Industrial Bank stock | 2026 rating, price & analyst opinions

Industrial Bank

SHSE:601166

¥ 20,80

¥-0,07 (-0,34%)

20,80 ¥

¥-0,07 (-0,34%)

End-of-day quote: 12/05/2025

Industrial Bank Stock Value

The current analyst recommendation for SHSE:601166 is: Outperform.

Outperform

Industrial Bank Company Info

EPS Growth 5Y

2,53%

Market Cap

¥440,19 B

Long-Term Debt

¥1.840,54 B

Annual earnings

03/27/2026

Dividend

¥1,06

Dividend Yield

5,08%

Founded

1988

Industry

Financials

Country

China

Website

Industrial Bank

ISIN Number

CNE000001QZ7

Website

http://www.cib.com.cn

Analyst Price Target

¥26,00

25%

Last Update: 12/06/2025

Analysts: 12

Highest Price Target ¥30,50

Average Price Target ¥26,00

Lowest Price Target ¥17,19

In the last five quarters, Industrial Bank’s Price Target has risen from ¥14,82 to ¥20,55 - a 38,66% increase. Ten analysts predict that Industrial Bank’s share price will increase in the coming year, reaching ¥26,00. This would represent an increase of 25,00%.

Top growth stocks in the financials sector (5Y.)

What does Industrial Bank do?

Industrial Bank Co., Ltd., a financial institution that provides banking and financial services. Business Segments The company operates through Corporate Finance, Retail Banking, Financial Markets, Asset Management, Wealth Management, and Digital Banking segments. Corporate Finance This segment offers financial services to enterprises, including traditional banking services, investment banking, and various financial products tailored to meet the diverse needs of corporate clients. Retail Ba...

Industrial Bank Co., Ltd., a financial institution that provides banking and financial services.

Business Segments

The company operates through Corporate Finance, Retail Banking, Financial Markets, Asset Management, Wealth Management, and Digital Banking segments.

Corporate Finance

This segment offers financial services to enterprises, including traditional banking services, investment banking, and various financial products tailored to meet the diverse needs of corporate clients.

Retail Banking

This segment provides savings accounts, personal loans, credit cards, and wealth management products to individual customers.

Financial Markets

This segment includes a variety of activities related to trading, investment, and market-making that consists of foreign exchange trading, securities trading, and derivatives trading, as well as providing clients with access to a wide range of financial instruments and investment opportunities domestic and international financial markets.

Asset Management

This segment focuses on managing assets on behalf of clients, including institutional investors and high-net-worth individuals. This segment offers a range of investment products, including mutual funds, private equity funds, and real estate investment trusts (REITs).

Wealth Management

This segment provides personalized financial planning and investment advisory services to affluent individuals and families. In addition, this segment offers investment management, estate planning, tax planning, and retirement planning solutions; and wealth management services.

Digital Banking

This segment leverages technology to deliver innovative financial services and products, including includes online banking, mobile banking, and digital payment solutions.

Loans

Corporate Loans

The company’s corporate loan includes loans to various types of enterprises comprising working capital loans, fixed asset loans, and project financing for manufacturing, real estate, and infrastructure industries to support business growth, capital expenditure, and operational efficiency in small and medium-sized enterprises (SMEs) and large corporations.

Personal Loans

The company offers personal installment loans, mortgage loans, and auto loans for individual customers to meet their personal and household needs, as well as loans for purchasing a home, and financing a vehicle or covering personal expenses.

Investment Portfolio

The company maintains a diverse investment portfolio that encompasses a wide range of financial instruments, including government bonds, corporate bonds, asset-backed securities, equity investments, and various other financial instruments.

Deposits

The company offers a wide range of deposit products, catering to different customer segments and financial needs. The primary types of deposits include:

Demand Deposits: These are funds that customers can withdraw at any time without any notice. Demand deposits are typically used for day-to-day transactions and offer high liquidity. The company’s demand deposit products include current accounts and savings accounts.

Time Deposits: These are deposits that are held for a fixed term, ranging from a few months to several years. Time deposits offer higher interest rates compared to demand deposits, as the funds are locked in for a specified period. The company’s time deposit products include fixed-term deposits and recurring deposits.

Negotiable Certificates of Deposit (NCDs): These are large-denomination time deposits that can be traded in the secondary market. NCDs offer higher yields compared to regular time deposits and provide flexibility for institutional investors. The company’s NCD products are designed to meet the needs of corporate clients and institutional investors seeking higher returns and liquidity.

Foreign Currency Deposits: These are deposits held in foreign currencies providing customers with exposure to different currency markets. The company’s foreign currency deposit products include demand and time deposits in various currencies, such as USD, EUR, and JPY. These products cater to the needs of customers engaged in international trade and investment.

Corporate Deposits

The company’s corporate deposit includes deposits from various types of enterprises, ranging from small and medium-sized enterprises (SMEs) and large corporations. The company provides a variety of deposit products tailored to meet the specific needs of corporate clients comprising current accounts, fixed-term deposits, and cash management solutions.

Retail Deposits

The company’s retail deposits cater to the financial needs of individual customers. This includes a wide range of deposit products, such as savings accounts, fixed-term deposits, and recurring deposits.

Geographical Markets Served

The company operates across various regions within China and has a presence in international markets. The company’s domestic operations are spread across multiple provinces and cities, providing a comprehensive range of banking services to corporate and individual clients. The key regions served by the company include:

Beijing: The company’s Beijing branch is a significant hub for its operations in northern China, offering a wide range of financial services to corporate and retail clients.

