Industrial Bank Co Ltd Class A

601166: XSHG (CHN)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
	tS	LOCK\|>$%	LOCK\|>v%&@%b

Industrial Bank Earnings: Costly Funding Structure to Weigh on Margins; Cutting Valuation by 7%

Iris Tan , Junhao Yang

Sep 1, 2026

Industrial Bank's, or CIB's, second-quarter profit fell 11% year on year, driven by flat net interest income and higher provisions for rising retail loan risks. Fee income growth improved to 10% from 7% in the first quarter.

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Industrial Bank Co Ltd Class A

Industrial Bank Earnings: Costly Funding Structure to Weigh on Margins; Cutting Valuation by 7%

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