# Industrial Bank (Wireless Industrial Bank + Online Industrial Bank)

> Source: https://docs.barcoder.ai/docs/wallets/industrial-bank-china
> research date 2026-05-30 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Industrial Bank — official](https://www.cib.com.cn/)

## Overview

**Industrial Bank (Wireless Industrial Bank + Online Industrial Bank)** is **Chinese joint-stock commercial bank** + **top 20 banks in the world** + **Fortune Global 500** + **founded in Fuzhou City Fujian Province** + **registered capital RMB 20.774B** <sup>[1][1], [2][2], [China report](https://docs.barcoder.ai/docs/payments/CN)</sup>. **2025 baseline**: Industrial Bank top 20 banks in the world + Fortune Global 500 mainstream commercial banking group; **Online Industrial Bank (www.cib.com.cn) + telephone banking service 95561 + Wireless Industrial Bank mobile banking service** distinctive Chinese commercial bank digital channels + debit and credit card + internet and mobile banking services.

**Distinctive Industrial Bank positioning**:
- **Chinese joint-stock commercial bank** (Industrial Bank Co Ltd; SSE: 601166)
- **Top 20 banks in the world** distinctive Chinese commercial bank global ranking
- **Fortune Global 500** distinctive Chinese commercial bank Fortune Global 500 ranking
- **Founded in Fuzhou City Fujian Province** distinctive Chinese commercial bank Fujian heritage
- **Registered capital RMB 20.774B** distinctive Chinese commercial bank capital base
- **Online Industrial Bank (www.cib.com.cn) + telephone banking service 95561 + Wireless Industrial Bank mobile banking service** distinctive Chinese commercial bank digital channels
- **Aug 26 1988 Industrial Bank founding** distinctive Chinese commercial bank Fujian Province establishment heritage
- **Feb 5 2007 Industrial Bank SSE IPO under ticker 601166** distinctive Chinese commercial bank Shanghai listing

## History

**Aug 26 1988 — Industrial Bank founded in Fuzhou City Fujian Province** as Chinese joint-stock commercial bank.

**Feb 5 2007 — Industrial Bank SSE IPO under ticker 601166** distinctive Chinese commercial bank Shanghai listing.

**2010 — Wireless Industrial Bank mobile banking app launch** distinctive Chinese mobile banking strategy.

**2025 — Industrial Bank top 20 banks in the world + Fortune Global 500 mainstream commercial banking group** <sup>[1][1], [2][2], [3][3]</sup>.

## Ownership & operator

**Operating entity**: **Industrial Bank Co Ltd** (SSE: 601166; Chinese joint-stock commercial bank; top 20 banks in the world; Fortune Global 500).

**Major shareholders**: **Fujian Provincial Department of Finance + Tobacco China Industry Tobacco Corporation + Hang Seng Bank (HSBC subsidiary; ~10% stake post-2004 strategic investment) + Chinese retail + institutional + foreign investors**.

**Regulators**: **PBoC (People's Bank of China) + NFRA (National Financial Regulatory Administration China) + CSRC**.

## Technical integration

Wireless Industrial Bank mobile banking app (iOS + Android) + Online Industrial Bank (www.cib.com.cn) + 95561 telephone banking service + Industrial Bank branch network across China + Industrial Bank UnionPay + Visa + Mastercard cards; CNAPS + UnionPay + UnionPay QR + e-CNY (post-PBoC e-CNY pilot expansion); **debit and credit card + internet and mobile banking services** distinctive Chinese commercial bank digital channels.

## Users & growth

Industrial Bank top 20 banks in the world + Fortune Global 500 mainstream commercial banking group; registered capital RMB 20.774B.

## Use cases

Chinese retail + private + SME + commercial + corporate banking via Wireless Industrial Bank mobile + Online Industrial Bank (www.cib.com.cn) + 95561 telephone banking service + Industrial Bank branch network across China + Industrial Bank UnionPay + Visa + Mastercard cards; CNAPS + UnionPay + UnionPay QR + e-CNY (post-PBoC e-CNY pilot expansion).

## Implementations & partners

**Operator**: Industrial Bank Co Ltd (SSE: 601166; Chinese joint-stock commercial bank; top 20 banks in the world; Fortune Global 500); Fujian Provincial Department of Finance + Tobacco China Industry Tobacco Corporation + Hang Seng Bank (HSBC subsidiary; ~10% stake post-2004 strategic investment) + Chinese retail + institutional + foreign investors.

**HSBC + Hang Seng Bank strategic partnership**: **Hang Seng Bank (HSBC subsidiary; ~10% stake post-2004 strategic investment)** distinctive HSBC-Chinese commercial bank strategic alliance.

