Jin Rong Shi Bao·2025-11-03 03:29Core Insights - Agricultural Bank of China reported a total asset of 48,135.429 billion yuan as of the end of Q3 2025, an increase of 4,897.294 billion yuan, representing a growth of 11.33% compared to the end of the previous year [1] - The bank achieved an operating income of 550.876 billion yuan in the first three quarters of this year, a year-on-year increase of 1.97%, and a net profit attributable to shareholders of 220.859 billion yuan, up 3.03% year-on-year [1] Financial Performance - As of the end of Q3, Agricultural Bank of China issued loans and advances totaling 10,896.621 billion yuan in rural areas, an increase of 1,041.667 billion yuan, with a growth rate of 10.57%, exceeding the bank's average growth by 2.21 percentage points [2] - The loan balance for 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%, both higher than the bank's overall growth of 14.4% and 1.3 percentage points [2] - Loans related to food security and important agricultural products amounted to 1.25 trillion yuan, with a growth rate of 25.1%, surpassing the bank's overall growth by 16.7 percentage points [2] - The loan balance for 160 key rural revitalization counties was 481.2 billion yuan, with an increase of 44.6 billion yuan and a growth rate of 10.21%, higher than the bank's overall growth by 1.85 percentage points [2] - The loan balance for 832 poverty-stricken counties reached 2.52 trillion yuan, with an increase of 243 billion yuan and a growth rate of 10.66%, exceeding the bank's overall growth by 2.30 percentage points [2] Asset Quality - The asset quality of Agricultural Bank of China remained stable, with a non-performing loan ratio of 1.27% as of the end of the reporting period, a decrease of 3 basis points from the beginning of the year [2] - The overdue loan ratio stood at 1.22%, maintaining a negative "scissors gap" between overdue and non-performing loans for 21 consecutive quarters [2] - The provision coverage ratio was 295.08% [2]