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# AgBank posts 3.18% rise in 2025 profit, fastest among China's big five lenders
- URL: https://www.theglobalbanker.com/agbank-posts-3-18-rise-in-2025-profit-fastest-among-china-s-big-five-lenders/
- Published: 2026-03-30T14:00:00.000Z
- Updated: 2026-10-01T23:25:00.000Z
- Description: Agricultural Bank of China's net profit rose to about 291 billion yuan in 2025, outpacing its state-owned peers, while its net interest margin slipped to 1.28% at the end of the year.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific

Agricultural Bank of China (AgBank) on 30 March 2026 reported a 3.18% rise in net profit for 2025 to about 291 billion yuan, the fastest growth among China's five largest state-owned lenders.

The result put AgBank ahead of Bank of China, which reported profit growth of 2.18%. The other three members of the big five posted nearly flat annual profits, while Postal Savings Bank of China reported a 1% increase in net profit to 87.4 billion yuan.

#### MARGINS AND ASSET QUALITY

AgBank's net interest margin (NIM) narrowed to 1.28% at the end of 2025 from 1.30% at the end of September, while its non-performing loan ratio was flat on the previous quarter. AgBank's and Bank of China's margins were largely in line with the other three big lenders; Bank of China's NIM was flat at the end of December compared with the prior quarter, and its non-performing loan ratio edged up to 1.24%.

"The contraction in NIM should ease in 2026, as we expect it comes to the tail-end of the interest rate-cut cycle," said Elaine Xu, a director at Fitch Ratings.

#### DEPOSIT REPRICING

A Reuters report on 24 March said the country's largest banks were expecting a boost to profits as nearly $8 trillion in deposits were due to be repriced. In a further Reuters report on 30 March, China's top banks said they expected less margin shrinkage and flagged challenges in their overseas businesses.

AgBank, one of China's big five state-owned lenders, has an extensive network serving rural areas and county economies.