Financial Data
Total Assets
106,504.55
Total Liabilities
103,208.50
Owners' Equity
3,296.05
Paid-in Capital
2,260.00
Operating Revenue
1,438.66
Operating Expenses
867.52
Income Tax Expense
172.53
Net Profit
397.59
Average Return on Assets
0.39%
Average Return on Capital
12.84%
Capital Raising
Continuously Optimized Financing Mechanism
The Bank firmly establishes the concept that liabilities serve the national "three rural issues" strategy and support the development of the Bank's assets. It continuously advances the optimization project for agricultural development funding mobilization, providing timely and sufficient funding guarantees for the implementation of the national "three rural" strategy and business plans.
Precise Use of Central Bank Structural Monetary Policy Tools
Seizing policy opportunities, the Bank actively applies for funds from structural monetary policy instruments such as relending for technological innovation and technological transformation, relending for affordable housing, and carbon emission reduction support tools. It files timely reports on the use of PSL funds for the "Three Major Projects" and strengthens targeted support and policy transmission to key areas and weak links.
Effective Use of Bond Issuance as the Main Financing Channel
During the year, bond financing amounted to RMB 20,954.8 billion. At year-end, domestic outstanding bonds reached RMB 80,785.51 billion, an increase of RMB 7,299.97 billion year-on-year; overseas outstanding bonds amounted to RMB 7.55 billion. The Bank continues to enhance the attractiveness of its Agricultural Development Bonds brand. Focusing on key areas of "three rural", it issued RMB 531.61 billion of four major series and eight thematic bond categories during the year, and RMB 36.9 billion of single-theme bonds supporting high-quality development in key national rural revitalization assistance counties.
Continuously Strengthening Self-Financing Capability
Corporate deposits continue to develop in a compliant and stable manner, actively guiding social capital to "feed back" into "three rural". The Bank innovates deposit products and channels, and for the first time launched transferable large-denomination certificate of deposit (CD) business, enabling targeted issuance of large CDs.
Risk Management
The Bank coordinates development and security, adheres to forward-looking control, systemic management, and structural policy measures, deepens comprehensive risk management reform, and strengthens risk prevention across all types. It firmly maintains the bottom line of preventing systemic financial risks.
Policy Risk and Strategic Risk
Focusing on its core responsibilities, the Bank strictly defines business boundaries and centers on serving rural revitalization and building a strong agricultural nation. It fully promotes the implementation of major national strategies. It advances significant progress in classification and segmented account reform, increases agricultural funding mobilization, reduces fees and financing costs for enterprises, and reports no policy or strategic risks.
Credit Risk
The Bank implements the "Four Earlys" requirements, optimizes credit authorization management, strengthens post-approval evaluation of credit review processes, deepens the application of monitoring results, and conducts training on monitoring systems. It establishes long-term mechanisms such as off-site monitoring linkage, post-loan inspection, and key supervision of potentially risky clients. It strengthens forward-looking risk control, enhances management of special-mention loans, and implements segmented pool management. At year-end, non-performing loan balance was RMB 42.759 billion, with an NPL ratio of 0.44%, maintaining a relatively good level among national banking institutions; loan loss provision ratio was 4.36%, with stable risk absorption capacity.
Liquidity, Market, and Banking Book Interest Rate Risk
The Bank continuously strengthens overall liquidity management. Liquidity reserves remain adequate, and key indicators such as liquidity adequacy ratio and liquidity matching ratio all meet regulatory requirements. Market risk is mainly foreign exchange risk, with total foreign currency exposure of RMB 312 million at year-end. Banking book interest rate risk indicators remain stable, and the repricing structure of assets and liabilities has been further optimized.
Operational, Compliance, and Anti-Money Laundering Risk
The Bank revises operational risk management measures, conducts risk identification assessments and stress testing, and reports no major operational risk events during the year. It deepens "targeted remediation," promotes normalized system control work, and maintains overall stable compliance risk conditions. It issued the "Action Plan for Optimizing Anti-Money Laundering Management System of Agricultural Development Bank of China (2024–2025)," promoting the formation of an AML system with clear responsibilities, effective coordination, and technology empowerment.
Information Technology, Reputational, and Country Risk
The Bank strengthens cybersecurity and data security management, improves IT risk assessment tools, and ensures stable operation of information systems throughout the year, with no major IT risk events. It enhances source prevention and full-process management of reputational risk, strengthens mitigation of reputational risk issues, and keeps overall public opinion exposure under control. It strictly follows country risk management requirements, closely monitors and controls asset distribution across countries and regions. At year-end, country risk exposure was RMB 646 million.
