Industrial and Commercial Bank of China Limited (OTC: IDCBY), the world's biggest bank by assets, reported a 4.9% rise in its net income at 171.506 billion yuan ($24.8 billion) for the six months ended June compared to the same period last year.
The bank witnessed its net interest income, which is the difference between interest earned and interest expended, grow by 4.5% to 351.425 billion yuan. Non-interest income rose 2.5% in the same period to 92.363 billion yuan.
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Asset Quality: ICBC's asset quality improved marginally as its non-performing loans ratio stood at 1.41% in the first half of 2022 compared to 1.42% in the same period last year. The lender's annualized net interest margin stood at 2.03%.
According to the lender, its domestic loans increased by 1.61 trillion yuan in the first half of the year, witnessing a record-high growth. The bank's total assets stood at 38 trillion yuan.
Outlook: In its outlook, ICBC said the Chinese economy demonstrates strong resilience and great potential, with its long-term good prospects remaining unchanged.
"Its economic growth is expected to maintain within an appropriate range and its enormous growth potential will be unleashed. That will provide favorable conditions for the banking industry to continue to improve its strength and drive high-quality development," the lender said.
工商銀行有限公司(場外取引コード：IDCBY)は世界で資産規模が最大の銀行で、同社が発表した6月までの6カ月間の純利益は前年比4.9%増の1，715.06億元(約248億ドル)だった。
同行の純利息収入、すなわち利息収入と利息支出との差額は、4.5%増加し、3514.25億元に達した。同期の非利息収入は2.5%増加し、923.63億元になった。
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資産の質：工商銀行の資産品質はやや改善され、2022年上半期の不良融資率は1.41%であったが、前年同期は1.42%であった。この銀行の年化純利息差は2.03%である。
同行によると、今年上半期、その国内ローンは1.61兆元増加し、過去最高を記録した。同行の総資産は38兆元。
展望：工商銀行は展望の中で、中国経済は強大な靭性と巨大な潜在力を示し、長期的に良好な見通しは変わらないと表明した
同行は“その経済成長は適切な範囲内に維持され、その巨大な成長潜在力が放出されることが予想される。これは銀行業が引き続き実力を向上させ、質の高い発展を推進するために有利な条件を提供する”と述べた。
