Core Viewpoint - Agricultural Bank of China reported a continued "double positive growth" in net profit and operating income for the year 2025, indicating stable financial performance [1] Financial Performance - Net profit reached 292 billion yuan, representing a year-on-year increase of 3.3% [1] - Operating income totaled 725.3 billion yuan, with a year-on-year growth of 2.1% [1] Asset Quality - Non-performing loan (NPL) ratio stood at 1.27%, a decrease of 3 basis points from the previous year [1] - Overdue loan ratio was recorded at 1.25%, which is lower than the NPL ratio, reflecting strict asset quality assessment standards [1] - Loan provision balance remained above 1 trillion yuan, with a provision coverage ratio of 292.55%, indicating strong risk mitigation capability [1] Asset Scale - Total assets of Agricultural Bank of China amounted to 48.8 trillion yuan, with total loans of 27.13 trillion yuan, an increase of 2.23 trillion yuan [1] - Financial investments reached 16.3 trillion yuan, with an increase of 2.47 trillion yuan [1] - Total customer deposits stood at 38.69 trillion yuan, with an increase of 3.71 trillion yuan, showing improved deposit stability [1] - The foreign and domestic currency deposit deviation rate was 0.58%, the best among peers and consistently below 3% for seven consecutive quarters [1]

Core Viewpoint - Agricultural Bank demonstrated strong resilience in financial growth for 2025, achieving continuous positive growth in operating income and an increasing net profit growth rate, leading the industry for six consecutive years in net profit growth and reaching a historical high in operating income [1] Group 1: Financial Performance - The bank's operating income has shown positive growth for two consecutive years, with net profit growth accelerating year by year [1] - In the first two months of the year, the bank's entity loans increased by 1.1 trillion yuan, showing a year-on-year increase [3] - The net interest income growth rate has turned positive, indicating a potential turning point in the first quarter [3] Group 2: Growth Drivers - The bank aims to consolidate the positive growth of net interest income by enhancing the management of quantity and price, focusing on effective credit demand and optimizing asset structure [3] - There is a plan to actively expand non-interest income by leveraging consumer policy and capital market reforms, enhancing wealth management services, and optimizing investment strategies [3][4] Group 3: Risk and Cost Management - The bank emphasizes the importance of controlling credit risk in key areas, stabilizing asset quality, and reducing risk costs [4] - There is a focus on centralized and refined management to reduce unnecessary expenditures while achieving higher returns [4] Group 4: Strategic Outlook - The bank is committed to maintaining strategic determination, optimizing financial services, and continuing to enhance revenue while reducing costs to sustain the current positive development trend [5]

Core Viewpoint - Agricultural Bank emphasizes that risk management will be a critical differentiator for commercial banks in the next 2-3 years, as products and services may become increasingly homogeneous [1] Group 1: Risk Management Measures - Agricultural Bank reported a non-performing loan (NPL) ratio of 1.27% for 2025, a decrease of 3 basis points from the beginning of the year, and an overdue loan ratio of 1.25%, maintaining the best level among peers [1] - The bank's provision coverage ratio stands at 292.55%, with provision balances exceeding one trillion yuan, indicating strong risk mitigation capabilities [1] - The bank focuses on five key areas for risk management: prudent operation, systemic thinking, quality and efficiency in development, problem orientation, and bottom-line thinking [1] Group 2: Inclusive Retail Business Risk Control - The bank has established a tiered marketing system to promote new business models, focusing on local characteristics and industries to create tailored credit solutions [2] - A small loan approach has been adopted to enhance coverage and accessibility for inclusive retail customers while controlling overall risk within acceptable limits [2] - Unified credit management for personal customers is implemented, coordinating various financial products to prevent overlapping credit and excessive borrowing [2] Group 3: Technological Empowerment and Process Optimization - The bank has introduced a tool called "Agricultural Bank version of 'Lobster'" to automate data analysis and generate due diligence reports, streamlining the loan process [3] - A new mechanism has been established to separate loan approval processes, ensuring checks and balances while preventing the involvement of intermediaries in credit operations [3] - Technological advancements are leveraged to enhance risk control capabilities, utilizing AI and big data to improve the accuracy of risk models and preemptive alerts [3]

