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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 annualized ROA at 0.65% and ROE at 10.47%.
Operating income for the same period increased 1.87% year-over-year to RMB550,774 million, while net interest income declined 2.40% to RMB427,308 million.
Net fee and commission income grew 13.34% year-over-year, offsetting the decline in net interest income.
Financial highlights
Q3 2025 operating income was RMB180,981 million, up 4.30% from Q3 2024; net profit attributable to equity holders was RMB81,349 million, up 3.66% year-over-year.
Basic and diluted EPS for Q3 2025 were RMB0.22, up 15.79% year-over-year; for the nine months, EPS was RMB0.59, up 5.36%.
Total assets reached RMB48,135,429 million at 30 September 2025, up 11.33% from year-end 2024.
Total loans and advances to customers increased 8.36% to RMB26,987,574 million; deposits from customers rose 5.82% to RMB32,067,823 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 for 2025 of RMB1.195 per ten shares proposed, pending shareholder approval.
Board approved interim profit distribution and preference share dividend payment plans.
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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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