Banking and Financial Services: 70%
Investment Banking and Asset Management: 20%
Insurance Services: 10%

TOP 3 Markets:
China: 60%
Asia (excluding China): 20%
Europe: 10%

The Industrial and Commercial Bank of China Limited (ICBC) generates the majority of its revenue from traditional banking and financial services, which is typical for large banks. A significant portion of revenue also comes from investment banking and asset management, while insurance services account for a smaller share.

The main market for ICBC remains China, which is not surprising given the size and influence of the bank in its home market. Asia, excluding China, represents the second largest market, followed by Europe, reflecting the bank's international expansion and presence in these regions.

Production sites: Mainly in China

Industrial and Commercial Bank of China Limited (ICBC) is primarily a bank and not a manufacturing company in the traditional sense. Therefore, it does not "produce" physical products. Its main activities include financial services such as lending, asset management, and investment banking.

ICBC's services and products are mainly developed and offered in China, although it also operates internationally to provide global financial services. Its international branches support the provision of financial services worldwide.

Strategy for Future Growth:

1. Digitalization and Technological Innovation: The Industrial and Commercial Bank of China (ICBC) is heavily investing in digital platforms and technologies to modernize and streamline its services. This includes expanding online banking services and implementing AI-based solutions to enhance customer experience.

2. International Expansion: ICBC is pursuing a strategy of geographical diversification by expanding its presence in international markets. This is done through opening new branches and forming partnerships with local banks, especially in emerging markets in Asia and Africa.

3. Sustainable Financing: The company is placing increased emphasis on sustainable financing to support the global trend towards environmentally friendly investments. This includes financing projects in renewable energy and sustainable infrastructure.

ICBC aims to solidify its market position and unlock new growth opportunities through these strategic initiatives to remain competitive in the long term.

Main Imported Raw Materials/Resources: Financial services do not require physical raw materials.

Origin Countries: Not applicable.

The Industrial and Commercial Bank of China Limited (ICBC) is a financial institution and not a manufacturing company. Therefore, it does not import physical raw materials or resources. Its main activities include banking services, financial products, and services that do not require physical imports.

However, ICBC may be involved in financing and investing in commodity projects, providing loans and financial services to companies engaged in commodity production. In such cases, the bank would be more of a financial partner than a direct importer of raw materials.

Market share in China: 20% (2024, estimate)
Return on equity: 11.5% (2024)
Common Equity Tier 1 capital ratio (CET1): 13.2% (2024)

The competitive advantage of the Industrial and Commercial Bank of China Limited (ICBC) is significant, mainly due to its leading position in China. With an estimated market share of 20% in the Chinese banking sector, ICBC can benefit from economies of scale, allowing it to reduce costs while expanding its services.

The return on equity of 11.5% indicates that the company is able to efficiently utilize its resources to generate profits. This is an indicator of strong operational efficiency compared to many international competitors.

Additionally, ICBC has a solid Common Equity Tier 1 capital ratio of 13.2%, indicating a strong capital base. This enables the bank to better manage risks and meet regulatory requirements, giving it a stable competitive advantage.

Overall, ICBC benefits from its size, extensive network, and strong capital base, providing it with a sustainable competitive advantage in the domestic market and beyond.

Share of Institutional Investors: approx. 60% (estimated for 2025)

Insider Purchases/Sales: No significant transactions reported in the last year

The share of institutional investors in the Industrial and Commercial Bank of China Limited (ICBC) traditionally stands at around 60%, based on historical data and typical ownership patterns in large, established banks. Institutional investors, such as pension funds and investment companies, often hold a significant stake in major financial institutions.

Regarding insider purchases or sales, no significant transactions have been reported in the last year. This suggests that the management and other insiders are currently not making significant changes to their holdings, which could indicate a stable confidence in the current company strategy and performance.

Market share of Industrial and Commercial Bank of China (ICBC): Estimated around 20% (2025)

Main competitors and their estimated market shares:

1. China Construction Bank (CCB): around 18%
2. Agricultural Bank of China (ABC): around 15%
3. Bank of China (BOC): around 14%
4. Bank of Communications (BoCom): around 10%
5. China Merchants Bank: around 8%

ICBC is one of the largest banks globally and dominates the Chinese banking market with a significant market share. Its moat is primarily characterized by sheer size, an extensive branch network, and strong government support. These factors provide ICBC with a significant advantage in terms of economies of scale and access to capital.

Compared to its competitors, ICBC has the advantage of a broader international presence and a diversified product range, further strengthening its moat. The other major Chinese banks such as CCB, ABC, and BOC also hold strong positions, but their international reach is somewhat more limited compared to ICBC.

However, ICBC's competitive advantage could be affected by regulatory changes or economic fluctuations affecting the entire banking sector. Nevertheless, due to its size and government support, ICBC remains a dominant player with a robust moat.

Total assets: 5.5 trillion USD (2024) Return on equity: 11.5% (2024) Common Equity Tier 1 ratio (CET1): 14.0% (2024) Net profit: 45 billion USD (2024)

The Industrial and Commercial Bank of China Limited (ICBC) is one of the largest banks globally, measured by total assets. The bank demonstrates a solid return on equity of 11.5%, indicating efficient use of its capital. The Common Equity Tier 1 ratio of 14.0% shows that the bank is well capitalized and has a strong financial base to mitigate potential risks.

The net profit of 45 billion USD in 2024 underscores the bank's ability to generate stable earnings. ICBC benefits from its dominant market position in China and global presence, enabling it to capitalize on international growth opportunities.

Overall, the financial metrics and strategic positioning of ICBC suggest that it could be a solid investment, especially for investors interested in a stable and established financial institution. However, potential investors should consider the macroeconomic conditions and regulatory developments in China, as these could impact the bank's future performance.

Dividend yield: 5.5% (estimated for 2024)
Dividend history: Continuous payout for over 10 years

The Industrial and Commercial Bank of China Limited (ICBC) is known for its reliable dividend policy. Historically, the bank has regularly distributed dividends while maintaining a stable dividend yield.

The dividend yield of 5.5% in 2024 shows that ICBC continues to offer an attractive payout for investors. The bank has a solid financial foundation and a strong market position, contributing to the stability of dividend payments.

Analysts expect that ICBC will continue its dividend policy in the coming years, supported by robust financial results and a strong capital base.