By Ziyi Tang and Engen Tham BEIJING/SHANGHAI, April 29 (Reuters) - Five of China's largest lenders reported net profit growth over 3% in the first quarter of this year on Wednesday, as bad debt ratios remained steady. Industrial and Commercial Bank of China, the world's largest lender by assets, reported a 3.31% rise in first-quarter net profit year-on-year, hitting 86.941 billion yuan ($12.72 billion).