Industrial Bank 0192837465657483920.1601166.SH 0192837465657483920.12025 Net profit attributable to the parent: 77.469 billion yuan, up 0.34% year over year

Industrial Bank Co., Ltd. (601166.SH) disclosed its annual report for 2025. As of the end of 2025, the group’s total assets reached 11.09 trillion yuan, an increase of 5.58% compared to the end of the previous year; operating income was 212.741 billion yuan, a year-on-year increase of 0.24%; net profit attributable to shareholders was 77.469 billion yuan, a year-on-year increase of 0.34%; the non-performing loan ratio was 1.08%, and the provision coverage ratio was 228.41%.

During the reporting period, the company deepened client segmentation in financial services, with the number of corporate clients reaching 1.667 million. The main settlement accounts drove an average daily increase of 57.1 billion yuan in settlement deposits. The “Hundred Clients Attack, Thousand Clients Quality Improvement, Ten Thousand Clients Spread” special marketing campaign achieved significant results. Retail finance accelerated the systematic construction, with the number of retail clients increasing by 4.15% year-on-year to 115 million; relying on digital operations to deepen existing clients, it upgraded the basic clientele to 588,500 platinum and above clients, a year-on-year increase of 17.87%. Interbank finance solidified its main settlement, main custody, main trading, and main investment banking roles, continuously enhancing customer coverage, product usage rate, and revenue growth rate, achieving nearly full coverage of interbank corporate clients in major domestic industries, with the proportion of valuable clients steadily increasing.

In terms of risk prevention and resolution in key areas, the bank continued to leverage leadership oversight and agile task forces, accurately grasping policy windows. The new non-performing loans in public real estate and credit cards decreased by 41.85% and 12.98% year-on-year, respectively, indicating significant risk containment results.

The balances of medium- and long-term loans in technology finance, green finance, inclusive finance, and manufacturing increased by 18.47%, 19.05%, 7.22%, and 14.91%, respectively, compared to the end of the previous year. On the liabilities side, the “Network Weaving Project 3.0” was further advanced, focusing on scenario finance to increase the settlement funds’ retention, resulting in a significant increase in deposit scale, while the deposit interest rate decreased by 33 basis points year-on-year. The proactive reduction of funding costs has created more space for precise asset allocation. On the capital side, various capital tools were coordinated and utilized, with orderly connections between convertible bonds’ conversion, preferred stock redemption, and perpetual bond issuance and redemption, resulting in a core Tier 1 capital adequacy ratio of 9.70% at the end of the year.

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