Ge Long Hui A P P·2025-10-30 11:00Core 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]