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Agricultural Bank of China (1288) investor relations material
Agricultural Bank of China Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net profit for the nine months ended 30 September 2025 rose 3.28% year-over-year to RMB222,323 million, with basic EPS up to RMB0.59, a RMB0.03 increase year-over-year.
Operating income for the same period increased 1.87% year-over-year to RMB550,774 million.
Total assets reached RMB48,135,429 million, up 11.33% from year-end 2024.
Financial highlights
Net interest income for the nine months was RMB427,308 million, down 2.40% year-over-year; net interest margin was 1.30%.
Net fee and commission income grew 13.34% year-over-year to RMB69,877 million.
Operating expenses rose 3.84% year-over-year to RMB174,669 million; cost-to-income ratio increased to 29.14%.
Credit impairment losses decreased by RMB3,643 million year-over-year to RMB127,403 million.
Non-performing loan ratio improved by 0.03 percentage points to 1.27%; allowance to NPLs was 295.08%.
Outlook and guidance
Interim cash dividend of RMB1.195 per ten shares proposed for 2025, pending shareholder approval.
Dividends for A shares expected on 15 December 2025 and for H shares on 26 January 2026.
Net interest income vs. fee income trends
Reconcile NPL ratio drop with NPL balance rise
Rationale for recent capital bond transactions
Partial view of Summaries dataset, powered by Quartr API
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Next Agricultural Bank of China earnings date
H2 202527 Mar, 2026
Next Agricultural Bank of China earnings date
H2 202527 Mar, 2026
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Frequently asked questions
Agricultural Bank of China Limited is a Chinese financial institution providing a wide range of banking and financial services. Its offerings include corporate and personal banking, wealth management, loans, and credit card services. The bank also supports rural development through specialized financial products and services tailored to the agricultural sector. The company is headquartered in Beijing, China, and its shares are listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange.
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