Industrial and Commercial Bank of China Limited Website

Industrial and Commercial Bank of China Limited

SEHK-1398

Company Overview

Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. Its products and services include corporate loans, trade financing, deposit taking activities, corporate wealth management services, custody activities, and various corporate intermediary services. The Personal Banking segment provides financial products and services to individual customers. This segment's products and services comprise personal loans and cards, deposits, and personal wealth management and intermediary services. The Treasury Operations segment is involved in the money market transactions, investment securities, and foreign exchange transactions businesses, as well as in the holding of derivative positions. It also offers e-banking services, investment banking, financial leasing, and insurance services. The company was founded in 1984 and is based in Beijing, the People's Republic of China.

  • Name

    Industrial and Commercial Bank of China Limited

  • CEO

    Lin Liao

  • Website

    www.icbc-ltd.com

  • Sector

    Banks

  • Year Founded

    1984

Company Statistics

Profile

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Margins

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Returns (5Yr Avg)

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Valuation (TTM)

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Valuation (NTM)

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Financial Health

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Growth (CAGR)

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Dividends

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Bulls Say

  • ICBC's interbank liabilities accounted for less than 10% of total funding, some of the lowest among peers.

  • ICBC has a relatively good-quality home loan portfolio. First-home loans account for about 90% of the total home loan portfolio, while the average loan/value ratio was about 60%.

  • ICBC boasts industry-leading operating efficiency despite headwinds from slowing revenue. This is driven by its gigantic scale and technology adoption.

Bears Say

  • Along with other banks, ICBC faces mounting downward pressure in net interest margin due to credit-easing policies to boost the sluggish economy.

  • ICBC's cost/income ratio has been pressured by slowing loan growth and financial technology investment.

  • ICBC's fee income growth has been weaker than peers due to its ongoing restructuring of the wealth-management business and regulatory fee rate cuts.

Source: Morningstar Analysis - Nov 28, 2025
SEHK:1398