工商银行2025年度报告

股份代號: 1398(於中華人民共和國註冊成立的股份有限公司) 2025年度報告 19841 1200510 2820061027 1,4007.8 1000Brand Finance500 6986909197106106127135140145148149287 4202556781216191921353642454850535456596267 /(Standard Bank Group Limited)2025ICBC Investments ArgentinaInversora DiagonalInversora Diagonal57120231120126 2026327202513121 2025 202511282025202512122025101.414503.962025101.689601.97103.1031,105.93 A 18886-4008058058 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITEDICBC H 18317M852-28628555852-28650990 5510014086-10-6610611486-95588www.icbc.com.cn, www.icbc-ltd.com A601398 333 H 1398 5586-10-6610860886-10-66107420ir@icbc.com.cn 1360011 2360036 Awww.sse.com.cn Hwww.hkexnews.hk 117 1117-18 97927 520 8325 11 % (1)(2)92010(3)(4)(5)(6)(7)(8)(9)(10)20252024202320222021 2025 5053.483,707.668,00011.8%1.83BP503.96601.97 4.856AIC18.5%1215% 22.8%AI+AI5.5(FDMM)GBC+3.2 20255(G-SIBs) 2026 202553.489.5%3,707.668,013.951,111.71 30.57.5%19.4%22.8%19.9%1.36%3625.37 12e1010.1%0.5 1.31%3213.60%18.76% 22.60% 2026 0.5715(LPR)0.1 20252025(GDP)5.0%5.9%3.8%3.7%3.8%(CPI) 2025(M2)340.298.5%442.128.3%271.916.4%328.648.7%88.9811.8%18.4%29.9%7.02882.3% 2025414.799.0%3.501.50%205.21%15.46% 20253,707.6638.201.0%0.72%9.45%8,013.951.9%6,351.260.4%1,662.6911.8%2,468.741.9%29.48%1,348.606.5%536.692.2% 20256,351.2622.790.4%79.3%13,318.31961.176.7%6,967.05938.3811.9%(LPR)1.15%1.28%814 8,389.83989.5510.6%598.2% 3,876.36224.286.1%22.5%42 505.8035.946.6% 546.32159.9622.6% 4,743.63896.7615.9%36 1,467.2199.016.3% 756.2157.398.2% 20251,662.69175.4811.8%20.7%1,111.7117.741.6%550.98157.7440.1% 1,111.7117.741.6%12.29 550.98157.7440.1% 1,329.7372.345.8%1,496.20271.4122.2%18.879.63104.2%14.30. 536.6912.122.2%12.64%25% 2025 GBC+ 2025534,777.7346,560.279.5%305,061.1421,338.857.5%169,074.1527,538.3919.5%36,745.583,516.4710.6% 2025305,061.1421,338.857.5%288,694.9021,739.098.1% 13,594.487.8%4,606.298,988.19 449.160.5%778.1918.5%2,522.3815.0% 20252025169,074.1527,538.3919.5%163,127.0926,677.8719.6% 21,424.8020.6%2,731.0524.9%613.854.4%1,908.1726.3% 25,103.7919.8%785.5712.7%788.5124.4% 2025127,399.1213,702.3013,696.82 5,307.376,794.8056.1% 2025492,057.4943,712.699.7% 2025373,117.7824,748.057.1%8,431.885.4%16,631.099.0%16,743.298.2%8,319.686.1%355,032.6923,568.407.1%18,085.091,179.657.0% 25,363.7610,128.2166.5% 202542,720.242,847.587.1%42,442.592,744.186.9% 21.47. 18,905.3013,113.365,731.9218,828.71 24,175.8256,643.325,852.1780,819.1415,313.31 350.0525,953.804,519.2025,603.758,325.98 3.(1) 5. 20251231 2025 20256120256.720251,2502601+4+X20253.6520255.9(FDMM)20251 2026 (CFS)2025188,416.7113,594.487.8%163,505.938,431.885.4%1,474.59139.73 ²+ ²10 ²( C F S )• ²20255.24 ² 202535,518.636,585.4822.8%258.1349.792.96% ²eeeee ² ²1.5 ²GBCGBC ²(CFS)+ ² ²14044561.2923% ²2.285% ²+ ²1.5530 ²eeee2.5107AI+AIAI800 ²+ ²AIC ²733 ²R E I T s ²3,2492.261301,142ESG2983,8152846255 ²20251,679.9247.313,652202512,248 ²77 ²e2.02.0e2.0 ²10+1AI ²20254.932.8%2025 2025 ²GBC+5+N2.0 ²AI ²PADi ²20257.82202,046.1916,631.099.0%90,026.36449.160.5% ²202525.37 ²91% ²e1903,000 ²AI•ESG ² ² ²1,200AIAI ² ²202513.203,65311.751.456,975.35202518.511.83 ²iiGBC+e + ²202532.7927.12QDII ²304 ²1002025 ²202520,912.40 ² e ²++ ²+2025 ² ² ² ²2025G3 ² ²202515111.6871.22176.0% ² ²263 ² ² ² ² ²60 ² ² ECOS(D-ICBC)AI+ 202520252025(FDMM)62 ² ² ²99.99% (D-ICBC) (D-ICBC) ²2.9eA Ie ²ECOS2 . 0 ²AI+30500AI5.5AI ² ²44 2025285.88 ² ²300 ² ²7 ²GBC++++1.020251,894836 202599% ²+1.02i2.0620256.32.9 ²2025 ²AI ²AI ²2 0 2 54 7 418714187.5%202515,43419,2237 2 , 0 2 647,01739,669 ²+9,300+3,000+100 ²1.02.0 ²1,650 ² ² ² ²2025 ² ² ² ² ²2025 ² ²2025409,7586,55915,439 ² ²202516,24613715,8364103746315,17922134 12FT202510 ²2025ee202564.81 ²(BRBR) ²20254941021302501441,400 ² ² 20254,916.156.4%1,876.311,841.3544.067.3% ICBC InvestmentsArgentinaInversora Diagonal ²22 ²ETF60% 9+X1 ²1.2 ² ²2 0 2 52 7 26532.37 ² ²C919C909 ²202539+ ²202550 2025 ² ²20252IPO37IPO126 ²2+N81318 ²19 ²2025 ²20252025TOP302025 ² ² ²227×24IPOREITs30 •202530 ² 20252.09 (1)5%[2025]228(UBS AG)5%20%80% (2)[2025]257150180330 324,963,46419.74%202536,208.543,124.16566.66 20259+X + + +eAIAI2024 – 2025 2025557,367.1348,563.7550.(a)(i) 2025295,124.4520,938.4596.74%5,946.56204.851.95%0.073,990.13195.551.31%0.03 20252,566.76199.551.36%0.221,423.37395.101.58%0.43 3,646.0615.1%2,842.4311.6%1,838.1323.9%1,594.974.1%935.435.3% 20258,522.748,517.505.24213.60%1.312.79%0.08 4,627.35559.9633,324.28480.49 1,560.27169.413396.06162.28 20254.4%19.4%10,293.133.4% 2025 2025 2025 (VaR) (VaR)50.(c)(i)(VaR) 2025 50.(c)(ii) 2025 2025 2025 2025541.4721,726.1639,965.8323,738.67 2025 202563.2%113.2%80.6% 2025126.35%1.76 2025138.61%10.26 2025 2025113311552025 2025 IT 2025 2025 2025 2025 2025 (EVA) 2025 202411202513.57%14.94%18.76%7.51%1 2025 202628,0007,500500 2025347500