Core Viewpoint - Agricultural Bank of China emphasizes its commitment to high-quality development and risk prevention while achieving stable business growth and enhancing service to the real economy in its 2025 annual report [1][10]. Group 1: Business Performance - The bank's total loan balance reached 27.13 trillion yuan, an increase of 2.23 trillion yuan from the previous year [4][13]. - Personal, inclusive, and private enterprise loans exceeded 9 trillion yuan, 4 trillion yuan, and 7 trillion yuan respectively, leading the industry [4][13]. - The balance of "Huinong e-loan" reached 1.84 trillion yuan, quadrupling during the "14th Five-Year Plan" period [3][12]. Group 2: Service to Agriculture - The bank has reinforced its commitment to serving the agricultural sector, with county loans increasing by over 1 trillion yuan annually for four consecutive years, totaling 10.9 trillion yuan [3][12]. - The bank has developed a comprehensive service channel system, enhancing its ability to serve rural areas through various platforms [3][12]. - Loans in key areas such as food supply and rural construction grew by 20.3%, 19.5%, and 9.6% respectively, with growth rates in poverty alleviation counties exceeding the bank's average [3][12]. Group 3: Customer Service Enhancement - The bank has expanded its customer base to 896 million personal customers, managing financial assets of 24.7 trillion yuan, an increase of 2.4 trillion yuan from the previous year [5][15]. - The number of corporate customers reached 13.29 million, with an increase of 1.16 million, ranking high among peers [5][15]. - The bank has improved its service quality by diversifying its product offerings and enhancing customer protection measures [5][15]. Group 4: Innovation and Technology - The bank is advancing its smart banking initiatives, integrating data and AI applications to enhance operational efficiency [6][16]. - A robust AI capability system is being developed to support applications in credit, operations, and office management [6][16]. - The bank is focusing on automating and digitizing repetitive tasks to alleviate burdens on grassroots operations [7][16]. Group 5: Risk Management - The bank maintains a strong focus on risk prevention, with a non-performing loan rate of 1.27%, down by 0.03 percentage points from the previous year [8][17]. - A comprehensive risk management system is in place, ensuring that risk management practices are embedded throughout the organization [8][17]. - The bank is actively addressing risks in key areas such as real estate and local government debt [8][17].

Core Viewpoint - Agricultural Bank of China reported a steady growth in net profit and operating income for the year 2025, with net profit reaching 292 billion yuan, a year-on-year increase of 3.3%, and operating income at 725.3 billion yuan, up 2.1% [1] Financial Performance - The total assets of Agricultural Bank of China reached 48.8 trillion yuan by the end of 2025, with total loans amounting to 27.13 trillion yuan, an increase of 2.23 trillion yuan, reflecting a growth rate of 8.9% [1] - The total customer deposit balance was 38.69 trillion yuan, with an increase of 3.71 trillion yuan [1] - The non-performing loan ratio improved to 1.27%, a decrease of 3 basis points from the beginning of the year [1] - The bank proposed a final dividend of 1.300 yuan per 10 shares, totaling 45.498 billion yuan, maintaining a cash dividend ratio of 30% [1] Business Strategy - The bank's loan issuance in 2025 showed stable growth and structural optimization, focusing on four key areas: 1. Emphasizing support for "Three Rural Issues" and rural revitalization, including financial services for grain production and high-standard farmland construction [2] 2. Supporting domestic demand through major projects in transportation and energy, and expanding consumer finance in traditional and new consumption sectors [2] 3. Aiding the construction of a modern industrial system by providing financing for traditional industries and fostering new production capabilities through technological financial services [2] 4. Enhancing inclusive financial services for small and micro enterprises, while addressing residents' needs in housing, education, and healthcare [3]

可持续发展报告摘要 证券代码：601288 证券简称：农业银行 中国农业银行股份有限公司 2025年度可持续发展报告摘要 1 / 8 可持续发展报告摘要 第一节 重要提示 1、本摘要来自于《中国农业银行股份有限公司 2025 年度可持续发展报告》（以下简 称"可持续发展报告"）全文，为全面了解中国农业银行股份有限公司（以下简称"本 行"）环境、社会和公司治理议题的相关影响、风险和机遇，以及本行可持续发展战 略等相关事项，投资者应当到 www.sse.com.cn 网站仔细阅读可持续发展报告全文。 2、中国农业银行股份有限公司 2025 年度可持续发展报告经本行董事会审议通过。 3、毕马威华振会计师事务所（特殊普通合伙）为可持续发展报告选定的信息出具了 鉴证报告。 2 / 8 可持续发展报告摘要 第二节 报告基本情况 1、基本信息 | 股票代码 | 601288 | | | | --- | --- | --- | --- | | 公司简称 | 农业银行 | | | | 公司名称 | 中国农业银行股份有限公司 | | | | 报告范围 | 报告主体为中国农业银行股份有限公司及其子公司，与本 | | | | | 行 ...

