金融作为支持"三农"发展的重要力量，发挥着重要作用。今年上半年，银行业积极创新金融产品，进一 步加大普惠型涉农贷款投放力度，为乡村振兴注入金融动能。国家金融监督管理总局数据显示，2025年 二季度末，普惠型涉农贷款余额13.9万亿元，较年初增加1.1万亿元。未来，金融机构如何更好地服 务"三农"领域？记者采访了金融机构有关负责人和业内专家。 完善农村信用体系 农村地区数据孤岛现象突出，农户的基本信息、生产、财务、诚信、资产等数据没有实现有效归集，信 用信息采集、评估体系尚未完全建立，金融机构难以利用丰富的数据开展信用评估。推动金融更好地服 务"三农"需要重视堵点，持续推进农村信用体系建设。7月份，中国人民银行、农业农村部联合印发 《关于加强金融服务农村改革推进乡村全面振兴的意见》明确，深入推进农村信用体系建设，提升农村 基础金融服务水平。 "金融机构可借助数字技术搭建开放平台，获得更多维度信息，降低信息不对称，提高金融服务可得性 和覆盖面。"招联首席研究员董希淼说，金融机构应建立资源共享数据库，对信用等级高、资信程度好 的农户优先发放贷款。通过开展信用村、信用乡镇创建活动，逐步扩大个人数据库在农村地区的覆盖范 ...

Core Viewpoint - The Bank of China Hainan Branch is prioritizing financial services for rural revitalization, focusing on key areas and weaknesses to enhance financial services in rural agriculture and support farmers' development [1][6]. Group 1: Financial Services for Aquaculture - The East Star Grouper aquaculture industry in Hainan is experiencing significant growth due to favorable geographical conditions, with farmers like Mr. Huang expanding their operations despite facing financial challenges [2][3]. - The Bank of China Hainan Branch provided a tailored financial service plan for Mr. Huang, resulting in a loan of 500,000 yuan, which enabled him to improve his aquaculture practices and expand his business [3]. - Since 2025, the bank has issued loans to 42 East Star Grouper farmers, totaling 16.76 million yuan, facilitating their market expansion [3]. Group 2: Financial Support for Tropical Fruit Industry - Farmers like Mr. Chen are expanding their Hami melon cultivation due to high demand, but face liquidity issues for operational costs [4]. - The Bank of China Le Dong Branch responded by offering a favorable "Yunong Loan" with simplified approval processes, resulting in loans totaling 75.6 million yuan for 241 Hami melon farmers by June 2025 [4]. Group 3: Agricultural Financing Innovations - The Bank of China Hainan Branch is optimizing its "Yunong Quick Loan" information archiving model to better understand the financial needs of farmers and provide tailored loans [5]. - The bank is enhancing the diversity and accessibility of its financial products to support high-quality development in rural industries [6]. Group 4: Support for Agricultural Enterprises - The Bank of China Haikou Qiongshan Branch established a green channel for agricultural credit, providing a 60 million yuan loan to a pig farming company facing cash flow issues due to price fluctuations [7]. - The bank is prioritizing financial services for key agricultural enterprises and has signed cooperation agreements to support food security initiatives [7]. Group 5: Rural Payment Environment Improvement - The Bank of China Hainan Branch is improving payment acceptance tools in rural areas and promoting digital RMB payment scenarios to reduce operational costs for rural merchants [8]. - The bank is developing a new model for inclusive financial services through the "Yunong Tong APP + service points," addressing financial service challenges in rural areas [8].

Core Viewpoint - Agricultural Bank of China (ABC) demonstrates stable asset quality and strong growth in its "Three Rural" county business, distinguishing itself among peers as it approaches total assets of 47 trillion yuan [1][4]. Financial Performance - In the first half of the year, ABC reported a continuous increase in both operating income and net profit, with growth rates accelerating each quarter [2][5]. - The bank achieved a net profit of 139.9 billion yuan, a year-on-year increase of 2.53%, and operating income of 369.8 billion yuan, up 0.72% year-on-year [5][6]. - ABC's asset quality remains robust, with a provision balance exceeding 1 trillion yuan and a provision coverage ratio of 295%, both leading among peers [6]. County Business Significance - As of June, ABC's county loans exceeded 10 trillion yuan, accounting for 40.9% of domestic loans, highlighting the importance of county business in its operations [8][10]. - The bank's county loans increased by 916.4 billion yuan in the first half of the year, with specific products like "Huinong e-loan" reaching a balance of 1.79 trillion yuan, growing at 19.9% [9][10]. Customer Base Expansion - ABC's personal customer base reached 888 million, the largest among peers, with personal loans surpassing 9 trillion yuan, primarily supporting county development and rural revitalization [13][14]. - The bank's corporate customer base also grew, with 12.99 million corporate clients, and significant growth in loans to private enterprises and inclusive finance [14]. Interest Margin Management - ABC's net interest margin stabilized at 1.32%, with a reduction in deposit interest expenses exceeding 30.7 billion yuan in the first half of the year [15][17]. - The decline in deposit interest rates contributed to a favorable environment for managing funding costs, while the bank also focused on optimizing its asset structure to enhance income [18]. Future Outlook - ABC's management expresses confidence in maintaining stable growth and shareholder returns in the second half of the year, with a focus on enhancing revenue and deepening its county market presence [6][19].

