Agricultural Bank of China Limited (ACGBY)

ACGBY Income Statement

Financials in millions CNY. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,214,219	1,275,680	1,223,698	1,108,464	1,008,014	930,932
Interest Paid on Deposits	644,015	694,988	651,948	518,581	430,027	385,853
Net Interest Income	570,204	580,692	571,750	589,883	577,987	545,079
Net Interest Income Growth (YoY)	-0.99%	1.56%	-3.07%	2.06%	6.04%	8.83%
Income From Trading Activities	26,665	25,505	23,124	5,519	14,241	16,405
Gain (Loss) on Sale of Assets	800	800	1,037	900	1,032	1,172
Gain (Loss) on Sale of Investments	36,529	27,782	17,802	6,069	15,046	-7,311
Other Non-Interest Income	87,333	76,637	81,755	92,912	113,440	103,987
Total Non-Interest Income	151,327	130,724	123,718	105,400	143,759	114,253
Non-Interest Income Growth (YoY)	19.57%	5.66%	17.38%	-26.68%	25.82%	-11.07%
Revenues Before Loan Losses	721,531	711,416	695,468	695,283	721,746	659,332
Provision for Loan Losses	127,197	130,840	135,707	145,266	165,886	164,699
Revenue	594,334	580,576	559,761	550,017	555,860	494,633
Revenue Growth (YoY)	5.14%	3.72%	1.77%	-1.05%	12.38%	0.79%
Salaries and Employee Benefits	160,456	160,456	151,615	145,603	137,938	123,340
Occupancy Expenses	22,869	22,869	21,621	20,745	19,797	19,551
Selling, General & Administrative	61,082	61,082	62,047	61,554	61,558	49,452
Other Non-Interest Expense	23,408	17,027	17,235	15,690	41,081	37,753
Total Non-Interest Expense	267,174	261,362	252,329	243,526	259,965	229,578
EBT Excluding Unusual Items	327,160	319,214	307,432	306,491	295,895	265,055
Pretax Income	327,147	319,201	307,419	306,453	295,880	265,050
Income Tax Expense	37,415	36,530	37,599	47,587	53,944	48,650
Earnings From Continuing Operations	289,732	282,671	269,820	258,866	241,936	216,400
Minority Interest in Earnings	-1,162	-588	-464	366	-753	-475
Net Income	288,570	282,083	269,356	259,232	241,183	215,925
Preferred Dividends & Other Adjustments	19,283	19,283	16,063	17,239	13,798	9,530
Net Income to Common	269,287	262,800	253,293	241,993	227,385	206,395
Net Income Growth	4.41%	4.72%	3.91%	7.48%	11.70%	1.80%
Basic Shares Outstanding	343,631	349,983	349,983	349,983	349,983	349,983
Diluted Shares Outstanding	343,631	349,983	349,983	349,983	349,983	349,983
Shares Change (YoY)	-3.02%	-	-	-	-	-
EPS (Basic)	0.78	0.75	0.72	0.69	0.65	0.59
EPS (Diluted)	0.78	0.75	0.72	0.69	0.65	0.59
EPS Growth	7.08%	4.17%	4.35%	6.20%	10.17%	-0.05%
Dividend Per Share	0.245	0.242	0.231	0.222	0.207	0.185
Dividend Growth	-29.46%	4.76%	3.91%	7.45%	11.72%	1.76%
Effective Tax Rate	11.44%	11.44%	12.23%	15.53%	18.23%	18.36%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.