The Industrial and Commercial Bank of China (ICBC), the nation's largest State-owned commercial lender, reinforced the quality of its earnings in 2025, delivering steady growth while strengthening the resilience and sustainability of its profit base.

ICBC reported an operating income of 801.4 billion yuan ($116 billion), up 1.9 percent year-on-year, with net profit rising 1 percent to 370.77 billion yuan.

Notably, ICBC disclosed on Friday that its net interest margin stood at 1.28 percent last year. While this represents a 14-basis-point dip from the beginning of the year, the pace of the decline narrowed quarter by quarter, signaling stabilization.

Net fee and commission income totaled 111.2 billion yuan, up 1.6 percent year-on-year, while other non-interest income reached 55.3 billion yuan, surging 40.7 percent, providing strong support for overall revenue growth.

Meanwhile, its assets and liabilities expanded steadily, and the quality and efficiency of services to the real economy continued to improve, said Liu Jun, vice-chairman and president of ICBC.

By the end of 2025, the bank's total assets reached 53.48 trillion yuan, making it the first bank in the world to surpass the 50 trillion yuan mark. Domestic renminbi loans increased by 2.17 trillion yuan from the beginning of the year to reach 29.2 trillion yuan, representing growth of 8 percent.

At the end of last year, the bank's nonperforming loan ratio stood at 1.31 percent, down 3 basis points from the beginning of the year, marking the fifth consecutive year of decline.

Looking ahead to 2026, Liu emphasized that ICBC will prioritize the expansion of comprehensive financial services, evolving from a traditional capital intermediary into an integrated service provider of capital, information and efficiency to support its goal of becoming a world-class financial institution.

"Our primary goal is to actively expand comprehensive services. This requires our non-commercial banking businesses to act as key pillars, while simultaneously building a modern financial services segment," Liu said at the bank's 2025 annual results briefing on Friday.

Focusing on key areas such as modern industrial systems, technological innovation, green transition and coordinated regional development, ICBC will strengthen synergies across commercial banking, investment banking, asset management, custody, wealth management, trading and settlement, providing clients with comprehensive solutions and transforming its strong supply capabilities into value creation, he said.

The bank will also strengthen global integration, leveraging its international network to further upgrade its global resource allocation capabilities and cross-border financial services. In particular, it will enhance products and services related to RMB internationalization, while extending its RMB trading and pricing advantages to overseas markets, he added.