ICBC, CCB, BOCOM, and Postal Savings Bank, are the first to announce!

As six major state-owned banks officially enter the 2025 annual performance disclosure period, Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China first released their annual reports on the evening of March 27. All four banks delivered impressive results that demonstrate operational resilience and a balance of quality and efficiency, achieving steady growth in total assets, as well as “double growth” in operating income and net profit.

It is worth mentioning that the four banks simultaneously disclosed generous dividend plans, with the total dividend amount hitting a new record high and the dividend payout ratio remaining stable, fully showcasing the strong operational capabilities of the state-owned banks and their commitment to sharing development results with investors and responsibly rewarding shareholders.

Industrial and Commercial Bank of China

In 2025, Industrial and Commercial Bank of China achieved operating income of 838.27 billion yuan, a year-on-year increase of 2.0%; and a net profit attributable to shareholders of 368.56 billion yuan, a year-on-year increase of 0.7%. As of the end of 2025, the total assets of the Industrial and Commercial Bank reached 53.48 trillion yuan, an increase of 9.5% compared to the end of the previous year. In terms of asset quality, by the end of 2025, the non-performing loan ratio was 1.31%, a decrease of 0.03 percentage points from the end of the previous year; the provision coverage ratio was 213.60%, a decrease of 1.31 percentage points from the end of the previous year.

For the year 2025, Industrial and Commercial Bank of China expects to distribute dividends of approximately 110.6 billion yuan, setting a new historical high, of which 50.4 billion yuan has already been distributed as interim dividends.

China Construction Bank

In 2025, China Construction Bank achieved operating income of 761.05 billion yuan, a year-on-year increase of 1.88%; and a net profit attributable to shareholders of 338.91 billion yuan, a year-on-year increase of 0.99%. As of the end of 2025, the total assets of China Construction Bank reached 45.63 trillion yuan, an increase of 12.47% compared to the end of the previous year. In terms of asset quality, by the end of 2025, the non-performing loan ratio was 1.31%, a decrease of 0.03 percentage points from the end of the previous year; the provision coverage ratio was 233.15%, a decrease of 0.45 percentage points from the end of the previous year.

To share the development results with a wide range of investors, China Construction Bank plans to distribute a cash dividend of 2.029 yuan (including tax) per 10 shares at the end of 2025, with a total dividend amount of approximately 53.079 billion yuan.

Bank of Communications

In 2025, Bank of Communications achieved operating income of 265.07 billion yuan, a year-on-year increase of 2.02%; and a net profit attributable to shareholders of 95.62 billion yuan, a year-on-year increase of 2.18%. As of the end of 2025, the total assets of Bank of Communications exceeded 15.5 trillion yuan, an increase of 4.35% compared to the end of the previous year. In terms of asset quality, by the end of 2025, the non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points from the end of the previous year; the provision coverage ratio was 208.38%, an increase of 6.44 percentage points from the end of the previous year.

According to Bank of Communications’ profit distribution plan for 2025, the bank will base its distribution on the total number of ordinary shares of 88.364 billion shares at the end of the reporting period, distributing a cash dividend of 1.684 yuan (including tax) per 10 shares to ordinary shareholders, for a total cash dividend distribution of 14.88 billion yuan.

Postal Savings Bank of China

In 2025, Postal Savings Bank of China achieved operating income of 355.73 billion yuan, a year-on-year increase of 1.99%; and a net profit attributable to shareholders of 87.40 billion yuan, a year-on-year increase of 1.07%. As of the end of 2025, the total assets of Postal Savings Bank reached 18.68 trillion yuan, an increase of 9.35% compared to the end of the previous year. In terms of asset quality, by the end of 2025, the non-performing loan ratio was 0.95%, an increase of 0.05 percentage points from the end of the previous year; the provision coverage ratio was 227.94%, a decrease of 58.21 percentage points from the end of the previous year.

For the entire year of 2025, Postal Savings Bank plans to distribute a cash dividend of 2.183 yuan (including tax) per 10 shares, totaling 26.217 billion yuan (including tax) in cash dividends.

According to the scheduled reporting of listed banks published by the Shanghai Stock Exchange, Agricultural Bank of China and Bank of China will announce their 2025 performance reports on March 31.

Source: Financial Times Client
From: China Finance News