Zheng Quan Ri Bao·2025-10-30 22:50Core Viewpoint - The quarterly report of Agricultural Bank of China shows a net profit of 222.32 billion yuan, a year-on-year increase of 3.28%, with total assets reaching 48.14 trillion yuan, reflecting a growth of 11.33% compared to the previous year [13][14]. Group 1: Financial Performance - The bank achieved a net profit of 222.32 billion yuan for the nine months ending September 30, 2025, representing a 3.28% increase year-on-year [13]. - The annualized average total asset return rate is 0.65%, down by 0.04 percentage points year-on-year, while the annualized weighted average return on equity is 10.47%, down by 0.32 percentage points year-on-year [13]. - Basic earnings per share increased to 0.59 yuan, up by 0.03 yuan year-on-year [13]. - Total operating income reached 550.88 billion yuan, a year-on-year increase of 1.97%, with net interest income at 427.31 billion yuan, down by 2.40% [13]. Group 2: Asset and Liability Overview - As of September 30, 2025, total assets amounted to 48.14 trillion yuan, an increase of 4.90 trillion yuan, or 11.33%, from the end of the previous year [14]. - Total loans and advances reached 26.99 trillion yuan, up by 2.08 trillion yuan, or 8.36% [14]. - Total liabilities were 44.96 trillion yuan, an increase of 4.82 trillion yuan, or 12.01% [15]. - Customer deposits totaled 32.07 trillion yuan, up by 1.76 trillion yuan, or 5.82% [15]. Group 3: Asset Quality - Non-performing loans amounted to 341.40 billion yuan, an increase of 19.24 billion yuan, with a non-performing loan ratio of 1.27%, down by 0.03 percentage points [15]. - The provision coverage ratio stands at 295.08%, a decrease of 4.53 percentage points [15]. Group 4: Capital Adequacy and Liquidity - The capital adequacy ratio, tier 1 capital adequacy ratio, and core tier 1 capital adequacy ratio are 17.78%, 12.92%, and 11.16%, respectively [17]. - The average liquidity coverage ratio for the third quarter of 2025 is 130.25% [17]. Group 5: Shareholder Information - The total number of ordinary shareholders and the shareholding structure of the top ten shareholders are detailed, with no financing or margin trading activities reported among them [8][9]. - The bank has no restricted shares [10]. Group 6: Major Events - The bank issued 600 billion yuan of tier 2 capital bonds in July and September 2025, and 500 billion yuan of total loss-absorbing capacity non-capital bonds in August 2025 [18][19]. - A cash dividend of 0.1255 yuan per ordinary share was distributed, totaling 43.92 billion yuan, with a proposed interim cash dividend of 1.195 yuan per 10 shares, totaling 41.82 billion yuan [21][22].