iTechGuides is reader-supported. When you buy through links on our site, we may earn an affiliate commission. As an Amazon Associate I earn from qualifying purchases. Learn more
ICBC was larger and reported higher net profit than China Construction Bank (CCB) in their matched 2024 results; both reported the same 1.34% year-end non-performing-loan ratio. Those figures compare reported scale and selected financial indicators—not which bank will serve a particular customer better. For that, compare the specific products, eligibility, local access, fees and digital-service needs that matter to you.
The figures below are for 2024, not a matched comparison of the banks’ later 2025 reports. Amounts are in renminbi (RMB) and come from the banks’ official English-language results releases.
How did CCB and ICBC compare in 2024?
| Measure | China Construction Bank (CCB) | Industrial and Commercial Bank of China (ICBC) | What the comparison shows |
|---|---|---|---|
| Group total assets at year-end 2024 | RMB 40.57 trillion | RMB 48.82 trillion | ICBC reported the larger group balance sheet. |
| Net profit for 2024 | RMB 336.282 billion | RMB 366.9 billion | ICBC reported higher net profit. The summaries present the figures at different levels of precision. |
| Non-performing-loan (NPL) ratio at year-end 2024 | 1.34% | 1.34% | The headline ratios were the same; they do not, on their own, settle which bank is safer. |
| Capital adequacy ratio at year-end 2024 | 19.69% | 19.39% | CCB reported a slightly higher ratio. A small difference is not a complete safety ranking. |
| Digital figures reported for 2024 | 521 million combined mobile banking and CCB Life users; 184 million financial transaction users | 588 million personal mobile banking customers; more than 260 million mobile monthly active users | The categories and definitions differ, so these are not like-for-like usage measures. |
These are bank-reported results presented under IFRS. CCB’s and ICBC’s official releases are authoritative for what each bank reported, but they are not independent assessments of customer service or bank safety. See CCB’s official 2024 results release and ICBC’s official 2024 results release.
Recommended Free Tools
Which is bigger, CCB or ICBC?
By group total assets at year-end 2024, ICBC was bigger: it reported RMB 48.82 trillion, compared with CCB’s RMB 40.57 trillion. Assets indicate the scale of each group’s balance sheet; they do not show whether a bank has the right branch, account, card or service for an individual customer.
#1 Best Overall
The banks also reported different lending figures that should not be treated as directly comparable. CCB reported RMB 25.04 trillion in net loans and advances for 2024, while ICBC reported RMB 26.7 trillion in domestic RMB loans. The labels and potential scope differ. CCB also reported RMB 28.71 trillion in customer deposits for 2024; the cited ICBC summary does not provide a matched deposit figure in the comparison.
Which bank reported stronger financial results?
Profit
ICBC reported 2024 net profit of RMB 366.9 billion; CCB reported RMB 336.282 billion. This is a comparison of reported annual results, not a forecast of future performance or a measure of the value an individual customer will receive.
Rank #2
Asset quality and capital
Both banks reported a 1.34% NPL ratio at year-end 2024. CCB reported a 19.69% capital adequacy ratio, and ICBC reported 19.39%. These indicators describe selected aspects of lending performance and capital under each bank’s reporting; none alone provides a full assessment of risk. The ratios are not independent ratings, and small differences should not be turned into a definitive safety verdict.
Free tools Windows power users keep installed
One-click scans. No signup required.
Do the reported digital-user figures show which app is better?
No. CCB’s 2024 release combined mobile banking and CCB Life users in its 521 million figure and separately reported 184 million financial transaction users. ICBC reported 588 million personal mobile banking customers and more than 260 million mobile monthly active users. Because the measures are defined differently, they do not establish which app is easier to use, has better features, or supports the languages and transactions you need.
Check the actual app and service availability for your location and account type. Confirm that it supports the tasks you care about—such as transfers, bill payment, card controls or customer support—and the language you can use comfortably.
How should you choose between CCB and ICBC?
Start with the service you need and where you will use it. A bank’s national or global size cannot tell you whether you can open a particular account, access a convenient branch, or get the terms you need in your jurisdiction.
- Check local access. Look up branches, ATMs, service hours and available support in your city or country. The 2024 result summaries do not provide a matched, location-by-location service comparison.
- Confirm product eligibility. Ask the bank whether you qualify for the specific account, deposit, card, mortgage, business service or cross-border service you want. Eligibility and terms depend on jurisdiction and customer profile.
- Compare the full cost and terms. For the same type of product, check applicable fees, interest rates, minimum balances, transfer costs, limits and conditions. Group financial results do not establish a customer’s price or eligibility.
- Test the practical digital fit. Verify the features, language support and support channels available to you, rather than using different headline user totals as an app-quality ranking.
- Use financial indicators as context. Compare metrics only when their dates, definitions and scopes align. Assets measure scale; NPL and capital ratios cover selected dimensions, not the whole picture.
Are these the latest comparable figures?
No. Both banks’ investor-relations indexes list 2025 annual reporting, but the figures in this article are the matched details available from their official 2024 results summaries. This article therefore does not claim to compare their 2025 or 2026 performance. Check each bank’s latest filings for newer figures, and compare matching periods and definitions before drawing conclusions. The indexes are available at CCB Investor Relations and ICBC Investor Relations.
What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
Quick Recap
Best Value
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
