智通财经网·2026-03-30 17:10Core Viewpoint - Agricultural Bank of China (601288.SH) reported a revenue of 725.306 billion yuan for the year 2025, reflecting a year-on-year growth of 2.08%, with a net profit attributable to shareholders of 291.041 billion yuan, up 3.2% from the previous year [1] Financial Performance - The bank's net interest income, which constitutes 78.5% of total operating income, was 569.594 billion yuan, a decrease of 11.098 billion yuan year-on-year, primarily due to a decline in interest rates [2] - The net interest margin was 1.28%, and the net interest spread was 1.16%, both down by 14 and 11 basis points respectively, influenced by the reduction in LPR and low market interest rates [2] - Total interest income for 2025 was 1,201.338 billion yuan, a decrease of 74.342 billion yuan from the previous year, mainly due to lower yields on interest-earning assets [2] Asset Quality and Risk Management - The non-performing loan ratio was 1.27%, a decrease of 3 basis points from the end of the previous year, indicating improved asset quality [1] - The bank maintained a strong risk compensation capability with a provision coverage ratio of 292.55% and a loan provision balance exceeding 1 trillion yuan [1] - The overdue loan ratio was 1.25%, which is favorable compared to peers, and the bank's asset quality assessment standards are stringent [1] Asset and Deposit Growth - Total assets reached 48.784 trillion yuan, an increase of 1.554 trillion yuan or 12.8% year-on-year [3] - The net amount of loans and advances increased by 2.201 trillion yuan, a growth of 9.2%, while financial investments rose by 2.472 trillion yuan, up 17.9% [3] - Customer deposit balance was 38.69 trillion yuan, with an increase of 3.71 trillion yuan, reflecting improved deposit stability [1]