--- title: "State-owned banks' 2025 performance released, ICBC earns 1% more, dividend slightly increased, net interest margin further under pressure" type: "News" locale: "en" url: "https://longbridge.com/en/news/280761457.md" description: "State-owned banks announced their 2025 performance, with ICBC reporting a net profit of CNY 368.56 billion, a year-on-year increase of 0.7%, and a final dividend of CNY 0.1689 per share, up 2.6%. Total revenue was CNY 801.395 billion, with net interest income of CNY 635.126 billion, down 0.4%, and a net interest margin of 1.28%, narrowing by 0.14 percentage points. Bank of Communications reported a net profit of CNY 95.622 billion, a year-on-year increase of 2.2%, with a final dividend of CNY 0.1684, down 14.5%. Total revenue was CNY 265.6 billion, with net interest income of CNY 173.075 billion, up 1.9%, and a net interest margin of 1.2%, narrowing by 0.07 percentage points" datetime: "2026-03-27T09:20:15.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/280761457.md) - [en](https://longbridge.com/en/news/280761457.md) - [zh-HK](https://longbridge.com/zh-HK/news/280761457.md) --- > Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/280761457.md) | [繁體中文](https://longbridge.com/zh-HK/news/280761457.md) # State-owned banks' 2025 performance released, ICBC earns 1% more, dividend slightly increased, net interest margin further under pressure State-owned banks have successively announced their 2025 performance. Industrial and Commercial Bank of China (ICBC) (1398) reported a net profit of RMB 368.56 billion last year, an increase of 0.7% year-on-year. The final dividend per share is RMB 0.1689, an increase of 2.6% year-on-year, with a total annual payout of RMB 0.3103, an increase of 0.7% year-on-year, and a payout ratio of 31%. During the period, ICBC's total revenue was RMB 801.395 billion, of which net interest income was RMB 635.126 billion, a decrease of 0.4%. The net interest margin was 1.28%, narrowing by 0.14 percentage points year-on-year, mainly affected by the adjustment of the Loan Prime Rate (LPR) and changes in the deposit term structure. Net fee and commission income was RMB 111.171 billion, an increase of 1.6%. ## Bank of Communications earns 2% more, but dividends decrease by 14% Bank of Communications (3328) reported a net profit of RMB 95.622 billion last year, an increase of 2.2% year-on-year. The final dividend is RMB 0.1684, a decrease of 14.5%, with a total annual payout of RMB 0.3247, a decrease of 14.3% year-on-year. During the period, Bank of Communications' net operating income was RMB 265.6 billion, an increase of 2.1% year-on-year, of which net interest income was RMB 173.075 billion, an increase of 1.9%, with a net interest margin of 1.2%, narrowing by 0.07 percentage points. Net fee and commission income was RMB 38.183 billion, an increase of 3.4% ### Related Stocks - [WP CSI Banks ETF (512820.CN)](https://longbridge.com/en/quote/512820.CN.md) - [ICBC (01398.HK)](https://longbridge.com/en/quote/01398.HK.md) - [BANKCOMM (03328.HK)](https://longbridge.com/en/quote/03328.HK.md) - [ICBC (601398.CN)](https://longbridge.com/en/quote/601398.CN.md) - [ChinaAMC CSI Banks ETF (515020.CN)](https://longbridge.com/en/quote/515020.CN.md) - [Bank Of Communications (601328.CN)](https://longbridge.com/en/quote/601328.CN.md) - [Huaan CSI Banks ETF (516210.CN)](https://longbridge.com/en/quote/516210.CN.md) - [Hwabao WP CSI Banks ETF (512800.CN)](https://longbridge.com/en/quote/512800.CN.md) - [Fullgoal CSI 800 Banks ETF (159887.CN)](https://longbridge.com/en/quote/159887.CN.md) ## Related News & Research - [Industrial and Commercial Bank of China Files for Singapore Listing of 500 Million Yuan of Bonds](https://longbridge.com/en/news/279531097.md) - [Assessing Bank Of China (SEHK:3988) Valuation After Recent Share Price Momentum](https://longbridge.com/en/news/280011619.md) - [HSBC Issues Senior Notes Due 2036](https://longbridge.com/en/news/280817767.md) - [ING Groep Prices $3 Billion in Callable U.S. Senior Notes Due 2032 and 2037](https://longbridge.com/en/news/280189994.md) - [HSBC Wins Hong Kong Waiver to Issue Extra Contingent Convertible Securities](https://longbridge.com/en/news/280447308.md)