**Major Chinese banking + payments competitors**: [ICBC Mobile Banking](https://docs.barcoder.ai/docs/wallets/icbc-mobile) (Industrial and Commercial Bank of China; world's largest bank by assets) + [Agricultural Bank of China (ABC Mobile Banking)](https://docs.barcoder.ai/docs/wallets/abc-china) (Agricultural Bank of China; 530M+ ABC Mobile Banking users mid-2025; 870M+ retail user base 2025) + [Bank of China (BoC) Mobile Banking](https://docs.barcoder.ai/docs/wallets/boc-mobile) (Bank of China; Chinese Big-4) + [China Construction Bank (CCB) Mobile Banking](https://docs.barcoder.ai/docs/wallets/ccb-mobile) (China Construction Bank; Chinese Big-4) + [Bank of Communications (BOCOM Mobile Banking)](https://docs.barcoder.ai/docs/wallets/bocom-china) (Bank of Communications; Chinese Big-5; HSBC ~19.03% strategic investor) + [Postal Savings Bank of China (PSBC)](https://docs.barcoder.ai/docs/wallets/psbc) (Postal Savings Bank of China; Chinese Big-6; 390M mobile users early 2025) + [China Merchants Bank (CMB Mobile Banking + CMB Life)](https://docs.barcoder.ai/docs/wallets/cmb-bank) (China Merchants Bank; Chinese retail king; 210M retail customers 2025) + [Ping An Bank](https://docs.barcoder.ai/docs/wallets/ping-an-bank) (Ping An Bank; Ping An Insurance Group ~58% controlling; H1 2025 MSME loan portfolio RMB 499.524B serving 970,000+ customers; first bank to receive 'Asia's Best Digital Bank' award 2020) + [China CITIC Bank](https://docs.barcoder.ai/docs/wallets/citic-bank) (China CITIC Bank; CITIC Group affiliated commercial bank) + [China Everbright Bank](https://docs.barcoder.ai/docs/wallets/everbright-bank) (China Everbright Bank; China Everbright Group affiliated) + [Shanghai Pudong Development Bank (SPD Bank Mobile)](https://docs.barcoder.ai/docs/wallets/spd-bank) (Shanghai Pudong Development Bank; Chinese joint-stock commercial bank) + [Alipay](https://docs.barcoder.ai/docs/wallets/alipay) (Ant Group Alipay; Chinese mobile wallet; 1B+ active users) + [WeChat Pay](https://docs.barcoder.ai/docs/wallets/wechat-pay) (Tencent WeChat Pay; Chinese mobile wallet; >1B users).

**Regulators**: PBoC + NFRA + CSRC.

## Fun facts

- **Chinese joint-stock commercial bank** (Industrial Bank Co Ltd; SSE: 601166).
- **Top 20 banks in the world** distinctive Chinese commercial bank global ranking.
- **Fortune Global 500** distinctive Chinese commercial bank Fortune Global 500 ranking.
- **Founded in Fuzhou City Fujian Province** distinctive Chinese commercial bank Fujian heritage.
- **Registered capital RMB 20.774B** distinctive Chinese commercial bank capital base.
- **Online Industrial Bank (www.cib.com.cn) + telephone banking service 95561 + Wireless Industrial Bank mobile banking service** distinctive Chinese commercial bank digital channels.
- **Aug 26 1988 Industrial Bank founding** distinctive Chinese commercial bank Fujian Province establishment heritage.
- **Feb 5 2007 Industrial Bank SSE IPO under ticker 601166** distinctive Chinese commercial bank Shanghai listing.

