Amid last year's challenging operating environment, major joint-stock banks have delivered solid performance figures.
Industrial Bank Co.,Ltd. released its 2025 preliminary results on the evening of January 21. Based on 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 parent company shareholders 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 underlying reasons.
Industrial Bank explained the reasons for the simultaneous increase in revenue and profit in its preliminary report: the company advanced its own high-quality development by "integrating into and serving the new development pattern, and fostering new quality productive forces to serve Chinese modernization."
The bank "deeply tapped into the financing needs of the real economy, achieved reasonable expansion of interest-earning asset scale, effectively reduced liability costs, and maintained stable interest income."
"By focusing on customer financial service needs, enhancing comprehensive service capabilities, and exploring the potential for non-interest income growth, the operating efficiency indicators maintained a steady and positive trend."
Overall, Industrial Bank made 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 exploring potential and controlling costs; and enhancing comprehensive service capabilities to tap into non-interest income and the needs of existing customers.
Asset growth was accompanied by structural optimization.
As of December 31, 2025, Industrial Bank's total assets reached 11.09 trillion yuan, an increase of 5.57% from the end of the previous year. Among these, the total loan balance was 5.95 trillion yuan, up 3.70% from the end of the prior 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, Industrial Bank 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 tech finance, green finance, and inclusive finance, leading to continuous optimization of the asset structure; deepening customer operations and actively expanding low-cost liabilities further enhanced liability stability.
Additionally, net assets per share attributable to common shareholders of the parent company were 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 has been enhanced.
Regarding asset quality, as of 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 the previous year; the non-performing loan ratio was 1.08%, up 0.01 percentage points from the year-end; the provision coverage ratio was 228.41%, down 9.37 percentage points, but remains at a relatively high level.
The company also indicated 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 noted that the data contained in the announcement is preliminary and has not been audited by an accounting firm. The specific data are subject to the company's 2025 annual report.
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