Amid last year's challenging operating environment, steady performance is welcome news. Industrial Bank Co.,Ltd. released its 2025 performance report on the evening of January 21st. According to preliminary consolidated data, the company achieved operating revenue of 212.741 billion yuan during the reporting period, a year-on-year increase of 0.24%. Net profit attributable to shareholders of the parent company reached 77.469 billion yuan, up 0.34% year-on-year. Total profit amounted to 89.973 billion yuan, marking a 3.27% increase, with both revenue and profit showing positive growth.
The dual growth in operations has its "reasons." In its report, Industrial Bank Co.,Ltd. explained the reasons for the simultaneous increase in revenue and profit: the company promoted its own high-quality development by "integrating into and serving the new development paradigm, and by fostering new quality productive forces while serving Chinese modernization." It also "deeply tapped the financing needs of the real economy, achieved reasonable expansion of interest-earning asset scale, effectively reduced liability costs, and maintained stable interest income." Furthermore, by "basing its actions on customer financial service needs, enhancing comprehensive service capabilities, and tapping the growth potential of non-interest income, the operating efficiency indicators maintained a steady and positive trend." Overall, Industrial Bank Co.,Ltd. achieved breakthroughs in three areas in 2025: actively adapting to economic transformation and the development trends of new quality productive forces; pursuing reasonable revenue growth while actively controlling costs; and enhancing comprehensive service capabilities to tap into non-interest income and the needs of existing customers.
Asset growth and structural optimization were evident. As of December 31, 2025, Industrial Bank Co.,Ltd.'s total assets reached 11.09 trillion yuan, an increase of 5.57% from the end of the previous year. Of this, the total loan balance was 5.95 trillion yuan, up 3.70% from the end of the previous year. Total liabilities amounted to 10.18 trillion yuan, an increase of 5.88%, and the total deposit balance was 5.93 trillion yuan, rising by 7.18%. The company stated that during 2025, it effectively responded to changes in the market environment, dynamically optimized management strategies, and achieved a "balanced total amount, reasonable structure, and improved quality" in its assets and liabilities. Concurrently, it increased loan distribution in key areas such as technology finance, green finance, and inclusive finance, leading to continuous optimization of the asset structure. By deepening customer operations and actively expanding low-cost liabilities, the stability of its liabilities was further enhanced. Additionally, net asset value per share attributable to common shareholders of the parent company was 38.85 yuan, an increase of 5.34% from the end of the previous year. The weighted average return on equity was 9.15%, and basic earnings per share were 3.46 yuan. Asset-related indicators maintained steady growth.
The ability to withstand risks was strengthened. Regarding asset quality, as of the end of the reporting period, Industrial Bank Co.,Ltd.'s non-performing loan balance was 64.251 billion yuan, an increase of 2.774 billion yuan from the end of the previous year. The non-performing loan ratio was 1.08%, up 0.01 percentage points from the end of the previous year. The provision coverage ratio was 228.41%, a decrease of 9.37 percentage points, but it continues to remain at a relatively high level. The company also stated that during 2025, it reformed and improved its comprehensive risk management system, adhered to controlling new risks while promoting disposal, and maintained robust asset quality. Industrial Bank Co.,Ltd. noted that the data in the announcement is preliminary and has not been audited by an accounting firm. Specific data are subject to the company's 2025 annual report.
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