## Comparison

| Feature | Industrial Bank | [China Merchants Bank (CMB Mobile Banking + CMB Life)](https://docs.barcoder.ai/docs/wallets/cmb-bank) (China Merchants Bank rival; Chinese retail king; 210M retail customers 2025) | [Ping An Bank](https://docs.barcoder.ai/docs/wallets/ping-an-bank) (Ping An Bank rival; Ping An Insurance Group ~58% controlling) | [China CITIC Bank](https://docs.barcoder.ai/docs/wallets/citic-bank) (China CITIC Bank rival; CITIC Group affiliated commercial bank) | [Shanghai Pudong Development Bank (SPD Bank Mobile)](https://docs.barcoder.ai/docs/wallets/spd-bank) (Shanghai Pudong Development Bank rival; Chinese joint-stock commercial bank) |
|---|---|---|---|---|---|
| Operator | **Industrial Bank Co Ltd (SSE: 601166; Chinese joint-stock commercial bank; top 20 banks in the world; Fortune Global 500)** | China Merchants Bank Co Ltd (HKEX: 3968; SSE: 600036; Chinese retail king commercial bank) | Ping An Bank Co Ltd (SZSE: 000001 (China's first listed stock A-share); Chinese joint-stock commercial bank) | China CITIC Bank Corporation Ltd (HKEX: 998; SSE: 601998; CITIC Group affiliated commercial bank) | Shanghai Pudong Development Bank Co Ltd (SSE: 600000; Chinese joint-stock commercial bank) |
| Type | **Chinese joint-stock commercial bank + top 20 banks in the world + Fortune Global 500 + founded in Fuzhou City Fujian Province + registered capital RMB 20.774B + Online Industrial Bank + telephone banking service 95561 + Wireless Industrial Bank mobile banking service + Hang Seng Bank (HSBC subsidiary) ~10% stake** | Chinese retail king commercial bank + 210M+ retail customers 2025 +6.6% YoY + over half operating income from retail division + Asia's best bank for consumers 2025 Euromoney + CMBC Wallet adoption rate growth +50% YoY | Chinese joint-stock commercial bank + Ping An Insurance Group ~58% controlling + 109 branches + 1,180 retail outlets + H1 2025 MSME loan portfolio RMB 499.524B serving 970,000+ customers + China's first bank to receive 'Asia's Best Digital Bank' award 2020 | CITIC Group affiliated commercial bank | Chinese joint-stock commercial bank + CNY 6B 2023 technology upgrades + 15% increase in online transactions 2023 |
| Country | CN + HK | CN + HK + US + GB + SG + JP + KR | CN + HK | CN + HK | CN + HK + GB + SG + JP + KR + DE + RU |
| Distinctive | **Aug 26 1988 Industrial Bank founding in Fuzhou City Fujian Province (China's joint-stock commercial bank); Feb 5 2007 Industrial Bank SSE IPO under ticker 601166; 2010 Wireless Industrial Bank mobile banking app launch; 2025 Industrial Bank top 20 banks in the world + Fortune Global 500 mainstream commercial banking group** | Apr 8 1987 China Merchants Bank founding in Shekou Industrial Zone Shenzhen; Apr 9 2002 CMB IPO on SSE (600036); Sep 22 2006 CMB H-shares IPO on HKEX (3968); Early 2010 CMB Mobile Banking 1.0 launch | 1987 Shenzhen Development Bank founding (China's first joint-stock commercial bank in Shenzhen); Apr 3 1991 Shenzhen Development Bank IPO on SZSE under ticker 000001 (China's first listed stock A-share); 2012 Shenzhen Development Bank + Ping An Bank merger → Ping An Bank | 1987 China CITIC Bank founding by CITIC Group | 1992 SPDB founding; 1999 SPDB SSE IPO (600000); CNY 6B 2023 technology upgrades; pivot from branch-first retail to digital-first ecosystems 2023-2025 |

## Status

**Active, Chinese joint-stock commercial bank + top 20 banks in the world + Fortune Global 500** <sup>[1][1], [2][2], [3][3]</sup>:
- **Industrial Bank Co Ltd (SSE: 601166; Chinese joint-stock commercial bank; top 20 banks in the world; Fortune Global 500)** since Aug 26 1988 Industrial Bank founding in Fuzhou City Fujian Province + Feb 5 2007 Industrial Bank SSE IPO under ticker 601166 + 2010 Wireless Industrial Bank mobile banking app launch.
- **Industrial Bank top 20 banks in the world + Fortune Global 500 mainstream commercial banking group**.
- **Hang Seng Bank (HSBC subsidiary; ~10% stake post-2004 strategic investment)**.
- **PBoC + NFRA + CSRC regulated**.

## Sources

[1]: https://www.cib.com.cn/en/aboutCIB/investor/profile/index.html "Industrial Bank Co., Ltd. — official"
[2]: https://en.wikipedia.org/wiki/Industrial_Bank_(China) "Industrial Bank (China) — Wikipedia"
[3]: https://grokipedia.com/page/Industrial_Bank_(China) "Industrial Bank (China) — Grokipedia"
[cn-cro]: https://docs.barcoder.ai/docs/payments/CN

- [1] [Industrial Bank Co., Ltd. — official][1]
- [2] [Industrial Bank (China) — Wikipedia][2]
- [3] [Industrial Bank (China) — Grokipedia][3]
- <sup>[China report](https://docs.barcoder.ai/docs/payments/CN)</sup> In-corpus: `reports/countries/CN-china.md`

## Source

Biography extracted from [industrial-bank-china.md](https://docs.barcoder.ai/source/wallets/industrial-bank-china). See `matrix.md` for standards-support matrix if present.