Interprétation du rapport annuel de la Banque industrielle et commerciale pour 2025

Industrie Bank Annual Report 2025: steady progress, deepening transformation, more distinctive features, relying on industry finance for development, leveraging technology finance and green finance for特色, enhancing core operations through digital intelligence, opening new spaces via internationalization and综合化。

By the end of 2025, the total assets of Industrie Bank reached 11.09 trillion yuan, an increase of 5.58% compared to the end of the previous year; the annual operating income was 212.741 billion yuan, a year-on-year increase of 0.24%; net profit attributable to the parent was 77.469 billion yuan, up 0.34% year-on-year. Meanwhile, the non-performing loan ratio was 1.08%, and the provision coverage ratio was 228.41%.

Asset quality remains generally stable, with the non-performing rate maintained at a relatively low level of 1.08%. Over the past five years, the non-performing rate has decreased from 1.25% to 1.08%, and the provision coverage ratio has risen from 218.83% to 228.41%.

Industrie Bank has clearly defined the next development keywords as the “Five化” — digital intelligence, green化, internationalization,综合化, and生态化. At the same time, focusing on building a modern industrial system, continuously polishing the “Four Business Cards” of科技金融, green finance, wealth banking, and investment banking, and strengthening comprehensive financial services along the innovation chain, supply chain, equity chain, capital chain, and talent chain.

Specifically, Industrie Bank’s strongest traditional advantages remain green finance and corporate产业金融. By 2025, loans in科技金融 and green finance both surpassed one trillion yuan. The president further disclosed that the balances of科技金融, green finance, inclusive finance, and medium- and long-term manufacturing loans increased by 18.47%, 19.05%, 7.22%, and 14.91% respectively compared to the end of the previous year.

Industrie Bank has always emphasized the “Commercial Bank + Investment Bank” model, defining it as a key strategic approach. Both the large investment bank FPA and the transformation FPA achieved over 7% growth. Key products such as non-financial bonds, offshore bonds underwriting, M&A financing, and syndicate loans continue to lead the industry. Through a combination of “loans + bonds + M&A + syndicates + asset management,” they deepen full-cycle corporate services.

Artificial Intelligence: Industrie Bank’s positioning of AI is quite high. In terms of implementation, their AI is more focused on risk control, approval, data enhancement, and core management processes of banking. They continuously iterate digital risk control models and full-process risk monitoring systems,完善“技术流”专属评价模式;同时积极探索AI应用场景，加快智能尽调、智能审查等重点项目建设，推动智能风控能力提升。

The AI path of Industrie Bank is not about creating flashy front-end interactions but about reshaping the bank’s core. It is more like embedding AI into “商行+投行,”产业金融, risk approval, and data enhancement processes, making operations faster, more accurate, and more replicable. This differs from some banks that emphasize intelligent customer service and digital humans; Industrie Bank’s AI is more inclined towards “产业金融+风险控制.”

Going abroad: focusing on enterprise internationalization,产业链出海, cross-border finance, and transaction banking capabilities, among other things.