Core Viewpoint - Agricultural Bank of China Limited reported a stable performance in the first half of 2025, with a net profit of RMB 1,399.43 billion, reflecting a year-on-year growth of 2.5% [10][14][40]. Financial Overview - Total assets reached RMB 46.8558 trillion, an increase of RMB 361.774 billion or 8.4% compared to the end of the previous year [14][15]. - The total liabilities amounted to RMB 43.7066 trillion, up by RMB 356.577 billion or 8.9% from the previous year [15]. - Shareholder equity totaled RMB 3.1492 trillion, with a net asset value per share of RMB 7.65, an increase of RMB 0.25 [16]. Dividend Distribution - The bank proposed a mid-term cash dividend of RMB 1.195 per 10 shares, totaling RMB 418.23 billion, which is 30% of the net profit attributable to shareholders for the first half of 2025 [2][40][42]. Business Performance - The bank's loan and advance total reached RMB 26.73 trillion, an increase of RMB 1.82 trillion or 7.5% from the previous year [10][14]. - The non-performing loan ratio was 1.28%, a decrease of 0.02 percentage points from the end of the previous year [10]. - The bank's capital adequacy ratio stood at 17.45%, with a return on assets (ROA) of 0.62% and a return on equity (ROE) of 10.16% [10][14]. Support for Agriculture and Rural Development - Loans to rural areas increased by RMB 916.4 billion, with a total balance of RMB 10 trillion, accounting for 40.9% of domestic loans [11]. - The bank provided RMB 1.24 trillion in loans related to food security, with a growth rate of 23.7% [11]. Risk Management - The bank emphasized risk prevention, maintaining a stable asset quality and enhancing market risk management capabilities [14][21].

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任 何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責 任。 中 國 農 業 銀 行 股 份 有 限 公 司 AGRICULTURAL BANK OF CHINA LIMITED （ 於 中 華 人 民 共 和 國 註 冊 成 立 之 股 份 有 限 公 司 ） （股份代號：1288） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條作出。 根據中華人民共和國的有關法律法規，中國農業銀行股份有限公司在上海證券交易所網 站刊登《中國農業銀行股份有限公司2025年半年度報告》。 茲載列該公告如下，僅供參閱。 承董事會命 中國農業銀行股份有限公司 劉清 公司秘書 中國北京 2025年8月29日 於本公告日期，本行的執行董事為谷澍先生、王志恒先生和林立先生；本行的非執行董事為周濟女士、李蔚先生、 劉曉鵬先生和張奇先生；本行的獨立非執行董事為梁高美懿女士、吳聯生先生、汪昌雲先生、鞠建東先生、 莊毓敏女士和張琦先生。 中国农业银行股份有限公司 （A ...

Core Viewpoint - Agricultural Bank of China (ABC) has demonstrated stable growth in its financial performance, with a focus on supporting the real economy and rural development, while maintaining strong asset quality and capital adequacy ratios [9][10][20]. Financial Performance - As of June 30, 2025, ABC's total assets reached RMB 46,855.88 billion, an increase of 8.4% from the previous year [14]. - The net profit for the first half of 2025 was RMB 139.94 billion, reflecting a year-on-year growth of 2.5% [10][14]. - The bank's net interest income decreased by 2.9% to RMB 282.47 billion, while net fee and commission income increased by 10.1% to RMB 51.44 billion [14]. - The non-performing loan (NPL) ratio improved to 1.28%, down by 0.02 percentage points from the end of the previous year [10][14]. Capital and Asset Quality - ABC's capital adequacy ratio stood at 17.45%, with a core tier one capital ratio of 11.11% as of June 30, 2025 [10][14]. - The bank's provision coverage ratio was 295%, indicating a strong buffer against potential loan losses [10][14]. Loan and Deposit Growth - Total loans and advances reached RMB 26,729.06 billion, with a net increase of RMB 17,869.88 billion, representing a growth of 7.5% [15]. - Customer deposits increased by RMB 15,951.29 billion, growing by 5.3% [15]. Support for Rural Development - ABC has focused on enhancing financial services for rural areas, with county loans increasing by RMB 9,164 billion, maintaining a balance of over RMB 10 trillion [11]. - Loans related to food security and important agricultural products reached RMB 1.24 trillion, growing at a rate of 23.7% [11]. Digital and Green Finance Initiatives - The bank has made significant strides in digital finance, with mobile banking active users reaching 263 million [12]. - Green loan balances increased to RMB 5.72 trillion, with a growth of 7,288 billion [12]. Shareholder Returns - The board proposed a cash dividend of RMB 1.255 per share for the 2024 fiscal year, totaling RMB 439.23 billion [1][2].

