The first joint-stock commercial bank released its 2025 annual performance report, with Industrial Bank achieving growth in both revenue and profit.
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Facing last year's highly challenging business environment, the major joint-stock banks delivered a solid performance.
On the evening of January 21, Industrial Bank released its preliminary 2025 annual performance report. According to the group's preliminary consolidated data, during the reporting period the company achieved operating revenue of 212.741 billion yuan, a year-on-year increase of 0.24%; net profit attributable to the parent company’s shareholders of 77.469 billion yuan, a year-on-year increase of 0.34%; total profit of 89.973 billion yuan, a year-on-year increase of 3.27%. Both revenue and profit achieved positive growth.
“Dual Growth” Has Its Reasons
Industrial Bank explained the reasons for its dual growth in revenue and profit in the report: namely, by "integrating with and serving the new development pattern, nurturing new quality productive forces, and promoting its own high-quality development in the process of serving Chinese-style modernization."
“Deeply digging into the financing needs of the real economy, rationally expanding interest-bearing assets, effectively reducing liability costs, and maintaining stable interest income.”
“Based on customer financial service needs, improving comprehensive service capabilities, exploring the growth potential of non-interest income, and keeping operating efficiency indicators on a stable and positive trend.”
Overall, Industrial Bank has made breakthroughs in three areas in 2025: actively adapting to economic transformation and the trend of developing new quality productive forces; pursuing reasonable revenue growth while actively uncovering potential and controlling costs; and leveraging comprehensive service capabilities to tap into non-interest income and existing customer needs.
Asset Structure Optimization
As of December 31, 2025, Industrial Bank’s total assets reached 11.09 trillion yuan, up 5.57% from the end of the previous year. Among these, total loans stood at 5.95 trillion yuan, up 3.70% from last year; total liabilities reached 10.18 trillion yuan, up 5.88%, and total deposits were 5.93 trillion yuan, up 7.18% from the previous year.
The company stated that during 2025, Industrial Bank effectively responded to changes in the market environment, continuously optimized management strategies, and achieved “overall balance, rational structure, and quality improvement” in asset and liability management. At the same time, it increased loan support to key areas such as technology finance, green finance, and inclusive finance, optimizing asset structure continuously; deepening customer relationships and actively expanding low-cost liabilities to further strengthen liability stability.
Additionally, net assets per share attributable to the parent company's ordinary shareholders were 38.85 yuan, an increase of 5.34% compared to the end of the previous year. Weighted average return on equity was 9.15%, and basic earnings per share were 3.46 yuan. Asset-related indicators maintained steady growth.
Enhanced Ability to Withstand Risks
In terms of asset quality, by the end of the reporting period, Industrial Bank’s non-performing loan balance was 64.251 billion yuan, an increase of 2.774 billion yuan from the end of last year; the non-performing loan ratio was 1.08%, up 0.01 percentage points from last year; provision coverage ratio was 228.41%, down 9.37 percentage points from last year but still at a high level.
The company also stated that in 2025 it further reformed and improved its comprehensive risk management system, adhered to both controlling new risks and promoting the resolution of existing risks, and maintained stable asset quality.
Industrial Bank reminds that the data included in this announcement are preliminary calculations and have not been audited by an accounting firm. Specific final data shall be subject to the company’s 2025 annual report.
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