Strong Financial Performance
ABC reported a net profit increase of 5.3% year-on-year for the first half of 2025. Operating revenue also showed positive growth, with an increase of 0.7% and 0.4 percentage points compared to Q1 2025.
Improvement in Asset Quality
The Non-Performing Loan (NPL) ratio decreased by 2 basis points from the beginning of the year, with a special mention decrease of 1 basis point and a low overdue loan level maintained at 2.2%.
Significant Growth in Rural Financing
The credit investment in rural areas increased by RMB 900 million, totaling RMB 1 trillion. Loans for inclusive farming grew by 12.9%, and food security loan growth was 23.7% year-on-year.
Advancements in Green Financing
ABC issued green bonds and securities with a total green financing balance of RMB 572 million. The bank has incorporated green financing into its corporate structure.
Expansion in Digital Financing
Digital financing loans grew by 13.7% year-on-year, with the monthly average increment of retail consumers ranking #1 among peers.
Record Personal Loan Growth
Personal loans increased by 9.3%, with significant growth in personal mortgage loans and operational loans. Retail loans saw an increase of over RMB 100 billion.
Strong Support for SMEs
Inclusive financing services for SMEs reached RMB 4.24 trillion, leading in industry coverage and service strength.