# INDUSTRIAL BANK CO LTD -A

Summary updated: 2026-10-02T08:52:49.236902Z
Canonical: https://finbar.com/research/companies/industrial-bank-co-a

## Overview

Industrial Bank Co., Ltd. is a Chinese commercial banking and financial-services group headquartered in Fuzhou. Its core businesses span corporate and personal banking, including deposits, lending, settlement, cash management and custody, alongside investment banking, wealth and asset management, financial leasing, trust, consumer finance and fund management. The bank was established in 1988 and listed on the Shanghai Stock Exchange in 2007. [1](https://www.cib.com.cn/en/aboutCIB/about/introduce.html) [2](https://www.cib.com.cn/en/corporate/)

The company’s operations are centered in China, with a network described as including more than 2,000 sub-branches, 45 tier-one branches including Hong Kong, and a London representative office. Its stated mission is “Sincere Service, Collective Prosperity.” For full-year 2025, consolidated total assets were RMB 11.09 trillion and operating income was RMB 212.74 billion. [1](https://www.cib.com.cn/en/aboutCIB/about/introduce.html) [3](https://www.cib.com.cn/en/aboutCIB/about/culture.html) [4](https://app.finbar.com/go?id=D369234)
[1](https://www.cib.com.cn/en/aboutCIB/about/introduce.html)[2](https://www.cib.com.cn/en/corporate/)[3](https://www.cib.com.cn/en/aboutCIB/about/culture.html)[4](https://app.finbar.com/go?id=D369234)[1](https://www.cib.com.cn/en/aboutCIB/about/introduce.html)[2](https://www.cib.com.cn/en/corporate/)[3](https://www.cib.com.cn/en/aboutCIB/about/culture.html)

## Products & services

Industrial Bank’s wealth-management products include “Change+”, “Deposit+”, “Fixed Income+” and “Cross-border+”, with sub-lines such as “Stable Fixed Income+”, “Aggressive Fixed Income+”, “Index and Index-Enhanced” and “Active Equity”. Cross-border offerings include foreign-currency wealth products and mainland–Hong Kong mutual-recognition funds. Its “Fixed Income+” system combines multiple assets and strategies, while wealth services extend across the customer lifecycle. [5](https://app.finbar.com/go?id=P134429656)[6](https://app.finbar.com/go?id=P134429814)

Retail payment services include mobile-banking tools for linking multiple cards and payment institutions, debit-card quick payment, and online and in-person payment scenarios. For businesses, “Xinghuo Technology” offers products tailored to startup-, growth- and mature-stage firms through a “1+4+N” system spanning equity, bonds, loans, insurance and leasing. Its “technology flow” assessment model evaluates firms’ technological strength, including through a “fourth statement.” [7](https://app.finbar.com/go?id=P134428592)[8](https://app.finbar.com/go?id=P134428748)

Interbank services include wealth-product distribution; collection and payment agency, third-party depository and e-CNY payment services; market-making and transaction matching for funds, interbank certificates of deposit and bonds; cross-border clearing and settlement; and digital solutions for areas including green finance and anti-fraud. In the six months ended June 30, 2026, custody and other entrusted services represented 31.47% of gross fee-and-commission income, bank-card fees 23.03%, agency fees 18.61%, payment and settlement 9.49%, guarantee and commitment fees 4.20%, and other fees 13.20%. These are shares of gross fee-and-commission income, not total revenue. [9](https://app.finbar.com/go?id=P134429726)[10](https://app.finbar.com/go?id=P160771398)
[5](https://app.finbar.com/go?id=P134429656)[6](https://app.finbar.com/go?id=P134429814)[7](https://app.finbar.com/go?id=P134428592)[8](https://app.finbar.com/go?id=P134428748)[9](https://app.finbar.com/go?id=P134429726)[10](https://app.finbar.com/go?id=P160771398)

