Industrial Bank releases 2025 financial report: total assets exceed 11 trillion yuan, cash dividend payout ratio surpasses 30%

On the evening of March 26, Industrial Bank Co., Ltd. disclosed its 2025 financial report.

The 2025 financial report shows that the company’s total assets exceeded 11 trillion yuan, reaching 11.09 trillion yuan, an increase of 5.58% compared to the end of the previous year. At the same time, the asset structure is accelerating its reshaping, with green finance and technology finance loans both surpassing the 1 trillion yuan mark.

In terms of profitability, Industrial Bank achieved operating income of 212.741 billion yuan in 2025, a year-on-year increase of 0.24%; net profit attributable to shareholders of the parent company was 77.469 billion yuan, up 0.34% year-on-year, demonstrating resilience in its core performance.

Regarding interest income, amid the continuous decline of the LPR, narrowing net interest margin remains a common challenge across the industry. In 2025, Industrial Bank maintained a net interest margin of 1.71%, remaining high within the industry.

In non-interest income, the bank seized the opportunity of the capital market rebound, with major efforts in investment banking, asset management, and wealth management. The net income from fees and commissions for the year was 25.891 billion yuan, an increase of 7.45%, effectively compensating for part of the revenue gap from traditional businesses.

The announcement shows that in 2025, Industrial Bank will distribute ordinary share dividends, with a total cash dividend of 10.66 yuan (including tax) per 10 shares for the full year.

Specifically, in mid-2025, a cash dividend of 5.65 yuan (including tax) per 10 shares will be distributed; at the end of 2025, a cash dividend of 5.01 yuan (including tax) per 10 shares will be distributed. Based on the company’s total ordinary share capital as of December 31, 2025, the planned total cash dividend distribution is 10.603 billion yuan, with a total annual cash dividend of 22.560 billion yuan.

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