optimizing its asset-liability structure [1] Group 2: Future Outlook - The fourth quarter is seen as a critical period for the conclusion of the "14th Five-Year Plan," while next year marks the beginning of the "15th Five-Year Plan" [1] - ICBC anticipates that the release of various economic stimulus measures will positively impact the economy [1] - The bank will continue to focus on exploring new growth drivers in its non-interest income amidst market fluctuations [1]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is adopting a cautious and flexible approach to its bond investment strategy in response to rising interest rates, emphasizing the importance of asset safety and stable returns while optimizing investment strategies for long-term health and risk resilience [1][2]. Group 1: Investment Strategy - ICBC plans to adhere to three main principles for its bond investment: "steady, flexible, and forward-looking" [1]. - The bank will closely monitor macroeconomic policy signals and market sentiment to dynamically optimize the overall scale, variety, and duration of bond investments, balancing current returns with medium- to long-term interest rate risks [1]. - The bank aims to enhance overall investment returns through active trading strategies and precise research on various bond types, optimizing the structure of its investments [1]. Group 2: Market Environment - ICBC anticipates that future market interest rates will exhibit a fluctuating range, influenced by multiple factors, including the central bank's liquidity policies and year-end institutional allocation demands [1]. - The bank emphasizes the need for refined management and scientific grasp of investment rhythm and risk exposure in a complex and changing market environment [2].

段 红 涛 先 生 的 简 历 请 参 见 本 行 刊 载 于 上 海 证 券 交 易 所 网 站 （www.sse.com.cn） 的《中国工商银行股份有限公司 2025 年第一次临时股东大 会会议资料》。 特此公告。 中国工商银行股份有限公司董事会 证券代码：601398 证券简称：工商银行 公告编号：临 2025-040 号 中国工商银行股份有限公司 关于董事任职资格获核准的公告 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。 中国工商银行股份有限公司（简称本行）收到《国家金融监督管理总局关于 段红涛工商银行董事任职资格的批复》。根据有关规定，国家金融监督管理总局 已核准段红涛先生担任本行执行董事的任职资格。段红涛先生担任本行执行董事 的任职已生效。本行欢迎段红涛先生加入本行董事会。 二〇二五年十月三十日 ...