. 关于中国农业银行股份有限公司 2025 年度非经营性资金占用及其他关联资金往来情况的专项说明 the state KPMG Huazhen LLP 8th Floor, KPMG Tower Oriental Plaza 1 East Chang An Avenue Beiiing 100738 China Telephone +86 (10) 8508 5000 +86 (10) 8518 5111 Fax Internet kpmg.com/cn 出马威华振会计师事务所 (特殊普通合伙) 中国北京 乐长安街 1号 东方广场毕马威大楼 8 层 邮政编码:100738 +86 (10) 8508 5000 +86 (10) 8518 5111 kpma.com/cn 关于中国农业银行股份有限公司 2025 年度非经营性资金占用及其他关联资金往来情况的专项说明 毕马威华振专字第 2601763 号 中国农业银行股份有限公司董事会： 我们接受委托，按照中国注册会计师审计准则审计了中国农业银行股份有限公司（以 下简称"农业银行"）2025 年度的财务报表，包括 2025 年 12 月 31 日的合并及母公司资产 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任 何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責 任。 AGRICULTURAL BANK OF CHINA LIMITED 1288 董事名單與其角色和職能 中國農業銀行股份有限公司（「本行」）董事會（「董事會」）成員載列如下。 執行董事 谷 澍 王志恒 劉 洪 林 立 獨立非執行董事 吳聯生 汪昌雲 鞠建東 莊毓敏 C 有關委員會的主席 VC 有關委員會的副主席 M 有關委員會的成員 張 琦 王沛詩 非執行董事 周 濟 李 蔚 劉曉鵬 張 奇 張洪武 - 1 - 董事會設立7個專門委員會。下表提供各董事會成員在這些委員會中所擔任的職位。 | 委員會 | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 戰略規劃 | 「三農」 金融與 | | | 風險 管理與 | | | | | | 與可持續 | 普惠金融 | 提名與 | | 消費者 | 關聯交易 | ...

证券代码：601288 证券简称：农业银行 公告编号：临 2026-006 号 中国农业银行股份有限公司 董事会决议公告 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。 中国农业银行股份有限公司（以下简称"本行"）董事会于2026 年3月13日以书面形式发出会议通知，于2026年3月30日在北京以现 场方式召开会议。会议应出席董事15名，亲自出席董事15名。会议 召开符合法律法规、《中国农业银行股份有限公司章程》（以下简 称"《公司章程》"）及《中国农业银行股份有限公司董事会议事 规则》的规定。 会议由谷澍董事长主持，审议并通过了以下议案： 一、中国农业银行股份有限公司董事会2025年度工作报告 议案表决情况：有效表决票15票，同意15票，反对0票，弃权0 票。 本议案尚需提交本行股东会审议通过。 独立董事发表如下意见：经核查相关文件并沟通了解，我们认 为，2025年度利润分配方案符合有关法律法规、部门规章、规范性 文件、《公司章程》的要求，不存在损害本行及股东合法权益的情 形。我们同意该议案。 本议案尚需 ...

Core Viewpoint - Agricultural Bank of China reported a positive growth in both revenue and net profit for the previous year, indicating a stable performance and a focus on risk management and credit support for the real economy [1][2]. Financial Performance - In the last year, Agricultural Bank achieved a revenue of 725.3 billion yuan, a year-on-year increase of 2.1%, and a net profit of 292 billion yuan, up 3.3% [1]. - The total assets reached 48.8 trillion yuan, with total loans amounting to 27.13 trillion yuan, growing at a rate of 8.9% [1]. - Customer deposits increased by 3.71 trillion yuan, totaling 38.69 trillion yuan, with an average daily deposit balance of 30.81 trillion yuan [1]. Asset Quality and Risk Management - The bank's non-performing loan (NPL) ratio has decreased for five consecutive years, maintaining a level of 0.89% for the last three years [2][3]. - The bank emphasizes risk management as a core theme, with a robust system in place to manage retail loan risks and a focus on preventing illegal intermediary involvement [3]. Credit Strategy and Focus Areas - The bank plans to maintain its credit support for the real economy, with expected growth rates similar to the previous year [2]. - Key focus areas for credit allocation include rural revitalization, support for modern industrial systems, and enhancing financial services for small and micro enterprises [2]. Wealth Management - The bank's wealth management products have shown stable growth, with a year-end balance of 2.1513 trillion yuan, increasing by 9.2% [3]. - The bank aims to enhance its wealth management services to foster patient capital and increase residents' property income [4].

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任 何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責 任。 AGRICULTURAL BANK OF CHINA LIMITED 1288 董事會決議公告 中國農業銀行股份有限公司（「本行」）董事會（「董事會」）於2026年3月13日以書面形式發出 會議通知，於2026年3月30日在北京以現場方式召開會議（「會議」）。會議應出席董事15 名，親自出席董事1 5名。會議召開符合法律法規、《中國農業銀行股份有限公司章 程》（「本行章程」）及《中國農業銀行股份有限公司董事會議事規則》的規定。 - 1 - 2. 調整中國農業銀行股份有限公司董事會審計委員會成員 劉曉鵬先生與審議事項存在利害關係，迴避表決。 議案表決情況：有效表決票14票，同意14票，反對0票，棄權0票。 會議決定劉曉鵬先生擔任董事會審計委員會副主席和委員職務。 會議由谷澍董事長主持，審議並通過了以下議案： 1. 中國農業銀行股份有限公司2025年度利潤分配方案 議案表決情況：有效表決票15票，同意15票 ...

