Core Viewpoint - The article highlights the proactive approach of the Industrial and Commercial Bank of China (ICBC) in embracing technological advancements, particularly through the integration of the DeepSeek open-source model, to enhance its operational efficiency and maintain growth in a challenging economic environment [1][2][3]. Group 1: Technological Integration - ICBC was the first among its peers to implement the DeepSeek model, focusing on applications in intelligent customer service, code completion, investment research, and risk control [1]. - The bank's commitment to technology is evident in its "Five Transformations" strategy, which includes intelligent risk control and digital empowerment as key components [2][4]. Group 2: Financial Performance - In 2024, ICBC's total assets grew by 9.2% to 48.82 trillion yuan, with a return on assets (ROA) of 0.78% and a return on equity (ROE) of 9.88% [3]. - The bank reported a net profit of 365.86 billion yuan, reflecting a 0.5% increase despite a challenging interest margin environment [3]. Group 3: Investment in Technology - In 2024, ICBC allocated 3.63% of its operating income to financial technology, with 8.6% of its workforce dedicated to tech roles [5]. - The bank's mobile banking platform achieved over 260 million monthly active users, indicating strong customer engagement [5]. Group 4: Risk Management - ICBC's capital adequacy ratio stood at 19.39%, with a non-performing loan ratio of 1.34%, showcasing its robust risk management capabilities [8]. - The bank employs an intelligent risk control framework that enhances its ability to preemptively identify and manage risks [9][10]. Group 5: Future Prospects - The bank is focused on enhancing its technology-driven financial services, with plans to establish more regional technology financial centers and increase investment in tech innovation [12]. - ICBC's stock price has seen significant growth, reflecting investor confidence in its technological advancements and overall strategy [13][14].