Industrial And Commercial Bank Of China (FRA:ICK) Net Loan: €3,868,908 Mil (As of Mar. 2026)

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FRA:ICK Industrial And Commercial Bank Of China Ltd FRA:ICK
42 GF Score
Price €0.75
GF Value €0.67
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Industrial And Commercial Bank Of China Net Loan?

Industrial And Commercial Bank Of China FRA:ICK 42 Net Loan is €3,868,908 Mil as of Mar. 2026. GuruFocus rates FRA:ICK with a GF Score™ of 42/100 and a GF Value™ of €0.67 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Industrial And Commercial Bank Of China's quarterly net loan increased from Sep. 2025 (€3,544,461 Mil) to Dec. 2025 (€3,602,674 Mil) and increased from Dec. 2025 (€3,602,674 Mil) to Mar. 2026 (€3,868,908 Mil).

Industrial And Commercial Bank Of China's annual net loan increased from Dec. 2023 (€3,260,387 Mil) to Dec. 2024 (€3,602,674 Mil) but then declined from Dec. 2024 (€3,602,674 Mil) to Dec. 2025 (€3,868,908 Mil).

Industrial And Commercial Bank Of China Net Loan Historical Data

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The historical data trend for Industrial And Commercial Bank Of China's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Industrial And Commercial Bank Of China Net Loan Chart

Industrial And Commercial Bank Of China Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,794,128.40 3,059,016.04 3,260,387.32 3,622,063.93 3,602,674.15

Industrial And Commercial Bank Of China Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,686,276.14 3,546,519.14 3,544,460.77 3,602,674.15 3,868,907.63
FRA:ICK
42GF Score
Industrial And Commercial Bank Of China Ltd FRA:ICK
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Industrial And Commercial Bank Of China Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €3,868,908 Mil mean?
Industrial And Commercial Bank Of China (FRA:ICK) has a Net Loan of €3,868,908 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Industrial And Commercial Bank Of China and its competitors.
Is Industrial And Commercial Bank Of China's Net Loan too high?
Industrial And Commercial Bank Of China's current Net Loan is €3,868,908 Mil. Overall, Industrial And Commercial Bank Of China has a GF Score™ of 42/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Industrial And Commercial Bank Of China's Net Loan compare to JPM and BAC?
Industrial And Commercial Bank Of China's Net Loan of €3,868,908 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Industrial And Commercial Bank Of China and its competitors. Industrial And Commercial Bank Of China's current Net Loan is €3,868,908 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Industrial And Commercial Bank Of China stock overvalued right now?
Based on GuruFocus' analysis, Industrial And Commercial Bank Of China (FRA:ICK) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.67, compared to a current price of €0.75 — trading 12.2% above its estimated fair value. The current Net Loan is €3,868,908 Mil. Industrial And Commercial Bank Of China's overall GF Score™ is 42/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Industrial And Commercial Bank Of China (FRA:ICK), the current Net Loan is €3,868,908 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Industrial And Commercial Bank Of China (FRA:ICK) Overvalued in 2026?

Based on GuruFocus' analysis, Industrial And Commercial Bank Of China stock appears to be overvalued. The current stock price of €0.75 is trading 12.2% above its estimated GF Value™ of €0.67. GuruFocus considers Industrial And Commercial Bank Of China to be Modestly Overvalued.

Key valuation signals for FRA:ICK:

  • Net Loan: €3,868,908 Mil
  • GF Value™: €0.67 vs. price of €0.75 (12.2% above fair value)
  • GF Score™: 42/100 with 6 warning signs

No single metric tells the full story. See the FRA:ICK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Industrial And Commercial Bank Of China Business Description

Address No. 55 Fuxingmennei Avenue, Xicheng District, Beijing, CHN, 100140
Industrial and Commercial Bank of China was founded in 1984 and is headquartered in Beijing. The bank listed its shares in mainland China and Hong Kong in 2006. It is China's largest by asset scale and by share of lending and deposits. Central Huijin Investment (China's sovereign wealth fund manager) and China's Ministry of Finance are ICBC's two largest shareholders, each with a stake of around 35%. ICBC operates over 15,000 outlets. Of these, 413 outlets are in 49 countries and regions overseas. Corporate banking, retail banking, and wholesale banking accounted for 49%, 39%, and 11% of total revenue, respectively, and 49%, 33%, and 17% of profit before tax in 2025. Overseas banking and other business contributed 14% of total revenue and 9% of profit before tax in 2025.
42GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.75
Price
€0.67
GF Value