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Agricultural Bank of China (1288) investor relations material
Agricultural Bank of China H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary28 Aug, 2025
Executive summary
Net profit increased by 5.3% year-over-year in H1 2025, with operating revenue and income both showing positive growth and sequential improvement from Q1.
Achieved net profit of RMB139.9 billion for H1 2025, up 2.5% year-over-year, with operating income of RMB369.8 billion, up 0.7% year-over-year.
Asset quality improved: NPL ratio down by 2 bps, special mention loans down by 1 bp, and overdue loans at a low 2.2%.
Total assets reached RMB46.86 trillion, up 8.4% from end-2024; total loans and advances to customers rose to RMB26.73 trillion, up 7.3%.
Maintained leading position in rural, inclusive, green, and digital finance.
Financial highlights
Net profit up 5.3% year-over-year; operating revenue and income both increased.
Net interest income was RMB282.5 billion, down 2.9% year-over-year due to lower asset yields.
New loans issued: RMB 129 billion, 9.3% growth; personal loans at RMB 3.87 trillion, up 9.3%.
Inclusive finance loan balance at RMB 4.24 trillion, leading industry peers.
NIM for H1 was 1.32%, down 10 bps year-over-year, but showing signs of stabilization.
Outlook and guidance
Expectation of stable NIM and continued steady profit growth in H2, supported by macroeconomic resilience and government policy.
Will focus on rural revitalization, urban-rural integration, technology finance, and risk management.
Plans to maintain robust loan growth in county and agriculture-related areas, and further digital transformation.
Net interest margin trend: What is the outlook?
Growth drivers for technology and green loans?
Allowance to NPL ratio: Why the decrease?
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Next Agricultural Bank of China earnings date
Q3 202530 Oct, 2025
Next Agricultural Bank of China earnings date
Q3 202530 Oct, 2025
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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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