ICBC reported the larger balance sheet and higher net profit in the matched 2024 results, while China Construction Bank (CCB) and ICBC each reported a 1.34% year-end non-performing-loan ratio. Those figures help compare scale and selected risk indicators; they do not establish which bank is better for a particular customer. Location, eligibility, product terms, fees, access and language support may matter more.
Which is bigger, CCB or ICBC?
By group total assets at year-end 2024, ICBC was larger: it reported RMB 48.82 trillion, compared with CCB’s RMB 40.57 trillion. These are bank-reported figures in the banks’ 2024 results releases, presented under IFRS. CCB’s 2024 results; ICBC’s annual reports.
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Profit showed the same ordering in 2024: ICBC reported net profit of RMB 366.9 billion, while CCB reported RMB 336.282 billion. ICBC’s result is rounded to one decimal billion in its release, while CCB’s summary gives more precision, so the figures should not be read as having identical precision.
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1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errorsThese results describe the banks’ scale and reported financial performance for 2024, not their service quality, the terms available to you, or a current matched comparison of 2025 performance. Both banks have listed 2025 annual reporting, but the figures below are the matched 2024 results.
#1 Best Overall
How do CCB and ICBC compare on key 2024 figures?
| Measure | CCB | ICBC | What it indicates |
|---|---|---|---|
| Group total assets, year-end 2024 | RMB 40.57 trillion | RMB 48.82 trillion | ICBC reported the larger group balance sheet. |
| Net profit, 2024 | RMB 336.282 billion | RMB 366.9 billion | ICBC reported higher net profit; its release rounds the figure differently. |
| Non-performing-loan (NPL) ratio, year-end 2024 | 1.34% | 1.34% | Same reported headline ratio; it is only one indicator of credit risk. |
| Capital adequacy ratio, year-end 2024 | 19.69% | 19.39% | CCB reported a slightly higher ratio; this alone is not a safety ranking. |
All figures are reported by the respective banks in their 2024 results releases. The CCB release and ICBC annual-report materials provide the bank-level context. Ratios and profit figures are not independent assessments.
Does the same NPL ratio mean the banks are equally safe?
No. The 1.34% NPL ratio reported by each bank at year-end 2024 is a useful point of comparison, but it cannot settle which bank is safer. A single headline ratio does not capture every dimension of asset quality, provisions, capital, or the risks relevant to an individual depositor or borrower.
Rank #2
CCB reported a 19.69% capital adequacy ratio and ICBC reported 19.39% for year-end 2024. The difference is small in this comparison and should not be treated as a complete ranking of resilience. These are selected bank-reported indicators, not a substitute for a broader, like-for-like assessment or a guarantee about an individual customer’s experience.
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What do the banks’ digital-user numbers tell you?
They show substantial reported digital reach, but the figures do not use matching definitions and cannot establish which app is more useful or easier to use.
- CCB reported 521 million combined mobile banking and CCB Life users, including 184 million financial transaction users, in its 2024 results. The combined figure includes two services, so it is not directly comparable with a count of mobile banking customers alone. CCB’s 2024 results.
- ICBC reported 588 million personal mobile banking customers and more than 260 million mobile monthly active users in its 2024 results. A customer total and a monthly-active-user count describe different measures. ICBC annual-report materials.
For your decision, check whether the app offers the functions, language support and service access you need in your location. User totals do not answer those practical questions.
How should you choose between CCB and ICBC?
Start with the specific service you need, then compare what each bank offers where you can actually use it. Group financial results cannot tell you your eligibility, local access or the cost of an individual account, loan or transfer.
- 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 comparison.
- Compare the exact product. For an account, deposit, card, mortgage, business service or cross-border transaction, verify availability and eligibility directly with the bank for your jurisdiction and customer profile.
- Compare the full terms and cost. Check applicable fees, rates, minimum balances, transfer costs and conditions for the specific product. Do not infer a price or eligibility from the banks’ group-level figures.
- Test the digital fit. Confirm that the functions and language options you need are available to you, and consider whether you can get help through a channel you can use.
- Use financial metrics as context. Assets indicate scale; NPL and capital ratios describe selected dimensions of financial position. Compare dates and definitions, and do not treat any one figure as a complete safety or service verdict.
What do the loan and deposit figures show?
CCB reported RMB 25.04 trillion in net loans and advances and RMB 28.71 trillion in customer deposits for 2024. ICBC reported domestic RMB loans of RMB 26.7 trillion for the same year. The loan labels and stated scope differ, so these numbers should not be treated as a direct like-for-like comparison. CCB’s 2024 results; ICBC annual-report materials.
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A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11CCB also reported a 1.51% net interest margin in 2024. That is a bank-level performance measure, not a rate offered to an individual customer or a direct measure of which bank has the better product for you.
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Which bank is better for you?
There is no universal winner established by these figures. ICBC reported more assets and higher 2024 net profit; both banks reported the same year-end NPL ratio; and CCB reported a slightly higher capital adequacy ratio. The right choice depends on whether the bank can provide the specific service you need, where you need it, on acceptable terms and in a language and channel you can use.
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