Shanghai: The Shanghai branch serves as a major financial center, providing comprehensive banking services and supporting the company’s strategic initiatives in the Yangtze River Delta region.

Guangdong: The company’s operations in Guangdong are focused on serving the dynamic and rapidly growing markets in the Pearl River Delta region, including major cities comprising Guangzhou and Shenzhen.

Fujian: this region is a core market, with extensive banking services provided to support local economic development.

Jiangsu and Zhejiang: These regions are key industrial and economic hubs, with the company providing tailored financial solutions to support the growth of local businesses and industries.

The company has branches in other major cities, such as Tianjin, Chongqing, Chengdu, and Wuhan, China. Additionally, the company has a presence in international markets, including a branch in Hong Kong, which serves as a gateway for its international banking operations.

Customers

The company serves a wide range of customers, including individual clients, small and medium-sized enterprises (SMEs), and large corporations. The company’s customer base is diverse, encompassing various industry sectors such as manufacturing, real estate, infrastructure, and financial services. The company’s extensive branch network and digital banking platforms enable it to serve a broad customer base across different regions.

Marketing And Distribution

The company’s primary marketing and distribution channels include:

Branch Network: The company operates an extensive network of branches across various regions, providing customers with direct access to its banking services. The branches serve as key touchpoints for customer engagement and service delivery.

Digital Platforms: The company leverages online banking, mobile banking, and digital payment solutions to reach customers through digital channels. The digital platforms provide customers with convenient access to banking services, enabling them to manage their accounts, transfer funds, and make payments online.

Advertising and Public Relations: The company conducts advertising campaigns through various media channels, including television, radio, print, and online media. Public relations efforts are focused on building a positive brand image and enhancing the company’s reputation in the market.

Sponsorships and Events: The company participates in sponsorships and events to increase its visibility and engage with potential customers.

Partnerships and Alliances: The company forms strategic partnerships and alliances with other financial institutions, businesses, and organizations to expand its reach and offer complementary services to customers.

Regulatory Compliance

The company adheres to regulations set forth by the China Banking and Insurance Regulatory Commission (CBIRC), the People’s Bank of China (PBOC), and the China Securities Regulatory Commission (CSRC).

Environmental Laws

The company is committed to environmental sustainability and adheres to environmental laws and regulations set forth by the government. The company’s environmental policies are aligned with national and international standards, including the United Nations Sustainable Development Goals (SDGs) and the Paris Agreement on climate change.

History

Industrial Bank Co., Ltd. was founded in 1988. The company was incorporated in 1988.

Industrial Bank Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Financial services: approx. 70% Investment banking: approx. 20% Asset management: approx. 10% TOP 3 Markets: China: approx. 80% Hong Kong: approx. 10% Southeast Asia: approx. 5% Industrial Bank Co., Ltd. generates the majority of its revenue from the financial services sector, which includes tra...

At which locations are the company’s products manufactured?

Production Sites: Mainly in China Industrial Bank Co., Ltd. is primarily active as a financial service provider and not as a production company in the traditional sense. Therefore, the company does not produce physical products. Its "products" are financial services, primarily offered in C...

What strategy does Industrial Bank pursue for future growth?

Strategy for Future Growth: Digitization and Technology Integration Sustainable Financial Solutions Expansion of International Presence Industrial Bank Co., Ltd. is increasingly focusing on digitization and the integration of new technologies to make its services more efficient and customer-friend...

Which raw materials are imported and from which countries?

Main imported raw materials: Copper, Aluminum, Iron Countries of origin: Chile, Australia, Brazil Industrial Bank Co., Ltd., as one of the leading banks in China, finances and supports numerous industrial projects that rely on the import of raw materials. The most important raw materials include met...

How strong is the company’s competitive advantage?

Market share: 5.2% (2024, estimated) Return on equity (ROE): 12.5% (2024) Cost efficiency (cost-to-income ratio): 32% (2024) Industrial Bank Co., Ltd. has a solid competitive advantage reflected in several financial indicators. With an estimated market share of 5.2% in 2024, the company is among the...

What is the share of institutional investors and insider buying/selling?

Institutional investor share: approx. 45% (estimated for 2025 based on historical trends) Insider purchases/sales: No significant changes in 2025 The institutional investor share at Industrial Bank Co., Ltd. typically ranges from about 40-50%, indicating the trust of large investors in the stability...

What percentage market share does Industrial Bank have?

Market share of Industrial Bank Co., Ltd.: Estimate 4.5% (2025) Main competitors and their market shares: Industrial and Commercial Bank of China (ICBC): 10.5% China Construction Bank (CCB): 9.8% Agricultural Bank of China (ABC): 8.9% Bank of China (BOC): 8.2% Bank of Communications: 5.1% Postal Sa...

Is Industrial Bank stock currently a good investment?

Revenue growth: 8.5% (2024) Profit growth: 7.2% (2024) Return on equity: 13.5% (2024) The Industrial Bank Co., Ltd. recorded solid revenue growth of 8.5% in 2024. This indicates strong operational performance and an effective market strategy. The profit growth of 7.2% shows that the company is able...

Does Industrial Bank pay a dividend – and how reliable is the payout?

Dividend yield: 4.5% (estimated for 2025) Dividend history: Continuous distribution in the last 5 years Industrial Bank Co., Ltd. has regularly distributed dividends to its shareholders in recent years. The dividend yield for 2025 is estimated to be around 4.5%, which is in line with the distributio...

Industrial Bank Stock Value

Industrial Bank Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Industrial Bank do?

Industrial Bank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal