Zhong Guo Jing Ying Bao·2025-10-30 13:36Core Insights - Agricultural Bank of China reported steady growth in both net profit and operating income for the third quarter, with net profit reaching 222.3 billion yuan, a year-on-year increase of 3.28%, and operating income at 550.8 billion yuan, up 1.87% [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] - The bank's non-performing loan ratio stood at 1.27%, a decrease of 3 basis points from 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, representing a growth rate of 10.57%, which is 2.21 percentage points higher than the bank's average [1] - Loans for rural industries and rural construction reached 2.74 trillion yuan and 2.47 trillion yuan, with growth rates of 22.8% and 9.7% respectively [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 - By the end of the third quarter, technology loan balance exceeded 4.7 trillion yuan, with the issuance of 20 billion yuan in technology innovation bonds and underwriting of 25.7 billion yuan in technology innovation bonds [2] - The bank is advancing the establishment of AIC pilot funds and has set up 14 pilot funds in cities like Hangzhou and Suzhou, completing 19 project investments [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]