The Agricultural Bank of China (01288) reported a net profit attributable to equity holders of RMB 220.859 billion in the first three quarters, representing a year-on-year increase of 3.03%.

The Agricultural Bank of China (01288) announced that as of the end of September 30, 2025, the group achieved a net profit of 2223.23 billion yuan, an increase of 3.28% year-on-year. The net profit attributable to the parent company's shareholders was 2208.59 billion yuan, an increase of 3.03% year-on-year. The annualized average total asset return rate was 0.65%, a decrease of 0.04 percentage points year-on-year; the annualized weighted average return on net assets was 10.47%, a decrease of 0.32 percentage points year-on-year. Basic earnings per share was 0.59 yuan, an increase of 0.03 yuan year-on-year. As of the end of September 30, 2025, the group achieved operating income of 5507.74 billion yuan, an increase of 1.87% year-on-year. Net interest income was 4273.08 billion yuan, a decrease of 2.40% year-on-year. The net interest margin was 1.30%. Net fee and commission income was 698.77 billion yuan, an increase of 13.34% year-on-year. Operating expenses were 1746.69 billion yuan, an increase of 3.84% year-on-year; cost-to-income ratio (Chinese accounting standards) was 29.14%, an increase of 0.20 percentage points year-on-year. Credit impairment losses were 1274.03 billion yuan, a decrease of 36.43 billion yuan year-on-year. As of September 30, 2025, the capital adequacy ratio, Tier 1 capital adequacy ratio, and core Tier 1 capital adequacy ratio calculated according to the "Capital Management Measures for Commercial Banks" were 17.78%, 12.92%, and 11.16% respectively. The average liquidity coverage ratio for the third quarter of 2025 was 130.25%.