2025-10-30 11:25Financial Performance - The total operating income for the third quarter was RMB 180,939 million, representing a year-on-year increase of 4.36%[8] - The net profit attributable to shareholders of the parent company reached RMB 81,349 million, up 3.66% compared to the same period last year[8] - The net cash flow from operating activities for the year-to-date period was RMB 2,034,128 million, reflecting an increase of 8.49%[8] - For the nine months ended September 30, 2025, the group achieved a net profit of RMB 222.32 billion, an increase of 3.28% year-on-year[22] - The total operating income for the same period was RMB 550.88 billion, reflecting a year-on-year growth of 1.97%[22] - The basic earnings per share for the quarter was RMB 0.22, showing a growth of 15.79% year-on-year[8] - The diluted earnings per share for the year-to-date period was RMB 0.59, reflecting a year-on-year increase of 5.36%[8] - Net profit for the period from January 1 to September 30, 2025, was RMB 82,380 million, compared to RMB 78,768 million for the same period in 2024, reflecting a year-on-year increase of about 2.0%[41] - Operating income for the first nine months of 2025 was RMB 180,939 million, up from RMB 173,377 million in the same period of 2024, indicating a growth of approximately 3.0%[41] - The net profit for the nine months ended September 30, 2025, was RMB 212,624 million, compared to RMB 207,858 million in 2024, indicating an increase of 2.7%[43] Assets and Liabilities - The total assets at the end of the reporting period amounted to RMB 48,135,429 million, an increase of 11.33% from the end of the previous year[9] - As of September 30, 2025, total assets reached RMB 48,135.43 billion, an increase of 11.33% compared to the end of the previous year[23] - The total loans and advances amounted to RMB 26,987.57 billion, growing by 8.36% year-on-year[24] - The non-performing loan balance was RMB 341.40 billion, with a non-performing loan ratio of 1.27%, a decrease of 0.03 percentage points from the previous year[26] - The group’s total liabilities increased by 12.01% year-on-year to RMB 44,960.22 billion[24] - The total liabilities of Agricultural Bank of China amounted to RMB 44,960,218 million as of September 30, 2025, compared to RMB 40,140,862 million as of December 31, 2024, marking an increase of approximately 12.0%[40] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 539,787, with 520,726 being A-share shareholders[13] - The top shareholder, Central Huijin Investment Ltd., held 40.14% of the shares, totaling 140,488,809,651 shares[14] - The group plans to distribute a mid-term cash dividend of RMB 1.195 per 10 shares, totaling RMB 41.82 billion, subject to shareholder approval[33] Income and Expenses - The net interest income decreased by 2.40% year-on-year to RMB 427.31 billion, with a net interest margin of 1.30%[22] - The net interest income for the first nine months of 2025 was RMB 144,835 million, a slight decrease from RMB 146,948 million in 2024, showing a decline of about 1.4%[41] - The bank's fee and commission income increased to RMB 21,731 million in the first nine months of 2025, compared to RMB 18,352 million in the same period of 2024, reflecting a growth of approximately 18.0%[41] - The bank's investment income for the first nine months of 2025 was RMB 11,080 million, compared to RMB 10,098 million in 2024, indicating an increase of about 9.7%[41] - The total operating expenses for the nine months ended September 30, 2025, were RMB 292,298 million, slightly up from RMB 291,585 million in 2024, an increase of 0.24%[43] - The tax expense for the nine months ended September 30, 2025, was RMB 24,439 million, compared to RMB 23,309 million in 2024, reflecting an increase of 4.8%[43] Cash Flow and Investment Activities - The cash flow from operating activities for the nine months ended September 30, 2025, was RMB 2,034,128 million, an increase from RMB 1,874,980 million in 2024, representing a growth of 8.5%[45] - The net cash flow from investment activities for the group was RMB -1,208,002 million, a decrease from RMB -1,771,297 million in the same period of 2024, indicating improved cash management[46] - The total cash inflow from financing activities for the group was RMB 3,500,107 million, up from RMB 3,020,323 million in 2024, reflecting increased capital raising efforts[46] - The net cash flow from financing activities was RMB 254,114 million, compared to RMB 166,316 million in the previous year, showing a positive trend in financing operations[47] - The cash inflow from investment activities totaled RMB 3,336,195 million, slightly down from RMB 3,433,147 million in the previous year, suggesting a cautious investment approach[46] - The cash outflow from investment activities was RMB 4,544,197 million, a decrease from RMB 5,204,444 million in 2024, reflecting a reduction in capital expenditures[46] Capital and Ratios - The capital adequacy ratio was reported at 17.78%, with a Tier 1 capital ratio of 12.92%[28] - The bank's capital adequacy ratio stood at 14.5% as of September 30, 2025, maintaining a strong capital position[40] - The bank's total equity reached RMB 3,175,211 million as of September 30, 2025, compared to RMB 3,097,273 million as of December 31, 2024, representing a growth of approximately 2.5%[40] Other Comprehensive Income - The total comprehensive income for the nine months ended September 30, 2025, was RMB 199,029 million, down from RMB 228,157 million in 2024, a decrease of 12.8%[44] - The other comprehensive income after tax for the nine months ended September 30, 2025, was RMB (15,791) million, compared to RMB 16,758 million in 2024, indicating a significant decline[44]