Group 1 - The National Financial Regulatory Administration reported that the balance of inclusive agricultural loans reached 13.9 trillion yuan, an increase of 1.1 trillion yuan since the beginning of the year, emphasizing the focus on enhancing financial support for key agricultural areas [1] - Agricultural Development Bank is actively securing credit funds to ensure grain procurement, with 8 billion yuan allocated for summer grain purchasing [1] - China CITIC Bank has launched the "Grain Farmer Loan" product, benefiting over 3,000 farmers and achieving a cumulative loan amount of 1.562 billion yuan, with agricultural loans nearing 500 billion yuan [2] Group 2 - Rural commercial banks are enhancing financial services for grain production, with Zhejiang Rural Commercial Bank issuing over 16.4 billion yuan in agricultural loans, including 1.525 billion yuan for new agricultural loans [2] - The role of agricultural insurance is being emphasized, with the application of modern technologies like IoT and AI in insurance services, and Chongqing's agricultural insurance premium income reaching 1.75 billion yuan, a year-on-year increase of 17.71% [3] - The establishment of a digital map for agricultural insurance aims to improve the accuracy of insurance coverage and claims, ensuring the authenticity of land, rights, and individuals involved [3]

Group 1 - The core viewpoint of the article highlights the rapid growth of inclusive agricultural loans and key grain sector loans in China during the first half of the year, along with a continued decline in interest rates [1] - As of the end of June, the balance of inclusive agricultural loans reached 13.94 trillion yuan, representing an 8.34% increase compared to the beginning of the year [1] - The balance of loans in key grain sectors reached 5.1 trillion yuan, showing a 13.5% increase since the start of the year [1] - The average interest rate for newly issued inclusive agricultural loans from January to June decreased by 0.61 percentage points year-on-year, maintaining a downward trend [1] Group 2 - The financial regulatory authority indicated a commitment to deepening reforms in the financial system related to agriculture, focusing on enhancing financial support for key areas such as grain production, rural industries, and rural construction [1] - There is an ongoing effort to improve the quality and efficiency of financial services directed towards agriculture [1]

Group 1 - Postal Savings Bank of China (PSBC) is enhancing rural credit system construction and focusing on high-quality financial development for agriculture, contributing to agricultural harvest and farmers' income [1] - Since the beginning of the year, PSBC has deployed financial support for spring farming, issuing 320 loans totaling 33.24 million yuan for spring farming preparations [1] - From April onwards, PSBC has launched initiatives to support summer grain procurement, issuing a total of 592 million yuan in grain procurement loans to meet the short-term funding needs of farmers [1] Group 2 - Binzhou Guosheng Agricultural Technology Co., Ltd., a prominent grain producer in Binzhou, urgently sought funding from PSBC for wheat procurement and agricultural machinery operations [2] - PSBC simplified the loan process, providing a 4 million yuan pure credit industry loan to the company within three days, addressing the financing challenges faced by the client [2] - PSBC remains committed to serving the agricultural sector, focusing on grain production and enhancing credit support for agricultural entities [2]

Core Viewpoint - The development of "Three Rural" finance is a significant reflection of the political and people-oriented nature of financial work, linking economic development with the well-being of the people [1] Group 1: Financial Support for Agriculture - As of the end of 2024, the agricultural loan balance of Postal Savings Bank's Changsha branch is expected to exceed 20.179 billion yuan, having helped 15,100 agricultural clients [2] - The bank aims to enhance the accessibility, coverage, and satisfaction of financial services related to "Three Rural" finance, fulfilling its mission of inclusive finance [1] Group 2: Support for Local Enterprises - Postal Savings Bank's Changsha branch has collaborated with SaaS service provider Hunan Xingfutong Technology Co., Ltd. to create a unified payment system for "Pig Commander," facilitating its expansion and addressing its financial challenges [3] - A customized financial solution was provided to "Pig Commander," including a 2 million yuan rapid loan based on store operating cash flow, with further credit support planned for franchisees [3][4] Group 3: Broader Impact on Local Economy - The bank's financial services have enabled "Pig Commander" to plan the opening of 50 new stores this year, indicating a positive growth trajectory [4] - The bank's innovative financial solutions have also supported "Lu Ka," a hot food brand, by streamlining payment processes and providing timely loans, enhancing operational efficiency [6] Group 4: Commitment to Community Development - Postal Savings Bank's Changsha branch is committed to deepening cooperation in the livelihood sector and providing high-quality services, ensuring that "Three Rural" finance continues to nourish the local economy [7]