## Geographic presence

Industrial Bank Co., Ltd.’s geographic footprint is concentrated in mainland China, with branch units spanning major cities including Beijing, Shanghai, Guangzhou, Shenzhen, Chengdu, Wuhan, Xi’an and Urumqi, as well as provincial capitals and other cities across the country. Its listed head office is in Fuzhou, and the branch directory also identifies a Hong Kong Branch in Central, Hong Kong. The 2025 report lists 2,095 outlets and 63,233 employees; it reports staff counts by unit rather than a consolidated regional employee breakdown. [11](https://app.finbar.com/go?id=P134429573)[12](https://app.finbar.com/go?id=P134429577)

For 2025, the company reported operating income of RMB212,741 million. By its reported regional categories, calculated shares were 34.2% for head office, 15.5% for the Yangtze River Delta, 11.5% for the Pearl River Delta and West Coast, 9.7% for the Bohai Rim, 8.0% each for Central and Western regions, 1.5% for Northeast, and 2.0% for Overseas; subsidiaries accounted for a further 9.5%. These categories are the company’s reporting segments, not a country-by-country sales breakdown. [13](https://app.finbar.com/go?id=P134432845)
[11](https://app.finbar.com/go?id=P134429573)[12](https://app.finbar.com/go?id=P134429577)[13](https://app.finbar.com/go?id=P134432845)

## Business segments

Industrial Bank reports its operating segments on a geographic and organizational basis, reflecting the economic areas served by its branches and subsidiaries; branches generally serve local customers. The FY2025 disclosure does not provide separate product- or industry-focused segment shares, so the breakdown below reflects reported operating income rather than distinct product lines. [14](https://app.finbar.com/go?id=P134432834)[15](https://app.finbar.com/go?id=P134431905)

Approximate shares of FY2025 total operating income: Head office, 34.2%; Pearl River Delta and West Coast Region, 11.5%; Yangtze River Delta Region, 15.6%; Bohai Rim Region, 9.7%; Central region, 8.0%; Northeast region, 1.5%; Western Region, 8.0%; Overseas, 2.0%; and Subsidiaries, 9.5%. Shares are calculated from each segment’s operating income and the reported total. [16](https://app.finbar.com/go?id=T15371345)
[14](https://app.finbar.com/go?id=P134432834)[15](https://app.finbar.com/go?id=P134431905)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)[16](https://app.finbar.com/go?id=T15371345)

## Company history

Industrial Bank opened in Fuzhou on 26 August 1988 as Fujian Industrial Bank, established with three corporate sponsors: Fujian Fuxing Finance Company, Fujian Investment Enterprise Company, and Fujian Huaxing Investment Company. In 1996, it opened its first directly managed branch outside Fujian, in Shanghai, marking the start of its expansion beyond its home province. [17](https://www.cib.com.cn/cn/minipage/30th/index.html)[18](https://download.cib.com.cn/netbank/download/cn/Investor_Relations/20180724_1.doc)[19](https://m.cib.com.cn/netbank/cn/aboutCIB/about/events/20000101.html)

The bank adopted the name Industrial Bank Co., Ltd. in 2003. In 2004, it received investment from Hang Seng Bank, the International Finance Corporation, and Singapore’s GIC, and completed its acquisition of Foshan Commercial Bank. Its A-shares began trading on the Shanghai Stock Exchange in February 2007. [20](https://www.cib.com.cn/cn/aboutCIB/about/events/20030101.html)[21](https://www.cib.com.cn/cn/aboutCIB/about/events/20040101.html)[22](https://www.cib.com.cn/cn/aboutCIB/about/news/2004/20041207_01.html)[23](https://www.cib.com.cn/cn/minipage/10th/index.html)

