[Domestic Bank Stocks Performance] Several domestic banks cut final dividends, with the largest decrease at 16%. An article to understand the 2025 performance of major domestic bank stocks (updating continuously)

The domestic bank stocks are gradually announcing their full-year results for 2025. Among the four major state-owned domestic banks, Industrial and Commercial Bank of China (01398) and China Construction Bank (00939) were the first to announce their results on Friday (27th). ICBC reported a 2% increase in revenue and a 0.7% increase in net profit, with a final dividend up 3% year-on-year to 16.89 cents RMB. China Merchants Bank’s final dividend is 1.003 RMB, with an annual dividend per share increasing by 0.8% year-on-year to 2.016 RMB.

Several domestic banks have reduced their final dividend per share year-on-year, including China Construction Bank, Bank of Communications (03328), and Postal Savings Bank (01658).

Bank of China (03988) and Agricultural Bank of China (01288) will announce their results next Monday (30th).

Article Directory

				*   					A table showing the dividend distribution of major domestic bank stocks for 2025
					
				*   					A table showing the performance indicators of domestic bank stocks for 2025
					
				*   					ICBC's non-interest income increases by 12%, driving revenue growth
					
				*   					CBC's final dividend decreases by 2%, with the annual payout ratio dropping to 29.9%
					
				*   					CMB's revenue slightly increases by less than 0.1%, net interest income rises by 2%
					
				*   					BCOM's final dividend decreases by 15% year-on-year
					
				*   					Postal Savings Bank's final dividend decreases by 16% year-on-year
					
				*   					CITIC Bank's final dividend is 19.3 cents RMB, increasing by 12% year-on-year
					
		

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A table showing the dividend distribution of major domestic bank stocks for 2025

A table showing the performance indicators of domestic bank stocks for 2025

ICBC’s non-interest income increases by 12%, driving revenue growth

ICBC (01398) announced a full-year net profit of 368.56 billion RMB (the same below) for 2025, up 0.7% year-on-year, with basic earnings per share of 1 RMB, an increase of 2% year-on-year.

ICBC President Liu Jun discussed the outlook for dividends in 2026 during the results announcement: If there is a call from the market to increase the dividend rate, ICBC will certainly respond to the market’s needs.

Revenue for the year was 801.4 billion RMB, up 2%. Among them, net interest income decreased by 0.4% to 635.13 billion RMB; non-interest income increased by 12% to 166.27 billion RMB. Operating expenses rose by 2% year-on-year to 246.87 billion RMB. Credit asset impairment increased by 6% year-on-year to 132.97 billion RMB. Income tax expenses fell by 2% year-on-year to 53.67 billion RMB.

During the period, affected by factors such as the reduction in loan market quoted rates (LPR) and changes in deposit term structures, the net interest yield was 1.28%, down 14 basis points year-on-year. Additionally, the provision coverage ratio was 213.6%, down 1.31 percentage points year-on-year; the loan provision ratio was 2.79%, down 0.08 percentage points.

ICBC’s performance announcement

CCB’s final dividend decreases by 2% year-on-year, with the annual payout ratio dropping to 29.9%

CCB reported a 2% increase in revenue last year, a 1% increase in net profit, and a final dividend per share that decreased by 2% year-on-year to 20.29 cents RMB.

CCB: The decline in net interest margin is expected to narrow further this year.

CCB’s performance announcement

CMB’s revenue slightly increases by less than 0.1%, net interest income rises by 2%

CMB reported a slight increase of 0.05% year-on-year in net operating income for 2025 to 337.27 billion RMB, with net interest income of 215.59 billion RMB, an increase of 2% year-on-year, and non-interest net income of 121.68 billion RMB, a decrease of 3.3%.

CMB’s final dividend is 1.003 RMB, with a quarterly net interest margin increasing by 3 basis points.

CMB’s performance announcement

BCOM’s final dividend decreases by 15% year-on-year

BCOM (03328) reported a 2% increase in full-year profit for 2025, but the final dividend per share decreased by 15% year-on-year to 16.84 cents RMB. The annual dividend is 32.47 cents RMB, a decrease of 14% year-on-year.

BCOM’s performance announcement

Postal Savings Bank’s final dividend decreases by 16% year-on-year

Postal Savings Bank (01658) reported a 1.1% increase in full-year profit for 2025, but the final dividend per share decreased by 16% year-on-year to 9.53 cents RMB. The annual dividend is 21.83 cents RMB, a decrease of 17% year-on-year.

Postal Savings Bank’s performance announcement

CITIC Bank’s final dividend is 19.3 cents RMB, increasing by 12% year-on-year

CITIC Bank reported a net profit of 70.62 billion RMB last year, an increase of 3% year-on-year, with earnings per share of 1.2 RMB, and a final dividend of 19.3 cents (before tax), an increase of 12% year-on-year. Together with the interim dividend, the total annual payout is 0.381 RMB (before tax). CITIC Bank’s net interest income was 144.47 billion RMB, a decrease of 1.5%. The net interest margin was 1.63%, narrowing by 0.14 percentage points; non-interest income was 68.167 billion RMB, an increase of 2.44%. Operating revenue was 212.636 billion RMB, a decrease of 0.28% year-on-year.

CITIC Bank earned 3% more last year; the final dividend increased by 12% to 0.193 RMB, with a current dividend yield of 5.8%.

CITIC Bank’s performance announcement

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