智通财经网·2025-10-30 08:53Core Insights - The Industrial and Commercial Bank of China (ICBC) reported a revenue of 610.97 billion yuan for the first three quarters of 2025, reflecting a year-on-year growth of 1.98% [1] - The net profit attributable to shareholders reached 269.91 billion yuan, with a slight increase of 0.33% year-on-year, and basic earnings per share stood at 0.73 yuan [1] - Net interest income decreased by 0.70% to 473.42 billion yuan, with an annualized net interest margin of 1.28%, down by 15 basis points [1] - Non-interest income grew by 12.40% to 137.55 billion yuan, with net fee and commission income increasing by 0.60% to 90.87 billion yuan [1] - Operating expenses (excluding taxes and surcharges) rose by 3.16% to 162.24 billion yuan, resulting in a cost-to-income ratio of 26.55% [1] Financial Position - As of the end of the reporting period, total assets amounted to 52,813.42 billion yuan, an increase of 8.18% or 399.17 billion yuan from the previous year [2] - Total customer loans and advances (excluding accrued interest) reached 30,451.93 billion yuan, up by 7.33% or 207.97 billion yuan, with domestic branch RMB loans increasing by 7.65% [2] - The structure of loans includes corporate loans of 18,872.81 billion yuan, personal loans of 9,101.55 billion yuan, and discounted bills of 2,477.56 billion yuan [2] - Total liabilities increased by 8.44% to 48,619.64 billion yuan, with customer deposits rising by 7.09% to 37,307.82 billion yuan [2] Asset Quality - The non-performing loan (NPL) balance was 404.84 billion yuan, an increase of 25.38 billion yuan from the previous year, with an NPL ratio of 1.33%, down by 0.01 percentage points [3] - The provision coverage ratio improved to 217.21%, up by 2.30 percentage points [3] - The core Tier 1 capital adequacy ratio was 13.57%, the Tier 1 capital adequacy ratio was 14.80%, and the total capital adequacy ratio was 18.85%, all meeting regulatory requirements [3]