证券代码：601288 证券简称：农业银行 公告编号：临 2026-007 号 中国农业银行股份有限公司 2025 年度利润分配方案公告 中国农业银行股份有限公司董事会及全体董事保证本公告内容不存在任何 虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担法律责任。 重要内容提示： 每股分配金额：每股普通股派发末期现金股息人民币 0.1300 元（含税）。 本行拟以 349,983,033,873 股普通股为基数向普通股股东 派发 2025 年度末期现金股息。A 股股息预计将于 2026 年 5 月 13 日支付，H 股股息预计将于 2026 年 6 月 16 日支付，具体日 期以权益分派实施相关公告中明确的日期为准。 本次利润分配方案尚需提交本行股东会审议通过后方可 实施。 本行不触及《上海证券交易所股票上市规则》（以下简 称《股票上市规则》）第 9.8.1 条第一款第（八）项规定的可能 被实施其他风险警示的情形。 一、利润分配方案内容 经毕马威华振会计师事务所（特殊普通合伙）和毕马威会计 师事务所审计，中国农业银行股份有限公司（以下简称"本行"） 2025 年归属于母公司股东净利润为 ...

《中國農業銀行股份有限公司 2025 年度第三支柱信息披露報告》根據《商業銀行資本管 理辦法》（國家金融監督管理總局令 2023 年第 4 號）及相關規定編製並披露。 報告包括風險管理、關鍵審慎監管指標和風險加權資產概覽，資本和總損失吸收能力的 構成，財務報表與監管風險暴露間的聯繫，薪酬，信用風險，交易對手信用風險，資產證券 化，市場風險，操作風險，銀行賬簿利率風險，宏觀審慎監管措施，槓桿率，流動性風險等 內容。 本行建立完善的信息披露治理結構，由董事會批准並由高級管理層實施有效的內部控制 流程，對信息披露內容進行合理審查，確保第三支柱披露信息真實、可靠。2026 年 3 月 30 日，本行董事會 2026 年第 2 次會議審議通過了本報告。 中國農業銀行股份有限公司 2025 年度 第三支柱信息披露報告 | 1. | 引言 1 | | --- | --- | | 2. | 風險管理、關鍵審慎監管指標和風險加權資產概覽 2 | | 3. | 資本和總損失吸收能力的構成 11 | | 4. | 財務報表與監管風險暴露間的聯繫 19 | | 5. | 薪酬 20 | | 6. | 信用風險 22 | | 7. | ...

中国农业银行股份有限公司 内部控制审计报告 KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 Fax +86 (10) 8518 5111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86 (10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 内部控制审计报告 毕马威华振审字第 2606838 号 中国农业银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计了中国 农业银行股份有限公司(以下简称"贵行") 2025年12月31日的财务报告内部控制的有效性。 一、 企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指引》 的规定，建立健全和有效 ...

中国农业银行股份有限公司独立董事 2025 年度休职报告 2025 年,中国农业银行股份有限公司(以下简称"本行")独 立董事团队秉持高度的责任心与使命感,严格遵循境内外法律法 规、规范性文件以及《中国农业银行股份有限公司章程》《中国 农业银行股份有限公司独立董事工作制度》等相关制度规定,恪 尽职守,勤勉履职,积极出席股东会、董事会及董事会专门委员 会等各项会议。凭借国际化视野与专业化能力,对重要及重大事 项发表独立意见,充分发挥独立董事参与决策、监督制衡、专业 咨询的作用,推动本行治理效能不断提升,切实维护本行和全体 股东的合法权益。现将 2025年度独立董事的履职情况详细报告 如下: 附件: 一、中国农业银行独立董事 2025年度述职报告(吴联生) 二、中国农业银行独立董事 2025年度述职报告(汪昌云) 三、中国农业银行独立董事 2025年度述职报告(鞠建东) 四、中国农业银行独立董事 2025年度述职报告(庄毓敏) 五、中国农业银行独立董事 2025年度述职报告(张 琦) 六、中国农业银行独立董事 2025年度述职报告(王沛诗) 七、中国农业银行独立董事 2025年度述职报告(梁高美懿) 2026年3 ...