Core Viewpoint - Agricultural Bank of China reported a net profit of 292 billion yuan for 2025, reflecting a year-on-year growth of 3.3%, and total assets reached 48.8 trillion yuan, with a loan total of 27.13 trillion yuan, showing an 8.9% increase in new loans [1] Group 1: Financial Performance - In 2025, Agricultural Bank achieved an operating income of 725.3 billion yuan, which is a 2.1% increase year-on-year [1] - The total loan amount reached 27.13 trillion yuan, with an increase of 2.23 trillion yuan, marking an 8.9% growth [1] Group 2: 2026 Credit Strategy - For 2026, the bank plans to maintain a credit growth rate similar to that of 2025, aligning with the government's GDP growth target of 4.5%-5% [1] - The bank aims to support the real economy through credit, focusing on major projects and reforms outlined in the government work report [1] Group 3: Key Focus Areas for Credit Allocation - The bank will emphasize support for agriculture and rural revitalization, enhancing financial services across the entire grain supply chain and promoting rural construction [2] - It will also focus on expanding domestic demand by supporting key projects in transportation and energy, as well as boosting consumer finance in traditional and new consumption sectors [2] - The bank plans to support the construction of a modern industrial system by providing financing for traditional industry upgrades and fostering new industries through innovative financial services [3] - Additionally, it will deepen inclusive financial services for small and micro enterprises, ensuring stable growth in loans for these sectors [3]

对于2026年的经营前景，王志恒明确表示管理层充满信心。他透露，从今年前两个月情况看，农业银行 业务经营继续保持稳中向好态势，实体贷款增加1.1万亿，实现同比多增；财务运行方面，息差企稳趋 势明显，利息净收入增速同比转正，有望在一季度迎来拐点，进一步印证了息差积极变动的态势。"在 此背景下，营业收入继续向好的态势是很明显的，为全行盈利增长打下了坚实的基础。" 为延续当前良好发展态势，王志恒介绍，下一阶段农业银行将保持战略定力，在持续优化金融服务的基 础上，更好统筹量价显效，深入推进增收节支降本增效，把当前良好发展态势努力延续下去，着重做好 三个方面的工作。 一是巩固利息净收入的增速转正，加强量价协同管理，努力推动利息净收入正增长。一方面在规模方 面，深挖有效的信贷需求，加大实体贷款的投放，持续调优资产结构，推动生息资产总量结构协调发 展。同时加强精细化的定价管理，提升资产的边际收益，进一步夯实客户基础，做好低成本稳定性资金 的组织，灵活安排主动负债，推动存款成本的进一步下降。 北京商报讯（记者 孟凡霞 周义力）3月30日，农业银行召开2025年度业绩发布会，该行行长王志恒在会 上详细介绍了该行2025年经营业 ...

EF002 免責聲明 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 | | | --- | --- | | 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 中國農業銀行股份有限公司 | | 股份代號 | 01288 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 建議派發截至2025年12月31日止年度之末期股息 | | 公告日期 | 2026年3月30日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 末期 | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年12月31日 | | 宣派股息 | 每 10 股 1.3 RMB | | 股東批准日期 | 有待公佈 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | HKD， 金額有待公佈 | | 匯率 ...

Core Viewpoint - Agricultural Bank emphasizes its commitment to rural revitalization as a core responsibility and strategic focus, highlighting it as a competitive advantage [1][4]. Group 1: Performance Highlights - In the past year, Agricultural Bank has significantly contributed to rural financing, with daily deposits and loan increments in county areas exceeding 1 trillion yuan, with increases of 10.5% and 1.4% respectively compared to the previous year [1][4]. - The balance of loans to farmers has surpassed 1.8 trillion yuan, with an increase of 337.7 billion yuan, reflecting a growth rate of 22.4%. Loans in key areas such as rural industries have grown at a rate significantly higher than the overall loan growth [1][4]. - The non-performing loan ratio in county areas has decreased by 0.08 percentage points since the beginning of the year, indicating stable asset quality [1][4]. Group 2: Future Goals and Strategies - For 2026, Agricultural Bank aims to align closely with national rural work directives and plans, setting goals to consolidate the proportion of county loans and maintain service advantages in these areas [1][5]. - The bank plans to increase policy resource investment to enhance financial service capabilities, focusing on five key areas: 1. Strengthening services for key rural revitalization projects, targeting a net increase of over 1 trillion yuan in county loans [2][6]. 2. Improving financial service capabilities at the village and township levels, with a goal to relocate 180 inefficient branches and establish 3,000 agricultural service stations by year-end [2][6]. 3. Innovating financial products and models in agriculture, including the use of AI and advanced data systems [3][7]. 4. Maintaining regular financial support, particularly for vulnerable populations and underdeveloped areas [3][7]. 5. Enhancing risk compliance management in county operations to ensure sustainable development [3][7].

Core Viewpoint - Agricultural Bank emphasizes that risk management will be the critical differentiator for commercial banks in the next 2-3 years, maintaining overall asset quality stability [1][2]. Risk Management Strategy - The bank focuses on five key areas for risk management: prudent and steady operations, systemic thinking, quality and efficiency in development, problem-oriented approaches, and bottom-line thinking [1][2]. - Agricultural Bank aims to enhance its risk control framework for inclusive retail banking, improve management mechanisms, strengthen its digital risk control center, and accelerate the development of smart disposal platforms [1][2]. Focus Areas for Risk Control - In the real estate sector, the bank will avoid blind withdrawal, pressure, or cessation of loans, while increasing support for quality projects and adhering to the red line of not increasing hidden local government debt [1][2]. - The bank plans to optimize credit structure by reducing loans to outdated capacities and inefficient clients, while managing risks associated with emerging capacity excess [1][2].