Agricultural Bank of China (01288) has announced its annual results for the period ending December 31, 2025. The group achieved operating revenue of 725.131 billion yuan, marking a year-on-year increase of 1.92%. Net profit attributable to shareholders of the parent company amounted to 291.041 billion yuan, rising by 3.18% compared to the previous year. Basic earnings per share were reported at 0.78 yuan.
The bank's business operations demonstrated steady growth, further solidifying its operational foundation. Profitability remained robust, with both net profit and operating revenue sustaining positive growth trends. Specifically, net profit reached 292 billion yuan, up 3.3% year-on-year, while operating revenue totaled 725.1 billion yuan, an increase of 1.9%.
Asset quality remained strong. The non-performing loan ratio stood at 1.27%, declining by 3 basis points from the end of the previous year. The overdue loan ratio was 1.25%, maintaining a superior level compared to industry peers. With the overdue loan ratio lower than the non-performing loan ratio, the bank demonstrated stringent asset quality recognition standards. The loan provision balance remained above one trillion yuan, and the provision coverage ratio was 292.55%, indicating a strong capacity to absorb potential risks.
Total financing exhibited reasonable growth. Total assets reached 48.8 trillion yuan, of which total loans amounted to 27.13 trillion yuan, increasing by 2.23 trillion yuan. Financial investments totaled 16.3 trillion yuan, rising by 2.47 trillion yuan.
The stability of deposits continued to improve. Total customer deposits across all categories reached 38.69 trillion yuan, with an increase of 3.71 trillion yuan. The deviation ratio for domestic and foreign currency deposits was 0.58%, ranking as the best among comparable peers and the only institution to remain below 3% for seven consecutive quarters.
Financial services supporting rural revitalization became more focused and substantial. Loan growth in county areas consistently outpaced the bank's overall average. The bank fully supported comprehensive rural revitalization and integrated urban-rural development. The outstanding loan balance in county areas reached 10.9 trillion yuan, growing by 11.0%, accounting for 41.0% of domestic loans. For the fifth consecutive year, the bank received the highest "Excellent" rating in the regulatory assessment for serving rural revitalization, making it the only one among 20 national financial institutions to achieve this.
Financial services in key sectors were continuously enhanced. Focusing on critical areas and weaker links such as ensuring national food security, rural industries, rural construction, and rural reforms, the bank consistently leveraged finance to strengthen, benefit, and enrich agriculture and rural areas. Outstanding loan balances in sectors related to grain and essential agricultural product supply, rural industries, and rural construction were 1.21 trillion yuan, 2.66 trillion yuan, and 2.46 trillion yuan, respectively, with growth rates of 20.3%, 19.5%, and 9.6%. These growth rates exceeded the bank's overall average by 11.4, 10.6, and 0.7 percentage points, respectively. The bank implemented tailored financial services with "one archive per county" and "one strategy per county" for key assisted regions. The outstanding loan balance in 160 national key counties for rural revitalization reached 480 billion yuan, growing by 9.9%.
Service coverage was further expanded. The bank relocated 179 branches to townships and established 1,742 agricultural benefit service stations, continuously improving service coverage in township areas. The number of monthly active mobile banking users in county areas reached 130 million. The outstanding balance of "Agricultural Benefit e-Loans" was 1.84 trillion yuan, growing by 22.9%, enhancing the convenience and accessibility of financial services for farmers.
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