Cai Jing Wang·2025-10-31 07:16Core Insights - The Industrial and Commercial Bank of China (ICBC) reported a net profit of 271.88 billion yuan for the first three quarters of 2025, reflecting a year-on-year growth of 0.52% [1] - The bank's total assets reached 52.81 trillion yuan, an increase of 3.99 trillion yuan or 8.18% compared to the end of the previous year [1][2] Financial Performance - Net profit attributable to shareholders was 269.91 billion yuan, with a year-on-year increase of 0.33% [1] - Operating income for the first three quarters was 610.97 billion yuan, up 1.98% year-on-year [1] - Net interest income decreased by 0.70% to 473.42 billion yuan, with an annualized net interest margin of 1.28%, down 15 basis points [1] - Non-interest income grew by 12.40% to 137.55 billion yuan, with fee and commission income increasing by 0.60% to 90.87 billion yuan [1] Asset and Loan Growth - Total customer loans and advances (excluding accrued interest) amounted to 30.45 trillion yuan, an increase of 2.08 trillion yuan or 7.33% [1] - Domestic branch RMB loans rose by 2.04 trillion yuan, reflecting a growth of 7.65% [1] - Investment increased by 2.31 trillion yuan to 16.47 trillion yuan, marking a growth of 16.33% [1] Liability and Deposit Structure - Total liabilities reached 48.62 trillion yuan, up 3.79 trillion yuan or 8.44% from the end of the previous year [2] - Customer deposits increased by 2.47 trillion yuan to 37.31 trillion yuan, a growth of 7.09% [2] - The structure of deposits included 22.50 trillion yuan in time deposits and 14.05 trillion yuan in demand deposits [2] Asset Quality and Capital Adequacy - Non-performing loan (NPL) balance stood at 404.84 billion yuan, an increase of 25.38 billion yuan, with an NPL ratio of 1.33%, down 0.01 percentage points [2] - Provision coverage ratio improved to 217.21%, up 2.30 percentage points [2] - Core Tier 1 capital adequacy ratio was 13.57%, Tier 1 capital adequacy ratio was 14.80%, and total capital adequacy ratio was 18.85%, all meeting regulatory requirements [2]