In 2008, Industrial Bank committed to adopt the Equator Principles, becoming the first bank in China to do so; it implemented its first project under the principles in 2009. In 2014, it opened its Hong Kong Branch, its first overseas institution. [24](https://www.cib.com.cn/cn/aboutCIB/about/news/2008/20081031.html)[25](https://www.cib.com.cn/cn/aboutCIB/about/news/2009/20091222.html)[26](https://www.cib.com.cn/cn/aboutCIB/about/news/2014/20140317.html)
[17](https://www.cib.com.cn/cn/minipage/30th/index.html)[18](https://download.cib.com.cn/netbank/download/cn/Investor_Relations/20180724_1.doc)[19](https://m.cib.com.cn/netbank/cn/aboutCIB/about/events/20000101.html)[20](https://www.cib.com.cn/cn/aboutCIB/about/events/20030101.html)[21](https://www.cib.com.cn/cn/aboutCIB/about/events/20040101.html)[22](https://www.cib.com.cn/cn/aboutCIB/about/news/2004/20041207_01.html)[23](https://www.cib.com.cn/cn/minipage/10th/index.html)[24](https://www.cib.com.cn/cn/aboutCIB/about/news/2008/20081031.html)[25](https://www.cib.com.cn/cn/aboutCIB/about/news/2009/20091222.html)[26](https://www.cib.com.cn/cn/aboutCIB/about/news/2014/20140317.html)

## Sources

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2. [www.cib.com.cn](https://www.cib.com.cn/en/corporate/)
3. [www.cib.com.cn](https://www.cib.com.cn/en/aboutCIB/about/culture.html)
4. [INDUSTRIAL BANK CO LTD -A — Full financial report (2026 H 1)](https://app.finbar.com/go?id=D369234)
5. [INDUSTRIAL BANK CO LTD -A — Full financial report (2025 Y), p106](https://app.finbar.com/go?id=P134429656)
6. [INDUSTRIAL BANK CO LTD -A — Full financial report (2025 Y), p113](https://app.finbar.com/go?id=P134429814)
7. [INDUSTRIAL BANK CO LTD -A — Full financial report (2025 Y), p45](https://app.finbar.com/go?id=P134428592)
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9. [INDUSTRIAL BANK CO LTD -A — Full financial report (2025 Y), p109](https://app.finbar.com/go?id=P134429726)
10. [INDUSTRIAL BANK CO LTD -A — Full financial report (2026 H 1), p33](https://app.finbar.com/go?id=P160771398)
11. [INDUSTRIAL BANK CO LTD -A — Full financial report (2025 Y), p101](https://app.finbar.com/go?id=P134429573)
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14. [INDUSTRIAL BANK CO LTD -A — Full financial report (2025 Y), p288](https://app.finbar.com/go?id=P134432834)
15. [INDUSTRIAL BANK CO LTD -A — Full financial report (2025 Y), p221](https://app.finbar.com/go?id=P134431905)
16. [INDUSTRIAL BANK CO LTD -A — Full financial report (2025 Y), p289](https://app.finbar.com/go?id=T15371345)
17. [www.cib.com.cn](https://www.cib.com.cn/cn/minipage/30th/index.html)
18. [download.cib.com.cn](https://download.cib.com.cn/netbank/download/cn/Investor_Relations/20180724_1.doc)
19. [m.cib.com.cn](https://m.cib.com.cn/netbank/cn/aboutCIB/about/events/20000101.html)
20. [www.cib.com.cn](https://www.cib.com.cn/cn/aboutCIB/about/events/20030101.html)
21. [www.cib.com.cn](https://www.cib.com.cn/cn/aboutCIB/about/events/20040101.html)
22. [www.cib.com.cn](https://www.cib.com.cn/cn/aboutCIB/about/news/2004/20041207_01.html)
23. [www.cib.com.cn](https://www.cib.com.cn/cn/minipage/10th/index.html)
24. [www.cib.com.cn](https://www.cib.com.cn/cn/aboutCIB/about/news/2008/20081031.html)
25. [www.cib.com.cn](https://www.cib.com.cn/cn/aboutCIB/about/news/2009/20091222.html)
26. [www.cib.com.cn](https://www.cib.com.cn/cn/aboutCIB/about/news/2014/20140317.html)

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