On October 30, ICBC held its Q3 2025 earnings briefing. Regarding recent credit demand trends, management acknowledged temporary weakness but expressed confidence in gradual improvement as macro policies take effect.

Management noted that both corporate and household credit demand currently exhibit signs of short-term softness. However, with the implementation of supportive policies, credit demand is expected to recover steadily. Key drivers include fiscal subsidies for consumer and business loans, which will unlock growth potential in retail credit. Additionally, policies addressing excessive competition and overdue payments are anticipated to revive credit demand among high-quality enterprises.

ICBC emphasized its commitment to leveraging policy opportunities and aligning with real economic needs to strengthen the foundation for sustainable credit growth.