Agricultural Bank of China (ABC) published its 2025 Sustainability Report, highlighting continued balance-sheet expansion alongside sharper environmental and social targeting. Total assets rose to RMB 48.78 trillion, while net profit grew to RMB 292.00 billion and the capital adequacy ratio stood at 17.93 %.
Key green-finance indicators kept double-digit momentum. The green-loan book climbed 18.7 % year-on-year to RMB 5.93 trillion; proprietary green-bond holdings expanded 36.6 % to RMB 157.80 billion. During the year ABC issued RMB 66.00 billion of green bonds and underwrote a further RMB 61.10 billion. The bank estimates its green loans helped cut carbon-dioxide emissions by 170 million tonnes in 2025. Group-wide Scope 1 and 2 emissions were 2.05 million tonnes of CO₂-equivalent, down from 2.14 million tonnes in 2024.
Inclusive and rural finance remained core pillars. Loans to County Areas hit RMB 10.90 trillion, up 11 %, accounting for 41 % of domestic lending. Inclusive loans reached RMB 4.35 trillion, a 20.9 % increase, while the Huinong e-loan balance rose 22.9 % to RMB 1.84 trillion. Support for the 832 counties lifted out of poverty totalled RMB 2.53 trillion, and credit to 160 key revitalisation counties grew 9.9 % to RMB 480.00 billion.
Governance measures were reinforced: the Board added sustainability oversight to five specialist committees; a Green Finance/Carbon Neutrality Working Committee led by the president now coordinates execution. ESG reviews covered 61 000 products and transactions, and 74 000 compliance comments were issued. Staff training on consumer-protection and ESG topics exceeded 7 400 sessions with full coverage.
ABC also detailed social contributions—RMB 1.23 billion in donations and 193 000 volunteer hours—and confirmed 100 % social-insurance coverage for its 457 835 employees. Looking ahead, the bank targets faster green-and-inclusive-finance growth than total loan expansion, continued carbon-intensity cuts, and full achievement of national rural-revitalisation objectives.
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