ICBC reported the larger balance sheet and higher net profit in the two banks’ matched 2024 results, while China Construction Bank (CCB) and ICBC each reported a 1.34% year-end non-performing-loan ratio. Those figures show differences in reported scale—not which bank will be better for your account, loan or day-to-day service. The right comparison starts with where you bank, which products you qualify for, and their actual terms and access.
Which is bigger, CCB or ICBC?
By group total assets at year-end 2024, ICBC was larger. ICBC reported RMB 48.82 trillion in assets, compared with CCB’s RMB 40.57 trillion. Both figures are reported in the banks’ 2024 results under IFRS. CCB’s 2024 results and ICBC’s 2024 results are the primary sources for the banks’ own reported figures.
Scale can matter to a bank’s reach and business mix, but it does not tell you whether a particular branch is convenient, an account is available to you, or a service meets your needs.
How do their 2024 results compare?
The following figures are the matched 2024 results available in the banks’ official releases. They are not a matched comparison of 2025 or 2026 performance.
#1 Best Overall
| Measure | China Construction Bank (CCB) | ICBC | What it indicates |
|---|---|---|---|
| Group total assets, year-end 2024 | RMB 40.57 trillion | RMB 48.82 trillion | ICBC reported the larger group by assets. |
| Net profit, 2024 | RMB 336.282 billion | RMB 366.9 billion | ICBC reported higher net profit. Its release rounds the figure to one decimal billion; CCB’s summary gives more precision. |
| Non-performing-loan (NPL) ratio, year-end 2024 | 1.34% | 1.34% | The banks reported the same headline ratio. It is one credit-quality indicator, not a complete risk assessment. |
| Capital adequacy ratio, year-end 2024 | 19.69% | 19.39% | CCB reported a slightly higher ratio. This difference alone does not establish that one bank is safer overall. |
These are bank-reported measures, not independent ratings of either institution. Assets describe scale; profit describes a year’s reported earnings; an NPL ratio and capital adequacy ratio each capture only selected aspects of a bank’s financial position. A personal banking decision also depends on service, eligibility, product terms and your circumstances.
What do the banks’ digital-user figures mean?
The banks report digital reach using different labels, so the figures should not be treated as a head-to-head measure of app quality or active use.
Rank #2
- CCB reported 521 million combined mobile banking and CCB Life users, as well as 184 million financial transaction users in 2024. The combined figure includes CCB Life and is not directly comparable with a mobile-banking-only customer count.
- ICBC reported 588 million personal mobile banking customers and more than 260 million mobile monthly active users in 2024. Customers and monthly active users are distinct measures.
The totals do not establish which app offers the functions, language support or accessibility you need. Check the bank’s current digital services for your location and account type.
Which bank is better for you?
There is no universal winner in the 2024 figures. Compare the specific service you intend to use, rather than choosing on the basis of a bank-wide total.
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Check local access
Look for branches and ATMs in your city or country, their service hours, and whether the services you need are available there. The official 2024 result summaries do not provide a matched, location-by-location comparison.
Confirm product availability and eligibility
Identify the exact need—such as a transaction account, deposit, card, mortgage, business banking or cross-border service—and ask each bank whether it is available to you. Eligibility and terms can depend on jurisdiction and customer profile; group results do not establish them.
Compare the full cost and conditions
For the same product and customer circumstances, check applicable fees, interest rates, minimum balances, transfer costs and other conditions. Do not infer prices or eligibility from assets, profit or other group-level results.
Test digital fit
Check that the relevant app or online service supports the functions and language you need. The reported user totals use different definitions and cannot show which service will work better for you.
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Put financial indicators in context
For a financial comparison, use measures with the same reporting date and understand what each one covers. The shared 1.34% NPL ratio is informative, but it is not a complete measure of risk; neither the slightly different capital ratios nor the larger asset total amounts to a full safety ranking.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What the 2024 figures do—and do not—settle
CCB’s 2024 release reported RMB 25.04 trillion in net loans and advances and RMB 28.71 trillion in customer deposits. ICBC’s release reported RMB 26.7 trillion in domestic RMB loans. Because the labels and potential scope differ, these loan figures should not be read as a direct like-for-like comparison.
Both banks’ investor-relations indexes list 2025 annual reporting, but the detailed figures in those reports are not included in this matched comparison. For a decision based on more recent financial performance, consult each bank’s later disclosures and compare equivalent metrics and reporting periods.
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