智通财经网·2025-10-30 08:41Core Insights - Agricultural Bank of China (ABC) reported a net profit of 222.32 billion yuan for the nine months ending September 30, 2025, representing a year-on-year increase of 3.28% [1] - The net profit attributable to shareholders was 220.86 billion yuan, up 3.03% year-on-year [1] - The annualized average total asset return rate decreased by 0.04 percentage points to 0.65%, while the annualized weighted average return on equity fell by 0.32 percentage points to 10.47% [1] Financial Performance - The group achieved an operating income of 550.77 billion yuan, reflecting a year-on-year growth of 1.87% [1] - Net interest income was 427.31 billion yuan, down 2.40% year-on-year, with a net interest margin of 1.30% [1] - Net fee and commission income increased by 13.34% to 69.88 billion yuan [1] - Operating expenses rose by 3.84% to 174.67 billion yuan, with a cost-to-income ratio of 29.14%, up 0.20 percentage points year-on-year [1] - Credit impairment losses decreased by 3.64 billion yuan to 127.40 billion yuan [1] Capital Adequacy and Liquidity - As of September 30, 2025, the capital adequacy ratio, tier 1 capital adequacy ratio, and core tier 1 capital adequacy ratio were 17.78%, 12.92%, and 11.16%, respectively [1] - The average liquidity coverage ratio for the third quarter of 2025 was 130.25% [1]