Zhong Guo Jing Ying Bao·2025-10-30 12:33Core Insights - Agricultural Bank of China reported steady operational performance in Q3 2025, with net profit reaching 222.3 billion yuan, a year-on-year increase of 3.28%, and operating income of 550.8 billion yuan, up 1.87% from the previous year [1] Financial Performance - Net profit increased by 0.75 percentage points compared to the first half of the year, while operating income growth accelerated by 1.15 percentage points [1] - Non-performing loan ratio stood at 1.27%, a decrease of 3 basis points since the beginning of the year, with overdue loan ratio at 1.22% [1] - Provision coverage ratio was reported at 295.08% [1] Loan Growth - County loans exceeded 1 trillion yuan in the first three quarters, with a balance of 10.9 trillion yuan and an increase of 1,041.7 billion yuan, reflecting a growth rate of 10.57%, which is 2.21 percentage points higher than the bank's average [1] - Loans in rural industries and rural construction reached 2.74 trillion yuan and 2.47 trillion yuan respectively, with growth rates of 22.8% and 9.7% [1] - Loans related to food security and important agricultural products amounted to 1.25 trillion yuan, with a growth rate of 25.1% [1] - The "Huinong e-loan" product for farmers had a balance of 1.83 trillion yuan, with an increase of 335.1 billion yuan and a growth rate of 22.4% [1] Technology and Manufacturing Loans - Technology loan balance exceeded 4.7 trillion yuan by the end of Q3, with the issuance of 20 billion yuan in technology innovation bonds and underwriting of 25.7 billion yuan in technology innovation debt [2] - The establishment of pilot funds for AIC is progressing, with 14 pilot funds set up in cities like Hangzhou and Suzhou, and 19 projects completed [2] - Manufacturing loan balance reached 3.84 trillion yuan, with an increase of 598.7 billion yuan and a growth rate of 18.4% [2]