Agricultural Bank of China Limited reported its unaudited consolidated results for the third quarter ended 30 September 2025. Operating income reached RMB180,981 million for the quarter, a 4.30% rise compared to the same period in 2024. Net profit attributable to equity holders amounted to RMB81,349 million, increasing by 3.66% year-on-year. For the first nine months of 2025, net profit totaled RMB222,323 million, up 3.28% compared to the same period last year, while net interest margin stood at 1.30%.

As of 30 September 2025, total assets expanded to RMB48,135,429 million, marking an 11.33% increase from the end of 2024. Loans and advances to customers reached RMB26,987,574 million, and customer deposits rose to RMB32,067,823 million. The non-performing loan ratio was 1.27%, reflecting a 0.03 percentage point reduction from the end of 2024. Allowance to non-performing loans remained robust at 295.08%.

During the reporting period, the bank issued RMB120.0 billion in Tier 2 capital bonds and RMB50.0 billion in total loss-absorbing capacity eligible non-capital bonds. A set of undated additional Tier 1 capital bonds valued at RMB35.0 billion was also redeemed. In terms of shareholder returns, the bank finalized and distributed a 2024 final cash dividend of RMB0.1255 per ordinary share. Additionally, the board has approved a proposal for interim 2025 dividends of RMB1.195 per ten shares, with distribution subject to shareholder meeting approval. The bank will also pay preference share dividends for “農行優1” on 5 November 2025.

The company’s management highlights that its liquidity coverage ratio, capital adequacy ratio, and asset quality indicators remained steady. Detailed disclosures, including the bank’s Pillar 3 Report for the third quarter of 2025 and financial statements under both IFRS and PRC GAAP, are available on its official websites.