Stable Financial Performance: ICBC reported a net profit of RMB 366.9 billion for 2024, maintaining resilience amid challenging market conditions, with an operating revenue of RMB 786.1 billion. The net interest margin (NIM) was 1.42%, and the NPL ratio was 1.34%, indicating stable asset quality and efficient risk management, although the NIM slightly decreased by 19 basis points year-over-year.

Dividend Increases and Financial Returns: The bank declared its first interim dividend of RMB 51.1 billion and plans to distribute a year-end dividend of RMB 58.7 billion, marking a significant increase in total dividends as part of a strategy to enhance shareholder value. This reflects a healthy dividend yield with A shares returning 5.32% and H shares returning 7.49%.

Five Transformations Strategy: ICBC is focusing on five transformations that emphasize intelligent risk control, modern business layout, digital growth, diversified structures, and ecological foundation. These strategies aim to capitalize on the real economy and maintain competitiveness, especially as the bank navigates through a low NIM environment.