On August 28, at the 2026 interim results conference of Agricultural Bank Of China Limited, Executive Director and Vice President Lin Li stated that the bank has scientifically balanced development and security in its operations, adhering to prudent and steady management, and ensuring more high-quality, resilient, and sustainable performance through robust risk control.

Lin Li introduced that the bank's asset quality displays three key characteristics. First, the non-performing loan (NPL) ratio continues to improve from an already favorable level. As of the end of June, Agricultural Bank Of China Limited's NPL ratio stood at 1.25%, a level considered relatively strong among comparable peers under strict risk classification. Following a 3-basis-point decline in 2025, the ratio dropped another 2 basis points in the first half of this year, reflecting steady improvement in asset quality.

Second, the overdue loan ratio has decreased compared to the beginning of the year, with the overdue-to-NPL gap remaining negative. As of the end of June, the overdue ratio was 1.24%, down 0.01 percentage points from the start of the year. The overdue-to-NPL gap stood at negative 18 billion yuan, maintaining a negative value for 24 consecutive quarters, which underscores the authenticity of asset quality.

Third, the provision coverage ratio remains leading among peers, with loan provision balances exceeding one trillion yuan, making Agricultural Bank Of China Limited the only bank in the industry to achieve this scale. The balance has continued to grow in the first half of the year, with the provision coverage ratio reaching 290.10%, maintaining a high level above 290%, and is expected to remain at the forefront among comparable peers.